Be Japan-ready with essential tips on travel insurance

Be Japan ready with essential tips on travel insurance

Safety should always be a priority when travelling, and Japan travel is no exception. Staying vigilant and purchasing a comprehensive travel insurance policy is the key to a worry-free holiday.

With a huge variety of insurance to choose from, it can be difficult to know where to start. That’s why we’ve put together a complete guide to help you understand the ins and outs of travel insurance.

Safety tips

A JR train travels through Iga Ueno, Japan

A JR train travels through Iga Ueno, Japan

While travel insurance will help you handle the unexpected, following a few safety tips can help you avoid accidents and injuries.

Japan remains a safe travel destination, but you should still act with the same caution that you do at home. Look out for suspicious activity, avoid carrying large sums of money, and monitor your belongings, especially in bars and nightclubs.

Although Japan is considered safe, natural disasters are a possibility. Japan has created early warning systems to alert anyone who may be impacted, and strict building codes help mitigate potential damage caused by storms.

Download the App ‘Safety Tips’ produced by Japan Tourism Agency to receive alerts and warnings about earthquakes, severe weather, volcanoes and more.

The Australian government allows anyone to subscribe to updates on changing conditions and register your travel plans via the Smartraveller platform.

Travel insurance

In addition to staying vigilant, travel insurance is a must for your international travel. Travel insurance won’t just cover you for unexpected costs, it’ll also ensure you feel prepared and equipped for your travels through Japan.

Coverage tips

Traveller walks past insurance provider

Traveller walks past insurance provider

With an overflow of information and policies, choosing the right travel insurance can be an overwhelming process. The most important thing to remember is to read through your policy carefully to make sure that you understand your coverage.

But before you buy a policy, you need to decide what types of coverage you require.

Some types of coverage are essential, such as medical coverage. You’ll want to make sure your policy covers you for overseas medical expenses in the case of accident or injury. If you have a pre-existing medical condition, your policy should also include coverage for any issues arising as a result of your condition.

Beyond the must-haves, travel insurance offers a range of coverage that you can choose to suit your situation. One of these offers covers your personal possessions. You may want your policy to cover your valuables, especially if you carry items like cameras or jewellery. Coverage for personal items can range from zero to thousands of dollars, so be sure to check your policy.

If you plan to participate in any activities that could result in injury, such as winter sports or driving a hired vehicle, you should consider a policy that covers those specific activities. Some policies don’t cover medical costs that result from certain types of recreation.

Another optional choice is travel disruption insurance. Some policies will cover costs associated with delayed or cancelled flights and lost baggage.

Things to watch for

After you’ve found a policy with the right coverage for your travel, there are a few things you should look out for.  

First, you should be aware of the definitions in your policy. Be sure you know how your policy defines words like ‘relative,’ ‘motorcycle,’ and ‘injury.’ For example, some policies may have an age limit on relatives or decrease coverage for relatives that are not immediate family members.

Travellers should also be aware of their policy’s stance on alcohol-related incidents. Accidents, loss, or theft after one too many cocktails is not typically covered by travel insurance policies. Check to see how your policy deals with these types of instances.

Additionally, some policies will not cover travellers who haven’t followed the advice of government travel warnings. Make sure you keep up to date with alerts and make your decisions accordingly.

You’ll also want to make sure that you’re policy covers you in Japan, if your trip includes visits to multiple countries.

Purchasing tips

Now that you’ve thought about coverage and policies, you may be wondering how you should purchase your travel insurance.

There are several different places you can purchase travel insurance. Comparing policies and prices online can give you the widest variety and the best price. If you’ve planned your holiday through a travel agent, they may be able to help you secure the right policy. Travellers that hold credit cards might also be eligible for a travel insurance policy through their card, although you should be wary of what is included in the policy.

If you’ll be making multiple trips within one calendar year, you may also be able to find a multi-trip package that can save you money.

Travel insurance is essential for a stress-free holiday in Japan.