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    Travel Insurance for Japan Holidays

    Consider protecting your upcoming trip to Japan

    Japan is one of the most popular destinations for travellers heading to Asia with history spanning millennia. Incredible sites like the Meiji Jingu shrine and Todai-Ji temple are testaments to this fascinating culture.

    Whether you want an urban excursion or a trip through some sublime countryside, Japan has it all. However, it's smart to consider your options for travel insurance.

    Unexpected mishaps can derail a trip to Japan, so you’ll want to make sure you’re protected with appropriate travel insurance.

    That’s why we’ve put together a guide for everything you need to know about travel insurance for Japan.

    Looking for something in particular? Skip ahead to find:

    Do I need travel insurance for Japan?

    Yes, according to the NZ Ministry of Foreign Affairs and Trade (MFAT). As unlikely as it may seem when you’re planning a trip, there is always a change something could go wrong when travelling to Japan.

    You may suffer from an unexpected illness or injury while exploring Kyoto, or you might even be a victim of theft in Tokyo. While you hope you will never need it, travel insurance can provide cover when unexpected things happen - you don’t want to ruin holiday with unexpected bills.

    At Cover-More our travel insurance can provide cover for you against unforeseen overseas medical expenses, travel delay, lost or stolen luggage, and more. Read the Policy Wording for a full list of benefits.

    We also offer travel insurance options that can protect you on multiple trips abroad. Find out more about our Annual Multi-Trip cover if you’re a frequent jetsetter.



    What does travel insurance for Japan cover?

    This depends on the type of travel insurance you select. At Cover-More, we have two plans on offer: Options and Essentials. Find out more about each of them below:

    Options Plan travel insurance

    Our Options Plan includes benefits such as overseas medical and dental cover, cover for lost or stolen luggage, rental vehicle insurance excess, and so much more. This is our most comprehensive option for travel insurance to Japan.

    Essentials Plan travel insurance

    Our Essentials Plan can protect you against unexpected overseas medical expenses if you get injured or unwell whilst travelling in Japan. There are also benefits for additional expenses, luggage, personal liability, and more. This is a travel insurance option for travellers wanting affordable protection on a budget.

    Compare our different travel insurance plans by getting a quote online today.


    What are the benefits of travel insurance for Japan?

    Travel insurance for Japan offers a wide range of benefits to help protect you in case the unexpected happens. From unforeseen overseas medical expenses, to travel delays, loss of income, or accidental death cover, travel insurance can help you when you need it most.

    In one trip, you could be unfortunate enough to have your smartphone stolen, break your arm, and have a flight cancelled because of a strike. These situations can happen as easily in Japan as they can at home, so it’s important to protect yourself with travel insurance.

    See our popular travel insurance benefits before you set off on your trip.

    When should I buy travel insurance for Japan?

    It's a good idea to organise travel insurance for Japan once you start booking and paying for elements of your trip - such as flights, tours, and accommodation.

    You should consider organising travel protection as soon as you begin to make financial commitments to your Japan holiday, so you’re prepared if something unexpected happens before you take-off. A large percentage of cancellation claims occur prior to departing.

    How do I get a quote for travel insurance for Japan?

    Getting a travel insurance quote to protect your Japan trip couldn't be easier.

    Simply enter your travel details into our quote box online, and you’ll get a travel insurance quote in seconds.

    You can then select the type of cover you want, including the option to tailor to policy include things like cancellation cover or snow sports protection.

    Still need help getting a travel insurance quote for Japan? Call our team on (0800) 500 225.

    Can I get cover for skiing or snowboarding in Japan?

    Yes! Having an accident on the slopes and injuring yourself in Japan can ruin a well-planned holiday, in addition to potential medical bills. At Cover-More, we offer cover for snow sports to travellers planning to spend time on the ski field.  

    Skiing and snowboarding are popular attractions for visitors to Japan – renowned for having some of the best powder in the world. Find out more about our cover for winter sports so you’re aware of what is, and is not, covered by our snow sports travel insurance cover.

    Travel tip: if you’re participating in winter sports, use protective equipment and only visit areas that are marked as safe by local authorities.


    Am I covered for natural disasters in Japan?

    Japan is a country where natural disasters can occur. In recent years, there have been tsunamis, typhoons, and earthquakes in Japan.

    Fortunately, our travel insurance for Japan can provide protection for you if you are directly affected by an unforeseen natural disaster. See our latest claims advice to understand what is and is not covered when world events occur.

    Stay informed about any advisories for natural disasters in Japan, but if you need assistance, our 24-hour Emergency Assistance team can provide round-the-clock help.

    Is there claims advice for Japan?

    There may be relevant claims advice in place for Japan and this can change at any time as world events happen. See our claims advice page

    and keep up to date with the latest information to understand how it could affect your travel insurance policy for Japan.

    Is Japan safe to travel to?

    Yes, Japan is a safe place to visit as it has a low crime rate.

    However, the country is prone to natural disasters, particularly earthquakes. Certain regions are more susceptible than others, so do your research ahead of time to understand the risk.

    Having appropriate travel insurance for your Japanese holiday is important, as it can offer protection in case something unexpected happens. Our 24/7 Emergency Assistance team is available to all Cover-More policyholders, so we are there when you need us.

    What should I know before travelling to Japan?

    Japan is a beautiful and fascinating travel destination. But there are things you need to know in order to make your Japanese holiday run smoothly.

    Check out the top things every traveller to Japan should know:

    • You are required to carry your passport on you at all times, according to Safe Travel.
    • Check that your medication is legal to bring into Japan before travelling. Japan has strict laws pertaining to prescribed medication and illicit substances. There may even be restrictions on some ingredients found in cold and flu tablets or ADHD medication.
    • Visit your doctor before travelling to make sure your vaccinations are up to date. There have been outbreaks of measles reported in Japan in recent years. Find out how to avoid measles when travelling.
    • Cash is preferred, so make sure you have enough Japanese Yen (JPY) in case you can’t use a credit or debit card.
    • It is illegal to smoke on the street in Tokyo
    • and some other cities around Japan.
    • It is against the law to fly drones without a permit in many areas around the country.
    • Japan has a low crime rate, but petty theft and fraud still occur. Be aware of the top scams in Japan so you know what to look out for.
    • Observe and respect local customs and traditions, and learning a few greetings and common courtesies in Japanese can go a long way to enriching your experience.

    Need more information?

    If you have any questions about travel insurance for Japan, contact us or visit our frequently asked questions page for more information.


    Information provided has been obtained from official and credible sources at the time of writing but may change at any time or vary over time. Please be sure to do your own research and check government information sites as well as any independent sources to ensure you have the most correct information that is appropriate for you.