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Travel Insurance for Japan


Protect your trip to Japan and travel with peace of mind

Japan is one of the most popular destinations for travellers heading to Asia. Its history spans millennia, and 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, if you want to travel with peace of mind, it's important 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.

Keep reading our 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 DFAT. As unlikely as it may seem when you’re planning a trip, something could go badly wrong when you travel 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. Unexpected things happen that could ruin a holiday if they result in bills that quickly add up.

Our premium travel insurance can provide cover for you against unforeseen overseas medical expenses, travel delay and lost or stolen luggage to name a few policy 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 cover do I need for the Tokyo Olympics?

If you are travelling to attend the Tokyo Olympics, consider travel insurance for Japan with special events benefit. This benefit is included as part of Cover-More’s Premium Travel Insurance Plan.

Our special events cover can protect you if you’re delayed during transit due to unforeseeable circumstances beyond your control and can’t arrive in time to attend the Olympic sporting event you have tickets for. You can submit a claim for the reasonable additional cost of using alternative public transport to arrive in time so you don’t miss out!

Get a quote for Premium travel insurance to protect yourself when travelling to the Tokyo Olympics.


What does travel insurance for Japan cover?

This depends on the type of travel insurance you select. Cover-More offers a Premium Travel Insurance Plan or Medical Only Travel Insurance Plan when travelling to Japan. Find out more about each of them below:

Premium travel insurance

Our Premium Travel Insurance Plan includes benefits such as overseas medical expense cover, cover for lost or stolen luggage, rental car insurance excess, and so much more! This is our most comprehensive option for travel insurance for Japan.

Medical-only travel insurance

Our Medical Only Travel Insurance 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 and personal liability. This is a travel insurance option for travellers wanting basic protection that covers the necessities.


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 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 Cover-More’s popular travel insurance benefits so you can travel with peace of mind.

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.

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 with Cover-More!

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 optional cover for things like Cruise Cover or Motorcycle/Moped Cover.

Still need help getting a travel insurance quote for Japan? Call our team on 1300 72 88 22.

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. Plus, you could face large medical bills. Thankfully, Cover-More offers cover for winter sports to give you peace of mind while on the mountain.

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 winter sports travel insurance.

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?

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.

Japan is a country where natural disasters do occur. There have been tsunamis, typhoons, and earthquakes - which are not uncommon in Japan - within recent years.

Stay informed about any forecasts for natural disasters in Japan, but if you need assistance, our emergency 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 Japan 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 Smartraveller.
  • If you are visiting Japan as a tourist for less than 90 days, you don't need a visa. If you want to stay longer, contact the Japanese embassy in regards to getting the appropriate visa.
  • Check that your medication is legal to bring into Japan before travelling. Japan has strict drug rules and may have 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.

Visit our Japan travel hub

Find all the information you need to know about travelling to Japan when you visit our Japan travel tips hub. Learn about how to get to Japan, the top attractions you can’t miss, the best places to stay, and so much more!

How to contact Cover-More

If you have any questions about travel insurance for Japan, contact us and we'll be glad to help. Give Cover-More a call on 1300 72 88 22 or visit our frequently asked questions.