Travel Insurance for Japan Holidays
A holiday in Japan could see you exploring historical sites, enjoying world-class food or hitting the slopes.
Holidays can go wrong, though. This is why the Australian Government recommends travellers get travel insurance no matter where they are travelling, including Japan (it’s “as important as a passport”) to ensure you have overseas medical cover and more.
As well as getting cover, you might want to read our health and safety tips for Aussies travelling to Japan.
What's Covered by Japan Travel Insurance?
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$Unlimited* overseas medical expenses benefit, including COVID-19 related medical expenses.
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Overseas dental expenses^
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Amendment or cancellation costs (such as non-refundable, prepaid travel or accommodation)^
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Luggage and personal effects (such as your clothes, suitcase, phone, smart watch or laptop)^
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Personal liability^
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Activities including surfing, bungee jumping and zip lining
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Some COVID-19 self-isolation expenses up to $2,500**^^
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Amendment or cancellation costs due to COVID-19**^^
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Optional cover variations such as Adventure Activities and Snow Sports**
What's Not Covered by Japan Travel Insurance?
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Mandatory quarantine or isolation order related to cross area, border, region or territory travel
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Any medical, dental or hospital expenses in Australia
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Loss of luggage or personal effects left unattended in a public place
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Childbirth or costs relating to the health or care of a newborn child are not covered, irrespective of the stage of pregnancy when the child is born
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Errors or omissions in your travel bookings
*Where ‘$Unlimited’ is used here, it means that there is no capped dollar sum insured.
**Cover is available to buy via Options to vary cover. An additional premium applies.
^Limits, sub-limits, conditions and exclusions apply.
^^A special excess will apply.
Medical cover will not exceed 12 months from onset. Terms, conditions, limits, sub-limits and exclusions apply. Please check the Combined FSG/PDS for further details.
Choose Your Japan Travel Insurance Policy
15%^ OFF
When you get a quote and buy a new policy online
Our most extensive international Travel Insurance policy can provide cover for our full list of benefits and entitles you to our maximum benefit limits.
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Luggage and personal effects – Up to $10,000 (sub-limits apply)
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$Unlimited* overseas medical expenses benefit, including COVID-19 related medical expenses.
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Overseas dental expenses – Up to $2,000
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Travel amendment or cancellation costs – Up to $10,000 (or the amount you choose) per policy
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Rental vehicle excess – Up to $10,000
15%^ OFF
When you get a quote and buy a new policy online
Our essential international travel policy provides cover for fundamental benefits and entitles you to generous benefit limits.
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Luggage and personal effects – Up to $5,000 (sub-limits apply)
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$Unlimited* overseas medical expenses benefit, including COVID-19 related medical expenses.
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Overseas dental expenses – Up to $1,000
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Travel amendment or cancellation costs – Up to $5,000 (or the amount you choose) per policy
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Rental vehicle excess – Up to $4,000
15%^ OFF
When you get a quote and buy a new policy online
Our basic level of cover at for international travel provides cover for an $Unlimited* amount of overseas emergency medical and hospital expenses.
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Luggage and personal effects – Up to $2,000 (sub-limits apply)
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$Unlimited* overseas medical expenses benefit, including COVID-19 related medical expenses.
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Travel amendment or cancellation costs
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Rental vehicle excess
*Where ‘$Unlimited’ is used here, it means that there is no capped dollar sum insured.
^^A special excess will apply.
Medical cover will not exceed 12 months from onset. Terms, conditions, limits, sub-limits and exclusions apply. Please check the Combined FSG/PDS for further details.
Health and Safety Concerns for Japan
Following these precautions can help you stay safe and healthy on your trip to Japan:
There are restricted zones around the Fukushima Dai-ichi nuclear power plant due to radiation levels. However, the radiation levels in most parts of Japan are within the normal range.
To receive health care quickly and easily, you may need to provide proof of purchase of your travel insurance. Medical care is of a high standard in Japan however you may need to pay upfront for medical costs before being treated.
The typhoon season is from May to November. Follow local media updates during this time and know where your nearest shelter is.
Natural Disasters
There is a constant risk of earthquakes and tsunamis in Japan.
Locate the emergency plan for your area from local or prefectural government offices.
If you're in a coastal region when an earthquake strikes, move to higher ground straight away.
What To Do Before You Visit Japan
Reduce the risk of illness, detention or financial loss by following these steps before you depart:
Make sure you're up to date with your routine vaccinations. Ask your doctor whether there are other diseases in Japan you need to vaccinate yourself against.
Compare Travel Insurance
Compare all Budget Direct Travel Insurance before you buy and get the cover you want.
Overseas Medical Expenses and Emergency Assistance
With Budget Direct Travel Insurance Cover, you have 24/7 access to a network of doctors, nurses, case managers and travel agents.
Depending on your needs, we can help you:
- Find a medical facility and monitor your medical care
- Pay medical bills (if your claim is approved)
- Keep travelling or get home
- Deal with lost passports, travel documents and credit cards
- Change your travel plans
Get a Quote Online and Save 15%^
Get a quote online – it’s quick and easy. If you get a quote and buy a new Budget Direct Travel Insurance policy online, you’ll receive a 15%^ discount
If your trip didn't go entirely to plan and you need to make a claim on your Budget Direct Travel Insurance, we're here to help. Having your details, receipts and documents from the trip on hand can also make it easier to claim.
With Budget Direct, you can conveniently make a claim online at any time of the day or night, 365 days a year.
Or you can call us at 1300 792 001 within Australia or +61 2 8907 5079 overseas.
The information on this page is a summary only. For more details about Budget Direct Travel Insurance, including the terms, conditions, limits, sub-limits and exclusions that apply, please read the Combined FSG/PDS for further details.
Japan Travel Insurance FAQs
All Budget Direct Travel Insurance includes cover for a range of sports and activities. Some adventure activities and snow sports may not be automatically included in the cover.
For other more adventurous activities, we have options for you: Adventure and Adventure+ Cover.
Adventurous spirits can obtain cover with our Adventure and Adventure+ Cover which help protect you against loss or injury while doing the adventure sports and activities that you love. Insure yourself and your travel companions against costly mishaps if you plan to take part in any adventure activities on your overseas holiday, or trip around Australia.
Please read the Combined FSG/PDS to learn more about which activities you'll be covered for.
Yes, all of Budget Direct’s international Travel Insurance plans – Comprehensive, Essential and Basic – include an $Unlimited* cover amount (for up to 12 months from onset of the illness, condition or injury) for the cost of overseas medical expenses for coverable conditions including:
Emergency medical treatment
Ambulance transportation
Surgery and hospital costs
Emergency repatriation/evacuation
*Where ‘$Unlimited’ is used here, it means that there is no capped dollar sum insured. There is no cover for any medical, dental or hospital expenses in Australia.
Yes, all Budget Direct Travel Insurance policies include cover for mobile phones. We can cover the cost of repairing, helping replace or reimbursing you for your mobile phone if it’s lost, stolen or damaged during your period of insurance (conditions, limits and sub-limits apply). Depreciation only applies to items more than 2 years old.
For more details, including the terms, conditions, limits, sub-limits and exclusions that apply, please read the Combined FSG/PDS.
Yes, our Travel Insurance can provide cover for trekking up to 6,000 metres above sea level – just make sure you have the right coverage for your trek.
Hiking or trekking under 3,000 metres is automatically included in any of our Travel Insurance plans
For an additional premium, optional Adventure Cover provides cover for trekking (that doesn’t require specialist climbing equipment) that reaches an altitude between 3,000 and 4,000 metres above sea level, if the trek takes more than 2 days to complete.
For an additional premium, optional Adventure+ Cover provides cover for trekking (that doesn’t require specialist climbing equipment) that reaches an altitude between 4,000 metres and 6,000 metres above sea level, if the trek takes more than 2 days to complete. Adventure+ Cover will also provide cover for your fully guided Mount Everest Base Camp trek or for trekking the Kokoda Trail.
When comparing Travel Insurance plans, we recommend you check the Combined FSG/PDS for the list of activities that are automatically covered – and what activities you need to add extra coverage for – to ensure you’re protected. Keep in mind that cover is not available if your trek requires specialist climbing equipment or if it is 6,000 metres or more above sea level. You must also not be racing or doing the hike or trek in a professional capacity.
The benefit limits are the most we’ll pay each insured person per trip but this does not include the Amendment or Cancellation limit which is per policy.
For example, if a family of five has Domestic cover and all five of them have their luggage stolen, we’ll pay them up to $5,000 each (minus the applicable policy excess and taking into account limits and sub-limits).
