{"id":102532,"date":"2026-10-20T12:18:46","date_gmt":"2026-10-20T01:48:46","guid":{"rendered":"https:\/\/thechampagnemile.com.au\/deals\/?page_id=102532"},"modified":"2026-10-24T16:02:44","modified_gmt":"2026-10-24T05:32:44","slug":"best-travel-insurance-for-japan","status":"publish","type":"page","link":"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-japan\/","title":{"rendered":"Best Travel Insurance for Japan from Australia"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Japan is one of the most popular overseas trips for Australians, and it&#8217;s an easy country to travel in. It&#8217;s also a country where you pay the full cost of any medical treatment yourself. Australia and Japan have no reciprocal healthcare agreement, so Medicare won&#8217;t help you in a Tokyo hospital or on a Niseko ski slope.<\/p>\n\n\n\n<div class=\"wp-block-aioseo-key-points\"><div class=\"aioseo-key-points-block-content\">\n<ul class=\"wp-block-list tcm-key-takeaways\">\n<li>Japan doesn&#8217;t require travel insurance for entry, but Smartraveller strongly recommends it for every trip.<\/li>\n\n\n\n<li>Look for unlimited overseas medical and evacuation cover. Japanese hospitals can ask uninsured visitors to pay upfront.<\/li>\n\n\n\n<li>Skiing and snowboarding are almost never included by default. You need a snow sports add-on, and most only cover on-piste.<\/li>\n\n\n\n<li>Japan is now the top source of ski claims for Southern Cross Travel Insurance, ahead of Europe and North America combined.<\/li>\n\n\n\n<li>Buy your policy as soon as you book, so cancellation cover starts straight away.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">This guide compares the travel insurers we rate for Japan, explains what cover you actually need (including for skiing and snowboarding), and shows you what drives the price of a policy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Best travel insurance for Japan: our picks<\/h2>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><em><strong>Affiliate Disclosure: <\/strong>The Champagne Mile may earn a commission via links on this page. You should assess your own financial situation and needs and read all relevant Product Disclosure Statements and Terms and Conditions on the website of each Vendor before making a decision to purchase any service or product we display.<\/em><\/p>\n\n\n\n<div class=\"wp-block-rehub-deal-coupon-list rhpb-deal-coupon-grid rhpb-65b24be9-987d-40c5-8ddd-e027f72a379a\">\t\t<div class=\"woo_offer_list \" data-filterargs='{\"post_type\":\"post\",\"posts_per_page\":12,\"order\":\"desc\",\"tag__in\":[\"989\"],\"orderby\":\"date\",\"no_found_rows\":1,\"ignore_sticky_posts\":1}' data-template=\"postlistpart\" id=\"rh_filterid_538920783\" data-innerargs='{\"aff_link\":\"\"}'>\r\n\t\t\r\n\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"Southern Cross Travel Insurance: Big Family Trip, Small Premium\" href=\"https:\/\/thechampagnemile.com.au\/deals\/southern-cross-travel-insurance-big-family-trip-small-premium\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/southern-cross-travel-insurance-promo-codes-feature-image-4-rrrw9xiig46ivk6ppo74vc7crqpi2gmxvalzhxfrdk.jpg\" height=\"92\" alt=\"Southern Cross Travel Insurance: Big Family Trip, Small Premium\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 day ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h2 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/southern-cross-travel-insurance-big-family-trip-small-premium\/\"   class=\"re_track_btn\">Southern Cross Travel Insurance: Big Family Trip, Small Premium<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nAward-winning cover trusted by over 6 million travellers, with free cover for dependent kids and a policy for every budget.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/scti\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget quote\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"Dive, trek, ski or ride. 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Score a 10% discount using this code to save on your next Zoom Insurance policy. Works on Comprehensive, Standard, and Basic plans.\u00a0\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/zoom\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget discount\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"Save 15% off your next travel insurance policy with Freely\" href=\"https:\/\/thechampagnemile.com.au\/deals\/save-15-off-your-next-travel-insurance-policy-with-freely\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/freely-discount-code-logo-4-rp855a43bjq7dxg12iwdu15iv20vtknqkbm8y8eqfs.png\" height=\"92\" alt=\"Save 15% off your next travel insurance policy with Freely\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 day ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h2 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/save-15-off-your-next-travel-insurance-policy-with-freely\/\"   class=\"re_track_btn\">Save 15% off your next travel insurance policy with Freely<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nSave 15% on your next travel insurance policy with Freely. Get reliable cover, flexible options, and travel with confidence for less.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/freely\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget discount\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype pt0 pb0 pl0 pr0 w_disclaimer\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"Tick for straightforward, affordable cover\" href=\"https:\/\/thechampagnemile.com.au\/deals\/all-pre-existing-medical-conditions-considered\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/tick-travel-insurance-promo-code-logo-4-rp859idy2pinmraudcpy1yq73h6cgjg959awp24yfs.png\" height=\"92\" alt=\"Tick for straightforward, affordable cover\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 day ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h2 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/all-pre-existing-medical-conditions-considered\/\"   class=\"re_track_btn\">Tick for straightforward, affordable cover<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nChoose cover from four no-nonsense tiers &#8211; so you get exactly what you need without paying for what you don&#8217;t.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget quote\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n            <div class=\"rev_disclaimer lightgreybg font60 greycolor lineheight15 pt5 pb5 pl15 pr15\">Tick Travel Insurance Disclaimer: \r\n\r\nThis insurance is underwritten by the insurer Europ Assistance Australia Pty Ltd, ACN 140 219 594, AFSL 552106, trading as Tick Travel Insurance and other brands. Sub-limits, terms, conditions, and exclusions may apply. Please refer to the PDS for full details.\u202f (https:\/\/www.tickinsurance.com.au\/policy-wordings\/)\r\n\r\n \r\n\r\nIf you take out a Travel Insurance policy with Tick Travel Insurance as a result of the services provided by us, Europ Assistance Australia Pty Ltd (Trading as Tick Travel Insurance) may pay us a referral fee.<\/div>\r\n        \r\n<\/div>\t\t\r\n\t\t\r\n\t<\/div>\r\n\t<div class=\"clearfix\"><\/div>\r\n\r\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">There&#8217;s no single best policy for everyone. A couple spending two weeks between Tokyo and Kyoto needs different cover from a family heading to Hakuba for the powder. These are the insurers we&#8217;d shortlist, grouped by the type of traveller they suit best.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quick comparison<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Insurer<\/th><th class=\"has-text-align-left\" data-align=\"left\">Best for<\/th><th class=\"has-text-align-left\" data-align=\"left\">Snow sports<\/th><\/tr><\/thead><tbody><tr><td><strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-promo-code\/\">Cover-More<\/a><\/strong><\/td><td>Ski trips<\/td><td>Optional add-on<\/td><\/tr><tr><td><strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/southern-cross-travel-insurance-promo-codes\/\">SCTI<\/a><\/strong><\/td><td>Families<\/td><td>Optional add-on<\/td><\/tr><tr><td><strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/zoom-travel-insurance-discount-code\/\">Zoom<\/a><\/strong><\/td><td>Budget<\/td><td>Winter Sports Pack<\/td><\/tr><tr><td><strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/tick-travel-insurance-promo-code\/\">Tick<\/a><\/strong><\/td><td>Basic cover<\/td><td>Optional, add-on<\/td><\/tr><tr><td><strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/freely-discount-code\/\">Freely<\/a><\/strong><\/td><td>Flexible cover<\/td><td>Per-day boost<\/td><\/tr><tr><td><strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/world-nomads-travel-insurance-discount-code\/\">World Nomads<\/a><\/strong><\/td><td>Adventure<\/td><td>Optional, add-on<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><em>Always read the Product Disclosure Statement (PDS) before you buy. Cover levels, limits and excesses change, and the PDS is the document that decides your claim.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Do you need travel insurance for Japan?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Japan doesn&#8217;t ask for proof of travel insurance at the border, so technically you can enter without it. In practice, going uninsured is a big gamble:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>No Medicare in Japan.<\/strong> Without a reciprocal agreement, every clinic visit, hospital stay and ambulance trip is billed to you.<\/li>\n\n\n\n<li><strong>Hospitals are cracking down.<\/strong> Unpaid bills left by foreign visitors have become a serious problem for Japanese hospitals, and the government has campaigned for tourists to buy insurance before they arrive.<\/li>\n\n\n\n<li><strong>Natural events disrupt trips.<\/strong> Typhoons, earthquakes and heavy snow can cancel flights and trains. Insurance can cover extra accommodation and rebooking costs if your policy includes them.<\/li>\n\n\n\n<li><strong>Japan trips are expensive.<\/strong> Flights, ski passes and ryokan stays are often prepaid and non-refundable. Cancellation cover protects that money if you can&#8217;t go.<\/li>\n<\/ul>\n\n\n<div class=\"wpsm_box green_type nonefloat_box mb30\" style=\"text-align:left; width:auto\"><i><\/i><div>\n\t\t\tJapan has been reviewing how it handles medical bills left by foreign visitors, including closer checks on people with unpaid debts. Check <a href=\"https:\/\/www.smartraveller.gov.au\/destinations\/asia\/japan\">Smartraveller&#8217;s Japan<\/a> page before you go for the latest entry advice.\n\t\t\t<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\">Medical costs in Japan and why cover matters<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Japan&#8217;s healthcare is excellent, but it isn&#8217;t cheap for visitors. A simple clinic visit for a cold might be manageable, but costs escalate fast once you need a scan, surgery or an overnight stay. There&#8217;s also no law capping what a hospital can charge a foreign tourist paying out of pocket.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The biggest risk is evacuation from remote areas. A helicopter retrieval from a Hokkaido ski field can run into six figures (reportedly up to $225,000). This is why Smartraveller and consumer groups recommend a policy with <strong>unlimited overseas medical and evacuation cover<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When comparing policies, check that:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Overseas medical and hospital cover is unlimited (or very high).<\/li>\n\n\n\n<li>Emergency evacuation and repatriation to Australia are included.<\/li>\n\n\n\n<li>The insurer has a 24\/7 emergency line that can deal directly with Japanese hospitals, so you&#8217;re not paying upfront.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Skiing and snowboarding in Japan: what cover you need<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Japan&#8217;s powder snow has made <a href=\"https:\/\/www.japan.travel\/en\/guide\/skiing\/\">Niseko, Hakuba, Furano and Nozawa Onsen<\/a> favourites for Australians over our summer. It has also made Japan the leading source of ski insurance claims. Southern Cross Travel Insurance reported that more than half of its ski and snowboard claims in the 2026 season came from Japan, with claims up 125% on 2024.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s what to know before you hit the slopes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Snow sports aren&#8217;t included by default.<\/strong> On nearly every Australian policy you have to add snow cover when you buy, for an extra premium.<\/li>\n\n\n\n<li><strong>Standard snow cover is on-piste only.<\/strong> If you plan to ski off-piste, in the trees or in the backcountry, you need a higher tier, such as Cover-More&#8217;s Snow Sports+.<\/li>\n\n\n\n<li><strong>Local rules matter.<\/strong> Many Japanese resorts restrict off-piste and tree skiing. Policies that cover off-piste usually exclude claims where you ignored local warnings or closed areas.<\/li>\n\n\n\n<li><strong>Check equipment and lift pass cover.<\/strong> Good snow cover can include your own gear, hired gear and unused lift passes if you&#8217;re injured.<\/li>\n\n\n\n<li><strong>Weather disruption is a big claim category.<\/strong> Heavy snow often closes roads and cancels flights out of Sapporo. Check your travel delay and additional expenses cover.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For more on high-risk activities, see our <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-for-adventure-sports\/\">adventure sports travel insurance guide<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How much does travel insurance for Japan cost?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Your premium depends on your trip and the cover you choose. The biggest factors are:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Factor<\/th><th class=\"has-text-align-left\" data-align=\"left\">How it affects your price<\/th><\/tr><\/thead><tbody><tr><td><strong>Age<\/strong><\/td><td>Premiums rise with age, especially from your 60s onwards.<\/td><\/tr><tr><td><strong>Trip length<\/strong><\/td><td>Longer trips cost more. For several trips a year, an annual multi-trip policy can work out cheaper.<\/td><\/tr><tr><td><strong>Level of cover<\/strong><\/td><td>Medical-only policies are the cheapest. Comprehensive adds cancellation, luggage and delay cover.<\/td><\/tr><tr><td><strong>Snow sports<\/strong><\/td><td>Adding ski cover can significantly increase the premium, and off-piste tiers cost more again.<\/td><\/tr><tr><td><strong>Pre-existing conditions<\/strong><\/td><td>Covering a declared condition usually adds an extra premium.<\/td><\/tr><tr><td><strong>Excess<\/strong><\/td><td>Choosing a higher excess lowers your premium, but you pay more if you claim.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The quickest way to find your real price is to get quotes from two or three insurers with the same trip details and compare the cover side by side, not just the headline price.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Seniors and pre-existing conditions<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re over 70 or have a medical condition, the cheapest policy is rarely the right one. Some insurers automatically cover certain stable conditions, while others assess you online and add a premium. A few specialise in travellers that mainstream insurers decline.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Our guides cover this in detail:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-pre-existing-medical-conditions\/\">Travel insurance with pre-existing medical conditions<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-seniors-in-australia\/\">Travel insurance for seniors<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/thechampagnemile.com.au\/deals\/allclear-travel-insurance-promo-code\/\">AllClear travel insurance<\/a> for travellers with medical conditions<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Common exclusions to watch for<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Alcohol and drugs.<\/strong> Injuries while intoxicated are generally excluded, so a big night in Shinjuku that ends in an emergency room may not be covered.<\/li>\n\n\n\n<li><strong>Driving without the right permit.<\/strong> To drive in Japan you need an International Driving Permit alongside your Australian licence. Without one, you may have no cover.<\/li>\n\n\n\n<li><strong>Known events.<\/strong> Once a typhoon is named or an event is in the news, it&#8217;s a known event. Buy early so you&#8217;re covered before it happens.<\/li>\n\n\n\n<li><strong>Restricted areas.<\/strong> Travelling against Smartraveller advice, such as into restricted zones near Fukushima Daiichi, can void your cover.<\/li>\n\n\n\n<li><strong>Unattended belongings.<\/strong> Japan is famously safe, but bags left unattended on trains or in public places usually aren&#8217;t covered.<\/li>\n<\/ul>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"102322\" class=\"elementor elementor-102322\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-237b433 e-flex e-con-boxed e-con e-parent\" data-id=\"237b433\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c92addf elementor-widget elementor-widget-html\" data-id=\"c92addf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/cdn.jsdelivr.net\/npm\/@tabler\/icons-webfont@3.19.0\/dist\/tabler-icons.min.css\">\r\n<style>\r\nhtml body .tcm-mtig { display:block !important; width:100% !important; margin:0 !important; padding:0 !important; font-family:inherit !important; box-sizing:border-box !important; }\r\nhtml body .tcm-mtig *, html body .tcm-mtig *::before, html body .tcm-mtig *::after { box-sizing:border-box !important; }\r\nhtml body .tcm-mtig .tcm-pricematch-grid { display:grid !important; grid-template-columns:repeat(auto-fill, minmax(220px, 1fr)) !important; gap:8px !important; margin:0.85rem 0 0 0 !important; padding:0 !important; }\r\nhtml body .tcm-mtig a.tcm-country-link { display:flex !important; align-items:center !important; justify-content:space-between !important; gap:6px !important; font-family:inherit !important; background:#f8f9fc !important; border:1px solid rgba(10,31,92,0.08) !important; border-radius:7px !important; padding:0.55rem 0.75rem !important; margin:0 !important; font-size:12.5px !important; font-weight:600 !important; line-height:1.4 !important; color:inherit !important; text-decoration:none !important; box-shadow:none !important; transition:border-color 0.15s ease, background 0.15s ease !important; }\r\nhtml body .tcm-mtig a.tcm-country-link:hover { border-color:#b8992e !important; background:#ffffff !important; color:inherit !important; text-decoration:none !important; }\r\nhtml body .tcm-mtig a.tcm-country-link:focus-visible { outline:2px solid #b8992e !important; outline-offset:2px !important; }\r\nhtml body .tcm-mtig .tcm-country-link-label { display:inline-flex !important; align-items:center !important; gap:7px !important; color:inherit !important; }\r\nhtml body .tcm-mtig .tcm-country-link-icon { font-size:13px !important; color:#b8992e !important; flex-shrink:0 !important; }\r\n@media (max-width: 600px) {\r\n  html body .tcm-mtig .tcm-pricematch-grid { grid-template-columns:minmax(0, 1fr) !important; }\r\n}\r\n<\/style>\r\n\r\n<h2 class=\"wp-block-heading\">More Travel Insurance Guides<\/h2>\r\n\r\n<div class=\"tcm-mtig\">\r\n  <p class=\"wp-block-paragraph\">Every trip, traveller and risk changes what you need from a policy. These guides go deeper on each situation, and it&#8217;s worth comparing <a href=\"https:\/\/thechampagnemile.com.au\/deals\/travel-insurance-promo-codes\/\">providers<\/a> before you buy. <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/#travel-insurance-guides\">Browse all travel insurance guides<\/a>.<\/p>\r\n  <div class=\"tcm-pricematch-grid\"><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-families\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-users-group tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Families<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-backpackers\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-backpack tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Backpackers<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-students\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-school tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Students<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-pregnant-travellers\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-baby-carriage tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Pregnant Travellers<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-seniors-in-australia\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-heart-handshake tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Seniors<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-cruises\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-anchor tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Cruises<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/annual-vs-single-trip-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-calendar-repeat tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Annual vs Single Trip Travel Insurance<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/domestic-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-map-pin tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Domestic Travel Insurance<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-pre-existing-medical-conditions\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-heartbeat tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Pre-Existing Medical Conditions<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-for-adventure-sports\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-mountain tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Travel Insurance for Adventure Sports<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-covid-cover\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-virus tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Travel Insurance COVID Cover<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/credit-card-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-credit-card tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Credit Card Travel Insurance<\/span><\/a><\/div>\r\n<\/div>\r\n<script>\r\n(function(){\r\n  try {\r\n    var here = location.pathname.replace(\/\\\/+$\/, '');\r\n    document.querySelectorAll('.tcm-mtig a.tcm-country-link').forEach(function(a){\r\n      var p = a.pathname.replace(\/\\\/+$\/, '');\r\n      if (p === here) a.style.setProperty('display', 'none', 'important');\r\n    });\r\n  } catch (e) {}\r\n})();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<h2 class=\"wp-block-heading\">Other useful links<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While you&#8217;re in Japan, <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-esim-for-japan\/\">you&#8217;ll need an eSIM<\/a> and you may want to <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/renting-a-car-overseas\/\">rent a car<\/a>. Don&#8217;t forget your <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-adapter-guide\/\">travel adapters either<\/a>!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Japan travel insurance FAQs<\/h2>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Is travel insurance mandatory for Japan?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">No. Japan doesn\u2019t currently require proof of travel insurance to enter. The Australian government strongly recommends it, though, because you\u2019ll pay the full cost of any medical treatment yourself.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does Medicare cover me in Japan?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">No. Australia has no reciprocal healthcare agreement with Japan, so Medicare won\u2019t cover any treatment you receive there.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Which travel insurance is best for Japan?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">It depends on your trip. For skiing, look for a policy with a snow sports add-on, and an off-piste tier if you\u2019ll leave the groomed runs. For families, look for free cover for kids. If you\u2019re on a tight budget and mainly want medical cover, a medical-only policy is the cheapest option.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does travel insurance cover skiing in Japan?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Only if you add snow sports cover. Most Australian policies exclude skiing and snowboarding unless you buy the optional add-on, and standard snow cover usually applies to on-piste skiing only.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Can I buy travel insurance after I arrive in Japan?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Some insurers let you buy cover once you\u2019ve left Australia, usually with a waiting period before claims are accepted. It\u2019s far better to buy before you leave, ideally as soon as you book.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">When should I buy travel insurance for Japan?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">As soon as you\u2019ve paid for flights or accommodation. Cancellation cover starts from the day you buy, so you\u2019re protected if something stops you travelling before departure.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does travel insurance cover typhoons and earthquakes in Japan?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Many comprehensive policies cover extra costs from natural disasters, such as cancelled flights or extra accommodation, as long as you bought the policy before the event became known. Check the PDS for the exact limits.<\/p>\n<\/div><\/div>\n\n\n<div id=\"rh-postel-87493152\" class=\"rh-flex-center-align rh-flex-justify-\">\n\t\t<style>\n\t\t\t#rh-postel-87493152 .heart_thumb_wrap .heartplus{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-87493152 .price_count{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-87493152 a.admin{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-87493152 .admin-name{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-87493152 a.admin img{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-87493152 nav.top_menu > ul > li{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-87493152 .admin_meta_el{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-87493152 .priced_block .btn_offer_block{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-87493152 .wpsm-button.medium{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-87493152 .menu-cart-btn{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-87493152 .price_count .rh_regular_price{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-87493152 .price_count del{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-87493152 .rh-header-icon{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-87493152 nav.top_menu > ul > li > a{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-87493152 .dl-menuwrapper button svg line{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-87493152 .dl-menuwrapper button{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-87493152 nav.top_menu ul.sub-menu > li > a{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-87493152 .heads_icon_label{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-87493152 .rh_woocartmenu-amount{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-87493152 .row_social_inpost span.share-link-image{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-87493152 .favour_btn_red .heart_thumb_wrap{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-87493152 .favour_in_row{\n\t\t\t\t\n\t\t\t}\n\t\t<\/style>                    <div class=\"author_detail_box clearfix\"><img alt='michael' src='https:\/\/secure.gravatar.com\/avatar\/256e32f2f5867573891f17366c8dd5f6358af8dff92dc7f5a4b2b53df73e2e5a?s=69&#038;d=mm&#038;r=g' srcset='https:\/\/secure.gravatar.com\/avatar\/256e32f2f5867573891f17366c8dd5f6358af8dff92dc7f5a4b2b53df73e2e5a?s=138&#038;d=mm&#038;r=g 2x' class='avatar avatar-69 photo' height='69' width='69' \/>                <style>\r\n                    .author_detail_box { background-color: #fff; border: 1px solid #ededed; padding: 20px 0px; margin: 5px auto 40px auto; position: relative; min-height: 90px;width: 100%}\r\n                    .author_detail_box a{text-decoration: none;}\r\n                    .archive .author_detail_box { margin: 0 0 10px 0 }\r\n                    .author_detail_box .avatar {width: 71px; position: absolute; left: 20px; top: 15px; }\r\n                    .author_detail_box > div { width: 100%;    padding: 0 20px 0 110px }\r\n                    .author_detail_box div .social_icon { border-bottom: 1px solid #eee; padding-bottom: 15px; margin-bottom: 15px; }\r\n                    .author_detail_box div h4 {margin: 0 0 8px 0;}\r\n                    .author_detail_box div p { font-size: 14px;line-height: 16px; color: #111111; margin: 0 0 10px 0 }\r\n                    .author_detail_box .rh_mycred-users-badges{display: inline-block; margin-right: 5px }\r\n                    .rtl .author_detail_box .avatar { left: inherit; right: 20px }\r\n                    .rtl .author_detail_box > div { padding: 0 110px 0 20px }\r\n                <\/style>\r\n                <div class=\"clearfix\">\r\n                                    \r\n                    <strong class=\"mb10\">\r\n                        <a href=\"https:\/\/thechampagnemile.com.au\/deals\/author\/michael\/\">michael<\/a>\r\n                                                \r\n                    <\/strong class=\"mb10\">\r\n                    <div class=\"social_icon small_i\">\r\n                        <div class=\"comm_meta_cred\">\r\n                                                                                <\/div>                     \r\n                        <a href=\"https:\/\/thechampagnemile.com.au\/deals\/\" class=\"author-social hm\" rel=\"nofollow\"><i class=\"rhicon rhi-home\"><\/i><\/a>                                                                                                                                                                                                                     <\/div>\r\n                    <p>Michael has been publishing deals and travel content for Australians for more than 10 years and runs the deals section of The Champagne Mile. With a Bachelor of Commerce and a background in commercial law, he reads the fine print so you don&#8217;t have to, from insurance PDSs to promo code terms. Every deal on the site is checked before it goes live and updated when offers change. When he&#8217;s not testing codes, he&#8217;s planning his next overseas trip or out on his dirt bike.<\/p>                    <p>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>","protected":false},"excerpt":{"rendered":"<p>Japan is one of the most popular overseas trips for Australians, and it&#8217;s an easy country to travel in. It&#8217;s also a country where you pay the full cost of any medical treatment yourself. Australia and Japan have no reciprocal healthcare agreement, so Medicare won&#8217;t help you in a Tokyo hospital or on a Niseko [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":102541,"parent":96339,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[],"tags":[],"class_list":["post-102532","page","type-page","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.4 - aioseo.com -->\n\t<meta name=\"description\" content=\"Compare Japan travel insurance for Australians: medical cover, ski and snowboard add-ons, pre-existing conditions and what a policy really costs.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"google-site-verification\" content=\"Lb-YNjKnkpLidK0Mw6a1JQ5pvIJpY2aovB5oxBuwgxo\" \/>\n\t<meta name=\"msvalidate.01\" content=\"81ff27c196c04306b8b6d2c52967f5e8\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-japan\/\" \/>\n\t\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 5.0.4\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_AU\" \/>\n\t\t<meta property=\"og:site_name\" content=\"THE CHAMPAGNE MILE\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Best Travel Insurance for Japan from Australia\" \/>\n\t\t<meta property=\"og:description\" content=\"Compare Japan travel insurance for Australians: medical cover, ski and snowboard add-ons, pre-existing conditions and what a policy really costs.\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-japan\/\" \/>\n\t\t<meta property=\"fb:admins\" content=\"522783484576523\" \/>\n\t\t<meta property=\"og:image\" 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If you\u2019re on a tight budget and mainly want medical cover, a medical-only policy is the cheapest option.","question":"Which travel insurance is best for Japan?","type":"aioseo\/faq"},{"hidden":false,"schemaBlockId":"aioseo-mvfzp9bidfmzw","tagName":"h3","answer":"Only if you add snow sports cover. Most Australian policies exclude skiing and snowboarding unless you buy the optional add-on, and standard snow cover usually applies to on-piste skiing only.","question":"Does travel insurance cover skiing in Japan?","type":"aioseo\/faq"},{"hidden":false,"schemaBlockId":"aioseo-mvfzpugxktl6k","tagName":"h3","answer":"Some insurers let you buy cover once you\u2019ve left Australia, usually with a waiting period before claims are accepted. It\u2019s far better to buy before you leave, ideally as soon as you book.","question":"Can I buy travel insurance after I arrive in Japan?","type":"aioseo\/faq"},{"hidden":false,"schemaBlockId":"aioseo-mvfzq9nsku54q","tagName":"h3","answer":"As soon as you\u2019ve paid for flights or accommodation. Cancellation cover starts from the day you buy, so you\u2019re protected if something stops you travelling before departure.","question":"When should I buy travel insurance for Japan?","type":"aioseo\/faq"},{"hidden":false,"schemaBlockId":"aioseo-mvfzqk125xh93","tagName":"h3","answer":"Many comprehensive policies cover extra costs from natural disasters, such as cancelled flights or extra accommodation, as long as you bought the policy before the event became known. Check the PDS for the exact limits.","question":"Does travel insurance cover typhoons and earthquakes in Japan?","type":"aioseo\/faq"}],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"none","isEnabled":true},"graphs":[{"id":"#aioseo-article-mvfyaecg","slug":"article","graphName":"Article","label":"Article","properties":{"type":"Article","name":"#post_title","headline":"#post_title","description":"","image":"","keywords":"","author":{"name":"#author_name","url":"#author_url"},"dates":{"include":true,"datePublished":"","dateModified":""}},"value":"article"}]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"seo_analyzer_scan_date":"2026-10-24 05:37:00","breadcrumb_settings":null,"limit_modified_date":0,"reviewed_by":"1","open_ai":null,"ai":{"faqs":[],"keyPoints":[{"title":"Medical costs in Japan must be paid by you","explanation":"Australia and Japan have no reciprocal healthcare agreement, so Medicare won\u2019t help in a Tokyo hospital or on a Niseko ski slope, meaning you pay the full cost of any medical treatment."},{"title":"No reciprocal healthcare agreement between Australia and Japan","explanation":"Medicare provides no coverage in Japan, so travelers should be prepared for full medical expenses regardless of the destination within the country."},{"title":"Guide focuses on Japan-specific travel insurance","explanation":"The guide compares travel insurers rated for Japan, clarifies the coverage you actually need, including for skiing and snowboarding, and identifies what influences policy prices."},{"title":"Skiing and snowboarding coverage matters","explanation":"Special attention is given to the types of coverage required for winter sports to ensure adequate protection while enjoying Japan\u2019s ski areas."},{"title":"Understanding what drives policy price","explanation":"The article explains the factors that affect the cost of travel insurance for Japan, helping travelers gauge value and choose appropriately."}],"schemas":[],"titles":[],"descriptions":[],"socialPosts":{"email":{"subject":"","preview":"","content":""},"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2026-10-20 00:31:32","updated":"2026-10-24 13:42:16","focus_keyword":"best travel insurance for japan","additional_keywords":null,"truseo_locale":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/\" title=\"Home\">Home<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/\" title=\"Guides\">Guides<\/a>\n<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/thechampagnemile.com.au\/deals\/"},{"label":"Guides","link":"https:\/\/thechampagnemile.com.au\/deals\/guides\/"}],"_links":{"self":[{"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/pages\/102532","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/comments?post=102532"}],"version-history":[{"count":11,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/pages\/102532\/revisions"}],"predecessor-version":[{"id":102661,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/pages\/102532\/revisions\/102661"}],"up":[{"embeddable":true,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/pages\/96339"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/media\/102541"}],"wp:attachment":[{"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/media?parent=102532"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/categories?post=102532"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/tags?post=102532"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}