Japan is known as the Land of the Rising Sun and has a rich and vibrant culture and history stretching back thousands of years. From Hello Kitty to the futuristic fashions of Harajuku, Japan is sure to excite and delight travellers from all over the globe.

Whether you’re after a skiing or snowboarding getaway, yearning for the sight of the cherry blossoms in Spring, or getting amongst the hustle and bustle of Tokyo in the Summer, Japan offers a plethora of sights and activities all year round.

Cancellations and delays

Cover for cancellation fees and lost deposits on prepaid travel, accommodation, meals, tours and activities, and visas if your trip is cancelled due to an insured event; and travel delay expenses.

Overseas medical and hospital expenses

Unlimited amount for emergency medical, dental, surgical and hospital treatment and ambulance costs if you suffer an illness or injury on your international trip (excluding pregnancy and childbirth). 

Pre-existing medical conditions

Cover for 27 pre-existing medical conditions.

Travel documents, credit cards and traveller's cheques

Cover for replacing your passport, visas, travel money cards, traveller's cheques and credit cards if they're lost, stolen or damaged.

Rental vehicle insurance excess

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

Luggage and personal effects

Cover for the 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

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

Compare all travel insurance benefits, features and claim limits

Terms, conditions, limits and exclusions apply.

For full details, please read the Product Disclosure Statement.

Health and safety concerns for Japan

Don’t get caught up sweating the small stuff, follow these tips to guarantee a stress free holiday.


Smarttraveller.gov.au recommends exercising a high degree of caution in certain areas of Japan affected by lethal amounts of radiation.

Health system

Carry proof of purchase of your travel insurance on you to ensure quick and inexpensive health care.

Petty theft

By staying aware of your surroundings, dressing like a local and carrying small amounts of cash, you’ll make yourself less of a target for thieves.

Earthquakes and seismic activity

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

The country has seen some of the worst natural disasters of the 21st century. It is important to keep up to date with local weather and security warnings to ensure your safety whilst away.

Can I get extra coverage for
snow sports?

If you intend to ski, snowboard and/or ice-skate on your overseas trip and want to be insured against any costly mishaps, you may want to consider adding optional Snow Sports Cover to your Budget Direct travel insurance policy.

What to do before you leave for Japan

Here’s what you need to do before taking off on your trip to Japan.

Organise your travel documents

Organise your travel documents

Make sure your travel documents are all in order well in advance to prevent any issues entering or leaving Japan.

Locate the Australian Embassy

Locate the Australian Embassy

Know where to get help if you find yourself in a sticky spot. The Australian High Commission is located in Tokyo.

Ensure you are covered

Ensure you are covered

Cover all your bases with travel insurance that has your back in emergencies.

Overseas medical and emergency assistance

With Budget Direct travel insurance, you get access to a worldwide, 24/7 network of medical and emergency assistance providers.

These include multilingual medical and travel specialists, including about 500 doctors in 34 countries.

Read more about overseas medical and emergency assistance

Frequently asked questions

Which sports and activities do you cover?
What happens if I have a medical emergency overseas?

If you have a medical emergency overseas, contact us immediately. When you buy your policy, you’ll be emailed your Insurance Certificate which details the emergency assistance numbers. You can call free of charge at any time, from anywhere in the world.

If you require hospitalisation, emergency transportation services or need to return to Australia, you must contact us as soon as possible.

If you incur medical costs on your journey, keep copies of all receipts and details of any treatment received.

For more information refer to Product Disclosure Statement.

What happens if my trip return date changes and I need to extend my policy?

To extend your trip email us on travelhelp@budgetdirect.com.au or call us on 1800 444 424 Monday – Friday between 9am and 5pm AEST as soon as you know you need to extend your trip and within two days of your policy expiring. Additional premium may be charged. Your policy can only be extended once, and only up to a maximum combined duration of 12 months.

Budget Direct Annual Multi-Trip covers you up to 30 days for each trip you take in a 12 month period. If your trip is for longer than 30 days then you will need to purchase an additional travel insurance policy.

Is cover provided for high-value items such as personal computers, video recorders and cameras?

We provide cover for personal computers, video recorders, mobile phones and cameras (except under Budget Direct Last Minute Cover). See the table of benefits in the Product Disclosure Statement for limits applicable for your level of cover.

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