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!
Japan travel insurance high-risk activity protection
MoneySmart Exclusive
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STARR Companies TraveLead Supreme Plan
- Medical Coverage (Overseas)
- HK$1,500,000
- Trip Cancellation
- HK$50,000
- Loss/Damage of Baggage
- HK$20,000
- Premium
- HK$2,100
【MoneySmart Exclusive Offer】
From September 23 to October 31, 2024, customers who successfully apply for a specific travel insurance policy can receive an Eskimo Global E-sim (1GB) redemption code (Value USD$7) within 14 days of submitting their redemption form.
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.
Online Promo
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
- PremiumPremium
HK$175030% Off - HK$1,225
Online Promo: Valid until 31 Dec 2024
【Dah Sing Insurance Enrollment Offer】
Get a 30% premium discount with promo code 'MS202403'!
Get a 30% premium discount with promo code 'MS202403'!
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
Avo Restful Travel Protection - Lite (Area 2)
- Medical Expenses
- HK$500,000
- Travel Cancellation
- HK$30,000
- Loss/Damage of Baggage
- HK$7,500
- PremiumPremium
HK$25320% Off - HK$202.40
【🎁 Avo 5th Year Anniversary Bonus Reward 🎉】Up to HK$1,100 Rewards !
Want to win HK$1,000 PARKnSHOP supermarket vouchers? apply for an Avo Travel Insurance of premium HK$200 or above, and be the 1st to submit the Claim Form on 31 October at 5PM!
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【MoneySmart Exclusive Offer】
Enjoy 20% 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$100 PARKnSHOP supermarket vouchers.
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
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.