Don’t forget to pack added peace of mind before leaving for Japan
Japan offers the allure of ancient culture, futuristic tech, thrills on powdery ski slopes, food sensations and buzzing nightlife. Like any trip of a lifetime, journeying to Japan can come with unexpected twists and turns.
Don’t let uncertainties take the shine off your trip. If you have our travel insurance by your side, you can enjoy your holiday with greater peace of mind.
Travel insurance just for Japan
Even in a safe country like Japan, natural disasters or other unexpected events can occur. It’s important to be prepared.
Compare our policies and choose the cover that’s right for your trip, so you can embrace this unique experience.
Understanding your cover
Any product information on this page is a summary only. For full details, please refer to the combined PDS/FSG and review each section for specific terms, conditions, exclusions, limits, and sub-limits, as well as any general exclusions that apply.
Overseas medical and hospital cover
Our medical cover provides reasonable overseas medical, hospital, dental and related expenses in Japan, and if necessary, medical evacuation.
24/7 emergency medical assistance
Emergency Assistance Team with a global network of doctors, nurses and logistical staff is available to help you 365 days per year.
Add-on ski and snow sports cover
If you plan to hit the slopes, you can include this extra cover in selected policies for an additional cost.
Trip delays, interruptions and cancellations
Cover to help with some of the costs incurred, depending on your level of cover and travel situation.
Luggage protection
Under our International Comprehensive plan, new for old luggage is covered up to $15,000, and luggage delay for up to $750.
Theft
There is cover under certain circumstances if money or luggage is stolen (provided it's not left unattended) and you can provide proof of ownership.
Natural disasters
Coverage for emergency expenses in the event of most unforeseen severe weather events and natural disasters.
Compare our Japan travel insurance policies
This table only provides a summary of the policy benefits. For full details, please refer to the combined PDS/FSG and review each section for specific terms, conditions, exclusions, limits, and sub-limits, as well as any general exclusions that apply.
| International Comprehensive .this is the choice. | International Essentials | Medical Only | |||
|---|---|---|---|---|---|
| (per Adult) | (per Adult) | (per Adult) | |||
| Cancellation Fees & Lost Deposits (Unforseen Circumstances) | |||||
| Cancellation Fees & Lost Deposits (Unforseen Circumstances) | $Choice of limit | $Choice of limit | Not Covered | ||
| Overseas Medical and Hospital | |||||
| Overseas Medical and Hospital | $unlimited* | $unlimited* | $unlimited* | ||
| Cash in hospital Sub-Limits apply | |||||
| Cash in hospital Sub-Limits apply | $6,000~ | $3,500~ | $1,500~ | ||
| Overseas Dental Sub-Limits apply | |||||
| Overseas Dental Sub-Limits apply | $unlimited* | $2,000 | $500 | ||
| Funeral Expenses Overseas Sub-Limits apply | |||||
| Funeral Expenses Overseas Sub-Limits apply | $20,000** | $15,000** | $10,000** | ||
| Luggage | |||||
| Luggage | $15,000 | $7,500 | $2,000 | ||
| Travel Documents Sub-Limits apply | |||||
| Travel Documents Sub-Limits apply | $5,000 | $1,500 | Not Covered | ||
| Luggage Delay Sub-Limits apply | |||||
| Luggage Delay Sub-Limits apply | $750 | $500 | Not Covered | ||
| Personal Money Sub-Limits apply | |||||
| Personal Money Sub-Limits apply | $500 | $250 | Not Covered | ||
| Emergency Expenses | |||||
| Emergency Expenses | $unlimited* | $25,000 | $5,000 | ||
| Accidental Death | |||||
| Accidental Death | $25,000** | $15,000** | Not Covered | ||
| Accidental Disability | |||||
| Accidental Disability | $25,000** | $15,000** | Not Covered | ||
| Your Legal Liability | |||||
| Your Legal Liability | $10,000,000 | $10,000,000 | $10,000,000 | ||
| Rental Car Excess | |||||
| Rental Car Excess | $8,000^ | $4,000^ | Not Covered | ||
| Loss of Income From Injury | |||||
| Loss of Income From Injury | $10,400 | $5,200 | Not Covered | ||
| Financial Default | |||||
| Financial Default | $10,000 | Not Covered+ | Not Covered | ||
| Travel Agent Fees Sub-Limits apply | |||||
| Travel Agent Fees Sub-Limits apply | $4,000 | $2,000 | Not Covered | ||
| Domestic Pets | |||||
| Domestic Pets | $650^~ | Not Covered | Not Covered | ||
| Domestic Services | |||||
| Domestic Services | $1,500^~ | Not Covered | Not Covered | ||
| Travel Delay | |||||
| Travel Delay | $3,000~ | $1,500~ | Not Covered | ||
| Hijack and Kidnap | |||||
| Hijack and Kidnap | $10,000**~ | $5,000**~ | Not Covered | ||
| Ski and Winter Sports Optional cover | |||||
| Ski and Winter Sports Overseas Medical and Hospital | |||||
| Ski and Winter Sports Overseas Medical and Hospital | $unlimited* | $unlimited* | Not Covered | ||
| Cash in hospital Sub-Limits apply | |||||
| Cash in hospital Sub-Limits apply | $6000~ | $3,500~ | Not Covered | ||
| Overseas Dental Sub-Limits apply | |||||
| Overseas Dental Sub-Limits apply | $unlimited* | $2,000 | Not Covered | ||
| Funeral Expenses Overseas Sub-Limits apply | |||||
| Funeral Expenses Overseas Sub-Limits apply | $20,000** | $15,000** | Not Covered | ||
| Equipment hire | |||||
| Equipment hire | $2,000^ | $1,000^ | Not Covered | ||
| Ski pack | |||||
| Ski pack | $1,000^ | $500^ | Not Covered | ||
| Piste Closure | |||||
| Piste Closure | $1,000^~ | $500^~ | Not Covered | ||
| Bad Weather and Avalanche | |||||
| Bad Weather and Avalanche | $1,000^ | $500^ | Not Covered | ||
| Lift Pass | |||||
| Lift Pass | $500 | $250 | Not Covered | ||
| Cruise Benefits Optional cover | |||||
| Cabin Confinement | |||||
| Cabin Confinement | $1,500~ | $1,500~ | Not Covered | ||
| Missed Port | |||||
| Missed Port | $150 | $150 | Not Covered | ||
| Missed Shore Excursion | |||||
| Missed Shore Excursion | $1,500 | $1,500 | Not Covered | ||
| Marine Rescue Diversion | |||||
| Marine Rescue Diversion | $500~ | $500~ | Not Covered | ||
| Get a quote Quote | Get a quote Quote | Get a quote Quote | |||
Explore optional ski and winter sports cover
Add ski and winter sports cover to your International Comprehensive or Essentials policy for Japan.
Why consider RAC for your Japan travel insurance
Make the most of your adventure, knowing you’re supported. Then you can soak up the culture, enjoy the serenity of the temples or carve a path on the ski slopes – the choice is yours.
RAC members save 15%
Enjoy the benefit of savings on your holiday to Japan. RAC members automatically save 15%.#
Optional extra snow sports cover
If the slopes are calling, add this cover to your policy for an additional cost. Choose cover only for the days you need it.
Kids & grandkids covered at no extra cost
Dependants aged 25 and under included free on your policy provided they meet specific criteria.††
Frequently asked questions
This section only provides a summary of the policy benefits. Review each section of the combined PDS/FSG for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.
The cost of travel insurance varies depending on the length of your trip, your age and other factors such as medical conditions. You can find the exact cost of insurance for your Japan holiday if you get a quote.
Any holiday comes with the risk of unexpected happenings – from illness and injury to theft and unforeseen delays. These can leave you with significant expenses or emergency assistance costs. Therefore, travel insurance is highly recommended for any trip, including Japan.
If you’re thinking of making multiple trips to Japan, consider a multi-trip plan.
You’re not automatically covered for skiing or snowboarding. For International single trips, you can add this cover for only the days that you're skiing or snowboarding, not for your entire trip. There's an extra cost for this and it's not available on some plans.
If you’re going on an international cruise to Japan, find out more about our cruise travel insurance. We'll help you understand your cruise cover options.
No, you can purchase travel insurance after booking your flight – but not after you depart.
We offer some coverage for emergency expenses if there’s a natural disaster or an unforeseen extreme weather event. Cover may include cancellations, delays, and additional expenses caused by these events. If you’re injured, you may be covered for overseas medical and hospital expenses and emergency help.
Check Smart Traveller website for all safety precautions and advice levels.
Yes, you can add an unlimited number of dependants to your policy. They’re included under your cover at no extra cost.††
Expect high-quality care and facilities if you need emergency medical treatment or hospitalisation in Japan. However, you may be expected to pay up-front and face significant costs. Our travel insurance will give you additional peace of mind in this situation, along with 24/7 medical assistance.
For tourism purposes, Australian citizens (and New Zealand citizens) who hold a valid passport can enter Japan visa-free for up to 90 days. If you hold a different passport, check with the Japanese Embassy in Canberra.
^^ Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to combined PDS/FSG for full details.
$unlimited* or unlimited* means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions.
** These limits are per person listed on your Certificate of Insurance.
^ These limits are per policy.
# Member discount applies to the premium payable (exluding GST, stamp duty and any other taxes). Offer can be withdrawn/amended at any time without notice.
†† Dependant means any of your children, stepchildren, foster children or grandchildren who are 25 years of age or under at the time you purchase your policy, financially dependent on their parents or grandparents, not working full time, travelling with you for your entire trip and listed on the Certificate of Insurance as your Dependant. Dependants can be covered at no extra cost if they have not disclosed any medical conditions requiring assessment. Terms, conditions, exclusions, limits and sub-limits apply. Refer to PDS for full details.
R.A.C. Travel Services Pty. Limited (ABN 17 009 164 176, AR No. 228577) (RAC) is an authorised representative of the RAC Travel Insurance insurer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine). Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455, AR No. 1313066) is an authorised representative of Tokio Marine, and administers RAC Travel Insurance as the managing agent on behalf of Tokio Marine. Terms, conditions (including eligibility criteria), exclusions, limits and sub-limits apply. Any advice is general advice only, and does not take into account your specific objectives, financial situation or needs. Before you purchase, please consider the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and Target Market Determinations (TMDs) available on RAC’s website, or on request from RAC.