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Best Travel Insurance for Japan: Suitable for Wedding Photography, Skiing, and Self-Drive Tours

Many Hongkongers will go skiing in Japan in winter. Wondering which travel insurance is the best for your next trip to Japan? You are in the right place! Although Japan is popular for self-drive tours, skiing, and wedding photography, its unpredictable weather may affect your plan! Which single-trip travel insurance best suits your needs? MoneySmart has handpicked several Japan travel insurance plans for you!
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Frequently Asked Questions

Will high-risk activities and sports be insured?

It depends on the nature and type of activities you participate in. Generally, travel insurance for your Japan trip does not cover professional sports or competitions. Therefore, when purchasing Japan trip insurance , it is important to pay special attention to the "exclusions". In recent years, more and more people participate in marathons in Japan, which are mostly not covered by Japan travel insurance . Even though the best travel insurance for Japan covers leisure and amateur activities, they often have age limitations in place, and many insurance companies set height limits for skiing. If you plan to engage in high-risk activities during your trip, it's recommended to check with the insurance company beforehand.

Which credit card provides the most value for shopping in Japan?

MoneySmart has compiled a list of travel credit card offers for you. Click to learn more.

Can I claim insurance if a natural disaster occurs at the destination after booking flights or hotels?

If you purchase Japan trip insurance immediately after booking flights or hotels, you will be compensated for your losses incurred by "trip cancellation" due to a natural disaster before departure. However, if you purchase travel insurance for your Japan trip after the occurrence of the natural disaster, you will not be covered. Therefore, it's advisable to buy Japan trip insurance right after booking flights or hotels.

What level of protection is provided if a natural disaster occurs at the destination?

General Japan trip insurance covers natural disasters, but compensation only applies if you buy the travel insurance for a Japan trip before the disaster occurs. Before purchasing, it is important that you understand the coverage in the event of a natural disaster, such as:
Trip Cancellation: If a natural disaster occurs at the destination within a specified number of days before departure, the insurance company generally compensates for non-refundable transportation and/or accommodation fees that you have already paid. You can apply for compensation by providing tickets, hotel, and related receipts.
Trip Curtailment: If the trip is cut short due to a natural disaster, your unused travel expenses, additional transportation, and accommodation costs will be compensated.
Travel Delay: If your flight is delayed for more than a specified number of hours due to a natural disaster, you may be compensated for the following:
  • Delay compensation
  • Extra hotel costs incurred outside of Hong Kong
  • Additional travel expenses
  • Loss of paid travel expenses
Different insurance companies set different arrangements, compensation amounts, and limits. It is important to understand the details before purchasing.

Should you purchase travel insurance for a self-drive tour?

If you plan a self-drive tour, it is important that you pay special attention to "rental car excess" in your Japan trip insurance. For example, in the MSIG iTravel Plus Plan A, the rental car excess is HK$5,000. If you accidentally damage a barrier while driving abroad, incurring a compensation of HK$7,000. MSIG will cover HK$5,000, and you only need to pay HK$2,000 in compensation.