Travel Insurance for Japan

Travel to Japan

Japan, 'The Land of the Rising Sun' is a mix of traditions and modern trends. From beautiful cherry blossoms in the spring to world leading ski resorts in the winter, Japan has a unique experience at every turn.

It's this unique culture and the unexpectedness that lures travellers to visit Japan time and time again.

Ready to discover the magic of Japan? When planning your holiday, consider the benefits of Allianz Travel Insurance. Designed to cover you for overseas emergency assistance, overseas medical and hospital expenses and more¹.

What's covered for your trip to Japan?

Allianz Basic, Comprehensive and Multi-trip plans are available to choose from for your travel to Japan. Each plan provides various levels of cover, depending on your needs.

This is a limited summary of some of our Travel Insurance plans only. Terms, conditions, exclusions, limits, and applicable sub-limits apply. These are set out in the Policy Wording.

Basic Travel Insurance^1,2

Our plan to cover just the essentials on your trip to Japan

Overseas Emergency Assistance
Overseas Medical & Hospital Expenses
Personal Liability

comprehensive travel insurance for japan

Comprehensive Travel Insurance^1,2,3

Our highest level of cover for your trip to Japan

Overseas Emergency Assistance, Medical & Hospital Expenses
Unexpected trip cancellation or delays
Loss of or damaged luggage

Annual Multi-trip Travel Insurance^1,2,3

Our plan for frequent trips to Japan

Overseas Emergency Assistance, Medical & Hospital Expenses
Unexpected trip cancellation or delays
Loss of or damaged luggage

It's important to note that coverage and benefits limits can vary depending on the policy you choose. Therefore, it's important for you to consider the Policy Wording before making any decisions about your travel insurance.   

Conditions apply

Terms, conditions, limits, sub-limits and exclusions apply, and these are set out in the Policy Wording.
Policy terms, conditions, limits, sub-limits, and exclusions apply to particular types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions for epidemics and pandemics. That means we do not cover claims that arise from, or are related to, an epidemic or pandemic.
However, you are covered under selected benefits in this product if, during your period of cover, you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the Policy Wording to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits, sub-limits, and exclusions that apply.
Terms, conditions, limits, sub-limits, and exclusions apply, and these are set out in the Policy Wording. Cancellation cover is only available on Comprehensive and Multi-Trip Plans. Refer to Cancellation and General Exclusions sections of the Policy Wording for full details.

Going skiing or snowboarding in Japan?

With at least 4 months of regular snowfall each year, Japan is one of the most reliable snow and ski destinations in the world. From November to April, almost every day is powder day, with regular snowfalls – up to 50cm – leaving fresh runs at all ski fields.

Snow sport activities aren’t automatically covered with a standard travel insurance policy.

If you're participating in snow sports while in Japan, consider purchasing an optional Snow Pack for an additional premium when you buy an Allianz Comprehensive or Multi-trip plan^1,4.

Getting adventurous in Japan?

Popular adventure activities in Japan include hiking and trekking on Mt. Fuji and ancient trails, or water sports like rafting, kayaking, and diving in Okinawa and other coastal areas.

Allianz Travel Insurance automatically covers adventure activities like hiking (altitudes up to 3,000 metres) and surface water sports (in rapids graded I to III or up to 2 nautical miles from land)¹.

However, if you plan to get more adventurous, you should consider purchasing an Adventure Pack as an optional add-on to our Comprehensive and Multi-trip plans^1,4.

For a full list of automatically included sports and activities, as well as what is covered by the Adventure Pack, read the Policy Wording.

Travel Tips for Japan

Health and safety in Japan

Japan is a very safe country for travellers. It’s a country obsessed with cleanliness, the tap water is safe to drink and food hygiene standards are very high.

Your biggest risk is the natural disasters that sometimes hit Japan like typhoons, volcanic eruptions, tsunamis and earthquakes. The typhoon season runs from approximately May to November.

Always refer to SafeTravel for current travel alerts affecting Japan before you buy your travel insurance policy, as well as before you leave New Zealand, and during your stay.

Getting around Japan

Japan has one of the most efficient public transport systems in the world, especially in metropolitan areas. If a train says it is going to depart at 10:28 am, it will leave precisely at 10:28 am and zero seconds. But if you miss it, don’t worry, there will be another one arriving on time very soon. You’ll find that the buses, metros and bullet trains will take you almost anywhere that you want to go, on time, every time.

Best time to visit Japan

Spring, which runs from March to May is the best time to visit Japan for the cherry blossoms and the warm, dry temperatures. Of course, if you're chasing snow, the best time to take full advantage of the ski season is between December and February.

Unique experiences in Japan

Tokyo

Deep dive into pop culture in Akihabara, Harajuku street style, and the neon nightlife of Shinjuku and Shibuya.
Visit Ginza, Tokyo's most glamorous shopping district.
Focus on cultural highlights like the Tokyo National Museum and a Sumida River cruise.

Hokkaido

World-class powder skiing and vibrant après-ski scene in Niseko.
Discover the magic of Tokyo DisneySea, the whimsical Ghibli Museum, and interactive fun at teamLab Borderless.
Get hands-on with sushi-making or samurai classes.

Japanuse Alps

Hiking ancient pilgrimage trails and relaxing in a traditional onsen.

Kyoto & Osaka

Explore the Arashiyama Bamboo Grove and meet wild monkeys.
Spend a full day at Universal Studios Japan, especially the Super Nintendo World.
Take a leisurely tour of iconic temples, such as Kiyomizu-dera Temple or Kinkaku-ji (Goldern Pavillion).
Attend a traditional Geisha performance and explore Nishiki Market.

Hakone

Relax with a pirate ship cruise on Lake Ashi.
Enjoy the Hakone Open-Air Museum.
Stay at an onsen resort with breathtaking views of Mt. Fuji.

Ready to get your Travel Insurance for Japan?

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Frequently Asked Questions

1. Do I need travel insurance for Japan?

Even though Japan is a very safe country for travellers, travelling always comes with risks. Travel insurance can cover unforeseen events that may disrupt or affect your trip, such as medical emergencies, trip cancellations, lost luggage, or other unexpected incidents.

You can compare Allianz Travel Insurance plans to determine which product best suits your needs.

2. Does travel insurance for Japan provide cover for natural disasters?

Allianz Travel Insurance Comprehensive and Multi-trip plans can cover you for trip cancellation.

If you’re already travelling in Japan and a natural disaster occurs, you may be covered for travel delays, lost prepaid trip expenses and additional costs like meals, accommodation and transportation. If you are injured during a natural disaster while you’re in Japan, you may be covered for overseas emergency assistance and medical and hospital expenses.

Always read the Policy Wording for full information.

3. Am I covered for adventure or snow activities in Japan?

Allianz Travel Insurance policies automatically include some activities. For adventure activities like riding a moped, zip lining or abseiling, consider buying an Adventure Pack for an additional premium^1,4.

If you’re skiing or snowboarding in Japan, consider adding an optional Snow Pack to your Comprehensive or Multi-Trip Travel Insurance policy for an additional premium^1,4.

Read the Policy Wording for a full list of sports and activities automatically included, and what activities the Adventure Pack is designed to cover.

4. What happens if I get food poisoning in Japan?

Generally, food is safe - and tasty - in Japan. However, if you do happen to get food poisoning and need emergency medical attention, this may be covered under an Allianz Basic, Comprehensive or Multi-trip plan. If your illness means you miss out on connecting flights or other pre-booked transportation, or you have to stay in Japan for longer, depending on your level of cover, your policy may cover additional accommodation and expenses involved in changing flights.

5. When should I buy travel insurance for Japan?

It’s your choice when you buy travel insurance. When considering travel insurance, keep in mind:

You can buy our travel insurance up to 12 months in advance.
You must purchase your policy before you start your journey. Your journey starts when any traveller named on the Certificate of Insurance leaves home or work in New Zealand to begin travel.
Depending on the plan you choose you may have trip cancellation cover, which covers unexpected trip cancellation, rescheduling or shortening from the date your Certificate of Insurance is issued.

Consider buying Allianz Travel Insurance as soon as you’ve booked and paid for some or all your trip as you may be covered for some events before you depart.

AAA	Extremely Strong	BB	Marginal	R	Under Regulatory Supervision
AA	Very Strong	B	Weak	SD	Selective Default
A	Strong	CCC	Very Weak	D	Default
BBB	Good	CC	Extremely Weak	NR	Not Rated

Travel to Japan