Top Travel Insurance Plans for Indians Visiting Japan

You have booked your dream trip to Japan, and your itinerary is packed with exciting activities. From experiencing the serenity of Mount Fuji to getting lost in the neon lights of Tokyo, and from exploring Kyoto’s bamboo forests to enjoying the thrilling rides at Osaka’s Universal Studios, you are ready for an unforgettable adventure. However, before you depart from India, one confusing thing is which travel insurance plan will best suit your needs while providing comprehensive coverage. Let’s clear your doubts in this article.

Based on your requirements, you can choose from the following three types of travel insurance for your visit to Japan:

Single-trip Japan travel insurance covers a single journey within a specified duration, typically from departure to return. This policy is ideal for those who are not frequent travellers and typically fly only once a year to take a break from their hectic work lives and spend quality time with their families in a foreign country.

Multi-trip travel insurance is a policy designed for frequent travellers, covering multiple trips within a specified period, usually a year. A multi-trip policy is highly recommended if you are a business owner who frequently travels to Japan for client meetings. Notably, this policy not only covers your trips to Japan but also extends to other destinations you may visit during the policy period. It protects you from unexpected scenarios that could disrupt your travel plans.

As the name implies, this plan is meant for students who are flying to Japan to pursue higher education. Apart from general inclusions like trip cancellation and loss of passport, this plan provides sponsor and study interruption coverage.

For example, if the sponsor responsible for a student’s education dies or becomes permanently disabled, the policy ensures the student's tuition fees and education expenses are covered, and the student does not have to face disruptions in their studies.

Some of the key coverage that travel insurance offers are:

If your luggage does not arrive at the destination or gets misplaced soon after you arrive in Japan, you can claim compensation for the items lost or the amount you spent on the necessities.

For example, if your suitcase is delayed for more than 12 hours, you will be reimbursed for essential items like clothing or toiletries. However, this cover excludes high-value items such as jewellery or electronics.

To ensure a smooth claim settlement, report the loss immediately to the authorities.

Unforeseen events can strike at any time. If you can't travel because of illness or a family emergency, travel insurance reimburses you for non-refundable expenses like flight tickets, hotel bookings, and tour costs. However, coverage for trip cancellation is not available if it is due to personal preference, such as budget issues, business meetings, etc. 

A compassionate visit provision in travel insurance allows you to bring your loved one to your side in case of a medical emergency. For example, if you fall seriously ill or meet with an accident, the insurance can cover the cost of one of your immediate family member's travel to your location.

It is recommended that you check with the insurer to see if they cover expenses such as accommodation and meals for the visitor.

Travel insurance plans extend coverage if you lose your passport while travelling. The insurer reimburses you for the cost of replacing your passport. Not only that, they will also provide the necessary support to obtain a duplicate passport. 

Japan's cuisine and climate are different from that of India. If you are not a frequent traveller, you may fall ill in Japan as your body may struggle to adapt to the local conditions.

However, things can take a turn for the worse if your condition requires hospitalisation. The medical bills can drain your savings. This is where travel insurance becomes your saviour, covering medical expenses, including pharmacy bills, room charges, and surgical procedures.

Travelling to Japan, known for cultural wonders and breathtaking landscapes, is an experience of a lifetime. However, the unexpected can happen to anyone, and being prepared is essential. A comprehensive travel insurance plan acts as your safety net, ensuring you can confidently explore the beautiful country.