Travel insurance for Japan

Travel insurance for Japan




Japan is fast-becoming one of the world's premier travel destinations. Annual tourist visits to the country have increased by roughly 20 million since the year 2000, and with stunning scenery, seafood and cities, it’s easy to see why.

Whether you’re exploring the bustling streets of Tokyo or skiing the powder snow of Hokkaido, it’s essential that you protect yourself with a comprehensive insurance policy when visiting Japan. Natural disasters, broken bones and damaged valuables can all turn your Japanese adventure into an expensive and upsetting experience.

What does my insurance cover in Japan?

Our TravelCare policy is an affordable and comprehensive option for your holiday to Japan. Our TravelCare insurance offers cover for:

Please read the Policy Wording for terms and conditions, sub-limits and exclusions.

When you protect yourself with a TravelCare policy, you also gain access to our worldwide emergency assistance team, who are available for round-the-clock assistance and advice 24 hours a day, 7 days a week.

Geisha girls in Japan

Does my policy cover cancellations and lost deposits?

We know that travel plans don’t always go according to the script, which is why we offer cover for cancellations and lost deposits. This cover starts from the moment you purchase your policy until the moment you leave New Zealand, which is why it’s a great idea to buy your insurance early.

Our TravelCare policy also includes comprehensive delay cover, so if your flight out of Tokyo is delayed due to poor weather, or you miss a tour of the temples due to forces beyond your control, you could be covered for up to $30,000 per journey.

Cover for medical emergencies and hospital bills

Japan is generally regarded as a safe destination with good access to quality medical care. Nevertheless, there’s room for the unexpected wherever you visit.

Whether it’s a broken bone sustained on the ski field or a stomach bug caused by a dodgy meal, injury and illness can take the shine off your holiday to Japan. Our TravelCare policy can cover you for unexpected medical emergencies and hospital bills.

If you’re injured or ill and need emergency medical assistance, it’s a good idea to present your TravelCare policy to hospital staff and avoid paying up front whenever possible. To stay fit and healthy in Japan, it helps to:

  • Stay up-to-date on routine vaccinations like the flu shot
  • Wash your hands regularly, especially before eating
  • Avoid eating in empty restaurants and cafes
  • If you’re new to Japanese cuisine, ease yourself into things by sticking to cooked food for a few days

Traveller exploring rural Japan

Will my insurance cover natural disasters in Japan?

Unfortunately, Japan has suffered from several devastating weather events that have claimed thousands of lives. The earthquake and tsunami of 2011, for example, ravaged much of the coastline and killed an estimated 16,000 people.

Strong winds, heavy rains, snowstorms and typhoons also have the potential to cause significant travel delays. Japan’s typhoon season runs from August to November, during which time planes are frequently grounded, so take extra care when visiting in these months.

It’s a good idea to buy travel insurance as soon as you pay for any flights or accommodation, so that we can cover you if you have to cancel your trip due to unexpected events like extreme weather.

Insurance for stolen or damaged phones, cameras and laptops

Petty crime isn’t considered a serious issue in Japan, as its residents are famously polite and considerate. However, pickpocketing exists all around the world and the crowded streets and stations of Tokyo make it an ideal hunting ground for thieves. To avoid pickpockets, remember to:

  • Keep your valuables in sight and on your person at all times
  • Avoid carrying your wallet and phone in your back pocket
  • Take extra care in crowded areas like markets and train stations
  • Avoid travelling alone at night or in dimly-lit areas

Boat on a lake in Japan

Safety tips and advice for Japan

With the right preparation, research and advice, your holiday to Japan can be a memorable one for all the right reasons. While it’s considered a safe and welcoming travel destination, there are several things that visitors should remember when exploring its sights and sounds.

There are a few local Japanese laws that can take tourists by surprise:

  • Drinking alcohol is legal on the street, with some vending machines even serving beer and sake! However, be sure to drink responsibly.
  • Japan has a 0% blood-alcohol limit for driving.
  • Tourists are required to keep their passport on them at all times when travelling through Japan.
  • Some prescription medication you bring from home may be illegal in Japan, so ensure you keep a prescription note from your doctor and a letter explaining its purpose. It’s also a good idea to have a copy translated into Japanese.

Please read the PDS including Policy Wording to make sure TravelCare is right for you and your next holiday overseas.

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Issued and underwritten by Southern Cross Benefits Limited trading as Southern Cross Travel Insurance. 

*Terms and conditions apply to the promotion and to the purchase of a TravelCare policy.

We are a Registered Financial Service Provider and a member of the Insurance & Financial Services Ombudsman Scheme.  Southern Cross Benefits Limited has an A (Strong) financial strength rating given by Standard & Poor's (Australia) Pty Ltd. The rating scale is: AAA (Extremely Strong) AA (Very Strong) A (Strong) BBB (Good) BB (Marginal) B (Weak) CCC (Very Weak) CC (Extremely Weak) SD or D (Selective Default or Default) R (Regulatory Supervision) NR (Not Rated). Ratings from 'AA' to 'CCC' may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.  Full details of the rating scale are available at Standard & Poor's (Australia) Pty Ltd is an approved agency under the Insurance (Prudential Supervision) Act 2010.

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