The Land of the Rising Sun has a rich and vibrant culture and history stretching back thousands of years.

Holidays can go wrong, though. Which is why the Australian Government recommends travellers get insurance (it’s “as important as a passport”).  

As well as getting cover, you may wish to read our health and safety tips for Aussies travelling to Japan (below).

Cancellations and delays

Cancellation fees and lost deposits on prepaid travel, accommodation, meals, etc.; and travel delay expenses.

Overseas medical and hospital expenses

Unlimited amount for emergency overseas medical and hospital expenses (excluding pregnancy and childbirth).

Pre-existing medical conditions

Cover for 27 pre-existing medical conditions.

Travel documents, credit cards and travellers cheques

Replacement passport, visas, travel money cards, travellers cheques and credit cards if they're lost, stolen or damaged.

Rental vehicle insurance excess

Any hire-car excess you become liable to pay as a result of the car being damaged or stolen.

Luggage and personal effects

Cost of repairing, replacing or reimbursing you for your belongings if they're lost, stolen or damaged.

Personal liability cover

Legal liability cover in case you accidentally injure someone else or damage or lose someone else's property during your trip.

Cruise cover

Our four international travel insurance policies cover cruises, including those within Australian waters. (Our Domestic policy does not cover cruises.)

Compare all travel insurance policies

Terms, conditions, limits and exclusions apply.

For full details, please read the Product Disclosure Statement.

Health and safety concerns for Japan

Follow these precautions to stay safe and healthy on your trip to Japan:

Radiation

The Australia Government recommends you reconsider any need to travel to the restricted areas near the Fukushima Dai-ichi nuclear power plant, which are radioactive.

Health system

To receive health care quickly and easily, you may need to provide proof of purchase of your travel insurance. 

Typhoons

The typhoon season is from May to November. If you’re in Japan then, follow local media updates and know where your nearest shelter is.

Earthquakes and seismic activity

Japan’s location along the Pacific Ring of Fire makes it vulnerable to earthquakes, tsunamis and volcanic eruptions.

You can get emergency plans 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.

Do I need extra coverage for
snow sports?

Yes — to be covered for costly mishaps while skiing, snowboarding and/or ice-skating, you need to add optional Snow Sports Cover to your Budget Direct travel insurance policy.

What to do before you leave for Japan

Reduce the risk of illness, detention or financial loss by following these steps before you depart:

Organise your travel documents,

Get vaccinated

Make sure you’re up to date with your routine vaccinations. And ask your doctor whether there are other diseases in Japan you need to vaccinate yourself against.

Locate the Australian Embassy

Locate the Australian embassy

Know how to contact the Australian Embassy in Tokyo, in case you end up in a sticky situation.

Ensure you are covered

Ensure you're covered

Make sure your travel insurance is adequate and you’re aware of the policy’s limits and exclusions.

Overseas medical and emergency assistance

Budget Direct travel insurance gives you access to a worldwide, 24/7 network of 75,000+ medical and emergency assistance providers.

These include hospitals, medical centres, air ambulance providers, and air charter companies.

Read more about overseas medical and emergency assistance

Find out more

The information on this page is a summary only. For all the terms, conditions, limits and exclusions, please read the Product Disclosure Statement.

How to make a claim

If your trip didn't go entirely to plan and you need to make a claim, we're here to help. Make a claim on your Budget Direct travel insurance policy.

Frequently asked questions

Which sports and activities do you cover?

Budget Direct travel insurance includes cover for more than 90 sports and activities and optional cover for more than 12 snow sports.

Does travel insurance cover medical and hospital expenses?

All four of Budget Direct’s international travel insurance policies – Comprehensive, Essential, Last Minute, and Annual Multi-Trip – include an unlimited amount for overseas medical and hospital expenses, including:

  • ambulance and emergency medical, surgical and hospital costs
  • cost of your return to Australia earlier than planned if this is medically necessary and we authorise it
  • if you cannot return to Australia as you originally planned and if it is medically necessary and we authorise it, we will pay for reasonable travel and accommodation expenses:
    • to allow you to return to Australia, and
    • for someone to stay with you and travel home with you, or
    • for one relative or friend to travel from Australia to stay with you and travel home with you
  • cost of returning your body or ashes to Australia (up to $20,000) or cost of a funeral and burial in the country in which you die (up to $10,000).

This cover excludes any claims arising from pre-existing medical conditions (other than the 27 we cover).

Note that, if you suffer an illness or injury that requires emergency transportation, hospitalisation or repatriation and/or is likely to cost more than A$500 to treat, you (or someone else on your behalf) must call us as soon as possible.

Our Domestic policy does not include cover for medical and hospital expenses, as these expenses are already claimable in Australia from Medicare and/or your private health fund.

Can travel insurance be extended?

Yes – as long as you contact us at least two days before your single-trip policy expires, you can extend your cover – just once, and for a maximum total duration of 12 months (90 days for travellers aged 66 to 100).

An Annual Multi-Trip policy is effective for 12 months, however each trip must last 30 days or less (if you plan on taking a longer trip, you’ll need to purchase another, single-trip policy).

Does travel insurance cover mobile phones?

Yes – all Budget Direct policies except Last Minute include cover for mobile phones.

For more details, including the terms, conditions, limits and exclusions that apply, please see the ‘Luggage and Personal Effects’ section of the product disclosure statement.

If I get into trouble overseas, will I be able to get help?

Yes – all Budget Direct’s international travel insurance policyholders get 24/7 access to a worldwide network of 75,000+ medical and emergency assistance providers.

These include multilingual medical and travel specialists, air ambulances and hospitals.

Whether you get sick or injured, lose your travel documents or credit cards, or are robbed, assaulted or arrested, we can get you the help you need.

Note that, if you suffer an illness or injury that requires emergency transportation, hospitalisation or repatriation and/or is likely to cost more than A$500 to treat, you (or someone else on your behalf) must call us as soon as possible.

Read more about our overseas medical and emergency assistance service

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