It can cover medical expenses caused by injuries and accidents, unless it's from an excluded activity.
It can pay for transport to hospital by helicopter or ambulance, as well as medical evacuations back to Australia.
If you're renting a car in Japan, make sure you have car rental excess cover.
Theft can occur in Japan. Travel insurance can cover you for lost or stolen valuables. This could include rings, necklaces, phones and watches.
Terrorism is a risk in Japan. A few insurers provide cover for medical and hospital expenses caused by an act of terrorism, including the cost of bringing you back home.
Looking for the best travel insurance for Japan? Check out our award winners in 2023
This survey was conducted by Dynata, where 95% of respondents said they would recommend Tick to a friend, and it scored the highest in the 'value for money' category.
Southern Cross Travel Insurance has taken the top position in the 'Travel insurance - Comprehensive' category for the 2023 Finder Awards. Why? It's got to do with its wide COVID-19 coverage and how it handles cancellations due to unexpected events.
Adding to that, its average pricing was pretty affordable compared to other brands who offer less coverage for a higher price.
Fast Cover is the winner of the 2023 Finder Awards for the 'Travel insurance - Value' category. How? We compared the average prices of 28 international travel insurance policies, and Fast Cover came out on top.
But what does 'value' mean? It means we looked at more than just price. Fast Cover doesn't include everything on its policies, but it offers good value.
InsureandGo has taken the top place for the 'Travel insurance - Domestic' category in the 2023 Finder Awards.
Why? We analysed 23 domestic policies and found that InsureandGo were generous with their benefit limits for things like cancellation and rental car excess insurance.
Southern Cross Travel Insurance is the winner of the 'Travel insurance - Seniors' category in the 2023 Finder Awards. Why? It has higher age limits and generous benefits.
We also appreciated SCTI's easy-to-read product disclosure statement. This means that customers can easily understand their policies, and travel with confidence.
Fast Cover Travel Insurance's COVID-19 Benefits & Refund Policy earned it a place among the finalists in the Insurance Innovation category of this year's Finder Innovation Awards.
It goes further than many other insurers, covering COVID medical expenses and evacuation, up to $5,000 for COVID-related cancellations and additional expenses.
Every travel insurance policy has things you won't be covered for. Common exclusions include:
If you purchase cover after the incident has occurred. For example, if you take cover out after you've been injured and need medical attention.
Pre-existing medical conditions. If you have any major medical conditions, make sure you let your insurer know before taking out a policy. Otherwise you won't be covered for claims related to that condition.
You travel despite government travel advice. For example, if you travel to areas that have a warning from Smartraveller, such as the restricted areas near the Fukushima Dai-ichi nuclear power plant, travel insurance may not cover you.
Incidents that occur while you're under the influence of drugs or alcohol. For example, if you go out drinking in Tokyo, get injured and need medical attention, travel insurance won't cover you.
Driving vehicles without a licence. Like Australia, you won't be covered for medical costs or personal liability expenses if you drive without a licence in Japan.
Did you know?
Natural disasters such as earthquakes and tsunamis can occur in Japan.
Will I be covered for COVID-19?
Travel insurance can cover you for COVID-19 in Japan. A policy can cover you for the following:
Rearrangement costs if you catch the virus and need to change your plans. Lots of comprehensive travel insurance policies let you claim up to $5,000 towards these expenses.
Medical costs due to COVID-19. This can include hospital expenses and RATs if you catch COVID-19 while overseas (but you won't be covered for mandatory PCRs).
Expenses if you need to isolate. For example, if you catch COVID while you're overseas and need to push back your flight and stay in your accommodation longer.
How do I get cheap travel insurance for Japan?
Medical only or basic policies will generally be the cheaper policies on the market.
Use exclusive deals or promo codes to get a discount.
Opt for a higher excess. This will make your policy cheaper but more expensive if you have to claim.
Compare across a handful of travel insurers – they're not all the same.
Get the most value by buying your policy early. It means you're covered for longer while paying the same price.
When I travel, I don't want to fork out a lot for travel insurance. I always get something above the bare minimum though which usually only covers medical-only expenses. Flight disruptions and delayed luggage are really common, so look for a cheap policy that covers me for these things.
For emergencies: call 110 (police), 119 (ambulance) or 119 (fire).
In a medical emergency, call for help and then contact your insurer on their emergency assistance line.
Civil unrest, security risks, threat of terrorist attack and crime are a concern in Japan, but you should still be eligible for travel insurance. It won't cover all of these situations but it can help cover medical costs, stolen belongings and much much more.
Angus Kidman is the international editor-at-large at Finder. He's an award-winning journalist, avid travel enthusiast and passionate frequent flyer. Angus appears regularly on Sunrise, Today, The Project, Seven News and other TV and radio shows to share his expert tips.
Angus's top Japan travel insurance tips
Shop around - there are big differences in the costs of policies with similar inclusions.
Wearing a mask in public if you have a cold is an expected courtesy in Japan - respect local customs if you do get ill.
Take out insurance as soon as you book your trip - that maximises the value of your cover.
Why you can trust Finder's travel insurance experts
We're free
Our travel insurance engine is completely free to use. You pay the same as buying directly from the insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of travel insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2014, we've helped over one million people find travel insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.
FAQs about Japan
While the majority of the country including Tokyo has radiation levels within the normal range, you should avoid areas surrounding the Fukushima Daiichi Nuclear Power Plant.
The March 2011 earthquake and subsequent tsunami caused a nuclear disaster, which still affects the area surrounding the plant.
Before you depart, make sure you check with your doctor to make sure you're up-to-date on your vaccinations. Before heading to Japan, you specifically want to ask your doctor about:
Hepatitis A
Hepatitis B
Typhoid
Rabies
Japanese Encephalitis
While you may not need all of these shots, it never hurts to consult your doctor about your specific risks.
Not getting all the advisable travel vaccinations is not only potentially bad for your health, but it could also end up costing you a bunch. If you're advised to get a vaccination, but don't get it and wind up sick in the hospital, your travel insurer won't cover your medical costs.
The cheapest policy will usually only cover you for medical expenses. However, flight disruptions and petty crime are fairly common in Japan so it may be worth getting comprehensive travel insurance. This can cover you for medical expenses, trip rearrangement costs, theft, luggage delay and more.
The Australian government's smartraveller site recommends that you take out cover when travelling to Japan. If you can't afford travel insurance, you can't afford to travel.
Lots of travel insurers cover COVID-related expenses now. You can find a full table of the policies that cover COVID expenses on our homepage.
Yes. The Australian government smartraveller website says to exercise normal safety precautions in Japan.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
Long term travel insurance is designed to meet the specific needs of travellers planning extended trips away, including backpackers and business travellers.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
