Upvote:5
Just a quick update, my tour was cancelled so I rang my insurance company and they voided my insurance due to travelling to a country that was advised against all but essential travel, even the Chinese part of the trip would not have been covered.
Luckily Swiss Air offered a full refund, also my hotels in China were kind enough to issue refunds even though they were none refundable rooms, I am planning to go soon so will still use them to thank them. Also the tour company to North Korea offered a full refund.
Not really an answer to my question, just if anyone else is travelling to China soon and you don't have insurance then try your luck contacting companies if you don't have insurance.
Also if you're going to North Korea just take out the insurance with the tour company for that leg of the trip, it's quite cheap and through a Chinese insurance company which cover North Korea.