There’s been a resurgence in international travel lately, with Japan being one of the closest and most accessible destinations. Many people are wondering, “Do I need travel insurance when I go to Japan?”. Today, we’re going to take a look at the topic of “do I need travel insurance in Japan?” and if you do, we’re going to break it down for you, including how to get it.
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What is travel insurance?
Insurance is a safeguard against possible future mishaps. It protects your assets in the event of a catastrophic loss, giving you back the freedom to get on with your life.
Travel insurance is no different. Travel insurance gives you the freedom to enjoy your travels by protecting your money from the risks you may encounter along the way. There are three main types of travel insurance: domestic, international, and student. Today we’ll be looking at international travel insurance, so what does it cover?
What does international travel insurance cover?
International travel insurance covers the following things during the coverage period
Medical expenses for injuries or illnesses that occur during your trip
Theft and damage to your belongings, such as smartphones, laptops, and cameras (simple loss is not covered).
Compensation for damages you cause to other people’s bodies and property.
Compensation for hospitalization
Compensation for disfigurement
Compensation for airplane hijacking
Compensation in case of death
Reimbursement for passport replacement
If you’d like to learn more about international travel insurance, including pricing, coverage, and duration, check out the articles below.
Compare international travel insurance
Do I need travel insurance for Japan?
So, do you really need travel insurance when traveling to Japan?
Travel insurance in Japan
The bottom line is that travel insurance is definitely a good idea.
The most basic coverage is to cover medical expenses due to injury or illness. Hospital bills in Japan are quite expensive compared to Korea, partly because Korea is covered by health insurance and partly because Japan has a higher cost of living, but in any case, a simple cold can cost 50,000 to 100,000 won without insurance. An X-ray can cost hundreds of thousands of won.
According to the Japan Tourism Agency, about 1 in 20 people (5%) get injured or sick while traveling in Japan. Even people who are normally healthy often get sick when they go abroad for reasons such as food. Japan is also prone to natural disasters such as earthquakes, so you can’t ignore the possibility of injury. If you receive medical treatment at a hospital while traveling in Japan, you will be compensated for the full amount of medical expenses (actual costs) within the limits of your insurance policy.
Other essential travel insurance benefits include coverage for theft and damage to your belongings. Many people include this coverage because if your smartphone, camera, laptop, or other personal items are damaged or stolen, you’ll be reimbursed up to your policy limit.
In addition, overseas travel insurance is a great way to protect yourself from unfortunate events for a small fee (usually between a few thousand yen and 20,000 yen per day), so it’s definitely worth considering.
How to Buy Travel Insurance in Japan
If you’re traveling abroad on a package, most tour operators will take care of the group travel insurance for you, so you won’t have to worry about it. But if you’re traveling on your own, what kind of insurance do you need and how do you get it?
Most insurance companies have international travel insurance policies. Depending on the price and coverage, they are divided into budget, standard, and luxury tiers, and each tier has slightly different prices and coverage, so it’s important to compare the features and prices of different insurers.
The best way to do this is to use the InsuranceDamoa site.
Compare travel insurance in Japan
InsuranceDaMoA is a platform that allows you to compare various insurance products at a glance, and by simply verifying your identity, you can compare and purchase various insurance policies at once.
Compare Overseas Travel Insurance
In this article, we’ve covered the topic of “Do I need travel insurance in Japan?”.
Travel insurance covers you from 0:00 a.m. on the day after the day you purchase it, so if you’re traveling on Monday, you’ll need to purchase it on Sunday at the latest. Travel insurance covers you for all accidents during the period from the moment you leave your front door to the time you arrive home, not just in the area you’re traveling to. So take this into consideration when choosing your policy and premium.