travel insurance philippines to japan

Travel Insurance for your holidays in Japan and abroad

Travel insurance for japan.

If your dream vacation is a trip to Japan, you will want to be sure you can enjoy every moment of it even if things do not go as planned. Discover all the ins and outs with this guide to Japan with travel insurance . Will discuss the details on costs, requirements, essential coverage, COVID-19 restrictions, and some handy tips for your trip.  

• What should your Travel insurance cover for a trip to Japan? 

How does Travel Insurance for Japan work?

How much does travel insurance cost for japan.

• Our Suggested AXA Travel Protection Plan

What types of Medical Conditions do AXA Travel Protection Plans cover?

Any covid-19 restrictions for u.s. visitors, what if i have a pre-existing medical condition, how do axa travel protection plans work, what should your travel insurance cover for a trip to japan.

At a minimum, your travel insurance to Japan should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Japan.

Imagine this: you are exploring Japan’s plethora of vending machines in the city of Tokyo. From ramen noodles to exotic drinks, you can’t help but try it all. Suddenly, you feel queasy and uneasy. The snacks from a vending machine must have been spoiled. With AXA Travel Protection, we can help assist or guide you to the nearest hospital. Whether the situation goes from bad to worse, AXA is there to help you create a plan of action. Here’s how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits:  

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

In general, travel insurance to Japan costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Japan will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs.

Our suggested AXA Travel Protection Plan

AXA presents travelers with three travel plans – the Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Brazilian hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses. If you're seeking added protection for your Japan adventure, opt for the Platinum Plan. With the optional Cancel for Any Reason addition, enjoy increased flexibility for unforeseen changes in your travel agenda. Plus, Rental Car (Collision Damage Waiver) can offer coverage as you navigate the breathtaking landscapes of Thailand in your rental vehicle.

AXA covers three essential types of medical expenses:

• Emergency Medical
• Emergency evacuation & repatriation 
• Non-medical emergency evacuation & repatriation 

Emergency Medical: Can cover medical expenses, hospital stays, and even emergency evacuations, covering the expenses of hefty bills and ensuring access to quality healthcare while away from home.

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Non-Medical Emergency Evacuation and Repatriation: Offers assistance in unexpected situations such as political unrest or natural disasters, ensuring safe and timely relocation to a secure location or repatriation back home. 

There are no restrictions related to COVID-19 for U.S. visitors traveling to or from Japan at this time. U.S. travelers will not have to show proof of COVID-19 testing or vaccination records and you do not have to quarantine either. Regulations change regularly, so it is best to double-check right before you go. For up-to-date information on requirements for COVID-19 and other travel restrictions visit the Ministry of Foreign Affairs of Japan website.

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip. Our Gold  and Platinum Plans offer coverage for pre-existing medical conditions. The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons Whether your pre-existing medical condition is covered on a travel insurance plan depends on when you were diagnosed with the condition. Any condition you had within 60 days before your policy began is not covered, although if your physician diagnoses you with a condition after the effective date of the policy, your travel insurance coverage applies. NOTE: – Your state of residency may affect your coverage, so be sure to read your policy thoroughly.

Suppose you are traveling from Houston to Japan with a layover in New York City. The snow is pelting down, and the airline cancels your connecting flight in New York. A quick call to AXA's concierge services will get you a referral for a hotel and a ride to get you there. You also get reimbursed for extra expenses like meals, toiletries and other incidental expenses (up to the per-day limit) until you can get a new flight to Japan.

FAQs About International Travel Insurance for Japan

1. can you buy travel insurance after booking a flight.

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance for Japan?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3. What is needed to visit Japan from the USA?

To visit Japan, you will need a valid passport for the duration of your stay, a visa (unless you are visa-exempt), an onward or return ticket, and a QR code from the Visit Japan Web website . While travel insurance is not required, it is valuable to have.

4. What happens if a tourist gets sick in Japan?

If you become sick in Japan, travelers with AXA Travel protection can contact the AXA Assistance hotline at  855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

5. Does Japan have free health care for travelers?

No. Japan has a public health care system, but it is not available for tourists.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Finding the Right Travel Insurance for Japan

Here’s what you need to know about travel insurance for Japan, with a comparison of some of the options available—including those that you can book when you’ve already started your trip.

A short but necessary disclaimer: Getting travel insurance is important, but we can’t make the decision for you. We can only provide information to hopefully make that decision a bit easier. Also, please note that we do not sell or provide insurance ourselves.

Note: Antibody tests and PCR tests needed for travel purposes are generally not covered by travel insurance. As always, read the T&Cs carefully!

• Do I need travel insurance for Japan?
• Coverage for flight delays & lost luggage
• Japan travel insurance essentials
• Compare travel insurance providers for your trip to Japan

Japan travel insurance FAQs

You are ready for the adventure of a lifetime in japan what could possibly go wrong a lot, actually..

Apart from the obvious travel disasters (think lost luggage, pinched passports or canceled flights), getting sick abroad is, unfortunately, a possibility—and one you’d be well-advised to insure yourself against.

While getting a basic prescription for medicine in Japan is generally affordable out of pocket, more serious medical considerations like hospitalization or transport back home can easily run into the thousands of dollars (US). Having a travel insurance policy can give you some peace of mind, and is something most travel experts recommend. We may be Cheapos, but we believe in playing it safe.

Do I really need travel insurance for Japan? I heard it is one of the safest countries in the world.

Good point. Japan is ranked as one of the safest countries in the world, with extremely low reported crime rates. But, while you may not have to worry too much about your stuff getting stolen, there are other things to consider, besides falling ill.

For example, Japan is frequently hit by typhoons . The typhoon season generally runs from late July to early October, but has started earlier and finished later in recent years. A big typhoon can lead to canceled flights, long delays or canceled trips and tours. There are also earthquakes and other concerns .

Aren’t delayed flights and lost luggage covered by airlines?

Almost all airlines will reimburse you for lost and delayed luggage, as well as canceled flights. But you’ll need to check the conditions on your ticket carefully, to be sure. While most travel insurance policies offer this as part of the package, you probably don’t need to double-insure yourself on this.

But things become fuzzier for your trip overall; think about the bullet train tickets and tours you might book in Japan. While you can often get refunds for tours canceled due to bad weather, you might be stuck with hotel and transport bookings that you don’t need anymore if your tour is called off. Many travel insurance policies click into gear in this case.

COVID-19, Japanese encephalitis and other health concerns

In light of the coronavirus (COVID-19) pandemic, many travelers are understandably worried about their upcoming travel plans. More on that below.

An older concern is Japanese encephalitis, which can be contracted via mosquito bites across most of Asia—not only in Japan. Luckily, it is extremely rare. It is estimated that less than one in a million travelers to Asia will contract the disease, and for most humans, it will be asymptomatic. A vaccine is available, but only recommended for those who will stay longer than one month in high-risk areas. Generally, bug-bite prevention is recommended as a first-line defense.

Other than that, it’s generally advisable to check that all your vaccines are up to date before embarking on your Japan trip.

Travel insurance and cancelations due to COVID-19

You might be wondering if your insurance covers cancelations due to COVID-19. In short, it will vary depending on your insurance provider. As always, check with your travel insurance provider and read the fine print and special conditions carefully. Never assume anything!

Travel insurance for Japan: What should your policy cover?

Generally speaking, the biggest items when it comes to travel incidents are medical expenses and emergency evacuations, which can run into the tens and even hundreds of thousands of dollars. So check that the Japan travel insurance or Japan travel health insurance policy you sign up for provides enough cover to make you feel comfortable.

Keep in mind that medical expenses really are for unforeseen situations and emergencies like accidents, or getting sick on the road. Medical tourism, check-ups or preventative treatments are usually not covered.

Anything else you might want to add to your travel insurance policy for Japan depends on what your itinerary looks like.

Comparing Japan insurance options for different types of travelers

Just a quick note before we get into it (another disclaimer): Always read the policy wording for any insurance very carefully before signing up. Terms and conditions can change over time, and also differ depending on factors like your age, country of residence, or how high you want your cover to be. 

We can’t recommend one best Japan travel insurance policy for everyone because we all travel differently, but we hope this overview is a starting point for you to find travel insurance for Japan that suits you, personally, best. Also, prices are subject to change.

Travel medical insurance: SafetyWing

SafetyWing offers travel medical insurance at affordable rates, starting from approximately US$42 for four weeks, for travelers under 40.

What is different about their plan is that you can extend it indefinitely, until it reaches the maximum of 364 days — after which you can renew your policy. This makes it an interesting choice for long-term travelers and digital nomads. SafetyWing rolled out their travel medical insurance a few years ago and recently added other health insurance products for those without a fixed residence in one country.

A bonus is that you can kick off your SafetyWing travel medical insurance plan any time, even when already on the road . Besides emergency medical, their policy also covers the travel basics, including trip interruption, personal liability and lost luggage. Since August 1, 2020, SafetyWing has also covered COVID-19, and from April 15, 2021, unplanned quarantine is covered, too.

While it may be a fairly new kid on the insurance block, founded in 2017, SafetyWing is underwritten by Tokio Marine, one of the biggest underwriters in the world.

Another option for Southeast Asians: FWD

If you are from Singapore, Thailand, Vietnam, Malaysia, Indonesia, Hong Kong , Macau, Cambodia or the Philippines, you might want to take a look at FWD for travel insurance. Another fairly new insurer, they are expanding throughout Asia and seem to offer some of the cheapest plans we could find online, starting from approx. ¥ 2,200 for a single trip to Japan.

Their plan ticks all the usual travel insurance boxes, including medical evacuation cover, which is unlimited. It also seems to cover skiing—but confirm this with them.

Two other Japan travel insurance options: Atlas International and Travelex

Starting at approximately ¥ 1,800 for a two-week trip to Japan, Atlas International is available to citizens of most countries. They offer you the option to play with the sliders, so you can e.g. add a deductible to bring down the premium or push up the cover if you are happy to pay a bit more.

Travelex has been around for quite a while and is a popular choice with North Americans. They have a good reputation and their starting rates are affordable; however, their medical expense cover for US citizens might be a bit low, depending on your needs.

Japan travel insurance comparison chart

Here is a quick, rough comparison of the different insurers we’ve mentioned that offer cover for trips to Japan for global citizens. Remember, all prices are approximate and subject to change and will vary depending on your age, country of residence, length of stay and specific circumstances! Where basic vs. extended plans were available, we picked basic for the sake of comparison.

Scroll to see all the options, if they don’t show up on your screen.

Coverage overview

This is intended as a very brief overview only. Always check the coverage and T&Cs carefully on your own!

Notes on the insurers: Allianz Travel offers three different levels of coverage from Bronze to Silver, with varying premiums and covers. Available to residents of Singapore. --> SafetyWing has a higher premium for those over 39 years of age. Travelex is a US insurer, but available for global citizens. Conditions may vary by country of residence, age and—notably—the total value of your trip that you want to insure. FWD is available to citizens of 10 Asian countries and regions: Singapore, Malaysia, Cambodia, Indonesia, Vietnam, Thailand, the Philippines, Hong Kong, Japan and Macau, though the available insurance products differ by location.

You ask, we answer.

Is travel insurance required for Japan?

Generally, no—travel insurance is strongly recommended , rather than required, for Japan.

How much is travel insurance to Japan?

The cost of travel insurance for Japan depends on which provider you use for your policy. As a rough guide, it can range from ¥ 1,000 to ¥ 8,000 for a one-week trip, depending on your age, place of residence, itinerary, and preferences.

If you are under 40, a month-long travel medical insurance policy through SafetyWing will set you back approximately ¥ 4,700 , or 42 USD. It’s a good idea to compare multiple policies to work out which is the best deal for your visit to Japan.

What’s the best travel insurance in Japan for foreign residents?

If you are a foreign resident of Japan, looking for travel insurance for your upcoming trip OUT of Japan, you have access to the insurance providers listed above, as well as local providers. If you have a Japanese credit card , you could start by asking whether any travel insurance is provided through that, and go from there.

Post first published in February, 2020. Last updated in December, 2021.

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FAQs for Filipino Travelers to Japan following the changes in entry guidelines beginning October 11, 2022

Beginning October 11, 2022, Japan has opened up for individual / independent travel, as well as loosening some border control measures for travelers. We are posting here some Q&As specific for Filipino Travelers to Japan. We hope that the information below will help you prepare for your trip to Japan.

Frequently Asked Questions (Last Updated on 11 October 2022)

Can I visit Japan on my own now?

Yes, beginning October 11, 2022, FIT or individual travel will be allowed. Tourists are no longer required to avail of guided / unguided tour packages to visit Japan.

Is the Philippines a visa-free country?

No, the Philippines is not part of the 68 visa-exempt countries / regions . Filipinos are still required to possess a visa when they visit Japan.

Can JNTO help me with my visa application?

No, since JNTO is a separate organization from the Embassy of Japan in the Philippines. The Embassy has full control over the visa process. The visa information we report is from the Embassy's  Visa/Consular website , so please check their website occasionally for updates regarding the visa process. You may course your visa application through any one of the Embassy's accredited agencies .

Can I use my existing multiple entry visa to visit Japan?

Yes, beginning October 11, 2022, the multiple entry visa's suspension has been lifted, so unexpired multiple entry visas can be used to visit Japan. Please check the Embassy's Visa/Consular website for updated information.

My unexpired multiple entry visa is in my old passport. Can I still use it?

Yes, as long as your multiple entry visa is not yet expired, you just need to bring your old passport with you when you visit Japan. Please check the Embassy's Visa/Consular website for updated information.

My multiple entry visa expired before October 11, 2022. Can I apply for a new one?

Yes, the Embassy of Japan in the Philippines started accepting visa applications of all types beginning October 4, 2022. You may course your visa application through any one of the Embassy's accredited agencies .

I had a multiple entry visa but I went to Japan recently using a single entry ERFS visa. Can I still use my multiple entry visa?

No, because the multiple entry visa was cancelled when you were issued a single entry ERFS visa. You will have to apply for a new visa. Please check the Embassy's Visa/Consular website for updated information.

I want to join a package tour. Does my visa application still have to go through the ERFS?

No, because beginning October 11, 2022, the Certificate of Registration to the Entrants, Returnees Follow-Up System (ERFS) will no longer be required. The visa application process will be like how it was before the COVID-19 pandemic. You may visit the Embassy's Visa/Consular website for more details.

Can I enter Japan even if I am unvaccinated / partially vaccinated / vaccinated with vaccines that are not recognized by the Japanese Government?

Yes, as long as you take a valid RT-PCR test within 72 hours before your departure to Japan, and must present a negative result before boarding your flight.

Is it still required to take an RT-PCR test before entering Japan?

No, as long as you have a valid vaccination certificate , which can prove that you are fully vaccinated with vaccines that are recognized by the Japanese Government. If the vaccination certificate does not fulfill all of the conditions, then you have to take a valid RT-PCR test within 72 hours before your departure to Japan, and must present a negative result before boarding your flight.

Can I use the vaccination certificates I got from the Local Government Unit (LGU)?

No, because  VaxCertPH and the Bureau of Quarantine - International Certificate of Vaccination (BoQ ICV) are the official vaccination certificates from the Philippines that are recognized by the Japanese Government. Vaccination cards provided by the local government cannot be used.

I am fully vaccinated with booster/s using vaccines that are recognized by the Japanese Government, but my VaxCertPH certificate has some missing doses. Can I still use this?

No, because the vaccination certificate should show a minimum of three doses. Please ask VaxCertPH to fix this for you. In the event that fixing the details in your VaxCertPH document is not possible before your flight, you will instead have to take a valid RT-PCR test within 72 hours before your departure to Japan, and have to present a negative result before boarding your flight.

My first two doses are in one VaxCertPH certificate, while my booster/s are in another VaxCertPH certificate, so I have two VaxCertPH documents. Can I use both?

No, because there should only be one VaxCertPH document to be used as an official vaccination certificate. Please ask VaxCertPH to fix this for you. In the event that fixing the details in your VaxCertPH document is not possible before your flight, you will instead have to take a valid RT-PCR test within 72 hours before your departure to Japan, and have to present a negative result before boarding your flight.

I was vaccinated with Sinovac. Do I still have to take an RT-PCR test?

No, as long as you possess a valid vaccination certificate . Sinovac is one of the vaccines found in the World Health Organization's Emergency Use List, which the Japanese Government started using beginning October 11, 2022.

I was vaccinated with Sputnik V. Do I still have to take an RT-PCR test?

Yes, because Sputnik V is NOT found in the World Health Organization's Emergency Use List, which the Japanese Government started using beginning October 11, 2022. You will have to take a valid RT-PCR test within 72 hours before your departure to Japan, and have to present a negative result before boarding your flight.

Do my children have to take an RT-PCR test before we enter Japan?

• Children (under 18 years of age) who possess valid vaccination certificates are NOT REQUIRED to obtain a negative certificate of testing for COVID-19 conducted within 72 hours before departure.
• For children (under 18 years of age) without a valid vaccination certificate: if they are accompanied by a guardian / parent with a valid vaccination certificate and the said guardian / parent will supervise them, the children will be treated as holders of valid vaccination certificates, and submission of the negative certificates is exempted the same as the guardian as an exception.
• If children (under the age of 18) without vaccination certificates enter Japan by themselves (without being accompanied by a guardian / parent with a valid vaccination certificate), they are not eligible for the above exception. They must take a valid RT-PCR test within 72 hours before their departure to Japan, and they have to present a negative result before boarding their flight.
• In case the accompanying guardian / parent does not hold a valid vaccination certificate and enters Japan with a negative certificate, preschool-aged children (generally under the age of 6) are not required a negative certificate.

You may learn more in the MHLW's Q&A on the New Border Measures  guide.

Is travel insurance still required when visiting Japan?

Travel insurance is not required, but we highly recommend purchasing travel insurance for your trip to Japan. There is no set amount on how much, but the travel insurance should cover for medical expenses related to COVID-19 (among other coverage and services) during your stay in Japan. This may help shoulder medical costs in the event that you contract COVID-19 while in Japan.

Do I need to take an RT-PCR test when I leave Japan for another country after my visit?

Japan's infection control procedures are only applicable upon entry to Japan. Exiting Japan for another country will be subject to the next country's infection control procedures, so please check the entry requirements for the other country before departing from Japan.

For a more detailed look at the general guidelines, we encourage you to visit JNTO's special website designed for travelers who wish to visit Japan during this time. The website contains step-by-step guides on preparing for your trip to Japan.

We hope to see you again in Japan!

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International Travel Insurance

We have selected the right insurance products that match your needs. Here are our recommended plans with emergency medical treatment including COVID-19 coverage for international travels.

Get 20% OFF on Travel Insurance during the BDO Travel Sale from April 11 to 28, 2024. 

All travel insurance plans below are inclusive of travel inconvenience benefits and 24/7 Emergency Travel Assistance Hotline.

Choose your plan

Plan A (Asia except Japan)

Includes COVID-19 coverage and up to ₱500,000 Emergency Medical Treatment Benefit . For up to 75 years old, with trip duration of up to 90 days.

Sample Premium:

4-day southeast asia - ₱350.

Plan A (Worldwide)

 15-Day USA -  ₱917

Plan B (Asia except Japan)

Includes COVID-19 coverage and up to ₱1.5M Emergency Medical Treatment Benefit . For up to 75 years old, with trip duration of up to 90 days.

4-Day Southeast Asia -  ₱463

Plan B (Worldwide)

Includes COVID-19 coverage and up to ₱1.5M Emergency Medical Treatment Benefit. For up to 75 years old, with trip duration of up to 90 days.

15-Day USA - ₱1,264

Plan C (Worldwide)

Includes COVID-19 coverage and up to ₱1.5M Emergency Medical Treatment Benefit. For infants 14 days to adults 70 years old, with trip duration of up to 184 days.

15-day USA- ₱1,898

Plan D (Worldwide)

Includes COVID-19 coverage and up to ₱1M Emergency Medical Treatment Benefit. For infants 14 days to adults 80 years old, with trip duration of up to 365 days.

15-Day USA -  ₱1,628

Disclaimer: These are only general descriptions of the benefits of the insurance products. We encourage you to learn more on how they can help secure your finances. The terms and conditions of the insurance products will apply. The product details and premiums are valid as of today and may be changed without prior notice. 

Things to know before buying

When should i purchased the travel insurance.

Insurance must be purchased for at least four (4) hours before your departure flight.

I tested positive for COVID-19. May I file a claim for a trip cancellation?

No. The COVID-19 coverage applies only to Emergency Medical Treatment, Emergency Medical Evacuation and Repatriation of Mortal Remains.

If I get infected with COVID-19 virus while on trip, but developed only mild symptoms requiring no admission but endorsed to self-quarantine, can I reimburse cost of accommodation and expenses on medicine?

Only expenses incurred for medical treatment/confinement in a hospital are covered. Cost incurred for self-quarantine at home or in a hotel are not covered.

I heard that I need special coverage to get a Schengen visa. Can I get it from you?

The Worldwide 2.5M Plan meets the insurance requirements of Schengen embassies in the Philippines. Click here to purchase 2.5M Plan 

How do I make a claim?

Contact us at +63 (2) 8838-2364 or email [email protected] and we will guide you through process. We work for you. We assist you every step of the way, from start to finish. We deal with the insurer on your behalf.

We do the legwork for you every step of the way

Your Security and Protection from Financial Loss

We help you identify, assess, and manage your risks. 

Your Peace of Mind and Financial Well-Being

We work for the payment of your benefit and claims according to the terms and conditions of your policy.

Your Convenience

We do the legwork to save you time and effort evaluating insurance products.

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訪日外国人向け保険・インバウンド保険

TOKIO OMOTENASHI POLICY | Tokio Marine & Nichido

Overseas travel insurance for foreigners visiting japan (even if you are a japanese national returning to japan temporarily) for up to 31 days., = insurance for visiting japan =.

Chinese(Simplified) | Chinese(Traditional语言) | 한국 | 日本語

What is TOKIO OMOTENASHI POLICY?

TOKIO OMOTENASHI POLICY  is an overseas insurance policy in case of sudden illness or injury for foreigners visiting Japan and or Japanese national’s returning to Japan temporarily for up to 31 days that can be purchased online.  (Insurance can be purchased online).

If you need to see a doctor or hospital care is necessary the insurance company should be contacted and your medical expenses will be paid directly from the insurance company to your caregiver. (Cashless)

TOKIO OMOTENASHI POLICY is easy and reasonably priced because it is specialized for illness and injury, the premium is less expensive than general overseas travel insurance. (Easy and Reasonable). 　　　　　　　　　　　　　　　　　　　　 In addition by using the dedicated application, you will be able to use support functions for certain troubles and natural disasters that might occur during your stay in Japan.

( You can easily contact the insurance company via the app)

Click for Apprication ↓↓↓↓↓↓↓↓↓

For example, if something like this happens…

Sudden illness… Prepare for sudden illness during your stay in Japan.

Unlike your everyday life, the environment and food changes when you travel may or may not have an effect on your health.

Even if you are a foreign national that is  accustomed to eating Japanese food and enjoy eating other local dishes or unusual foods that you have never seen before. It could be a difference in temperature or many other things that may affect your health.

We are no longer in a era where we can say,  “That will never happen to me so I’m fine”

We are also prepared for the new type of Coronavirus (Covid-19)

Unexpected injury… You were supposed to be enjoying yourself…

Covers injuries that occur during sports such as skiing

Traveling is a fun time, but injuries that occur during such times are common occurrences.

But, you also need to be careful about injuries that may occur during sports such as skiing.

Injuries that occur during these times are normal, but you should also be careful about injuries that occur during sports such as skiing.

Injuries may also occur during normal, everyday life. We provide coverage for injuries caused by sudden, accidental, and outpatient accidents.

Expensive medical bills… No way Why me …

In some cases, hospitals won’t accept medical examinations…

Foreign travelers and others who do not have health insurance.  (100% self-payment).

There are cases where you will be charged an outrageous amount of money… It is very common.

Credit cards are not accepted at hospitals… you have to pay in cash.

Even medium-sized hospitals such as municipal hospitals and city hospitals do not accept credit card payments.

Also smaller clinics are known not to accept credit card payments.

The insurance company will pay directly to the hospital or pharmacy

By contacting us before you go to the hospital, we contact the hospital first. We will contact the hospital before you go to the hospital so that you can concentrate on your treatment.

Please be aware that foreign visitors who fail to pay their medical expenses may be denied entry into Japan in the future. Japan National Tourism Organization (JNTO)

Non-payment of medical treatment by foreign travelers in Japan has become a problem, and the government has taken such measures.

Of course, Japanese nationals are no exception.

Incidental Services

The following services are also included in the package…

Lost or stolen passport or credit card…

Traveling is always fraught with problems, but there are some things you should never lose. (Available in a variety of languages)

Internet connection lost…

We provide information on useful apps for using public Wi-Fi provided at tourist spots. We provide information on useful applications (with free Wi-Fi functionality for an unlimited period of time)

Insurance Amounts

Coverage item: medical treatment and transportation expense coverage (for foreign visitors to japan).

Covers medical treatment expenses for sudden illness or injury.

If you contact the insurance company before going to the hospital, the insurance company will pay the treatment expenses directly to the hospital. (To contact the insurance company, you need to install the application.)

　10,000,000 yen (including covid-19 infection)

　　　　　　　　　　　　　　　　　　　　　　 Rest assured that 100% of your expenses for medical treatment, medicine, hospitalization, surgery, and medical transportation to your home country will be covered up to 10 million yen.

Insurance Premiums

Insurance premiums vary depending on the period of insurance.

Please check

There are some important points to note.

About the insurance period

The insurance period is from the day after the date of application or the day of entry into Japan , whichever is later, to the day of completion of departure procedures from Japan.

Example: ① If you apply after entering Japan and apply today, set tomorrow as the insurance start date.

Example: ②Even if someone in Japan applies, depending on the country of departure, someone arriving tomorrow or later may not be able to apply.

(Please apply after entering Japan)

If you are staying in Japan for more than 32 days. (You need someone living in Japan. You can not buy Insurance by yourself) >> Click Here <<

What if it happens outside of Japan?

This insurance policy covers medical and pharmaceutical costs arising from injuries or illnesses occurring in Japan, as well as the cost of repatriation of the patient to his/her home country.

(Accidents outside of Japan are not covered.)

The required documents

Since enrollment is completed online, there are no documents required.

However, please be aware that you may not be able to use the insurance if you make a false declaration.

Common example: 　An application was submitted more than 5 days after entry to Japan, but an error occurred, so an incorrect date of entry was entered and insurance was purchased. 【The insurance cannot be used】

Can I apply from abroad?

The application site can only be accessed from within Japan, Hong Kong, China, or Korea.

How can I confirm the operation of the screen before I leave Japan? >> Click Here <<

↓↓↓ Click the banner to apply ↓↓↓↓

<Recommended Environment>

PC Microsoft Windows 7, 8, 8.1: Internet explorer 11.0 or higher, latest version of chrome Microsoft Windows 10 : Internet explorer 11.0 or higher,  Microsoft Edge ,  the latest version of chrome

Smartphones and tablets Android 4.4 or later:  Latest version of chrome iOS 8.4 or later:  Latest version of safari

Please note that there are some cases where  Firefox cannot be used.

For those who cannot proceed to the TOKIO OMOTENASHI POLICY application page >> Check this page <<

If you have any questions, please contact us by e-mail. mail:  [email protected]

Underwriting Insurer Tokio Marine & Nichido Fire Insurance Co.

Handling agency OFFICE21 Co., Ltd.

This homepage provides an overview of the insurance policy. Please be sure to read the “Explanation of Important Matters” carefully before you make a contract. If you have any questions, please contact our agent.

Best Three Travel Insurance Options For Japan in 2024

Jarrod Suda

A writer and editor at Monito, Jarrod is passionate about helping people apply today’s powerful finance technologies to their lives. He brings his background in international affairs and his experiences living in Japan to provide readers with comprehensive information that also acknowledges the local context.

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

With its cherry blossoms, UNESCO-protected cuisine, and countless shrines and temples, Japan is a travel destination that has enchanted tourists from around the world. The country also boasts a superb healthcare system.

If you face a medical emergency during your Japanese travels, you’ll be in good hands. Still, it’s worth arriving in Japan with travel insurance so that you can visit their world-class hospitals, health clinics, and emergency services anytime with peace of mind. Japanese hospitals and clinics will not accept foreign health insurance and will require you to pay out of pocket unless you have travel insurance for Japan.

Online global insurance companies (known as 'insurtechs') like SafetyWing , VisitorsCoverage , and Insured Nomads specialize in low-cost Japanese travel insurance and in other countries worldwide. In our list below, we explore the three services we believe provide the best deals for young travellers, adventurous backpackers, holidaymakers looking for wide but affordable coverage, and families or groups.

Japan Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Japan:

Top Three Travel Insurances for Japan

• 01. Is travel insurance mandatory for Japan? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best coverage for youth: SafetyWing scroll down
• 04. Best travel and medical combo: Insured Nomads scroll down
• 05. FAQ about travel insurance for Japan scroll down

Heading to Japan soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn Japanese? italki is an excellent way to take one-on-one online lessons.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Is Travel Insurance Mandatory For Japan?

No, there's currently no legal requirement to take out travel insurance for travel to or through Japan.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Korea or anywhere else. For what's usually  an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the  top five reasons to get travel insurance  to learn more.

With that said, here are the top three travel insurances for Japan:

1st: VisitorsCoverage (Best Health Coverage)

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Japan. It lets you choose between various plans tailored to meet the specific needs of your trip to Japan, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies, and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Japan:

• Plan : Seven Corners Travel Medical Choice
• Price : $46.50 /traveler /month
• Add Canada and US Coverage: N/A
• Term Duration : Customizable
• Coverage : This plan covers most medical treatment, including emergency dental treatment, repatriation, eye exams prescription medication, and COVID-19 coverage.
• Deductible : Customizable ($0 - $5,000)
• Remove Deductible: Add $12 /month
• Maximum Limit : Customizable ($50,000 - $5,000,000)
• Best For : For online-savvy travelers, VisitorsCoverage plans are an excellent choice for comprehensive health coverage. With its flexibility in terms of duration and cancellation, it can be a hassle-free solution for those who need reliable travel insurance.

2nd: SafetyWing (Best For Youth)

Regarding petty crime, infrastructure, and accessibility to medical services, Japan is considered a very safe country. On top of this, young people are the least likely age group to sign up for a travel medical insurance policy (usually due to high costs). 

However, travel delays can happen to anyone. Japan is geographically prone to natural disasters, which is why low-cost travel insurance may be worthwhile for young tourists.

SafetyWing is an online travel insurance provider geared toward younger age groups known to offer some of the cheapest international travel insurance policies on the market . They even focus on insuring digital nomads and companies with remote teams. No matter where you are flying in from, SafetyWing stands out as an excellent choice for Japan travel insurance.

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers one standard plan for international travellers although their pricing differs by age group. Below, we focus on the youth category (10 to 39 years old) as we believe this is where SafetyWing's offer really sets itself apart.

• Plan: Insurance for nomads
• Price: Starting at $45.08 /traveler /month
• Term Duration: Up to 364 days
• Eligibility: Between 10 and 39 years (for the basic plan), you cannot travel in the US during your trip.
• Coverage: SafetyWing's basic travel is comprehensive and includes both medical- and travel-related benefits. A few highlights include COVID-19 coverage¹, hospital, ICU, and ambulance coverage², emergency dental coverage, physical therapy and chiropractic coverage, travel interruption and delay coverage, evacuation (medical or emergency political) coverage, and lost luggage up to $3,000.
• Deductible: $250
• Maximum Limit: $250,000
• Best For: Because of its low costs and low barrier to entry (you only need to sign up online ⁠— which you can even sign up when you're already travelling), we think SafetyWing is the best travel insurance for Japan for younger travellers looking to keep costs low while still getting decent coverage. 

If you're older than 39 years or you're looking for more coverage and don't mind paying a higher price, then we recommend looking at the options below.

¹ Covers testing and quarantine under certain conditions ² High-risk sports, pre-existing conditions, and cancer treatment aren't covered.

3rd: Insured Nomads (Best Trip & Medical Combined Coverage)

Aimed at nomads, couples, families, and groups who frequently travel abroad, Insured Nomads is another extensive insurtech platform offering travel insurance for Japan that's ideal for both medical and non-medical coverage. The minimum policy length is one year and is ideal for those who decide to stay in Japan for an entire year and for those who take frequent short-term trips in and out of their home country.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers a wide range of travel insurance policies, including a larger scope of medical-related coverages than the other providers in this article. This includes telemedicine, mental health coverage, airport lounge access, VPN for cyber security protection , and other membership benefits.

We detail Insured Nomads' basic travel insurance plan for Japan below:

• Plan: Travel Insurance World Explorer
• Price: From $86 to $114 /traveler /month
• Term Duration: One trip of between 7 and 364 days
• Eligibility: You cannot travel to Japan via Cuba, Iran, Syria, Sudan, North Korea, or the Crimea region
• Coverage: This plan offers a fairly comprehensive set of medal benefits and coverage for a basic Japan travel insurance plan. These include online consultation (telemedicine), medical, emergency, and accident coverage, Covid-19 coverage¹, outpatient and inpatient care, medical transportation coverage, evacuation and repatriation, life insurance, adventure sports and marine activity coverage, electronics, camera, cellphone, and sports equipment coverage, flight delay provisions.
• Deductible: $0, $100, $250, or $500 based on selection
• Maximum Limit: $250,000, $1,000,000, or $2,000,000 based on selection
• Best For: Although the most expensive of the plans we've looked at so far, we think Insured Nomads gives the best combination of medical and travel-related coverage, making it an ideal option for travellers to Japan looking for comprehensive benefits. (Insured Nomads also offers an even more comprehensive global health insurance plan for expats for those who plan to live in Japan for an extended period of time.)

¹ Coverage does not apply if travelling to a country with a Covid alert level of Level 4.

FAQ About Travel Insurance for Japan

No, you won't be required to get a travel insurance policy for Japan. However, we encourage you to do so because Japan does not accept foreign health insurance. Without travel medical insurance for Japan, you will have to pay the full cost of any medical treatment you receive.

As of March 31st, 2022, Japan has continued to close its borders to tourists. On February 24 2022, however, foreign nationals for diplomatic, business, and other authorized reasons became allowed to travel to Japan.

In the case of SafetyWing , costs start at $42 per month. The basic plan with VisitorsCoverage costs around $34.50 per month, and Insured Nomads ' main plan costs $84 per month.

Yes, foreigners can buy travel insurance and travel medical insurance while in Japan. However, only legal residents and citizens can obtain coverage with national Japanese health insurance.

Yes, with many insurers, you can purchase travel insurance for Japan even while you are in the middle of your trip. This is the case for SafetyWing , VisitorsCoverage , and Insured Nomads .

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of having to cover those costs yourself in case you need medical attention during your stay.

Yes, foreigners can open a bank account in Japan but only if they are legal residents of the country. You must present a government-authorized Japanese residence card in order to open a bank account in Japan. You may not open a bank account in Japan with a tourist visa.

Read our guide on how to learn fluent Japanese , just in time for your travels.

Other Guides About Japan and Travel Insurance

References Used in This Guide

Washoku. UNESCO.org . Accessed 31 March 2022. Healthcare in Japan for Tourists. Live Japan . 26 June 2020. Description of Coverage. SafetyWing . Accessed 31 March 2022. Travel Insurance Insurance Product Information Document. Insured Nomads . Accessed 31 March 2022. Measures for Resuming Cross-Border Travel. Ministry of Foreign Affairs of Japan . 25 March 2022.

Why Trust Monito?

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Travel Insurance

Before your trip, make sure to get travel insurance that offers coverage for medical expenses incurred due to injury or illness in Japan and for repatriation to the Philippines in case of an accident/emergency. You can get such service for as low as 1,540 JPY (est. ₱700).

Work Restrictions

Any foreign visitor entering Japan must have a valid passport for the duration of their stay, and all visitors must comply with the conditions of their visas.

Foreign nationals wanting to work in Japan require an appropriate working visa. Japan visa requirements clearly state working or engaging in any paid activities on a short-term stay or tourist visa is strictly forbidden.

Lost Passport

If your passport was stolen, you are advised to report the loss/theft to the local Japanese Police Station and obtain a police report. In case it was lost, be sure to check all possible locations and places you have previously visited before having a new one processed. Inform the closest Philippine Embassy/Consulate General about the issue or visit this page for more information.

For lost belongings:

• Tokyo Metropolitan Police (Lost and Found) Website | 03-3814-4151
• JR-EAST Customer Center (Lost and Found) Phone support service for foreign visitors lost-and-found Website | 050-2016-1603 (Daily except New Year’s holidays, 10:00am-6:00pm)
• Tokyo Metro Lost & Found Center Website | 03-5227-5741 (Daily, 9:00am-8:00pm)
• Toei Transportation Customer Center (Lost and Found) Website | 03-3816-5700 (Daily, 9:00am-8:00pm)
• Narita Airport (Lost and Found) Website | 0476-34-8000 (Open 24 hours a day, 7 days a week) If you do know where you lost the article, please check the website link for more information on more specific contact numbers
• Haneda Airport (Lost and Found) Website | 03-5757-8107 (Daily, 9:00am-8:00pm)

To report a crime or accident:

• Tokyo English-Speaking Police 03-3501-0110 (Translation available 24 hours every day)
• Police Consultation in English 03-3503-8484 (Mondays-Fridays, 8:30am-5:15pm)

For Travel Insurance concerns:

• Tokio Marine Nichido Customer Center Website

For Medical Support:

• AMDA International Medical Information Center Offers services for tourists who need medical assistance in Japan, Available in English and Tagalog. Website | 03-5285-8088
• Japan Medical Educational Foundation Search engine for medical institutions. Available in Japanese only. Website
• Himawari (Tokyo Metropolitan Medical Institution Information Service) Medical information for residents of Tokyo. Available in English and Tagalog. Website | 03-5285-8181 (Daily 9am-8pm)
• Japan National Tourism Organization (JNTO) A guide for foreigners who are feeling ill in Japan. Available in English. Website | 050-3816-2787 (Open 24 hours a day, 7 days a week)

A guide when you have to see the doctor during your visit in Japan:

In this section:

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Recent Posts

• Philippine Embasy Celebrates Filipino Food Month With Homage To The Youth and Filipino Home Cooking Sunday April 28th, 2024
• Philippine Governors Undertake Study Visit in Japan on Smart Cities, Agriculture, and Disaster Risk Reduction and Management Friday April 26th, 2024
• Consular Outreach Mission in Miyagi on 12 May 2024 Monday April 22nd, 2024
• H.I.H. Princess Hitachi Visits the Philippine Booth at the 2024 Charity Bazaar of the Asia Pacific Ladies Friendship Society (ALFS) Friday April 19th, 2024
• Job Vacancy: MWO-Tokyo Driver-Interpreter Tuesday April 16th, 2024
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How to Buy Affordable Travel Insurance Online (PGA SOMPO TravelJOY Plus – Philippines)

It’s a question we get all the time in varying forms: Is travel insurance really necessary? Kailangan ba talaga ng travel insurance?

And our resounding answer is always the same: YES!

It’s easy to dismiss insurance. When planning a trip, we only picture ourselves having a blast, with everything running smoothly. We don’t really (want to) think about accidents, illnesses or untoward events. Most of the time, we don’t feel it because you don’t need to use it. But that’s exactly the point. Travel insurance is that one thing you wish you won’t have to use, but when something unfortunate happens, you’d be thanking the heavens that you have it. Because, guess what, when traveling, things don’t always go as planned.

Bad things can happen when traveling. We know travelers who met a severe accident in Taiwan, who lost their baggage in Europe, and who were terribly inconvenienced by flight delays. We don’t even need to look far. One of our close friends was rushed to the hospital after his appendix suddenly burst with no warning in Thailand. And we, ourselves, have been robbed while on the road.

So yes, without question, we always recommend getting a travel insurance. But how do you find one that is easy to get and easy on the pocket?

Thankfully, getting a budget-friendly insurance is now more convenient than ever before. PGA SOMPO , a joint venture of the two of the most trusted insurance companies in the Philippines and Japan, brings you TravelJOY Plus . And it’s collaborating with The Poor Traveler to make travel insurance more affordable and more accessible to the readers of this blog.

By visiting the PGA Sompo page and using the code WORTHIT , you can get a special affordable rate on your TravelJOY Plus insurance.

Whether you’re traveling in or out of Asia or you’re applying for a Schengen visa , you can use this code to score a special rate on TravelJOY Plus products.

If you need more help, here’s our step-by-step process on how you could easily purchase an affordable policy online.

WHAT'S COVERED IN THIS GUIDE?

1. Visit the TravelJOY Plus website.

You can find it right here .

You’ll be greeted by a short form asking for the following information:

• Trip type (single or annual multi-trip): If you need a policy for just one trip, choose SINGLE . (If you’re traveling a lot, consider the ANNUAL MULTI-TRIP option, which covers the trips you make for the entire year.)
• Package: Choose INDIVIDUAL .
• Destinations: Enter ALL the countries or territories that you intend to visit. The system will choose the appropriate plan for you, depending on the countries you select. For example, if you enter a country within the Schengen Zone, the system will automatically detect that you need a plan that meets the Schengen visa requirement and is accredited in that country.
• Depart Date: the date you’re leaving your usual residence for the trip.
• Return Date: the date you’ll arrive at your usual residence after the trip.
• Number of Travelers: You can choose up to five. If you’re a bigger group, you may book another batch.
• Promo/Product Code: Enter WORTHIT to avail of a special rate.

Once the form is filled out, click GET QUOTE .

2. Pick the plan that suits your budget and requirements.

On the next page, you’ll be presented with your options. In most cases, you’ll have three options: BUDGET, STANDARD, and SUPREME. Check out the corresponding benefits in the column under each plan.

Note that the system automatically filters out the plans that don’t apply to the countries you entered in the previous page. For example, if you enter any Schengen country — say, France or Italy — it will show you only one plan, SUPREME, because it’s the one that is acceptable to the Schengen embassies. It’s pretty smart and savvy!

Note: The price varies depending on the destination countries and the duration of your trip.

Once you’ve made up your mind, click in SELECT (if the plan you choose isn’t highlighted yet) or BUY NOW .

3. Enter your personal information.

The next page will show you a form. Input your personal details correctly.

You’ll find two (3) main sections here: the Applicant, the Insured Person(s), and the Beneficiary.

Under the Applicant Details part, type in your information. If you’re a group, only one needs to fill it out. Below it are the fields for the insured persons, which can be up to 5 heads. If you, the applicant, is part of the party to be insured, you may just tick the “ Copy Applicant details to Insured Persons ” button to automatically duplicate your answers and avoid typing them all over again.

Here are some of the details needed:

• contact number
• email address
• nationality
• ID type and number

Towards the bottom, you’ll find a short form about your beneficiary. Enter their details. This is optional, though. If you leave it blank, it will automatically consider “Succession of Law”.

Agree to the Terms and Conditions as well as the Privacy Policy , and click CONTINUE .

4. Pay for your policy.

You will be redirected to the PesoPay Payment Service . Don’t freak out if the look and feel of the page changes. PesoPay which is the official payment partner of PGA SOMPO.

It will list down the available payment options, which are:

• Visa or MasterCard credit card or debit card
• BDO (over the counter)
• RCBC (over the counter)
• Bayad Center

Click on the logo of your chosen payment method.

If via card, you’ll be required to enter your credit card or debit card details.

If via GCash, you’ll be required to log in to your GCash account.

Once payment is complete, the screen will display a Transaction Result. Save or take a screenshot of it before moving on.

Then click CONTINUE . It will take you back to the PGA SOMPO website with a summary of your purchase.

5. Save your Confirmation of Cover.

Check your email, where you’ll receive a copy of the Confirmation of Cover (COC).

It looks like this:

Keep a copy of it or print it out as needed.

FREQUENTLY ASKED QUESTIONS

Is travel insurance required when traveling abroad.

That depends on your destination country or territory. Some countries do require a travel insurance in their visa application process. The best example of that is the Schengen visa, used to enter these 27 European states:

Austria Belgium Croatia Czech Republic Denmark Estonia Finland France Germany Greece Hungary Iceland Italy Latvia Liechtenstein Lithuania Luxembourg Malta Netherlands Norway Poland Portugal Slovakia Slovenia Spain Sweden Switzerland

Some countries and territories may also require travel insurance upon entry, so best to double check with the respective embassy to be sure.

For many others, insurance is not required. But even so, we urge you to get one and be protected. Just because it’s not required in your destination doesn’t mean you should dismiss it. Bad things can happen when traveling, and you’ll never know when you’d actually need it. Best to be prepared. With travel insurance, you can enjoy your trips worry-free!

What is PGA SOMPO TravelJOY Plus? What are its benefits?

TravelJOY Plus is the travel insurance offered by PGA SOMPO , a joint venture of Prudential Guarantee and Assurance, the top non-life insurance company in the Philippines, and Sompo Holdings, a leading non-life insurance company in Japan. Both are known for providing high-quality service.

Together, they put together TravelJoy, which can give travelers like you relief and compensation for untoward incidents like personal accidents, medical emergencies, flight or baggage delays, trip cancellation, evacuation, loss of money, and more! COVID-19 coverage is also included!

How much is TravelJOY Plus?

One great thing about TravelJOY Plus is its competitive pricing. It is one of the most value-for-money travel insurance products out there. Not only that, aside from its Standard and Supreme plans, it also has a BUDGET OPTION, perfect for shoestring travelers.

You can avail of a plan for as low as PHP 469 for Asia or PHP 475 for Japan, Middle East, and many other countries (for 1-4 days). The Schengen-accredited Supreme plan costs PHP 717 (1-4 days), and this also applies not just to the countries within the Schengen Zone but also the UK, Ireland, Turkey, and European Russia.

Here’s the full price list. But just in case there are cost movements in the future, best to visit this page to get a more updated quote.

Please take note of the following:

• ASIA – excluding Japan, the Philippines, and the Middle Eastern Countries.
• WORLDWIDE – including Japan, Australia, New Zealand, and the Middle East (excluding the Philippines)
• SCHENGEN – Schengen countries + UK, Ireland, Turkey, European Russia (St. Petersburg and Moscow), and the Euro Zone countries.

No need to worry much about it. If you visit PGA Sompo’s booking page , the system will automatically offer you the right plan based on the countries you enter.

Is there a GROUP or FAMILY option?

There used to be a FAMILY option, but it’s currently unavailable. In the meantime, you may choose INDIVIDUAL and select the number of pax that applies to you.

Why choose TravelJOY Plus?

Aside from its competitive prices, PGA SOMPO is part of the Sompo Group which is present in over 30 countries around the world. These Sompo offices worldwide can provide necessary assistance and support should the time come that you need it.

How to contact PGA SOMPO in case something happens?

The TravelJOY Plus Hotline is +632 8866 7388. It’s open 24/7.

Disclosure: This article is made possible through collaboration with PGA SOMPO.

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Travel insurance is a must when visiting any foreign country not because of the pandemic but for other unforeseen circumstances as well. This blog nicely presents sources to buy budget-friendly insurance.

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For your holidays in Japan and abroad

Japan readily becomes a top tourist destination with its rich history, exciting culture, delectable food, and diverse landscape. According to estimates, about 30 million tourists visit this East Asian country every year. It was also ranked as the number one tourist destination in the world on the Travel and Tourism Development Index 2021 of the World Economic Forum. If you plan to visit Japan to have the many unique experiences it is known to offer, you would want to know if the country requires international travelers to carry insurance. Read on to know all about Japan’s travel insurance requirements.

Does Japan Require Travel Insurance?

US citizens do not need travel insurance for Japan, as it is only a requirement for travelers who need a visa for Japan. US citizens are exempted from the visa for short-term stays in Japan, up to 90 days. However, getting a travel insurance policy is encouraged as a travel insurance policy will come in handy in any unforeseen situation. The US Department of Health also strongly encourages carrying supplemental insurance that covers medical treatments and evacuation.

One primary reason why it is encouraged that you take travel insurance for Japan is that the country’s medical system requires foreigners to show proof of funds to cover their entire cost of treatment before providing any medical services. You don’t want to be in a situation where you’re denied medical care because you cannot prove your ability to pay. Therefore, it’s best to carry travel insurance for Japan with adequate medical coverage.  

Japan Travel Insurance FAQs

What documents do i need to travel to japan.

American citizens traveling to Japan require a passport valid for the intended duration of the stay and at least one blank page. You may also be required to show proof of COVID-19 vaccination.  

Does Japan require International Medical Coverage?

Japan does not require international medical coverage, but it is highly encouraged that tourists carry one to pay for any medical emergency.  

What vaccinations are required to visit Japan?

You may only be asked to show proof of COVID-19 vaccination, but the CDC suggests getting the following vaccines as well before traveling to Japan:  

• Hepatitis A and B
• Japanese Encephalitis
• Tick-borne Encephalitis
• Routine Vaccines – Chickenpox, MMR, Flu, Polio, Shingles, and Diphtheria-Tetanus-Pertussis

Why choose AXA Travel Insurance for Japan?

AXA travel insurance is the most complete travel coverage you could get. The plans include an extensive range for trip cancellation, travel interruption, baggage loss, emergency medical treatment and evacuation, and much more. Contact us to learn more and find the best travel insurance for your Japan visit.  

What are the neighboring countries of Japan?

Japan is an island nation, so it doesn’t share land borders with any country. However, it does share maritime borders with several countries in the east. These include:  

• South Korea
• North Korea
• The Philippines

What is the best time of year to visit Japan?

The best time of the year to travel to Japan is between March and May to witness the gorgeous cherry blossoms. However, it is also the peak tourist season, so be prepared for large crowds. September to November is also an excellent time to visit Japan weather-wise.  

What is the local currency of Japan and its exchange rate for USD?

The currency of Japan is the Japanese Yen, and its current exchange rate for USD is 1 Japanese Yen = 0.0075 USD.  

Are credit cards widely accepted in Japan? If yes, which ones?

Even though the prevalent form of payment is still cash in Japan, credit cards are generally accepted in most places. Visa and MasterCard are Japan's two most widely accepted international credit cards. Some areas may also take American Express cards, but some may deny them due to their high merchant fees.

What local customs and cultural norms tourists visiting Japan should be aware of?

Japanese are known for their strong cultural values and firm adherence to traditions. Here are some of the things tourists visiting Japan should be careful of to avoid hurting the locals’ sentiments:  

• Japanese do not tip. In some places, tipping may even be considered rude or insulting.
• Avoid talking loudly on public transport.
• Dress modestly and be respectful in temples and shrines. Also, avoid talking loudly.
• Littering is an offense in Japan.
• Eating or drinking on the subway or while walking is considered rude.
• It’s considered rude to bring dirt to someone’s house. So, if you’re invited to a local’s house, you should take off your shoes at the door and wear guest slippers.

AXA already looks after millions of people around the world

With our travel insurance we can take great care of you too

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Travel Insurance for Japan

Travel Team | Apr 12, 2024

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From the buzz of city life in Tokyo to the majestic views of Mount Fiji, there are many amazing places to visit in Japan. But before you book your trip, you’ll want to consider travel insurance options and learn more about what to expect when visiting Japan.

In this article, we’ll take a closer look at options for travel insurance, requirements for traveling to Japan, and offer destination-specific travel tips so you can make the most of your trip.

Do I Need Travel Insurance for Japan?

Travel insurance is not required to visit Japan. However, it’s still a smart idea to have in case of trip cancellation, lost luggage or medical emergency.

Should You Buy Travel Insurance for Japan?

Whether traveling to Japan or any other international destination, travel insurance is always recommended. Your domestic health insurance often does not cover you in another country. That means that if you get sick or hurt during your trip in Japan, you could have costly medical bills to pay out of pocket. Plus, you never know when an unexpected event could put the money you spent for your trip — from flights and hotels to shrine tours and sumo wrestling tickets — at risk.

Japan Travel Insurance Coverage Options

Seven Corners offers several plans that can be customized to meet your needs, whether you’re traveling internationally or in your own country. Coverage options can differ depending on the plan, specific benefits and add-ons you choose, and your state or country of residency. The travel insurance benefits below can be found in many of Seven Corners’ plans. Consider all of your options to best protect your trip to Japan.

Trip Cancellation

Seven Corners can reimburse you for the prepaid, nonrefundable trip expenses you insured if you have to cancel your trip for a covered reason. Covered reasons vary by plan, but they can include triggers such as an illness that prevents you from traveling or inclement weather, like a hurricane.

For the flexibility to cancel your trip for any reason, not just those listed in your plan document, consider adding optional Cancel for Any Reason (CFAR) coverage

Trip Interruption

An interruption often means you ended your trip and returned home early, but it can also include needing to start your trip late. Trip interruption benefits can reimburse you for the prepaid, nonrefundable trip expenses you didn’t use if you must interrupt your trip for a covered reason. They can also cover transportation expenses resulting from a covered trip interruption.

For more flexibility to interrupt your trip and still be reimbursed, consider adding optional Interruption for Any Reason (IFAR) coverage . This allows you to interrupt your trip for any reason, such as not feeling safe at your destination or simply changing your mind about travel, not just the covered reasons listed in your plan document.

This benefit can cover expenses resulting from a delay, whether you’re en route to Japan, returning home, or even in the middle of your trip. To be reimbursed, the trip delay must be caused by a covered reason, such as a flight delay lasting the required amount of time.

Lost or Delayed Baggage

If you’re on your way to Japan and your baggage is delayed by your airline or other common carrier, Seven Corners will reimburse you to replace necessary personal belongings. Necessary personal items include things like clothing or toiletries — the things you need most so you can continue on your trip.

If your baggage is lost, delayed, damaged, or stolen during your trip, your travel insurance could pay to replace or repair the insured items.

There are some requirements and exclusions for both lost and delayed baggage. These include items such as laptops and jewelry, which may not be covered. Your luggage also must be delayed for the length of time stated in the plan before you are eligible for reimbursement.

• Travel Medical

Travel medical insurance can cover expenses for medical treatment if you get sick or hurt during your trip. This is particularly important when your domestic health insurance does not provide coverage overseas.

Seven Corners Trip Protection plans for U.S. residents provide coverage for Emergency Accident and Sickness as well as Emergency Dental expenses. Seven Corners also provides travel medical plans. This robust medical coverage is available to both U.S. and international residents.

For frequent travelers, we offer annual multi-trip plans with both trip protection and travel medical coverage. These provide the coverage you need most with even more convenience than single-trip plans.

Emergency Medical Evacuation and Repatriation

Sometimes adequate medical care is not available at your destination. If you get sick or injured during your trip to Japan and transferring you to another facility is deemed medically necessary, Seven Corners will pay for and arrange an emergency medical evacuation. We will also arrange your return home where you can continue your recovery.

Accidental Death and Dismemberment

This Seven Corners benefit provides coverage for loss of life or limb resulting from an injury caused by an accident during your trip to Italy.

What Is The Best Travel Insurance for Japan?

Seven Corners Trip Protection is our most popular plan for U.S. residents traveling to Japan. With this plan, you’ll find coverage to protect your trip expenses, belongings, and emergency medical expenses. We also offer an annual trip protection plan for multiple trips, perfect for frequent travelers to Japan or anywhere else in the world.

Seven Corners Travel Medical Insurance provides great levels of confidence for U.S. and non-U.S. residents traveling to Japan. These plans offer robust coverage for medical expenses if you become ill or injured during your trip. You want to be able to get the care you need without having to worry about how you’ll pay for it, and travel insurance can help you do that.

Finding the best travel insurance for your special trip to Japan is easy. Answer a few simple questions on our interactive guide and we’ll show you the best options for you and your trip. The quick quote you get is hassle-free and there’s no commitment on your part. If you have questions or need additional support, you can also contact our licensed agents . We’re ready to help you choose the best travel insurance for a vacation to Japan.

How Much Does Travel Insurance to Japan Cost?

The cost of travel insurance varies by plan as well as a number of other factors. For trip protection plans, the cost is based on your trip expenses and is generally 4-10% of your total insurable trip cost. See how to calculate your trip cost and make sure you have the right amount of coverage. 

The cost of a travel medical plan is based on:

• The plan you choose
• The length of your trip
• Medical maximum, deductible, and other add-ons you select when customizing your plan

Get a quick quote when you answer a few simple questions about your trip to Japan and see what kind of coverage could be best for you.

Travel Requirements for Japan

Before heading off on your vacation to Japan, it’s important to consider what travel documents and requirements your destination has. Let’s take a closer look at what you’ll need when traveling to Japan.

Visa Requirements for Japan

If you have a United States passport you do not need a visa to visit Japan as long as your trip is shorter than 90 days.

There are many countries whose residents are exempt from needing a visa for a short-term visit to Japan. Check out the full list here .

If you plan to stay longer than 90 days, learn more about the procedures for long-term stays here .

Documents and Forms

You’ll need to bring your passport when traveling to Japan. Be sure to carry your passport at all times during your trip, as it’s a legal requirement, and you may be asked to show identification. It’s also important to ensure your passport is valid for the duration of your stay.

Public Health Requirements

As of January 19, 2024, there are no COVID-19 restrictions in place when traveling to Japan.

You won’t need to provide a negative COVID test or proof of vaccination to enter the country.

However, the Centers for Disease Control recommends getting up to date on COVID-19 vaccines before traveling and wearing a mask in crowded places on your trip.

Bringing Medication into Japan

It’s important to note that many common medications in the United States, including Tylenol, Nyquil, and Advil Cold & Sinus, are illegal in Japan. There are limits to the amount of medication and medical devices you’re allowed to bring in.

If you have to exceed these limits, you’ll need to obtain a “Yunyu Kakunin-sho” (importation certificate). You can apply for your certificate online .

Travel tip: Start the process of applying for your Yunyu Kakunin-sho early, as it may take several weeks to process.

Travel Information & Safety Tips for Japan

Want to learn about the weather at your destination? Looking for more info on transportation? Check out these travel and safety tips for a deep dive into what you can expect on your trip to Japan.

Is Japan safe to visit?

Japan is generally a safe place to visit. . Crime is low, but pickpocketing does happen in crowded areas like public transport or tourist attractions. Always be aware of your surroundings when traveling in public, and make sure your valuables are secure.

Be especially cautious if you plan to visit entertainment or nightlife districts like Shibuya, Roppongi, Kabuki-cho, or Ikebukuro. These areas have instances of drink-spiking, assault and robbery.

If you’re a United States citizen traveling to Japan, you can enroll in the free Smart Traveler Enrollment Program (STEP) as an additional safety precaution. Through the program, you’ll get up-to-date information about safety precautions in your destination country. It will also help the U.S. Embassy and your friends and family contact you in case of an emergency.

Travel tip: If you need emergency services in Japan, dial 110 for police and 119 for fire truck or ambulance.

What languages are spoken in Japan?

The vast majority of the population (99.2%) speak Japanese as their first language. Korean is the next most popular language, spoken by 0.5% of the population, followed by Chinese at 0.2%. People in large cities may speak English, but it’s not considered common. Japan is ranked 87th in English proficiency out of 113 countries.

What currency is used in Japan?

The currency in Japan is the Japanese Yen. As of January 19, 2024, one United States dollar is equal to 148 Japanese Yen.

For the most current currency rate, check out this currency exchange tool .

What is the weather like in Japan?

In the spring, Japan is moderate to cool, with temperatures averaging in the mid-seventies in most places. It is one of the most popular times to visit Japan, as the cherry blossoms bloom. Cherry blossoms tend to peak around late March to early April.

Summer in Japan starts with a rainy season in June, followed by hot and humid months in July and August. There are many nice beaches in Japan where you can cool off with swimming or snorkeling. Popular spots include Kotohiki in Kyoto and Kamakura.

In the fall, temperatures dip, and leaves change in Japan. Temperatures can range from 40s to 70s. Fall is a great time to head to the countryside to experience nature and autumn foliage. 

Winter in Japan is dry and cold. Pack a thick coat, as temperatures can drop into the 20s. Skiing is a popular winter activity, especially in areas like Hakuba, Nagano, Niseko, and Hokkaido.

Food and Water Safety in Japan

Feel free to drink tap water anywhere in Japan. Many metro stations have water stations, so if you carry a reusable water bottle, you’ll be able to fill it up on the go. It’s generally safe to eat produce from local markets as well. 

There are many outdoor markets across Japan offering a wide range of foods. Check them out here .

Food Etiquette in Japan

In Japan, chopsticks are the most common eating utensil. It’s important to know how to use them properly when dining out at a Japanese restaurant. Here are the do’s and don’ts of using chopsticks:

• Use the provided chopstick rests
• Place food from shared bowls on your own plate before putting it in your mouth
• Pick up small bowls or plates and bring them closer to your mouth while eating

Don’t

• Use one chopstick in each hand
• Lick or chew on chopsticks
• Stab food to pick it up
• Point at someone with your chopsticks
• Use chopsticks to grab a bowl or shift it toward yourself

Transportation

Japan has an efficient, punctual public transportation system. Japan’s four main islands are covered by an extensive railway network that you can use to move between major cities.

If you plan to move between cities a lot during your trip,  consider purchasing a Japan Rail Pass . This pass allows for unlimited train rides for 1, 2, or 3 weeks.

Do I need a power adapter for my electronics?

Japan uses Type A and Type B power sockets, the same as those used in the United States. However, type B is not as common.

If you’re traveling with Type A two-pronged electronics, you shouldn’t need an adapter. If you’re traveling with Type B three-pronged electronics, it’s a good idea to have an adapter with a two-prong plug.

U.S. Embassy and Consulate Information for Japan

Before traveling to Japan, you should know the location of the nearest Embassy or Consulate to where you’re staying. Here’s a full list of Embassy and Consulate locations.

U.S. Embassy in Tokyo:

1-10-5 Akasaka

Minato-ku, Tokyo 107-8420 Japan

U.S. Consulate in Naha:

2-1-1 Toyama,

Urasoe City, Okinawa 901-2104

U.S. Consulate in Osaka:

2-11-5, Nishitenma,

Kita-ku, Osaka 530-8543

U.S. Consulate in Sapporo:

Kita 1-jo Nishi 28-chome, Chuo-ku,

Sapporo 064-0821, Japan

U.S. Consulate in Fukuoka:

5-26 Ohori 2-chome, Chuo-ku,

Fukuoka 810-0052

U.S. Consulate in Nagoya:

Nagoya International Center Bldg. 6F

1-47-1 Nagono, Nakamura-ku, Nagoya 450-0001

Contact Seven Corners about Travel Insurance for Japan

Finding the best travel insurance doesn’t have to be hard. For more than 30 years, Seven Corners has been helping travelers to Japan choose the right plan so they can explore more confidently. Get a quick, hassle-free quote online or chat with a licensed Seven Corners agent . We’ll answer all your questions and help you customize your coverage for your next Japanese adventure.

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Policies purchased after [23rd Mar 2020] will not provide any cover for claims directly or indirectly arising from, relating to or in any way connected with COVID-19 (or any mutation or variation thereof or any related strain). We will not therefore cover claims relating to any inability to travel, any decision not to travel or any changes to travel plans, nor any medical or health related loss or expense incurred, as a result of COVID-19. Refer to the  FAQ  for more details.

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Home » Asia » Japan » Guide To Japan Travel Insurance – ALL You Need To Know

Guide To Japan Travel Insurance – ALL You Need To Know

So, you’re headed to the Land of the Rising Sun? Great choice!

Japan is a MESMERISING blend of traditional culture and cutting-edge modernity. With its serene temples, bustling cities, iconic Mount Fuji, and cherry blossom festivals, there’s no place quite like it anywhere on earth.

And let’s not forget the delectable sushi, ramen, and sake that awaits every food enthusiast. Sounds delightful, right?

But, while Japan is known for its impeccable public manners and one of the world’s lowest crime rates, why take a risk when it comes to unforeseen mishaps?

Here, we’ll discuss everything you need to know about travel insurance for Japan , ensuring you’re covered for every adventure in this beautiful nation.

By the end of this post, we will answer all of your Japan travel insurance questions.

Do I Need Travel Insurance For Japan?

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Japan is largely seen as a very safe country. Its cities are clean, and crime rates are significantly lower compared to global averages. But, as with any travel, unexpected events like natural calamities, health issues, or even simple travel inconveniences can arise. Japan is also known for its typhoons and earthquakes as well as a fee nasty tropical diseases.

While Japan doesn’t specifically mandate travel insurance for short-term tourists, considering the high cost of medical care inside the country, it’s highly advisable to have insurance coverage during your stay.

In essence, if you’re backpacking around Japan , having the best travel insurance for Japan ensures peace of mind, allowing you to immerse in the culture worry-free.

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Healthcare in Japan

The Japanese healthcare system is top-notch, with some of the world’s most advanced medical technologies and practices. Both public and private healthcare facilities maintain high standards, and English-speaking medical staff are available in urban areas.

However, medical treatment in Japan can be hazardously expensive for tourists. A simple doctor’s visit can range from ¥5,000 to ¥10,000 ($50 – $75). Hospitalization and surgeries can run into several thousand dollars.

For tourists, it’s essential to have travel insurance that covers any potential medical expenses, allowing you to access the best healthcare services without burning a hole in your pocket.

Crime in Japan

Japan boasts some of the lowest crime rates globally. Violent crimes are rare, and streets are safe, even late at night. My friend even left an expensive jacket on a park bench only to find it still there several hours later.

However, like any other tourist destination, petty crimes like pickpocketing in crowded places or thefts can occur sometimes.

While Japan is quite safe , having travel insurance that covers loss of valuables can be a lifesaver, ensuring that lost items don’t ruin your trip.

Issues Facing Travellers in Japan

While Japan offers an impeccable travel experience, there are issues tourists should be aware of:

• Natural Disasters : Japan is prone to earthquakes, tsunamis, and typhoons. These can lead to travel disruptions.
• Language Barrier : Despite the prevalence of English, language can still be a barrier, especially in rural areas. This can make navigating medical emergencies tricky.
• Lost Passports or Valuables : While rare, losing essential documents can be a hassle.

Popular Activities in Japan and Their Associated Risks

Temple Hopping : Touring ancient temples and shrines is my favourite activity. However, some are located on hills or require extensive walking.

This is a relatively sage activity unless you anger one of the gods! Then you need to be mindful of accidents due to falls, especially in crowded places or during festivals.

Skiing and Snowboarding : Areas like Hokkaido are popular for winter sports so Skiing-related injuries do occur every season. Note that not all insurance policies cover winter sports, so checking beforehand is essential.

City Exploration : Roaming cities like Tokyo and Osaka, using their intricate metro systems. Crowded trains can be overwhelming, leading to stress, or loss of belongings.

Things go wrong on the road ALL THE TIME. Be prepared for what life throws at you.

Buy an AMK Travel Medical Kit before you head out on your next adventure – don’t be daft!

From what we’ve observed, the majority of travel insurance policies in Japan typically encompass the following:

• Emergency Medical Treatment for Accidents & Illnesses
• Personal Belongings and Luggage Coverage

Emergency Evacuation and Repatriation

Non-medical emergency evacuation.

• Coverage for Trip Cancellation
• Protection for Trip Interruption

We believe these elements are pivotal when comparing insurance options. However, we won’t delve into the details of each aspect here.

Emergency Accident & Sickness Medical Expenses

Emergency Medical costs are perhaps the single most important aspects of any travel insurance policy. If you have an accident or become seriously ill with a tropical illness, you may want to rest easy knowing that the medical costs and Doctors bills will be taken care of.

Many of you out there have probably never actually seen a medical bill. However, we have seen too many for our liking and believe us, they can get very expensive very quickly.

A friend of mine was once charged $10,000 for a leg infection in Costa Rica. Even 2 days in a Thai hospital cost him nearly $2,000.00! Thankfully he was insured on both occasions.

Pre-existing medical and health conditions may not be covered under this or they may be covered for an additional premium. Ideally, Emergency Accident & Sickness Medical insurance should offer at least $100,000.00 of coverage but some run into the millions. If you are visiting Japan, then do have a serious think about this.

Baggage and Personal Property

Coverage for luggage and personal belongings safeguards the worth of your bags and their contents. It’s most frequently utilized for misplaced luggage (and lost luggage was at all time high last year).

Many policies further extend this protection to include theft that occurs at your destination, which is especially valuable if you’re unfortunate enough to be robbed during your trip.

The coverage limits can differ across policies. Yet, it’s uncommon for the maximum coverage to surpass $1000, with individual item limits usually ranging between $250 to $500.

For many travelers, this might suffice. But if you’re journeying with expensive electronics like laptops or cameras, or specialized equipment like golf clubs, it might be worth considering additional gadget insurance.

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Emergency evacuation covers the cost of sending you back to your home country in stressful circumstances.

Let’s say that the above mentioned tropical illness you catch is a very nasty one, and the decision is taken to send you home for further treatment; this will take care of the high costs of flying you home on a drip. 

Repatriation is the cost of sending your remains home in the rare event that you die on your trip. Repatriation costs are not a burden I would want to leave to my family.

Whilst this is thankfully rare, I do come across Facebook or “Go Fund Me” campaigns for somebody’s body to be flown home.

Non-medical Emergency Evacuation is when you have to be evacuated because of some sudden crisis. 

Examples are the outbreak of war/civil unrest and natural disasters that decimate infrastructure such as the South Asian Tsunami of 2006 or one of the earthquakes which do strike Japan.

In more recent times, the Corona COVID-19 outbreak created the biggest international emergency evacuation situation ever. (FYI – it straddled both the medical and non-medical evacuation boundaries).

Emergency evacuation insurance covers the costs of having to book an emergency flight home ( which can be seriously expensive) and will also cover accommodation costs if you end up being flown to a random, “safe” country rather than going straight home.

Trip Cancellation

Having to cancel an adventure that you were truly excited for is painful. However, being left out of pocket just makes it worse.

Trip Cancellation insurance can help you to recover the ‘non-refundable costs’ of your trip such as flight and hotel costs. Visa’s are also in this category.

To clarify, you can’t claim this simply because you changed your mind about the trip or fell out with your travel buddy. Proper cancellation reasons are things like sickness, family emergencies, bereavement, natural disaster and war – you get the gist.

Bearing in mind how much many some travellers spend on their dream Japan trip, this cover is one worth having in your back pocket.

Trip Interruption

Trip Interruption is when something goes wrong, even interrupts, and you have additional costs to pay because of it.

One example, when your pre-paid hotel falls down and you are forced to book another one. Another example is when your flight home is cancelled and you need a few extra nights at your hotel.

The above are what we consider to be the basic, bare-bones of travel insurance policies. However, some policies do offer a few more aspects to them. The very best Japan travel insurance policies may also include the following:

Adventure Sports and Activities

Please note that adventure sports and activities are not covered by all travel insurance policies. The definition of adventure sports and activities really does vary between providers but for example, can include:

• Trekking (altitude is usually a factor here)
• Swimming with Whales
• Improvised football games….

If you are going to be doing anything remotely physical or outdoorsy on your trip, then it may be sensible to check that your insurance provider is covering it. Broken jaws hurt enough without having high medical bills attached to them.

Accidental Death and Dismemberment

Accidental Death & Dismemberment cover doesn’t cover any travel related expenses as such but instead it basically provides you (or your next of kin) with monetary compensation in the event that something happens to you.

If you die, your loved ones get a payout. Or, if you lose a digit, YOU get a payout. I mean, how much is a finger really worth to you anyway?

It’s kind of like having a bit of life cover attached to your travel insurance.

“Well dear, I’m afraid there is good new and bad news. The bad news is that your parents both died on their trip to Japan. The good news is that you get $10k!”

Gear and Electronics Cover

Some insurance policies do cover electronic gadgets, but others do not. Those that do, sometimes charge an additional fee and they also usually limit the maximum item value.

If you only travel with a phone or a tablet then your travel insurer may well cover it entirely. However, if you’re travelling with a quality laptop , then you may wish to consider obtaining gadget cover.

Personally, I have had separate gadget cover in place on my trusty MacBook Pro for years now.

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While it might appear that all travel insurers are the same, they each bring unique offerings to the table. Some provide more affordable rates, while others prioritize extensive coverage. There are insurers known for their stringent claims process, and there are those celebrated for their fairness and assistance.

Travel insurance – consistently inconsistent. We cannot, and should not, declare one as the superior choice. Insurance is intricate, with policies crafted based on vast data and numerous factors.

The best travel insurance hinges on your destination, travel time, and most crucially, your personal requirements. An insurer perfect for one journey might not suit another.

In the following section, we spotlight several travel insurance providers we’ve personally utilized over the years.

SafetyWing are a relatively new player in the travel insurance space but are already making big waves. They specialise in cover for digital nomads and they offer open ended cover on a monthly subscription basis.

Because they primarily cover digital nomads, they don’t offer much in the way of trip cancellation or delay so do take that into consideration.

However, SafetyWing really excels on the health side of travel insurance, covering dental and some complimentary treatments. In fact they even allow young children to be covered for free. 

If cancellation and delay is not a concern for you or if you will be spending some considerable time on your trip, then consider SafetyWing travel insurance .

• Emergency Accident & Sickness Medical Expenses – $250,000
• Baggage and Personal Property – $3000
• Emergency Evacuation and Repatriation – $100,000
• Non-Medical Emergency Evacuation – $10,000
• Trip Cancellation -$0
• Trip Interruption – $5000

If you need more information, or want to get a quote, then you can visit the website for yourself.

Talk about efficient and effective, Heymondo are up-to-date when it comes to combining travel insurance with technology in the digital world of 2024.

What truly sets them apart is their assistance app offering a 24-hour medical chat, free emergency assistance calls and incident management. How reassuring is that?!

They also have a convenient and complication-free way to make a claim straight from your phone.

Medical expenses are covered up to $10,000,000 USD so try not to damage yourself anything over that amount… If you’d like travel insurance that operates with that little extra swiftness and ease, give these guys a go.

They offer multiple options – single trip, annual multi-trip and long stay. We’ve focused on single trip, but do check out the others and find what fits your next adventure.

• Emergency Accident & Sickness Medical/Dental Expenses –$10,000,000 USD
• Baggage and Personal Property – $2,500 USD
• Repatriation and Early Return – $500,000 USD
• Non-Medical Emergency Evacuation – $10,000 USD
• Trip Cancellation – $7,000 USD
• Trip Disruption – $1,500 USD
• Covid 19 coverage included in all plans

If you need more convincing, click our link below to get 5% off your Heymondo travel insurance plan!

Columbus Direct

Named after one of history’s greatest (and most divisive explorers), Columbus Direct also specialise in insuring adventure-hungry explorers like us. They have been providing award-winning insurance for 30 years.

What we like about this plan is that it does cover small amounts of personal cash. However, Gadget Cover is not available.

Columbus Direct actually offers a number of different travel insurance plans. Below we have focused on 1 of these and have set out the coverage amounts for the Globetrotter plan.

• Emergency Accident & Sickness Medical Expenses – $1,000,000
• Baggage and Personal Property – $750
• Emergency Evacuation and Repatriation – $1,000,000
• Non-Medical Emergency Evacuation – $0
• Trip Cancellation -$1,000
• Trip Interruption (“Catastophe”) – $750

If you need more information or want to get a quote, then you can visit the website for yourself.

World Nomads

World Nomads have been insuring backpackers for 20 years now. Its a backpacker travel insurance company, and their policies cover long way travel on one way tickets, trips to multiple countries, and a whole lot of adventure activities.

These guys are well used to dealing with backpackers like us, and they are regularly recommended by travel bloggers and industry insiders. We love them.

They offer 2 different policies depending on your needs. The Standard Plan is standard & the Explorer Plan covers a whole host of high risk, high fun activities.

World Nomads are also one of the few travel insurers who will write you a policy after starting your trip. The one downside for us is that they don’t cover Pakistan.

Let’s look at the maximum coverage amounts with both the Standard & Explorer plan.

• Emergency Accident & Sickness Medical Expenses -$100,000/$100,000
• Baggage and Personal Property – $1000/$3000
• Emergency Evacuation and Repatriation – $300,000/$500,000
• Non-Medical Emergency Evacuation – $25,000/$25,000
• Trip Cancellation -$2500/$10,000
• Trip Interruption – $2500/$10,000

If you want more info or to get a quote then visit the World Nomads site for yourself and take a look.

Iati Seguros

Iati Seguros is a Spanish based travel insurance company who we have personally used and loved. You will notice that they provide competitive cover amounts for the key travel insurance areas, and are competitively priced. So far we have heard nothing, but good things about them.

They also offer multiple ones, but we have focused on the Standard Plan although we wholly encourage checking out all plans for yourself to identify the best one for your needs.

Standard Plan

• Emergency Accident & Sickness Medical Expenses – $200,000
• Baggage and Personal Property – $1000
• Emergency Evacuation and Repatriation – 100% of cost
• Trip Cancellation -$1,500
• Trip Interruption – 100% of cost

Insure My Equipment

Insuremyequipment.com does precisely what the name suggests. They are an online insurer for expensive equipment (like camera gear & gold clubs). You can use them to get specific pieces of gear insured but please bear in mind this policy is only for your specified gear.

An Insure My Equipment policy works well in combination with other travel insurance. Insure My Equipment policies are an excellent choice for professionals and backpackers with more $0000’s worth of camera equipment, expensive laptops, or fishing rods.

I also know a few travelling musicians and DJs who use these guys so you are in cool company.

Choosing the right travel insurance for your Japan holiday is like choosing a pair of hiking boots – it’s something only you can do by looking at your budget, your needs, and looking at what feels right for you.

You need to work out how much your trip is worth, how much equipment you plan to take and what activities you intend to engage in.

Naturally, you should evaluate your budget – considering both what you’re willing to spend on coverage and what you can bear to lose if you need to file a claim.

At times, a cost-effective backpacker insurance in Japan may suffice, while in other instances, investing a tad more could be beneficial.

If the insights in this article don’t guide your decision, then my efforts over the past 5 hours might’ve been in vain!

Japan is undeniably a traveler’s delight. But, as with any trip, it’s always wise to be prepared for the unexpected. And, investing in comprehensive travel insurance for Japan allows you to enjoy every moment, knowing you’re covered for unforeseen events.

The Japan travel insurers we mentioned here are just a small selection of the many available. Hopefully one of them answers your needs but if not there are others out there.

We hope you found this Japan travel insurance guide helpful. If so please let us know by leaving a comment below.

And for transparency’s sake, please know that some of the links in our content are affiliate links . That means that if you book your accommodation, buy your gear, or sort your insurance through our link, we earn a small commission (at no extra cost to you). That said, we only link to the gear we trust and never recommend services we don’t believe are up to scratch. Again, thank you!

Aiden Freeborn

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Travel Insurance Plan

Designed to protect you against unforeseen events while travelling., at a glance.

Travel Assistance Plan is designed to protect you against unforeseen events while travelling. It protects you against flight cancellation, medical emergency, emergency accommodations or vehicle accidents.

Eligibility and Coverage

●   Individuals and families from 0 to 80 years old may avail.

● Additional Covid Coverage for individuals and families ages 0-65 years old available for International Travel only.

● Coverage will start 24 hours before the date of departure and 24 hours after arrival date.

Calculate Your Premium

Total Premium:

Flight Assistance Benefit

Flight Delay

covers the expenses for meals, tours and accommodation in the event the trip is delayed at least six(6) hours.

Trip Cancellation

covers to pay the unused and non-refundable portion of travel, accommodation expenses and tours in case that the insured can no longer proceed with the trip due to unforeseen events indicated in the policy.

Missed Connecting Flight

covers the reimbursement of the expenses incurred due to acts of nature or intervention by the Authorities up to the limit indicated in the policy during the trip.

Baggage Delay

covers the expenses for the purchases of the basic clothing and toiletries in case of the delay of the luggage during the trip minimum of six(6) hours.

Baggage Loss / Damage Airline and other items in safekeeping of a common carrier

covers for loss, stolen or damaged baggage of the insured incurred during the trip indicated in the plan.

Loss of Travel Documents

covers the cost to replace the new Passport or documents as well as the accommodation expenses indicated in the policy.

Trip Curtailment

covers the expenses of the unused portion of the tour or accommodation if the trip needs to be terminated due to the unavoidable events indicated in the policy.

Aircraft Hijack

covers to pay the insured to the delay or interruption (minimum of 12 hours waiting period maximum 10 days as a result of aircraft hijacking.

Medical Assistance Benefit

Hospital Income

covers to pay the assured of a fixed amount indicated in the plan for each day of confinement minimum of 18 hours.

Medical and Hospitalization Expenses

including follow-up treatment covers the payment of hospital expenses in case of medical emergencies during the trip up to the limit indicated in the policy.

Delivery of Medicines

covers the delivery of the medicines prescribed urgently by a doctor to the insured during the trip.

Emergency and Accidental Dental Expenses

covers the necessary emergency dental treatment of the insured during the trip.

Repatriation of Mortal Remains

covers the necessary arrangements for the insured's transport or repatriation of mortal remains to the usual country of residence during the trip in case of death.

Arrangement for Funeral Assistance

provides financial assistance for funeral expenses of the insured's family due to insured's death caused by accident up to the limit indicated in the policy.

Medical Evacuation or Repatriation

covers to pay the transfer or repatriation of the insured to a properly equipped health center or to his/her usual place of residence.

Compassionate Visit

covers the expenses for the transfer of a person chosen by the insured from the usual country of residence in the event that the insured is hospitalized as an in-patient for more than five(5) consecutive days as a result of injury or sickness during the period of the trip.

Other Benefits

Assistance of bail bond payment.

It covers to advance funds on behalf of the insured up to the policy limit.

Personal Liability

It covers the damages and expenses incurred by the insured for bodily injury and property to third parties.

Personal Accident and Disablement

It covers any accidental injuries or death suffered by the insured during the travel.

Child Guard

It covers the expenses for the economy round trip transfer of one immediate family member, having the same country of residence as the insured, to look after the minor during the trip should the insured be hospitalized for more than five (5) consecutive days or is deceased, and accompanied by a minor during the event and if no adult accompanies said minor.

Advance of Money

It covers the assistance to arrange to forward cash up to the limit indicated in the plan in the event of the robbery, loss or stolen of cash or credit cards and accidents.

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In view of the ongoing large-scale demonstrations in Hong Kong , please be advised that wars, with or without prior declaration, and any conflicts or international interventions using force or duress, events arising from terrorism, mutiny or crowd disturbances as well as damage caused during the course of strikes are not covered under our Travel Assistance Plan ( Asia and Worldwide ).

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10 Best Travel Insurance Companies & Plans in the Philippines

Last Updated on – Jul 13, 2023 @ 1:17 pm

What’s the best travel insurance in the Philippines? When it comes to the best travel insurance providers in the country, AXA’s iON – Smart Traveler stands out. This insurance is not only affordable but also has a comprehensive list of coverage including medical expenses, personal accident, travel inconveniences, personal belongings, emergency medical evacuation, and many more.  Other insurance plans worth considering include Pioneer Insurance, Standard Insurance, World Nomads Explorer Plan, and AIG Travel Guard.

See the Full List

He finally pulled it off—a quick weekend getaway in Kuala Lumpur to give his frayed nerves the much-needed rest they deserve.

Exploring the majestic rock formation inside Batu Caves was the first item in his itinerary. As he was climbing up the steps of this popular Malaysian destination, he notices the monkeys roaming around.

He goes near one to tries to pet it. As he reaches for its head, the monkey jumps, grabs his hand and bites it.

After wiping off the blood from his palm, he looks for a guide who takes him to the nearest hospital for a rabies shot. He was advised to take antibiotics, anti-inflammatory, and pain medicine for the next few days.

Doctors told him he had nothing to worry, he can continue on with his trip the same day.

But even if his trip was off to a bad start, he was still thankful for one thing:

His travel insurance paid for all medical expenses.

Who was the guy? Dunno, really.

But it was an actual testimonial posted by one of the customers of a travel insurance company which we’ll check out later.

The lesson?

Don’t touch ‘em monkeys.

Also, travel insurance is valuable whenever these kinds of things happen.

Because while we’re all hopeful that the trip will go smoothly and according to plan, sometimes, sh*t happens.

And it’s not only tourist-biting monkeys were talking about here.

Travel insurance can also provide protection for your gear/belongings, pay for trip cancellations, problems with baggage, emergency medical situations, and more.

So read on to learn everything you need to know about travel insurance. It’s a small price to pay to get protection and peace of mind for your whole trip.

Related: 79 Visa-Free Countries (+eVisa & VOA) for Philippine Passport Holders

What is a Travel Insurance?

It’s a contract or arrangement with an insurer to guarantee some form of compensation for a specified loss, illness, accident, damage, interruption, and others during your travels.

Put simply, it provides you with coverage for unexpected situations whether traveling domestically or abroad.

How Travel Insurance works?

Like regular insurance, it works by paying a fee to buy a policy. The policy is essentially the contract that states the types of reimbursements or refunds that your insurance can pay for.

For example, say you have a business trip to Spain. Three days before your flight, you experience chest pains and decide to get a checked by a doctor. He concludes that you contracted pneumonia through some form of bacteria.

You were advised to cancel the trip. Will you get reimbursed for travel expenses you already paid like tickets and accommodation?

Yes—if you have travel insurance.

Depending on the type of policy you purchased, expenses incurred for the trip will be reimbursed by your insurance company .

What does a Travel Insurance cover?

Travel insurance can reimburse you on the following expenses:

• Canceled trips
• Medical emergencies
• Lost baggage
• Emergency Evacuation
• Legal costs (for unexpected incidents you didn’t cause)
• Protection of property (gear and possessions) and more.

Related: 40+ Ways to Save Money while Traveling

Types of Travel Insurance in the Philippines

While you’ll see different types of travel insurance policies out there, the two main types are Vacation Plan and Travel Medical Plan .

1. Vacation Plan Insurance

This type of travel insurance is considered to be the widest in terms of coverage. Most sub-types fall under this category. Package plan, trip cancellation, trip insurance, and the generic, “travel insurance” are considered as types of vacation plan insurance.

What coverage does vacation plan insurance provide? Here are some of the most common items covered:

• Interrupted/Cancelled Trips
• Medical Emergencies
• Lost/Delayed Baggage
• Gear protection
• 24/7 Assistance

You’ll notice that medical emergencies are still included under Vacation Plan insurance. This is because some all-in-one policies also include it on the coverage.

However, if you only seek to have medical coverage when traveling and feel like you won’t need the rest, then the next type of travel insurance is what you should get.

Related: Complete International Travel Checklist

2. Travel Medical Plan

Your health insurance provider usually provides only partial or zero coverage when traveling.

A travel medical plan ensures you have adequate medical assistance should the need arise when you’re away from your home country.

• Medical Expenses
• Emergency Evacuations

Related: Easiest Countries to Get a Citizenship

Why do you need Travel Insurance?

The answer will vary from one person to another. Essentially, however, you’re paying for peace of mind. It’s protection for your pockets.

Same reason why you get a car insurance or life insurance : It helps sidestep any headaches caused by unforeseen expenses during your travels.

Think about it: Say the guy who got bit with the monkey earlier didn’t have insurance. He’ll be forced to shell out money from his own pockets to pay for the medical expenses.

That could have affected his budget for the trip, forcing him to cancel some of the items on his itinerary to make up for the expense.

Or maybe someone fell ill back home and you need to go back ASAP. With the right travel insurance, you can reimburse the fees you paid and get back home without worrying about “wasting” what you paid for.

The same applies if your destination country is suddenly reported to experience some form of weather disturbance or natural calamities (typhoons/hurricanes/earthquakes) and you are forced to bail out. Travel insurance keeps you compensated for the expenses you already paid for.

Also Useful:  How to Get a Philippine Passport: DFA Online Appointment & Requirements

How much does Travel Insurance cost in the Philippines?

It varies. Most will fall within the range of Php 500 to Php 3000 for a single trip (4 days to a week, based on the estimated quotes provided by each insurer. More on this later).

There are several factors that affect how much your quote will be.

These are age, type of activities you’ll do during your travel, level of coverage, destination country, length of travel, medical conditions, and others.

To give you an idea of how much travel insurance costs, I’ve pulled up some sample quotes from GoBear (a comparison website).

For travel insurance packages for trips to Asian countries (single trip):

Price range: Anywhere from Php 400 to Php 800

For travel insurance packages to other countries/worldwide (single trip):

Price range: Anywhere from Php 500 to Php 3000

Best Travel Insurance Companies for Filipinos Traveling Abroad

We’ve compiled a list of travel insurance companies currently offering various policies depending on your needs. Read on to compare, you might find this useful on your next travel abroad.

Note: Please make sure to visit each insurer’s official website to get up-to-date rates. Policy coverage shown here may vary from the insurer’s product page depending on the type of plan you will avail of.

1. World Nomads

Service coverage: Worldwide Prices start at: $38 for Standard Plan; $42 for Explorer Plan

World Nomads Pty Ltd is a travel insurance company based in Sydney, Australia. It was founded in 1999 and has been a go-to insurance provider for most independent (and adventurous) travelers worldwide.

Policy coverage:

They provide emergency medical support, evacuation assistance, trip cancellation, and even include coverage for adventure sports and activities (which is not usually provided by other insurance companies).

If you check their site, you’ll see that they offer a myriad of insurance features that the more “Active” nomads will find useful. These include the following:

• Pain relieving dental treatment                     
• Prescribed medicines by a doctor or specialist                     
• Daily emergency cash allowance in hospital                     
• Hospitalization or treatment by a doctor or specialist                     
• Physiotherapy or chiropractic treatment                     
• Treatment by acupuncture or osteopath                     
• Counseling after an assault or mugging                     
• Sports & adventure activities                     
• Study, work and volunteer

2. AXA iON – Smart Traveler

Service coverage: Worldwide Prices start at: Php 990 (Essential Plan)

AXA iON is AXA Philippines’ travel insurance service. They have a pretty comprehensive list of options which includes the following:

Policy Coverage:

• Personal accident
• Emergency Medical Evacuation and Repatriation
• Travel Inconveniences
• Personal Belongings
• Other Benefits (Personal liability, hijacking, kidnapping, funeral and burial expenses)

3. AIG Travel Guard

Service coverage: Worldwide Prices start at: Php 400 (1 to 4 days)

AIG is a global insurance company that has been around for decades, catering to businesses, institutions, and individuals worldwide. One of their products is AIG Travel Guard, which is focused on providing insurance solutions to traveling individuals.

• Medical expense
• Medical evacuation
• Repatriation expense
• Child Guard
• Compassionate visit
• Baggage delay
• Trip cancellation
• Trip termination
• Baggage and personal effects
• Flight delay
• Loss of travel documents
• Personal liability

4. Fortune General

Service coverage: Worldwide Prices start at: Php 900 (1 week)

Fortune General (FGen), has revamped its travel insurance services to include more features. They provide insurance for people traveling to Asia, Schengen (Europe), and to the rest of the world.

• Accidental benefit
• Medical expense and hospitalization
• Medical evac or repatriation
• Emergency Dental Care
• Repatriation of Family Member
• Repatriation of Mortal Remains
• Compassionate Emergency Visits
• Compassionate Emergency Return
• Care for Minor Children
• Flight Delay
• Missed connecting flight
• Trip diversion
• Strikes and aircraft hijacking
• Emergency trip cancellation
• Emergency trip termination
• Personal belongings and baggage
• Other services

5. Pacific Cross

Service coverage: Worldwide Prices start at: Php 500 (Executive Peso Plan)

Pacific Cross is a medical, accident, and travel insurance service provider. It was founded in the Philippines and now operates across various branches across Asia.

Their market focus is on ASEAN countries, providing insurance products to residents in the Philippines, Thailand, Vietnam, Cambodia, Indonesia, and Hong Kong.

• In-patient and Out-Patient care
• Emergency dental treatment
• Emergency room availment and in-patient reimbursement for pre-existing conditions
• Recreational activities
• Recreational extreme sports
• Implants coverage necessitated by a covered accident
• Hospital income
• Funeral and burial expenses
• Land vehicle rental excess protection

6. Malayan Travel Master

Service coverage: Worldwide Prices start at: Php 375 (4 days in ASEAN)

Malaysian Travel Master touts itself as “The most comprehensive international travel health insurance in the Philippines”. They offer competitive pricing on their packages and caters to both local and international travels.

• Personal Accident
• Emergency medical treatment (excluding pre-existing conditions)
• Recovery of travel expenses
• Travel inconvenience benefits
• Travel assistance benefits
• Value-added features

7. MAPFRE Philippines

Service coverage: Worldwide Get a quote: Contact MAPFRE at [email protected]

MAPFRE Insular offers non-life insurance packages which are mainly focused on motor vehicles and other niche areas like engineering, marine cargo, fire, and allied lines, surety and microinsurance.

They currently offer a Travel Insurance package for both international and domestic use.

• Medical expenses and hospitalization benefits
• Trip cancellation and curtailment benefit
• Accidental death and permanent disability of insured
• Repatriation of mortal remains

8. FPG Insurance

Service coverage: Worldwide Prices start at: Php 450 (Classic Plan – 4 days)

Operating under the Zuellig Group of Companies, FPG Travel is the company’s insurance offering for individuals who need protection during their travels.

• Medical treatment/expenses
• Emergency dental care
• Medical evacuation and repatriation
• Return of a family member when traveling with the insured
• Trip cancellation and curtailment
• Delayed departure
• Loss of travel documents and money
• Luggage delay

9. Standard Insurance

Service coverage: Worldwide Prices start at: Php 495 (Asia Protect Peso – 8 days)

Standard Insurance offers both ASEAN and International travel insurance packages. They offer competitive rates for as little as Php 500 for a coverage of up to Php 500,000 (ASEAN).

• Emergency Medical Assistance
• Emergency Travel Assistance
• Travel Inconvenience Benefits
• Personal Liability Benefit
• Personal Accident Liability

10. Pioneer Insurance

Service coverage: Worldwide Prices start at: Php 399 (ASEAN 4 days)

Pioneer Life Inc was established in 1964 and is currently 100% Filipino-owned after the joint venture with Allianz AG of Germany in 2003.

• Emergency trip cancellation and termination
• Damage to baggage
• Loss of baggage
• Loss of personal money
• Loss of Travel documents

5 Tips for Buying the Best Travel Insurance

Tip #1: determine what type of insurance you need.

Before choosing a travel insurance, you should ask yourself the following questions:

• What type of activities will I be doing on the trip?
• Will I be carrying valuable possessions or baggage?
• Is there a chance or reason for the trip to get canceled?
• How much am I willing to pay for insurance?
• Does this company have a decent track record?

And other similar questions. The goal is to have a nice checklist that ticks off everything you think you’ll need for the trip.

For example, say you’re a professional photographer. You’ll be traveling to Europe for a paid assignment. Since you’ll be carrying valuable (read: expensive) gear, it’s crucial that the travel insurance you get prioritizes coverage for possessions and/or baggage-related assistance.

Tip #2: Make sure it has sufficient medical coverage

Seasoned travelers will tell you that the most expensive potential money drain (if you don’t have travel insurance) are medical-related. Accidents and injuries can range from minor to serious, easily costing you thousands of pesos from your own pocket.

A good travel insurance policy should be big enough to cover both minor and major medical issues.

Also, try to get one that has separate coverage for emergency evacuation. Since you’ll be getting insurance anyway, better get the best one you can afford.

Having the option to have a helicopter fly you off to the nearest hospital during a medical emergency (during your travels to hard-to-reach locations)  or natural disaster/calamity is highly valuable and could spell the difference between life or death.

Tip #3: As with any agreements or contracts, you should always check the fine print.

Two companies might offer similar-looking plans but the other is cheaper.

What’s the deal?

Almost always, you’ll know it by reading the fine print carefully. One might be cheaper, but with it comes a slower and more painful claims process.

The speed of getting your claims can make or break a trip, so better be careful in choosing your insurance so you won’t regret it later.

Tip #4: Take advantage of your credit card perks

Most credit card companies include travel insurance as one of the perks for their travel-focused credit cards. It’s part of their “Frequent Traveler’s” package and it can prove valuable for saving yourself a couple of hundred to a few thousand pesos for travel insurance.

Check out our list for best credit cards for travel to know more which ones provide free travel insurance.

Tip #5: Know what’s not included in your policy

Again, this goes along with doing your homework as you decide on which travel insurance company to go with.

What’s not usually covered:

• Extreme adventure activities (though some insurers provide packages for these types of activities)
• Alcohol and drug-related incidents
• Baggage/luggage issues due to the carelessness of policyholder
• Pre-existing conditions (double-check with the insurer)

Bonus tip: Purchase travel insurance at least 2 days before your trip.

Most policies get activated within 24-48 hours within approval. You don’t want to head out without adequate protection activated yet. Be safe, apply and get approved early.

Check with the insurer to confirm the exact date of when the insurance will apply.

How to Claim your Travel Insurance

It’s quite easy, actually. You just need to contact your insurer via their preferred method.

They will then ask you to submit the required documents to serve as proof of the validity of the claim.

In general, it’s a good idea to provide as much documentation as you can so as to avoid any further delay brought about by insufficient requirements.

Always check with your insurance provider what they will need exactly to approve your claim as it may vary from one insurer to another.

Required documents for claiming travel insurance due to trip cancellation:

• Documentation supporting the reason why you need/had to cancel the trip
• Invoice of trip expenses which may include the details (what, when, where) of the trip itself, airline tickets, room or hotel accommodation receipts
• Receipts and itemized bills for all trip expenses
• Physician’s statement (for medical-related incidents)
• Police reports (for stolen baggage or vehicular accidents)
• Unused tickets

In conclusion:

Benjamin Franklin once said, “By failing to prepare, you are preparing to fail”.

Travel insurance is one of those things that you need but hope you’ll never need to use. That’s just the way insurance works. Should you do, however, you’ll be thankful you have it.

Remember: Don’t be penny wise and pound foolish . A few hundred pesos for travel insurance is a tiny price to pay for protection from potentially massive expense later. Save yourself from this trouble and get adequate protection.

Disclaimer: Grit PH strives to post up-to-date information on all investment, banking, and other financial products we feature. However, information may change without notice. Therefore, we do not guarantee the accuracy of the information listed on the website, including those provided by third parties at any particular time. 

It is best to review the updated terms and conditions of your chosen financial institution. Grit PH is not affiliated with the companies mentioned in the article. All testimonials and opinions are representative only of the writer’s experience, but the results will be unique to each individual.

About Amiel Pineda

Amiel Pineda is the Head of Content at Grit PH.

He started freelance writing in 2010 doing product reviews and tech news. In 2018, he became a full-time freelancer, writing in the financial space and creating content for clients in various niches.

Prior to freelancing full-time, he worked 7 years in the financial services industry for a Fortune 500 company.

He also writes on his personal blog, Homebased Pinoy (https://homebasedpinoy.com/), where he shares tips and guides as a work-from-home freelancer, along with NFT-game guides.

Education: Technological Institute of the Philippines (Bachelor of Science in Electrical Engineering) Focus: Freelancing, Entrepreneurship, Financial Products, Investing & Personal Finance

Reader Interactions

February 10, 2019 at 1:04 pm

What travel insurance for old but fit, 86 year old can you recommend?

April 15, 2019 at 2:31 am

This is actually helpful, thanks.

May 22, 2019 at 12:42 pm

Medical insurance to use working abroad such as USA?

August 12, 2019 at 3:33 am

Hi Amiel, thanks for this. When World Nomads stopped supporting Filipino travelers early this year, we had to search for alternatives which are not as good as what World Nomads offered. This is really helpful. I just have some follow up questions: 1. Are these the “best” or “the only” providers offering travel insurance to Filipinos? 2. If the best, what was your criteria for saying that? 3. Is your list ranked from best to worst among the list of the best? 4. What then in your opinion is the best among these and why? Thanks. Gio

September 28, 2019 at 1:30 am

Do you know any travel insurance companies that offer insurance to travelers aged 70+? It seems like all of them stops at 70 year olds 😭

November 15, 2021 at 9:42 pm

Hi, would you know insurance companies offering travel insurance with covid19 coverage and covers travelers 75 years old and above as well? Thank you.

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TravelJOY Plus: Your safe and happy travel!

Your travel experience is not just a one-time thing: it can change you both physically and psychologically. Having little time or money is not a valid excuse because you can fly for cheap very easily. But we often overlook the safety net that we should have to compensate for any incident that will arise while we are in a foreign land. You deserve a comfortable travel without worrying about anything!

To keep up with the demand for travelling comes PGA Sompo’s TravelJOY that extends relief for all types of compensation for any losses due to unwanted incidents. The insured need not to worry about medical expenses, trip cancellation, baggage/flight delay, loss of personal money/travel documents, and evacuation/repatriation to name a few.  Travel without worries with TravelJOY! 

Going overseas? Travelling has never been this easy! We make the most out of your travel goals without a single – worry. We care for your travel. Have a safe and cashless trip with us!

Asia – we provide cover within Asia excluding Japan, Australia, Middle East, and Philippines. Go Worldwide – includes Japan, Australian and New Zealand (excluding Philippines)

Whenever and wherever you are, you may call our 24/7 TravelJOY Plus Hotline Assistance Number:

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With our additional payment channels, from online banking, net banking, debit and credit cards, GrabPay and GCash, our wide range of insurance products are now readily available in just few clicks.

Download the softcopy of TravelJOY Plus Brochure here.

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COVID-19 COVERAGE We now offer protection from any COVID-19 related issues you may encounter on any of your trips. 

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KEY BENEFITS

Eligibility.

• All trips must commence and terminate in the Philippines.
• Age eligibity is from 1 month old up to 75 years old (maximum insured age). And up to 99 years old for travelers to Schengen countries.
• Filipinos travelling as fare-paying passenger on a commercial scheduled flight outside of the Philippines and Foreigners officially residing in the Philippines at the time of purchase of policy, who want to travel as fare-paying passenger on a commercial scheduled flight outside of the Philippines to a third-party country are eligible for cover.
• The maximum duration of a single trip should be 365 days.
• Family package is only up to 4 members only.
• For married couple, members shall include Insured and spouse (up to 75 years old) and two dependent children (up to 21 years old)
• For single parent, members shall include Insured (up to 75 years old) and three dependent children (up to 21 years old)

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Insure Instantly. Roam Fearlessly.

Embark on your adventures with confidence, thanks to Oona Travel Insurance. Our flexible coverage plans cater to all kinds of journeys, from international trips requiring Schengen visas to local getaways. Stay a step ahead with our comprehensive policies, including essential Covid-19 protection, flight delay coverage, and lost or delayed baggage assistance. With Oona, you're not just covered; you're ready to take on the world.

Explore a variety of travel insurance plans tailored to meet your travel essentials

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Why Choose Oona Travel Insurance?

Up to ₱5 million medical coverage, plus more, covid-19 coverage of up to ₱2.5 million, quick online purchase get your policy in minutes, got a question about travel insurance in the philippines.

Explore our FAQ page to find all the information you need.

What happens to my travel insurance if my trip is cancelled?

If your trip is cancelled, your travel insurance typically covers the expenses. This includes reimbursement for unused travel, accommodation, meals, and prepaid activities due to unforeseen events such as death, injury, illness (excluding pre-existing conditions), court summonses, serious home damage, job loss, and more. The coverage starts from when you purchase the policy and lasts until you board your transportation.

What is over booking and does my policy cover it?

Overbooking happens when the airline sells more seats than they have available. If your flight is delayed by over 6 hours because of overbooking, the policy covers reasonable costs for meals, lodging, and airport transfers, as long as the airline or others didn't already provide these for free.

Is travel insurance typically required for Filipino travelers?

Travel insurance isn't required for traveling within the Philippines, or many other places in Asia and worldwide. But if you're heading to Schengen countries, you need international travel insurance, with at least 30,000 EUR coverage. While not necessarily needed elsewhere, we strongly recommend securing travel insurance to ensure a smoother and worry-free experience during your travels.

Is pre-exsiting illness covered under medical & emergency expenses?

No, we don't cover pre-existing conditions initially. However, we do provide first medical aid for emergencies, which includes treatment at hospitals, surgeries, and ambulance services. If it turns out that your condition existed before you got the insurance, we won't cover any further treatments related to it. If your initial coverage limit is reached before we can determine if it's a pre-existing condition, we'll keep providing assistance until we have a diagnosis. If it's not pre-existing, you'll get the regular medical benefits. But if it is, you'll need to pay for any extra costs beyond the initial limit and any excess charges.

What does travel insurance typically not cover?

Travel insurance doesn't usually cover: 1. Actions by the Insured: Such as misconduct, criminal activities, fraud, negligence, recklessness, or mental disorders. 2. Natural Disasters: Like floods, earthquakes, or volcanic eruptions. 3. Terrorism and Conflicts: Including incidents related to terrorism, uprisings, wars, or conflicts. 4. Risky Activities: Such as hazardous sports or dangerous recreational activities. 5. Travel Advisories: Losses in areas with "DO NOT TRAVEL" warnings or due to government actions. 6. Pre-existing Conditions: Such as known health conditions, self-harm, or substance misuse. 7. Other Exclusions: Like personal errors, financial failures of providers, or major unforeseen events. These exclusions help define what's covered and manage risks.

Can I still get travel insurance while already at the airport?

Definitely! With Oona Insurance Travel Online, you can easily purchase travel insurance, anytime, anywhere, and as quickly as possible -- even while waiting for your flight. Just head over to www.myoona.ph and select the Oona travel insurance plan that's right for you. You'd get your policy straight to you inbox with just a few clicks.

What should I do if my checked-in luggage goes missing during my flight and I need to make a claim?

There are just two (2) important steps to make a claim for your lost luggage: 1. Notify the Airline via their Customer Service 2. Report the incident by calling our 24/7 Hotline numbers: +00 632 8459 4727 (outside PH) / (02) 8459 4727 (within PH) , and our team will guide you throughout the whole claims process.

Can I still get travel insurance after booking a trip?

Yes! While airlines typically offer travel insurance as an add-on, you can still avail travel insurance from providers like Oona Insurance. Just be sure to purchase at least a day before you are scheduled to fly out!

Does my policy cover COVID-19? If yes, what are the coverages?

Your policy does not cover COVID-19 by default, but you can easily get travel insurance with COVID-19 coverage as an add-on.

This add-on covers medical treatment/expenses, repatriation of mortal remains, and reimbursements for when your trip is cancelled or cut short, because of COVID-19.

What expenses does my insurance cover if my flight is delayed?

The insurance covers costs like transportation, hotel stay, meals, toiletries, and clothing, up to the limit set in the policy.

How to file a claim for your travel insurance?

Before you claim

Prepare and collate all the required documents and claim details for submission. Click here to see the required documents .

Submitting the claim

Fill out the online claim form and upload the required documents online.

Make a Claim     -----      Other Ways to File a Claim 

You can also call our Claims Assistance Hotline (8am to 5pm, M-F) at: Landline: (632) 8876 4400 Smart: 0920 918 6242 Globe: 0917 581 7175 or  email: [email protected] (for Motor and Personal Accident Claims) [email protected] (for Non-motor claims) For travel claims: Outside the PH: (+00) 632 8459 4727 Within the PH: (02) 8459 4727 Email: [email protected]

Track your claim

Claim result will be informed within 5 business days upon submissions of all required documents to Oona.

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Alternately, you may reach out to our Claim Operation team through the following channels:

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