Travel insurance for Japan

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A guide to travel insurance for Japan

Last updated March 19, 2024
Written by Tiana Lee-Collins
Reviewed by Adrian Taylor

Travel insurance tips for Japan

Catriona Rowntree’s top travel insurance tips for Japan.
Catriona Rowntree

Why take out travel insurance for Japan?

Although Japan is a gorgeous Asian holiday destination and typically a safe country (ranking 9th in the Global Peace Index 20231), accidents can still happen. Travel insurance for Japan could be extremely helpful if you get sick, miss a flight or lose your luggage in transit.

  • Purchase travel insurance as soon as you make a booking and pay any deposits to ensure you have the cancellation cover you need should an unforeseen event cause you to cancel your trip before you depart.
  • Natural disasters have been known to impact Japan. If one occurs unexpectedly, you may be covered for cancellations, lost bookings and additional expenses for accommodation and transport.
  • A travel insurance policy may offer a range of benefits in case of unforeseen events, including 24/7 emergency assistance if you need urgent help.

Choosing travel insurance for Japan

When searching for a travel insurance policy, it’s important to remember that no two trips are the same. We’ve compiled a few pointers to help you decide on a policy that matches your needs:

  • If you plan to visit Japan’s ski resorts, you may need to purchase additional winter sports cover if your policy doesn’t automatically cover you.
  • If you plan on participating in other activities, such as hiking or canyoning, check your plans against the covered activities listed in the PDS of your policy. Some adventure activities can be covered for an extra premium.
  • If you’re taking a family holiday, you may find more value taking out family travel insurance, rather than multiple individual policies.

Expert tips for choosing the right travel insurance for Japan

Our Executive General Manager of General Insurance, Adrian Taylor, has some top tips on helping you find a suitable travel insurance policy for your journey overseas.

Adrian Taylor
Executive General Manager – General Insurance

Check if you’re covered for COVID-19

While many insurers provide cover for COVID-19 related losses, it’s typically only included in their comprehensive cover. Look for the COVID-19 icon when you compare products.

Declare any pre-existing medical conditions

If you have any pre-existing medical conditions, compare products where you can disclose these conditions as part of your application to your chosen insurer. Not all pre-existing medical conditions can be covered, so it’s important you understand what cover is available to you in case if you’re injured or become ill.

Frequent travellers may benefit from annual cover

If you plan to travel a few times throughout the year, either to Japan or more than one destination, you may find greater value in purchasing annual cover, rather than multiple single trip policies. Also known as an annual multi-trip policy, this is a type of travel insurance that covers all your trips for a full year up to a maximum amount of days per trip, as listed in your policy.

All about travel insurance for Japan

Do I need travel insurance for Japan?

What should my travel insurance cover for Japan include?

What does my travel insurance for Japan exclude?

Stay covered for adventures

Skiing and snowboarding

Hiking and mountain climbing

Street karting

Keep aware of risks in Japan

Natural disasters

Areas affected by nuclear radioactivity

Theft and crime

Sickness and injury

Meet our travel insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As the Executive General Manager of General Insurance, Adrian Taylor believes in educating customers about the importance of travel insurance so that anyone can kick back and make the most of their time away from home. While no one wants a disrupted holiday, a suitable travel insurance policy can provide a financial safety net for yourself, your belongings and your trip in case things go wrong.

1 Institute for Economics & Peace. Global Peace Index 2023: Measuring Peace in a Complex World. Published June 2023. Accessed March 2023.

2 Smartraveller, Department of Foreign Affairs and Trade. Japan. Last updated May 2023. Accessed August 2023.