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.

Radiation

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

Find out more

The information on this page is a summary only. For more details about travel insurance, including the terms, conditions, limits and exclusions that apply, please read the Product Disclosure Statement.

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 AUD$500 to treat, you (or someone else on your behalf) must contact 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 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.

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 AUD$500 to treat, you (or someone else on your behalf) must contact us as soon as possible.

Read more about our overseas medical and emergency assistance service

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