Before you buy, please read our travel alerts.
If you get sick or injured while you’re in Japan, we’ll be there to cover any unforeseen medical expenses, including hospital stays, medicine, or emergency evacuation.
Things go wrong when you travel. If your plans change before you head overseas, we’ll cover cancellation fees and lost deposits.
Lost or delayed luggage is a common travel problem. We cover lost or damaged bags or belongings. This means you can travel worry-free with valuable items such as cameras, laptops, or glasses.
If you’re travelling to Japan’s famous ski-fields, make sure you add-on a Winter Sports Pack to your insurance. It covers things like damaged ski equipment, weather delays, and piste closure.
If you’re getting out of the city and in to the Japanese countryside, you might need a hire car. But remember, if you don’t have our rental vehicle excess add on and something goes wrong, you might be liable for hefty rental vehicle excess.
Typhoons, landslides, earthquakes, and tsunamis have all hit Japan in recent years. If your trip is ruined because of a disaster, we can assist – but always check the news and our travel alerts before booking your trip.
Whether it’s to zip along Tokyo’s streets or traverse country mountains, a rental bike is a great way to see Japan. Read our PDS to understand cover restrictions.
Cruising brings a certain set of risks, including on-board illness, lost items, cancelled day trips, weather delays, and more. If you plan on cruising in Japan, you might need our Cruise Pack add-on.
Comprehensive Travel Insurance is our highest level of cover, with optional add-ons for snow, cruise, extra rental vehicle excess, and high-value items.
If you have pets, we include vet fees if your pet gets sick while you're away, and we'll pay pet boarding fees if you're delayed.
For a detailed outline of benefits and inclusions, as well terms and conditions, please refer to the Policy Wording, or get an instant quote now.
Japan Travel Insurance Policy Benefits | Comprehensive | |
---|---|---|
Emergency | ||
24/7 Emergency Assistance Service | included | |
Medical | ||
Overseas Emergency Medical & Hospital Expenses | SO | unlimited |
Dental Expenses | O | $1,000 |
Hospital Cash Allowance | SO | $5,000 |
Repatriation Of Remains | O | $25,000 |
Permanent Disability | O | $25,000 |
Loss of Income | SO | $10,400 |
Luggage & Personal Items | ||
Travel Documents & Transaction Cards | O | $5,000 |
Theft of Cash | PO | $250 |
Luggage & Personal Effects | AS | $15,000 |
Luggage & Personal Effects Delay Expenses | ASO | $1,000 |
Cancellation & Delay | ||
Pre-Departure Cancellation Fees & Lost Deposits | PS | chosen limit |
Pre-Departure Amendments to Journey | A | $2,000 |
On-trip Disruption | ||
On-trip Cancellation Fees & Lost Deposits | PS | chosen limit |
Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion Cover | AS | $50,000 |
Travel Delay Expenses | S | $2,000 |
Special Event Transport Expenses | O | $2,000 |
Other | ||
Personal Liability | P | $5 million |
Domestic Pets | S | $500 |
Domestic Services | SO | $500 |
Benefits shown are a summary of cover only. Sub-limits may apply. Please read the Policy Wording for full terms, conditions, limits, excess payable and exclusions to determine whether our travel insurance is right for you. A Limits are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller. S Sub-limits apply. P Limits are per policy regardless of the number of persons the claim relates to. O There is no cover while travelling in New Zealand. |
If you’re travelling with expensive new items, going cruising, hitting the ski slopes, or you're worried about car rental insurance excess, then you may want to select the following add-ons.
Cover yourself and your gear on your ski or snowboarding trip with our Winter Sports Pack add-on.
Hiring a car? Make sure you include our rental vehicle excess pack to cover for any damages or theft of your car hire.
If you're travelling on a budget, and looking for cheap travel insurance to Japan, then 1Cover’s Medical Only policy offers a cheaper alternative to comprehensive travel insurance. It's our most basic policy and will only provide cover for any medical expenses and emergency assistance costs.
For a detailed outline of benefits and inclusions, as well as terms and conditions, please refer to the Policy Wording, or get an instant quote now.
Japan Single Trip | Medical Only | |
---|---|---|
Emergency | ||
24/7 Emergency Assistance Service | included | |
Medical | ||
Overseas Emergency Medical & Hospital Expenses | SO | unlimited |
Dental Expenses | O | $1,000 |
Repatriation Of Remains | O | $25,000 |
Other | ||
Personal Liability | P | $5 million |
Benefits shown are a summary of cover only. Sub-limits may apply. Please read the Policy Wording for full terms, conditions, limits, excess payable and exclusions to determine whether our travel insurance is right for you. S Sub-limits apply. P Limits are per policy regardless of the number of persons the claim relates to. O There is no cover while travelling in New Zealand. |
Do you travel more than once a year to Japan? Then it might make sense to buy a multi trip annual policy. This works just like our comprehensive cover (detailed above), except you can take as many trips as you want in a year and you’ll still be covered.
Let us know the maximum trip duration of any one trip before selecting from the options below.
Frequent Traveller 21 days maximum
Frequent Traveller 45 days maximum
Find out which Annual Frequent Traveller cover policy would suit you best here.
For a detailed outline of benefits and inclusions, as well as terms and conditions, please refer to the Policy Wording, or get an instant quote now.
Cost of an air ambulance from Japan back to New Zealand.
The average cost of a weekly hospital stay in Japan in ICU.
Cost of repatriation on a plane from Japan to New Zealand.
Travel insurance can't prevent things from happening. But if you have 1Cover, you'll have someone there when one thing goes wrong.
Please refer to the Policy Wording and policy schedule and check if your sickness or injury is a claimable event and is covered. If you are hospitalised, or if you are treated as an outpatient, or if the total cost of the treatment will exceed $1000, please contact our emergency assistance service as soon as possible to obtain their prior approval.
In circumstances where the claim is approved, we can then provide written guarantees of payment of reasonable expenses for emergency hospitalisation that may be required while you are in Japan.
You must select the Winter Sports Pack add-on when booking your policy to be covered for any winter sports activities. Read more to understand about our off piste cover.
If you are robbed while you’re on holiday, you should report the theft to the police or nearest local authority immediately. You will also need to obtain a written report to be used as supporting documents for your claim.
If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred, then your travel insurance may not cover you.
However, if you are not reimbursed the full amount of your claim, we will assess your claim and you may be entitled to be paid the difference between the amount of your loss and what you were reimbursed, up to the limit of your cover (allowing for depreciation due to age, wear and tear).
Yes, of course. If you want to extend your policy while you’re in Japan, the easiest way to do this is via the Policy Manager.
You'll need your policy number (available in the email confirming your policy), and a few other simple details. Log-in and extend your trip, add destinations, or buy add ons/extras.
Make sure you extend your policy before it expires. If you have trouble, you can email us at [email protected]
Please note there may be instances where a policy extension is not available.
Travel insurance provides cover for weather events as long as they are unforeseen. If you do get caught up in an unforeseen event while you are in Japan and you are injured or your trip is interrupted, 1Cover can assist.
Our policies do not cover claims for losses caused by an event that you were aware of at the time of purchasing your policy. Once an event has become published in the mass media, it is expected that you have purchased your insurance with this knowledge in mind.
1Cover will, where possible, issue travel warnings in relation to such large scale events and the dates and times after which they are not seen as an unforeseen event.
We have a policy called Frequent Traveller which allows you to take as many trips under the one policy for 12 months and enjoy comprehensive cover on each one. There is a limit to the maximum length of each trip on these policies. You can travel to one or more destinations with this policy.
Find out more about our annual travel insurance policies here.
Laptop computers, cameras, mobile phones…they’re all things we need on at home and on holiday. That’s why you can choose a bit of extra protection for your can’t-live-withouts. All you need to do is include and specify certain high-value items that aren't automatically covered when you're buying your policy.
Note: the items cannot be older than 12 month, and you can't specify items like jewellery, watches, bicycles and watercraft (apart from surfboards).
Khoa ended up with a bacterial eye infection while on holidays in Tokyo. He was admitted to hospital, where he stayed overnight and received IV antibiotics to clear the infection.
Despite only spending one night in the hospital, the medical and treatment expenses added up to nearly $26,000 which 1Cover took care of.
A nasty snowboarding accident in Happo-Hakuba brought Gina’s trip to an early end and left her with a fractured tailbone and in a lot of pain.
1Cover covered $12,000 for her medical expenses, transfers, and flights so Gina and her partner could come home early.
When Robin’s flight from Tokyo to Sapporo was cancelled with no guarantee of a flight for two days, she decided to take the almost 10-hour train ride to Sapporo. That train was then cancelled due to bad weather, and Robin was stuck for two days until the trains were back on line.
1Cover was able to reimburse Robin the cost for the train tickets and additional accommodation.
Over 90% of travellers were covered by travel insurance the last time they went overseas.**
Nearly 40% of claims made by 1Cover Japan policy-holders were for medical and emergency assistance.*
1 in 4 claims made by our Japan policyholders were for lost or damaged bags and belongings.*
“1Cover have always dealt with my claims in a professional manner. We have no hesitation in recommending 1Cover.”
“We will always use 1Cover now - outstanding service, great experience (apart from the torn ACL). Huge thanks service was outstanding!”
In our 72 years, we have never had a travel claim. Thank you for making a horrendous time truly easy!
Think you’ve got a cast iron stomach? Sit down to this Japanese delicacy and see what you’re made of. Are you up for the challenge?
You’ve probably heard of Niseko, Hakuba, and Nagano. But it’s likely you don’t even know about this epic resort in the very north-east of Japan.
Are you snowboarding for the first time while in Japan? Then here's the one bit of advice every snowboard beginner needs to know.
If you have any other questions that haven't been answered on this page, visit our FAQs section for even more information. From riding scooters to questions on skiing, cruising, and travelling with kids, you'll find what you need here.
The one thing you should do before you get travel insurance is look at 1Cover Travel Alerts. Here you’ll find information on new and current travel events and what will be covered by your policy.
We hope nothing goes wrong on your trip to Japan. But if it does, the resources in this section can help you.
New Zealand has an Embassy in Tokyo, Japan and multiple consulates throughout the rest of Japan. They provide a range of services to the general public, including consular, passport, visa and immigration, citizenship and cultural relations services.
Be informed. Be prepared. If you're across The New Zealand Government's SafeTravel website, you'll have all the latest information for your trip to Japan. SafeTravel is a trusted resource for New Zealander travellers and is updated regularly, so make sure you bookmark this handy resource.
If you need emergency assistance in Japan, please call our 24/7 emergency medical assistance line or email [email protected].
For non-emergency assistance, you can message our Sydney-based support centre seven days a week.
If something happens to you and it's not an emergency, you can start the claims process whenever it's convenient to you. Visit our online claims platform, and if you have all the necessary documentation, your claim will be processed in 10 business days.
Take the road less travelled and catch a glimpse of authentic Japan with self-guided tours to some of Japan’s most spectacular spots and hidden gems.
Eager to carve up Japan’s epic ski runs but don’t know where to start? Head to our ski Japan guide for inspo.
Fancy yourself a singer? In Japan, there's no shortage of karaoke bars, from futuristic private rooms or classic bars.
If you have any other questions or queries, please send us a message via our Contact Us page.
If you are experiencing an emergency, please use the details on our Emergency Assistance page.