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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Japan travel insurance high-risk activity protection

Medical Coverage (Overseas)
HK$1,500,000
Trip Cancellation
HK$50,000
Loss/Damage of Baggage
HK$20,000
Premium
HK$2,080
STARR "Bonour Travel" covers skiing and other high-risk leisure activities, and there is no height limit. Coupled with high overseas medical insurance, the journey will be more secure.
MoneySmart Exclusive
Promo code "MS202401"
MoneySmart Exclusive
Promo code "MS202401"

Dah Sing Insurance JourneySure Travel Insurance - Gold

Medical Expenses
HK$500,000
Trip Cancellation
HK$20,000
Loss/Damage of Baggage
HK$15,000
Premium
PremiumHK$175030% Off
HK$1,225

【MoneySmart Exclusive Offer】
MoneySmart customers who successfully apply for specific Travel Insurance plan during the promotional period will be entitled to:

- 1st customer who successfully submit the claim form can earn: POLAROID Now+ i-Type Instant Camera ;
- 2nd to 50th customer who successfully submit the claim form can earn: HK$20 Airsim Credit

Valid until 31 Jul 2024
Dah Sing's "Smart Travel" travel protection plan covers leisure or leisure activities during the trip, including skiing, hot air ballooning, skydiving, scuba diving, mountain climbing, etc.

Planning a road trip in Japan? Check out self-driving travel insurance now!

Wedding Photography Travel Insurance Recommendation

MoneySmart Exclusive
Sponsor
Medical Expenses
HK$500,000
Travel Cancellation
HK$30,000
Loss/Damage of Baggage
HK$7,500
Premium
PremiumHK$24125% Off
HK$180.75

【MoneySmart Exclusive Offer】
Enjoy 25% discount on Avo Travel Insurance via MoneySmart! And within the promotional period, who successfully apply for an Avo Travel Insurance of premium HK$200 or above will be entitled to one complimentary HK$50 Park-N-Shop e-Coupon.

Valid until 31 Aug 2024
Avo travel insurance provides additional coverage for wedding photography and wedding, which covers the bankruptcy of the wedding service provider and the loss of wedding clothes.

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.