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Japan Travel Insurance

19 July, 2019 By Natalie Smith


Wowee does Japan have something for everyone!  It's no wonder that The Land of the Rising Sun's tourism numbers are going gangbusters. Whether you're a skier, want to soak up the ancient temples, emerse yourself in the karoke scene, take a trip on a bullet train, or indulge in the weird and wonderful dishes....A trip to Japan with all it's wacky ways will not disappoint!

Despite its appeal, no trip comes without some risks and it can be tough to navigate a new land when you don't speak the local lingo. From Tokyo tummy,  monkey bites or earthquakes, travel insurance is essential to protect you from travel troubles on your Japanese holiday.

The following guide will help you navigate around the tricky world of travel insurance, so strap in and enjoy the ride.


Japan Rugby World Cup 2019

With thousands of fans soon to descend upon various venues across the whole of Japan, travel insurance can ensure your trip gets you out of the blocks to a spectacular start.
When you’ve invested time and money travelling to a major sporting event like the 2019 Japan World Cup. Flights, event tickets, accommodation and rental car deposits can amount to a small fortune. A travel insurance policy can save you massive costs, particularly if a last minute emergency forces you to cancel your trip.

What does travel insurance cover for the Japan rugby world cup?

Medical fees abroad can be exorbitant, and Japan is no exception. Hospital costs in Tokyo can reach up to $10,000 per day while repatriation back home can soar into the hundreds of thousands. Your policy will cover you for any injuries or sickness you sustain while on your trip to Japan.
Pick pocketing
Whilst Japan is a safe country, there is also more risk of pickpockering with large sports crowds. Should your wallet get pinched from your pocket, be sure to report it to the police and get a report so you can claim on your travel insurance when you get home.
Alternative transport
Those travelling to Japan for the rugby will no doubt be counting down the moments to kick-off. With so much at stake, travellers can take comfort that in the event of a transport disruption, travel insurance may help you get to the game on time. Flight cancellations and travel delays are a common frustration when travelling. In the event of unforeseen transport interruptions on your way to a match, your policy may pay your alternative travel expenses should you be unable to reach your venue. This can be truly beneficial when you’re at risk of missing out on your special event.

It’s important to remember that airlines don’t cover you if you need to cancel for circumstances beyond your control, such as sudden illness or injury, where travel insurance does. When you consider the cost for prepaid event tickets, combined with airlines and hotels notoriously bumping up their prices during major sporting and cultural events, it’s a very small price to pay.
Flight delays
It’s should be comforting for sports fans with travel insurance to know that in most cases policies would cover for the cost of their ticket price, flight costs and pre-paid accommodation in the event of a flight delays or cancellations due to bad weather.
Family emergency & sickness
If sudden sickness or family emergency have caught you off guard and you’re unable to make a long-awaited rugby trip, you may be able to seek reimbursement of your prepaid event tickets, flights and accommodation with travel insurance. This feature would come under the ‘Cancellation and Lost Deposits’ benefit and would be covered in international comprehensive policies.



If your trip takes a downward turn for any of the following reasons, comprehensive cover will keep you in ship shape.

24/7 Medical assistance

Food poisoning, drink spiking, malaria, and moped accidents are all high on the risk scale in Japan. Overseas medical costs can be huge! Luckily, your policy will cover the exorbitant expense of overseas medical cover.

cancellation cover

Cancellation cover

Travel insurance will usually cover your out of pocket expenses for unforeseen cancellations for events such as natural disasters, accidents,  severe sickness or injury.


Lost or damaged Luggage

Your travel insurance will reimburse you for lost, stolen or damaged luggage. Comprehensive cover also includes cover for theft of cash and travel documents too.

No hidden fees

Travel delays

Bummer, your flights delayed, now what!? If your transport is postponed due to an unforeseen reason, your out-of-pocket accommodation, meals, and transport costs would be covered until you get back-on-track. Note, this benefit probably won't kick in if you only have a short delay which is less than 6 hours. 

family emergency

Travel documents

Essential travel documents that are lost, stolen or destroyed during your journey can be covered to get them replaced. Lost Rail passes are covered under the travel documents benefit, along with other travel documents like your passport.

personal liability

Personal liability

If you injure someone or are held accountable for damaged property in Japan the consequences could be disastrous, particularly when you are unfamiliar with local laws and regulations. In such an event, your policy will cover your liability costs to a degree. 

what it doesn't

  • Riding risky: It’s a tried and true tourist tradition to hire mopeds or scooters on holiday, despite most having never attempted to do so! Whilst Japanese roads are well developed, attemping to read local road signs when on-the-go can make driving in Japan hairy to say the least. Be warned that your insurer will not cover you if you are found riding without a current Australian license (valid in the country you are in) or a helmet.
  • Unattended items: Opps I left my bag behind on the bullet train is not a covered reason. Keep a strong hold over all your belongings as leaving your stuff unsupervised in a taxi, at a temple, or whilst eating tepanyaki will not be covered for.
  • Being intoxicated: On sake, two sake, three sake...floor! Whilst having a few tipples on your trip is what holidays are all about, any claims related directly to alcohol and drugs will not be paid. Have fun in moderation!
  • Terrorism and travel warnings:  While the chances of getting caught up in an act of terrorism are small, it’s still a good idea to keep up to date with travel advisories on sites like  Generally travelling against DO NOT TRAVEL warnings from the Australian Government will jeopardize your cover.
  • High risk activities: Adventure activities are plentiful in Japan. Some of the worlds best snowy fields are an adventure playground for adrenaline junkies.  But watch out, as participating in particularly risky activities such as climbing (where ropes are needed), cliff jumping or sky diving may not be covered by your policy.  Be sure to scan your policy’s small print to check out which of your preferred heart pounding activities are covered.
  • Pre-existing conditionsMedical conditions that exist before you travel are generally not covered, but it pays to check. You can sometimes pay a bit extra to get some conditions covered. Check your policy wording to see what conditions are covered automatically, and which ones require a medical assessment first.
  • Unreported items: You need to report theft or loss to the relevant authority ASAP (and your travel insurance provider) within 24 hours.


natural disasters in Japan

Japan has been thwarted by a series of earthquakes in recent years. In the majority of cases Australian travel insurance policies do cover you for unforeseen natural disasters that affect your holiday, however it's still a good idea to wise up on your cover.

If you already have a policy and have started your journey and your transport is delayed or cancelled or your accommodation is directly affected by a natural disaster there may be provision to claim for reasonable additional travel, accommodation and meal expenses.

If you have a policy but have not started your holiday and your pre-booked travel arrangements are cancelled, delayed or rescheduled as a direct result of a natural disaster, you may be able to claim for cancellation or rearrangement of your journey.

If your flights have been cancelled or your destination deemed unsafe, we recommend you contact your travel agent or travel provider regarding the best option in altering your trip. Some travel providers may provide penalty free options to amend travel arrangements and we suggest you contact them for further details.

It's good to remember that while flight delays can be frustrating, groundings due to natural hazards are always in the interest of passenger safety.

Not all insurers cover natural disasters

Like every type of insurance there are conditions you need to pay attention to- a few insurers where you need to pay attention to their conditions of cover as explained in the table below.

Insure4Less   Cover for hurricane, storm or other natural disaster only when it threatens your safety such that official evacuation orders are issued or that your pre-booked accommodation is rendered uninhabitable.
InsureandGo  Medical cover due to any natural disaster is automatically covered however for cancellation you must purchase this option as an additional extra.
No Worries  Only covers for natural disasters in Australia.
Tick Travel Insurance                                 To include unexpected Natural Disaster as a claimable event, you must have purchased this option and the option must be shown on your Policy Schedule.


how to save on Japan travel insurance

save on travel insurance
  • Choose your destination wisely – You might be able to save yourself a few buckaroos by finding an insurer that classes Japan in its own price bracket, rather than grouped under Asia.
  • Consider how often you travel - If you travel a few times per year, you could save by purchasing an annual multi-trip policy rather than purchasing a policy each time you take off.
  • Combine policies - If travelling with your family or a companion, a joint policy is often cheaper than purchasing separately.
  • Increase your excess - Most insurers allow you to lower your premium by opting to pay higher excess in the instance that you need to make a claim.
  • Shop around - You'll be amazed at how much travel insurance quotes can vary. Offers by travel agents or airlines usually have commissions added on. In fact, you can save up to 50% by shopping around, so it pays to buy your travel insurance direct. Doing your comparison online will allow you to compare loads of quotes in seconds. Yippee.
  • Pick the right level of cover - Whether you're a budget conscious backpacker, or spenaholic skier it pays to compare travel insurance policies to find the right cover for your trip. The cost of travel insurance can vary enormously! Say you’re 30 (ish) years old and you’re going to Japan for a one-week holiday. Depending on your preferred level of cover, you can expect to pay anywhere from $22 to $150

Basic policies for around $20 – $60 you an expect (generally speaking) medical, personal liability and unexpected travel expenses. 

Mid-level policies for around $30 – $80 you can get decent cover which includes benefits like medical, cancellation, personal liability as well as some cancellation and luggage cover. 

Comprehensive policies for around $50 – $150 offers generous cover including medical, cancellation, personal liability, luggage, luggage delay expenses, hospital cash allowance, travel documents and unexpected travel expenses.


Japan facts


  • Capital: Tokyo
  • Currency: Japanese Yen
  • Language: Japanese is the official language used in the country and is also the primary language in the country with over 125 million speakers.
  • Visa: Australian citizens travelling to Japan are not required to obtain a visa to enter Japan if the trip is for less than 90 days and when the visit is for tourism, a business trip, a conferences, to see relatives and friends.

Safety Speed Dial

Found yourself in a pickle? Should you encounter a blunder the following emergency contacts are good to have on hand.

Australian Embassy Tokyo
2 Chome-1-14 Mita, Minato City, Tokyo 108-8361, Japan
For the 24-hour Consular Emergency Centre, call:
03 5232 4111 (within Japan)
1300 555 135 (within Australia)
[email protected]

Tokyo police stations

Narita Airport
1-1 Furugome, Narita, Chiba 282-0004, Japan

Haneda Airport
Hanedakuko, Ota City, Tokyo 144-0041, Japan

Rugby World Cup Official Website



Have a tricky travel insurance question? Here are some of the most common queries we get from our customers.

How much does travel insurance to Japan cost?

It will largely depend on your age and how long you're going for. Comprehensive Travel Insurance to Japan for 7 days for a 30 year old can cost as little at $25. That's peace of mind for $3.50 a day. A small price to pay for you to enjoy your holiday knowing you're protected should the unexpected happen.

Is it compulsory to get travel insurance for Japan?

Travel Insurance is not required in order to enter the country, however it's highly recommended. Medical fees in Japan are one of the most expensive in the world. If you find yourself injured or ill in Japan and need to see a doctor, you'll be seriously out of pocket. For the small price of travel insurance - it really is a no brainer.

Does picking 'Asia' mean I'm covered for Japan?

Not always! Many travel insurance companies require you to specify each country you are visiting. If you are going to Malaysia, Japan and Hong Kong you would need to specify each of these countries, rather than selecting Asia as a region. This is because some Australian insurers price Japan as a little more expensive to other Asian countries. To ensure you're covered for Japan, make sure it says this destination on your Certifiate of Insurance.

Am I covered if I get food poisoning from eating puffa fish?

Yes, no, maybe! If you visit the Tokyo Tsukiji Market and eat some fresh fish which plays havoc on your tummy and you need to see a doctor, more than likely any expenses you incur will be covered. However, if you go to a restaurant offering puffa fish that sends you side-ways, an insurer may think otherwise. Insurers do not cover when you intentionally put yourself at risk.

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Contributor Natalie Smith

Natalie Smith

Having travelled to over 40 countries, studied tourism management and worked as a flight attendant for over three years, Natalie knows more than a thing or two about travel! She’s an adventure-lover, whose favourite trips have been trekking Machu Picchu and volunteering in an animal shelter in the Amazon. Qualified in Tier 2 General Insurance General Advice and specialising in travel insurance for the last five years, she in passionate about helping travellers get the most out of their holiday.

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