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- Travel Insurance For Japan: Choosing The Right Policy
Claiming Home Insurance In Japan: Essential Steps For Maximum Compensation – Here’s what you need to know about travel insurance in Japan, with a comparison of some of the options available, including those you can book once you’ve started your trip.
A quick but necessary note: Getting travel insurance is important, but we can’t decide for you. We hope to provide information to make that decision a little easier. Also, please note that we do not sell or provide insurance.
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Update for COVID-19: Some travel insurance providers may cover COVID-19 if the policy was not taken out before the commencement date. Travel medical insurance provider SafetyWing covers COVID-19 for all policies.
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You’re ready for the adventure of a lifetime in Japan! What could go wrong? A lot, actually.
Aside from the obvious travel disasters (think lost luggage, broken passports, or canceled flights), getting sick abroad is unfortunately a possibility, and it’s a good idea to insure yourself.
While getting a basic prescription drug in Japan is generally affordable, more serious medical considerations like hospitalization or transportation back home can run into the thousands of dollars (US). Having travel insurance can give you peace of mind, and is recommended by most travel experts. We may be cheapos, but we believe in playing it safe.
Do I really need Japan travel insurance? I heard it is one of the safest countries in the world.
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Good point Japan is one of the safest countries in the world, with very low crime rates. But while you won’t have to worry too much about your belongings being stolen, there are other things to consider besides getting sick.
For example, Japan is often hit by typhoons. Typhoon season generally runs from late July to early October, but in recent years it has started earlier and ended later. A major typhoon can cause flight cancellations, long delays, or travel and sightseeing cancellations. There are also earthquakes and other concerns.
Almost all airlines will reimburse you for lost and delayed luggage, as well as canceled flights. But you should check the terms of your card carefully to be sure. Although most travel insurance offers it as part of the package, you probably don’t need to insure yourself.
But things get murkier for your journey; think about the bullet train tickets and tours you can book in Japan. While you can often receive refunds for tours canceled due to bad weather, you may be stuck with hotel and transportation reservations you no longer need if your tour is canceled. Many travel insurances include gear in this case.
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In light of the coronavirus (COVID-19) pandemic, many travelers are worried about their upcoming travel plans. More on that below.
An ancient concern is Japanese encephalitis, which can be contracted through mosquito bites in most of Asia, not just in Japan. Fortunately, it is very rare. It is estimated that less than one in a million travelers to Asia will contract the disease, and for most humans, it will be asymptomatic. A vaccine is available, but it is only recommended for those who will be in high-risk areas for more than a month. Bug bite prevention is generally recommended as the first line of defense.
In addition, it is a good idea to check that all your vaccinations are up to date before you travel to Japan.
You may be wondering if your insurance covers cancellations due to COVID-19. In short, it will vary depending on your insurance provider. As always, check with your travel insurance provider and read the fine print and special conditions carefully. Never assume anything!
Travel Insurance For Japan: Choosing The Right Policy
Generally speaking, travel incidents include medical expenses and emergency evacuations, which can run into the tens to hundreds of thousands of dollars. So, check that your Japan travel insurance or Japan travel insurance health insurance provides enough coverage to make you feel comfortable.
Keep in mind that medical expenses are really for unexpected situations and emergencies like accidents or getting sick on the road. Medical tourism is usually for examinations or preventive treatments
Anything else you might want to add to your Japan travel insurance depends on what your itinerary looks like.
A quick note before you jump in (another note): Always read the policy for any insurance.
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Carefully before registering. Terms and conditions may change over time, and may also differ based on factors such as your age, country of residence or how much coverage you want.
We can’t recommend the best Japan travel insurance for everyone because we all travel differently, but we hope this overview is a starting point for finding the Japan travel insurance that’s best for you personally. Also, prices are subject to change.
SafetyWing offers travel medical insurance at affordable rates starting at approximately $42 USD for four weeks for travelers under 40 years of age.
What’s different about their plan is that you can extend it indefinitely, up to a maximum of 364 days, after which you can renew your policy. This makes it an interesting option for long-term travelers and digital nomads. SafetyWing expanded its travel medical insurance a few years ago and recently added other health insurance for those who do not have a permanent residence in a country.
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A bonus is that you can start SafetyWing’s travel medical insurance plan at any time, even when you’re already on the road. In addition to emergency medicine, their policy also covers the basics of travel, including trip interruption, personal liability and lost luggage. From August 1, 2020, SafetyWing also covers COVID-19, and from April 15, 2021, unplanned quarantine is also covered.
Although it may be a relatively new kid on the insurance block, founded in 2017, SafetyWing is underwritten by Tokio Marine, one of the world’s largest underwriters.
If you’re from Singapore, Thailand, Vietnam, Malaysia, Indonesia, Hong Kong, Macau, Cambodia or the Philippines, you’ll want to look into FWD for travel insurance. Another relatively new insurer, they are expanding across Asia and seem to offer some of the cheapest plans we could find online. ¥2,200 for one trip to Japan.
Their plan covers all standard travel insurance, including medical evacuation coverage, which is unlimited. It also seems to cover skiing, but confirm that with them.
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From approximately ¥1,800 for a two-week trip to Japan, Atlas International is available to citizens of most countries. They offer you the chance to play with sliders, so for example. add a deductible to lower the premium or raise the cover if you pay a little more.
Travelex has been around for a long time and is a popular choice for North Americans. They have a good reputation and the starting fees are cheap; however, coverage for medical expenses for US citizens may be a bit low, depending on your needs.
Here’s a quick and brief comparison of different travel insurance policies that offer travel coverage to Japan for citizens around the world. Remember that all prices are approximate and can and will change depending on your age, residence, length of stay and specific circumstances! Where basic and extended plans were available, we chose the basic one for comparison.
Medical and emergency dental expenses, trip interruption, trip delay, lost baggage, natural disasters, political evacuation, emergency medical evacuation, personal liability, accidental death and dismemberment.
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Medical and Repatriation Expenses, Indemnity Benefit and Visiting Expenses, Travel Assistance, Travel Delay, Lost Baggage, Personal Accident, Crisis Response, Personal Liability, Terrorism
Trip cancellation, suspension and delay; emergency medical and dental coverage; emergency medical evacuation; accidental death and dismemberment, travel assistance services
Medical expenses, theft or damage to personal belongings, delayed baggage, travel delay, liability coverage, emergency assistance, trip interruption, travel inconvenience, emergency family travel, death or permanent disability.
Travelex is a US insurance company, but available to citizens of the world. Conditions may vary depending on where you live, age and, above all, the total value of the trip you wish to insure.
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FWD is available to citizens of 10 Asian countries and regions: Singapore, Malaysia, Cambodia, Indonesia, Vietnam, Thailand, Philippines, Hong Kong, Japan and Macau, although available insurance products differ by location.
The cost of Japan travel insurance depends on the provider you use for your policies. A guide can range from approximately ¥1,000 to ¥8,000 for a week’s trip, depending on your age, place of residence, itinerary, and preferences.
If you’re under 40, a month’s travel medical insurance through SafetyWing will set you back roughly ¥4,700 or $42 USD. It’s a good idea to compare different policies to find the best deal for your visit to Japan.
If you are a foreign resident of Japan looking for travel insurance OUTSIDE of Japan, you have access to the insurance providers listed above, as well as local providers. If you have a Japanese credit card, you can start by asking if it offers travel insurance and go from there.
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