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Japan Travel Insurance

The 1 Thing You Need, When 1 Thing Goes Wrong In Japan.

Travel Alerts: 

Before you buy, please read our travel alerts.

"Exceeded all expectations with 5 star service and exceptional level of care"
— Sean Mar 17, 2021

Why Do I Need Travel Insurance In Japan?


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


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


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


And Did you know...?

  1. 1.  Many people think the government will pay their medical bills overseas. But in Japan, you’re the one who’ll need to pay upfront for your doctor’s visits, hospital stays, and medication.
  2. 2.  Japan is ranked fourth in the world for exposure to natural disasters, and the country is vulnerable to typhoons, earthquakes, floods, tsunamis, volcanoes, cyclones and storms.
  3. 3.  In 2015 there were 23.1 million mishandled bags around the world, with 25% of Japan 1Cover claimants losing/damaging their luggage in 2017/18.


Travel insurance can't prevent things from happening. But if you have 1Cover, you'll have someone there when one thing goes wrong. Keep reading to find out everything you need to know about travel insurance for Japan.

What Are My Travel Insurance Options For Japan?


Option 1


This is our highest level of cover.


Option 2

Medical Only

For medical expense coverage only.


Option 3

Frequent Traveller

If you travel more than once a year.READ MORE

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


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Option 1: Comprehensive Cover


Comprehensive Travel Insurance is our highest level of cover, with optional add-ons for snow, cruise, extra rental vehicle excess, and high-value items.

If you have pets, we include vet fees if your pet gets sick while you're away, and we'll pay pet boarding fees if you're delayed. 

For a detailed outline of benefits and inclusions, as well terms and conditions, please refer to the Policy Wording, or get an instant quote now.

Japan Travel Insurance Policy Benefit Overseas Single-Trip
medical Cover 

Overseas Emergency Medical Assistance^


Overseas Emergency Medical & Hospital Expenses^*


Includes Dental Expenses (per adult)^


Resumption Of Journey^*


Hospital Cash Allowance^*


Accidental Death*


Permanent Disability^*


Loss of Income^*


luggage Cover 

Credit Card Fraud & Replacement^


Includes Travel Documents & Traveller's Cheques^


Theft Of Cash^#


Luggage & Personal Effects*


Luggage & Personal Effects Delay Expenses^


cancellation Cover 

Additional Accommodation & Travel Expenses*


Includes Family Emergency*


Includes Emergency Companion Cover*


Cancellation Fees & Lost Deposits*


Disruption Of Journey*


Alternative Transport Expenses^


ancillary Cover 

Personal Liability#

$5 million

Domestic Pets^*


Domestic Services^*


Rental Vehicle Insurance Excess#*



Choose Add-ons For your Comprehensive cover

If you’re travelling with expensive new items, going cruising, hitting the ski slopes, or you're worried about car rental insurance excess, then you may want to select the following add-ons. 


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

Winter Sports

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

More Cover for Your Rental Vehicle 

We automatically cover rental excess up to $5,000. But you can increase this up to $8,000 if you need to.

High Value
Items Cover

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

Option 2: Medical Only Cover

If you're travelling on a budget, and looking for cheap travel insurance to Japan, then 1Cover’s Medical Only policy offers a cheaper alternative to comprehensive travel insurance. It's our most basic policy and will only provide cover for any medical expenses and emergency assistance costs. 

For a detailed outline of benefits and inclusions, as well as terms and conditions, please refer to the Policy Wording, or get an instant quote now.

Medical Only Cover Policy
Medical Only Policy
Single Trip
medical Cover 

Overseas Emergency Medical Assistance^


Overseas Emergency Medical & Hospital Expenses^*


Includes Dental Expenses (per adult)^



Personal Liability#

$5 million

Option 3: Annual or Frequent Traveller Cover

Do you travel more than once a year to Japan? Then it might make sense to buy a multi trip annual policy. This works just like our comprehensive cover (detailed above), except you can take as many trips as you want in a year and you’ll still be covered.

Let us know the maximum trip duration of any one trip before selecting from the options below.


Frequent Traveller 21 days maximum


Frequent Traveller 45 days maximum


Find out which Annual Frequent Traveller cover policy would suit you best here. 

For a detailed outline of benefits and inclusions, as well as terms and conditions, please refer to the Policy Wording, or get an instant quote now.


Japan Travel Insurance FAQs

  • Will You Pay My Hospital Bills If I get Sick Or Injured In Japan?
  • Please refer to the Policy Wording and policy schedule and check if your sickness or injury is a claimable event and is covered. If you are hospitalised, or if you are treated as an outpatient, or if the total cost of the treatment will exceed $1000, please contact our emergency assistance service as soon as possible to obtain their prior approval.

    In circumstances where the claim is approved, we can then provide written guarantees of payment of reasonable expenses for emergency hospitalisation that may be required while you are in Japan.

  • Am I Covered For Off-Piste Skiing & Snowboarding in Japan?
  • Yes, we provide cover for off-piste skiing and snowboarding as long as it is within a short distance from designated areas of ski resort boundaries on groomed terrain that are open and patrolled by the ski resort.​

    You must select the Winter Sports Pack add-on when booking your policy to be covered for any winter sports activities. 

  • What Do I Do If I get robbed in Japan?
  • If you are robbed while you’re on holiday, you should report the theft to the police or nearest local authority immediately. You will also need to obtain a written report to be used as supporting documents for your claim

  • I’ve reached Japan and the airline Has Lost My Luggage. Will 1Cover Replace The Items?
  • If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred, then your travel insurance may not cover you.

    However, if you are not reimbursed the full amount of your claim, we will assess your claim and you may be entitled to be paid the difference between the amount of your loss and what you were reimbursed, up to the limit of your cover (allowing for depreciation due to age, wear and tear).

  • Can I Apply To Extend My Travel Insurance Policy while I’m in Japan?
  • Yes, of course. If you want to extend your policy while you’re in Japan, the easiest way to do this is via the Policy Manager.

    You'll need your policy number (available in the email confirming your policy), and a few other simple details. Log-in and extend your trip, add destinations, or buy add ons/extras.

    Make sure you extend your policy before it expires. If you have trouble, you can email us at [email protected]

    Please note there may be instances where a policy extension is not available. 

  • Am I Covered For Natural Disasters?
  • Travel insurance provides cover for weather events as long as they are unforeseen. If you do get caught up in an unforeseen event while you are in Japan and you are injured or your trip is interrupted, 1Cover can assist.

    Our policies do not cover claims for losses caused by an event that you were aware of at the time of purchasing your policy. Once an event has become published in the mass media, it is expected that you have purchased your insurance with this knowledge in mind.

    1Cover will, where possible, issue travel warnings in relation to such large scale events and the dates and times after which they are not seen as an unforeseen event.

  • Can I Choose My Excess?
  • Sure. If you choose a lower excess, it means you'll pay less if you need to claim, but you'll pay a little bit more upfront. If you opt for a higher excess, it means you'll pay less now and a little bit more if you need to claim.

  • I travel to Japan a few times a year. What’s the best policy for me?
  • We have a policy called Frequent Traveller which allows you to take as many trips under the one policy for 12 months and enjoy comprehensive cover on each one. There is a limit to the maximum length of each trip on these policies. You can travel to one or more destinations with this policy. 

    Find out more about our annual travel insurance policies here.

  • Do you cover seniors travelling to Japan?
  • We can provide cover to people of all ages. If you have any pre-existing medical conditions we may require a little more information from you and some exclusions may apply. See here for more details. 

  • Am I Covered If I'm Pregnant When I'm Travelling To Japan?
  • If you're travelling to Japan while pregnant, you are covered for single foetus pregnancies, up to, and inclusive of, the 24th week of gestation. For multiple pregnancies, you'll be covered up to and inclusive of the 19th week of gestation. If you have had complications fromyour pregnancy, you’ll need to complete a medical screening.

    We will assess your application and decide whether, and to what extent, we can offer you insurance for your pregnancy and/or journey. If you have not told us about the circumstances of your pregnancy when you were required to do so, we may refuse your claim or reduce it to the amount we would have paid had you given us the required information.

    Please note: we will not pay any medical expenses for:
    a) Regular antenatal care;
    b) Childbirth at any gestation; or
    c) Care of the newborn child. 

    Find more here. 

  • Can I Get Extra Cover For My High-Value Items?
  • Laptop computers, cameras, mobile phones…they’re all things we need on at home and on holiday. That’s why you can choose a bit of extra protection for your can’t-live-withouts. All you need to do is include and specify certain high-value items that aren't automatically covered when you're buying your policy.

    Note: the items cannot be older than 12 month, and you can't specify items like jewellery, watches, bicycles and watercraft (apart from surfboards).




The One thing They Needed in Japan


Khoa's Bacterial Infection

Khoa ended up with a bacterial eye infection while on holidays in Tokyo. He was admitted to hospital, where he stayed overnight and received IV antibiotics to clear the infection.

Despite only spending one night in the hospital, the medical and treatment expenses added up to nearly $26,000 which 1Cover took care of. 

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

Gina's Snowboarding Injury

A nasty snowboarding accident in Happo-Hakuba brought Gina’s trip to an early end and left her with a fractured tailbone and in a lot of pain.

1Cover covered $12,000 for her medical expenses, transfers, and flights so Gina and her partner could come home early.

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

Robin's Cancelled Flights 

When Robin’s flight from Tokyo to Sapporo was cancelled with no guarantee of a flight for two days, she decided to take the almost 10-hour train ride to Sapporo. That train was then cancelled due to bad weather, and Robin was stuck for two days until the trains were back on line.

1Cover was able to reimburse Robin the cost for the train tickets and additional accommodation.

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

Travel Insurance Statistics

...they're interesting, really!

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

Expensive Medical Bill

Nearly 40% of claims made by 1Cover Japan policy-holders were for medical and emergency assistance.*

1 in 4 claims made by our Japan policyholders were for lost or damaged bags and belongings.*

*in 2017/2018
**research conducted in 2016

How Will Travel Insurance Help Me In Japan?

24/7 Medical Assistance

If you get sick or injured while you’re in Japan, we’ll be there to cover any unforeseen medical expenses, including hospital stays, medicine, or emergency evacuation.

your trip

Last year, almost 1 in 10 1Cover Japan policyholders needed reimbursement for trip cancellation. If your plans change before you head overseas, we’ll cover cancellation fees and lost deposits. 

Ease Lost
Luggage Woes

Lost or delayed luggage is a common travel problem. We offer up to $15K for lost or damaged bags or belongings. This means you can travel worry-free with valuable items such as cameras, laptops, or glasses.

Snowboard & Ski Stress-Free

If you’re travelling to Japan’s famous ski-fields, make sure you add-on a Winter Sports Pack to your insurance. It covers things like damaged ski equipment, weather delays, and piste closure.

Car Hire

If you’re getting out of the city and in to the Japanese countryside, you might need a hire car. But remember, if you don’t have travel insurance, and something goes wrong, you might be liable for hefty rental vehicle excess.


Typhoons, landslides, earthquakes, and tsunamis have all hit Japan in recent years. If your trip is ruined because of a disaster, we can assist – but always check the news and our travel alerts before booking your trip.

Scooter & Motorbike Protection

Whether it’s to zip along Tokyo’s streets or traverse country mountains, a rental bike is a great way to see Japan. Wear your helmet, follow the local road rules, and you’ll generally be covered.


Cruising brings a certain set of risks, including on-board illness, lost items, cancelled day trips, weather delays, and more. If you plan on cruising in Japan, you might need our Cruise Pack add-on.


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We've Already Helped 1.5 Million Customers

1Cover is rated 4.3 out of 5, Independently Rated On Feefo 
  • "Don't Leave Country Without it"

    Prompt support when unexpected happened. I don't know what I would have done if I didn't have it when I got robbed.

    By Damiliya, Feefo User

  • "Good Value, Good Service"

    Had to make a claim when my wife took ill & had to visit a doctor in the USA. Put a claim in back home ... accepted and paid within two weeks.

    By Kevin, Feefo User

  • "Exceptional Speed In Response To A Claim"

    First time I've had to make a claim. Speed of process was quite unbelievable.

    By Anon, Feefo User


If You Only Do One Thing...

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

Think you’ve got a cast iron stomach? Sit down to this Japanese delicacy and see what you’re made of. Are you up for the challenge?

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

You’ve probably heard of Niseko, Hakuba, and Nagano. But it’s likely you don’t even know about this epic resort in the very north-east of Japan.  

Snowboarding Tips
The One Tip For Snowboard Newbies in Japan

Are you snowboarding for the first time while in Japan? Then here's the one bit of advice every snowboard beginner needs to know.  


Before Your Trip...

Got some Questions? 

If you have any other questions that haven't been answered on this page, visit our FAQs section for even more information. From riding scooters to questions on skiing, cruising, and travelling with kids, you'll find what you need here. 

Know before you go

The one thing you should do before you get travel insurance is look at 1Cover Travel Alerts. Here you’ll find information on new and current travel events and what will be covered by your policy. 


One Last Thing: Emergency Contacts & How To Claim

We hope nothing goes wrong on your trip to Japan. But if it does, the resources in this section can help you.

New Zealand has an Embassy in Tokyo, Japan and multiple consulates throughout the rest of Japan. They provide a range of services to the general public, including consular, passport, visa and immigration, citizenship and cultural relations services.

Be informed. Be prepared. If you're across The New Zealand Government's SafeTravel website, you'll have all the latest information for your trip to Japan. SafeTravel is a trusted resource for New Zealander travellers and is updated regularly, so make sure you bookmark this handy resource.






If you need emergency assistance in Japan, please call our 24/7 emergency medical assistance line on (+) 64 9884 0229 or email [email protected]

For non-emergency assistance, you can message our Sydney-based support centre seven days a week.

If something happens to you and it's not an emergency, you can start the claims process whenever it's convenient to you. Visit our online claims platform, and if you have all the necessary documentation, your claim will be processed in 10 business days. 

Planning an Activity In Japan?

Hiking In Japan
Head Off The Beaten Track

Take the road less travelled and catch a glimpse of authentic Japan. Oku Japan runs both guided and self-guided tours to some of Japan’s most spectacular spots and hidden gems.

Skiing Holiday In JAPAN
Ski in Japan

Eager to carve up Japan’s epic ski runs but don’t know where to start? Head across to Japan Holidays and let their team sort you out with all you need for an unforgettable trip.

Karaoke In Japan
Karaoke in Japan

Fancy yourself a singer? In Japan, there's no shortage of karaoke bars, from futuristic private rooms or classic bars. Here are just a few to choose from.

Please note, 1Cover does not endorse or sponsor these activities. Activities are listed for informational purposes only.

Still Need Some Help? 

If you have any other questions or queries, please send us a message via our Contact Us page. 
If you are experiencing an emergency, please use the details on our Emergency Assistance page