Japan Travel Insurance

The One Thing You Need, When One Thing Goes Wrong In Japan.

Travel Alerts: 

Before you buy, please read our travel alerts.

"great experience (apart from the torn ACL!). Huge thanks to our emergency case manger. Outstanding!!"
— Matthew Noblet June 2024

the One thing you need in japan

medical
24/7 Medical Assistance

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.

cancel
Cancel-proof
your trip

Things go wrong when you travel. If your plans change before you head overseas, we’ll cover cancellation fees and lost deposits. 

luggage
Ease Lost
Luggage Woes

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.

ski
Snowboard & Ski Stress-Free

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.

car hire
Shock-Free
Car Hire

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.

Disaster
Relief 

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.

Motorbike
Scooter & Motorbike Protection

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.

cruise
Carefree
Cruising

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.

 

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Travel Insurance Options For Japan?

 

Option 1

Comprehensive

This is our highest level of cover.

 
 

Option 2

Medical Only

For medical expense coverage only.

 
 

Option 3

Frequent Traveller

If you travel more than once a year.LEARN MORE

 

We've provided an outline for each of the options below. If you need more information or need to view the terms and conditions, please take a look at the Policy Wording, or get an instant quote now.

 

Get a quote

 

 

Option 1: Comprehensive Cover

 

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 BenefitsComprehensive
Emergency
24/7 Emergency Assistance Serviceincluded
Medical
Overseas Emergency Medical & Hospital ExpensesSOunlimited
Dental ExpensesO$1,000
Hospital Cash AllowanceSO$5,000
Repatriation Of RemainsO$25,000
Permanent DisabilityO$25,000
Loss of IncomeSO$10,400
Luggage & Personal Items
Travel Documents & Transaction CardsO$5,000
Theft of CashPO$250
Luggage & Personal EffectsAS$15,000
Luggage & Personal Effects Delay ExpensesASO$1,000
Cancellation & Delay
Pre-Departure Cancellation Fees & Lost DepositsPSchosen limit
Pre-Departure Amendments to JourneyA$2,000
On-trip Disruption
On-trip Cancellation Fees & Lost DepositsPSchosen limit
Additional Accommodation & Travel Expenses
— Family Emergency
— Emergency Companion Cover
AS$50,000
Travel Delay ExpensesS$2,000
Special Event Transport ExpensesO$2,000
Other
Personal LiabilityP$5 million
Domestic PetsS$500
Domestic ServicesSO$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.

Choose Add-ons For your Comprehensive cover

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. 

Cruise
Pack 

Protect yourself while cruising in
Japan with our
Cruise Pack add-on.

ski
Winter Sports
Pack

Cover yourself and your gear on your ski or snowboarding trip with our Winter Sports Pack add-on.

More Cover for Your Rental Vehicle 


Hiring a car? Make sure you include our rental vehicle excess pack to cover for any damages or theft of your car hire.

luggage
High Value
Items Cover

Protect high-value items that are not automatically covered by your policy. Note: items cannot be older than 12 months.


Option 2: Medical Only Cover

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 TripMedical Only
Emergency
24/7 Emergency Assistance Serviceincluded
Medical
Overseas Emergency Medical & Hospital ExpensesSOunlimited
Dental ExpensesO$1,000
Repatriation Of RemainsO$25,000
Other
Personal LiabilityP$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.

Option 3: Annual or Frequent Traveller Cover

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.

  

Why you Need Travel Insurance In Japan

$225,000

Cost of an air ambulance from Japan back to New Zealand.

$84,000

The average cost of a weekly hospital stay in Japan in ICU.

$20,000

Cost of repatriation on a plane from Japan to New Zealand.

 


And Did you know...?

  1. 1.  Many people think the government will pay their medical bills overseas. But in Japan, you’re the one who’ll need to pay upfront for your doctor’s visits, hospital stays, and medication.
  2. 2.  Japan is ranked fourth in the world for exposure to natural disasters, and the country is vulnerable to typhoons, earthquakes, floods, tsunamis, volcanoes, cyclones and storms.
  3. 3.  There are millions of mishandled bags around the world, with 25% of Japan 1Cover claimants losing/damaging their luggage

 

Travel insurance can't prevent things from happening. But if you have 1Cover, you'll have someone there when one thing goes wrong. 

 

Japan Travel Insurance FAQs

  • Will You Pay My Hospital Bills If I get Sick Or Injured In Japan?
  • 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.

  • Am I Covered For Off-Piste Skiing & Snowboarding 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.

  • What Do I Do If I get robbed in Japan?
  • 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

  • I’ve reached Japan and the airline Has Lost My Luggage. Will 1Cover Replace The Items?
  • 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).

  • Can I Apply To Extend My Travel Insurance Policy while I’m in Japan?
  • 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. 

  • Am I Covered For Natural Disasters?
  • 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.

  • I travel to Japan a few times a year. What’s the best policy for me?
  • 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.

  • Can I Get Extra Cover For My High-Value Items?
  • 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).

 

READ ALL FAQS

 

The One thing They Needed in Japan

 

Khoa's Bacterial Infection

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. 
 

I'm Really Happy With The High Level Of Care & Service Provided.
 
 

Gina's Snowboarding Injury

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.

I was alone in a foreign country but i felt fully supported.
 

Robin's Cancelled Flights 

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.
 

Claiming for my train tickets was a breeze - unlike dealing with the airline! 
 

Travel Insurance Statistics

...they're interesting, really!

 Over 90% of travellers were covered by travel insurance the last time they went overseas.**

Expensive Medical Bill

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.*

We've Already Helped 2 Million Customers

1Cover is rated 4.3 out of 5, Independently Rated On Feefo 
  • "Recommend to friends & family"

    “1Cover have always dealt with my claims in a professional manner. We have no hesitation in recommending 1Cover.”

    Steven Adams, June 24

  • "Outstanding service"

    “We will always use 1Cover now - outstanding service, great experience (apart from the torn ACL). Huge thanks service was outstanding!”

    Matthew Noblet, June 24

  • "Process was so easy"

    In our 72 years, we have never had a travel claim. Thank you for making a horrendous time truly easy!

    Kenneth & Angela Murray, May 24

 

If You Only Do One Thing...

Food To Try In Japan
The One Challenging Food to Eat In Japan

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?

The Must Ski Resort In Japan
The One Japanese Ski Resort You haven't heard of

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.  

Snowboarding Tips
The One Tip For Snowboard Newbies in 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.  

 

Before Your Trip...

FAQs
Got some Questions? 

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. 

Know before you go

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. 

 

One Last Thing: Emergency Contacts & How To Claim

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. 

Plan an Activity In Japan

Hiking In Japan
Head Off The Beaten Track

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.

Skiing Holiday In JAPAN
Ski in Japan

Eager to carve up Japan’s epic ski runs but don’t know where to start? Head to our ski Japan guide for inspo. 

Karaoke In Japan
Karaoke in Japan

Fancy yourself a singer? In Japan, there's no shortage of karaoke bars, from futuristic private rooms or classic bars. 


 

Still Need Some Help? 

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