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Finding the Right Travel Insurance for Japan

Here’s what you need to know about travel insurance for Japan, with a comparison of some of the options available—including those that you can book when you’ve already started your trip.

A short but necessary disclaimer: Getting travel insurance is important, but we can’t make the decision for you. We can only provide information to hopefully make that decision a bit easier. Also, please note that we do not sell or provide insurance ourselves.

Note: Antibody tests and PCR tests needed for travel purposes are generally not covered by travel insurance. As always, read the T&Cs carefully!

• Do I need travel insurance for Japan?
• Coverage for flight delays & lost luggage
• Japan travel insurance essentials
• Compare travel insurance providers for your trip to Japan

Japan travel insurance FAQs

You are ready for the adventure of a lifetime in japan what could possibly go wrong a lot, actually..

Apart from the obvious travel disasters (think lost luggage, pinched passports or canceled flights), getting sick abroad is, unfortunately, a possibility—and one you’d be well-advised to insure yourself against.

While getting a basic prescription for medicine in Japan is generally affordable out of pocket, more serious medical considerations like hospitalization or transport back home can easily run into the thousands of dollars (US). Having a travel insurance policy can give you some peace of mind, and is something most travel experts recommend. We may be Cheapos, but we believe in playing it safe.

Do I really need travel insurance for Japan? I heard it is one of the safest countries in the world.

Good point. Japan is ranked as one of the safest countries in the world, with extremely low reported crime rates. But, while you may not have to worry too much about your stuff getting stolen, there are other things to consider, besides falling ill.

For example, Japan is frequently hit by typhoons . The typhoon season generally runs from late July to early October, but has started earlier and finished later in recent years. A big typhoon can lead to canceled flights, long delays or canceled trips and tours. There are also earthquakes and other concerns .

Aren’t delayed flights and lost luggage covered by airlines?

Almost all airlines will reimburse you for lost and delayed luggage, as well as canceled flights. But you’ll need to check the conditions on your ticket carefully, to be sure. While most travel insurance policies offer this as part of the package, you probably don’t need to double-insure yourself on this.

But things become fuzzier for your trip overall; think about the bullet train tickets and tours you might book in Japan. While you can often get refunds for tours canceled due to bad weather, you might be stuck with hotel and transport bookings that you don’t need anymore if your tour is called off. Many travel insurance policies click into gear in this case.

COVID-19, Japanese encephalitis and other health concerns

In light of the coronavirus (COVID-19) pandemic, many travelers are understandably worried about their upcoming travel plans. More on that below.

An older concern is Japanese encephalitis, which can be contracted via mosquito bites across most of Asia—not only in Japan. Luckily, it is extremely rare. It is estimated that less than one in a million travelers to Asia will contract the disease, and for most humans, it will be asymptomatic. A vaccine is available, but only recommended for those who will stay longer than one month in high-risk areas. Generally, bug-bite prevention is recommended as a first-line defense.

Other than that, it’s generally advisable to check that all your vaccines are up to date before embarking on your Japan trip.

Travel insurance and cancelations due to COVID-19

You might be wondering if your insurance covers cancelations due to COVID-19. In short, it will vary depending on your insurance provider. As always, check with your travel insurance provider and read the fine print and special conditions carefully. Never assume anything!

Travel insurance for Japan: What should your policy cover?

Generally speaking, the biggest items when it comes to travel incidents are medical expenses and emergency evacuations, which can run into the tens and even hundreds of thousands of dollars. So check that the Japan travel insurance or Japan travel health insurance policy you sign up for provides enough cover to make you feel comfortable.

Keep in mind that medical expenses really are for unforeseen situations and emergencies like accidents, or getting sick on the road. Medical tourism, check-ups or preventative treatments are usually not covered.

Anything else you might want to add to your travel insurance policy for Japan depends on what your itinerary looks like.

Comparing Japan insurance options for different types of travelers

Just a quick note before we get into it (another disclaimer): Always read the policy wording for any insurance very carefully before signing up. Terms and conditions can change over time, and also differ depending on factors like your age, country of residence, or how high you want your cover to be. 

We can’t recommend one best Japan travel insurance policy for everyone because we all travel differently, but we hope this overview is a starting point for you to find travel insurance for Japan that suits you, personally, best. Also, prices are subject to change.

Travel medical insurance: SafetyWing

SafetyWing offers travel medical insurance at affordable rates, starting from approximately US$42 for four weeks, for travelers under 40.

What is different about their plan is that you can extend it indefinitely, until it reaches the maximum of 364 days — after which you can renew your policy. This makes it an interesting choice for long-term travelers and digital nomads. SafetyWing rolled out their travel medical insurance a few years ago and recently added other health insurance products for those without a fixed residence in one country.

A bonus is that you can kick off your SafetyWing travel medical insurance plan any time, even when already on the road . Besides emergency medical, their policy also covers the travel basics, including trip interruption, personal liability and lost luggage. Since August 1, 2020, SafetyWing has also covered COVID-19, and from April 15, 2021, unplanned quarantine is covered, too.

While it may be a fairly new kid on the insurance block, founded in 2017, SafetyWing is underwritten by Tokio Marine, one of the biggest underwriters in the world.

Another option for Southeast Asians: FWD

If you are from Singapore, Thailand, Vietnam, Malaysia, Indonesia, Hong Kong , Macau, Cambodia or the Philippines, you might want to take a look at FWD for travel insurance. Another fairly new insurer, they are expanding throughout Asia and seem to offer some of the cheapest plans we could find online, starting from approx. ¥ 2,200 for a single trip to Japan.

Their plan ticks all the usual travel insurance boxes, including medical evacuation cover, which is unlimited. It also seems to cover skiing—but confirm this with them.

Two other Japan travel insurance options: Atlas International and Travelex

Starting at approximately ¥ 1,800 for a two-week trip to Japan, Atlas International is available to citizens of most countries. They offer you the option to play with the sliders, so you can e.g. add a deductible to bring down the premium or push up the cover if you are happy to pay a bit more.

Travelex has been around for quite a while and is a popular choice with North Americans. They have a good reputation and their starting rates are affordable; however, their medical expense cover for US citizens might be a bit low, depending on your needs.

Japan travel insurance comparison chart

Here is a quick, rough comparison of the different insurers we’ve mentioned that offer cover for trips to Japan for global citizens. Remember, all prices are approximate and subject to change and will vary depending on your age, country of residence, length of stay and specific circumstances! Where basic vs. extended plans were available, we picked basic for the sake of comparison.

Scroll to see all the options, if they don’t show up on your screen.

Coverage overview

This is intended as a very brief overview only. Always check the coverage and T&Cs carefully on your own!

Notes on the insurers: Allianz Travel offers three different levels of coverage from Bronze to Silver, with varying premiums and covers. Available to residents of Singapore. --> SafetyWing has a higher premium for those over 39 years of age. Travelex is a US insurer, but available for global citizens. Conditions may vary by country of residence, age and—notably—the total value of your trip that you want to insure. FWD is available to citizens of 10 Asian countries and regions: Singapore, Malaysia, Cambodia, Indonesia, Vietnam, Thailand, the Philippines, Hong Kong, Japan and Macau, though the available insurance products differ by location.

You ask, we answer.

Is travel insurance required for Japan?

Generally, no—travel insurance is strongly recommended , rather than required, for Japan.

How much is travel insurance to Japan?

The cost of travel insurance for Japan depends on which provider you use for your policy. As a rough guide, it can range from ¥ 1,000 to ¥ 8,000 for a one-week trip, depending on your age, place of residence, itinerary, and preferences.

If you are under 40, a month-long travel medical insurance policy through SafetyWing will set you back approximately ¥ 4,700 , or 42 USD. It’s a good idea to compare multiple policies to work out which is the best deal for your visit to Japan.

What’s the best travel insurance in Japan for foreign residents?

If you are a foreign resident of Japan, looking for travel insurance for your upcoming trip OUT of Japan, you have access to the insurance providers listed above, as well as local providers. If you have a Japanese credit card , you could start by asking whether any travel insurance is provided through that, and go from there.

Post first published in February, 2020. Last updated in December, 2021.

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AIG Travel Guard Insurance Review: What to Know

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

Coronavirus considerations

Travel insurance plans offered by aig travel guard, how to buy a travel guard policy, additional travel insurance options and add-ons, what’s not covered by a travel guard plan, who should get a travel guard insurance policy, travel guard, recapped.

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

As one of the world’s largest insurance companies and with a 100-year history, it makes sense that AIG would offer travel insurance. AIG’s travel insurance program, called Travel Guard, provides a number of coverage options to offer peace of mind on your trips.

Travel insurance helps you get some money back if anything goes wrong on your trip. If you’re thinking about buying coverage for an upcoming trip, first look into the coverage you may get from your travel credit cards . Many basic protections are offered on cards that you may already have.

If you’re looking for additional coverage, AIG travel insurance is a solid choice. Consumers Advocate rated AIG’s plans at 4.4 stars out of 5 stars.

» Learn more: The majority of Americans plan to travel in 2022

Importantly, if you catch COVID-19 before or during your trip, you will be covered under Travel Guard’s trip cancellation benefit. If you become sick with COVID-19 during the trip, the medical expenses and trip interruption benefits will kick in. However, Travel Guard considers COVID-19 a foreseen event and as a result, certain other coronavirus-related losses may not be covered. Given the constantly evolving travel environment, review the Travel Guard’s coronavirus coverage policies so that you’re award of what is and isn’t covered.

Here’s what you need to know about AIG's Travel Guard insurance plans.

AIG travel insurance’s Travel Guard plans cover you if you need to cancel (or interrupt) your trip due to illness, injury or death of a family member. Inclement weather that causes a trip delay or cancellation is covered by all Travel Guard policies as well.

Travel Guard offers three main AIG travel insurance plans, plus a host of add-on options. Here are the most essential benefits:

Travel Guard Essential - The most basic level of coverage

Covers 100% of the cost of your trip if it gets canceled or interrupted due to illness.

Includes a $100 per day reimbursement for any delays in your trip (max $500 total).

Covers up to $15,000 in medical expenses ($500 dental), plus a $150,000 maximum for emergency medical evacuation.

Covers up to $750 in compensation for stolen luggage and a maximum of $200 if your bags get delayed by more than 24 hours.

Travel Guard Preferred - This midlevel plan gives many of the same basic coverages as the Essential, but at higher levels.

Trip cancellation pays out at 100%. If your trip gets interrupted, you’ll get 150% of the cost of the trip.

Trips delayed by more than five hours will get you up to $800 ($200/day).

You’ll be covered up to $50,000 for medical expenses ($500 dental) and up to $500,000 for emergency evacuation.

This plan offers $1,000 for lost or stolen bags and $300 for baggage delays longer than 12 hours.

Travel Guard Deluxe - The biggest benefits can be found in this highest level plan.

Like the Preferred, you’ll get 100% coverage for trip cancellation and 150% of the cost of your insured trip in the event of a trip interruption.

Up to $1,000 ($200/day) for a trip delay of five hours or more.

Up to $100,000 for medical expenses ($500 dental), $1,000,000 for emergency evacuation and $100,000 in coverage for a flight accident.

Coverage for lost or stolen bags jumps up to $2,500 and $500 for baggage delay of more than 12 hours.

A long list of "Travel Inconvenience Benefits" are also included (such as runway delays, closed attractions, diversions, etc.)

This plan also offers roadside assistance coverage for the duration of your trip, which isn't included in the other two plans.

» Learn more: How to find the best travel insurance

Travel Guard’s website is simple to navigate and provides instant quotes that clearly spell out what's covered. You’ll need to enter basic information about the trip you want coverage for, including:

Destination.

How you’re getting there (airplane, cruise or other).

Travel dates.

Your home state.

Date of birth.

How much you paid for the trip.

The date when you paid for the trip.

Once you answer the questions, you’ll instantly get price quotes for different options of insurance for your trip. Each column clearly shows what’s covered for all options in a long list, so you can quickly compare.

This example shows options based on a two-week $5,000 trip to Spain for someone who is 40 years old. In this case, the mid-tier plan costs about 6% of the total trip cost.

It’s also important to know that plan offerings change based on what state you live in; not all states are covered.

If you purchase a Travel Guard plan and need to file a claim, you can do it on their website or by calling (866) 478-8222. You can also track the status of the payment of your claim on the site.

If you’re planning multiple trips that you would like covered, look at Travel Guard’s Annual Travel Insurance Plan. This 12-month option covers multiple trips and could save you money over insuring each trip separately.

Another option is the "Pack and Go" plan, which is a good choice if you’re going on a last-minute getaway and don’t need trip cancellation protection.

There are also options to add rental vehicle damage coverage, Cancel For Any Reason coverage, and medical and security bundles to the plans. You’ll be able to select these add-ons when you’re purchasing a policy.

» Learn more: Cancel For Any Reason (CFAR) travel insurance explained

While the Essential, Preferred and Deluxe plans all offer varying degrees of coverage for your trip, there are some things that won’t be covered by any of the plans. Here are a few highlights of things that aren't included; you’ll find full lists on each policy:

Coverage for trips paid for with frequent flyer miles or loyalty rewards programs: Travel Guard will only protect the trips you pay for with cash. If you’re redeeming your points for that bucket list trip, unfortunately, you won’t qualify for coverage. However, the cost of redepositing miles back into your account is covered.

Baggage loss for eyeglasses, contact lenses, hearing aids or false teeth: These items should be kept with you in your carry-on as a general rule, since a Travel Guard policy won’t cover them.

Known events: If you knowingly book a trip with some inherent risks, it won’t be covered. For example, once the National Weather Service issues a warning for a hurricane, it becomes a known event. Once COVID-19 became a pandemic, it was categorized as a foreseeable event and was no longer covered. You can cancel the policy you purchase up to 15 days prior to your trip to receive a refund for the premium paid.

» Learn more: Does travel insurance cover award flights?

Many trips may be sufficiently covered by your credit card benefits, but you should do research to see which cards provide the best options (and remember to use that card to book the trip).

However, if you’re planning major international travel or embarking on a big cruise trip, Travel Guard's Preferred and Deluxe plans may offer better coverage than your credit card. Overall, Travel Guard plans offer a variety of coverage options with an easy-to-navigate website that could be a good fit for your next trip.

If you’re not finding what you’re looking for with a Travel Guard plan, check out an insurance comparison site like Squaremouth, where you will have a lot of different plan options to choose from.

» Learn more: Is travel insurance worth it?

Travel Guard offers several trip insurance plans with varying degrees of coverage. Some plans also allow you to purchase optional upgrades such as CFAR and auto rental coverage. Plan availability differs by state, so make sure you input your trip details to see what plans are available to you.

If you have a premium travel credit card, you may already have some elements of travel insurance coverage included for free. Before you decide to purchase a comprehensive policy, check what coverage you may already have from your credit card.

Travel Guard’s insurance plans offer trip cancellation, trip interruption, emergency medical coverage and evacuation, baggage delay, baggage loss, and more. Some policies may also allow you to add on benefits like Cancel For Any Reason and car rental damage coverage.

If you need to cancel your trip for a covered reason (e.g., unforeseen sickness or injury of you or your family member, required work, victim of a crime, inclement weather, financial default of travel supplier, etc.) you will be covered. To see the whole list of covered reasons, refer to the terms and conditions of your policy.

To get a refund, you will need to file a claim by either calling (866) 478-8222 or submitting it online at its claims page . You may be required to provide verifying documentation to substantiate your claims so keep any receipts that you intend to submit. You can also check the status of your claim at any time on Travel Guard’s website .

The Cancel For Any Reason optional upgrade is available on certain Travel Guard plans. Travel Guard’s CFAR add-on allows you to cancel a trip for any reason whatsoever and get 50%-75% of your nonrefundable deposit back as long as the trip is canceled at least two days prior to the scheduled departure date.

To get a refund, you will need to file a claim by either calling (866) 478-8222 or submitting it online

at its claims page

. You may be required to provide verifying documentation to substantiate your claims so keep any receipts that you intend to submit. You can also check the status of your claim at any time

on Travel Guard’s website

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

• AIG Travel Guard Overview
• AIG Travel Guard Plans

AIG Travel Guard Cost

How to file a claim with aig travel guard, compare aig travel guard, aig travel guard frequently asked questions.

• Why You Should Trust Us

AIG Travel Guard Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

AIG Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits. If you're looking for travel insurance, consider Travel Guard .

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

AIG Travel Guard Travel Insurance Review

AIG Travel Guard is among the best travel insurance companies with impressive coverage limits, even with its basic plan, Travel Guard Essential. It's emergency medical evacuation coverage is particularly high, making Travel Guard a good choice for insuring cruises, as sea to land evacuations are often expensive. 

Additionally, Travel Guard's Premium and Deluxe plans offer coverage that many of its competitors don't, such as its travel inconvenience coverage and ancillary evacuation coverage.  

That said, Travel Guard is on the pricey side, compared with its competitors. While age is often a factor in your insurance premiums, Travel Guard tends to quote older travelers higher rates than its competitors. However, you often get what you pay for. In Travel Guard's case, you'll find that its coverage justifies its higher rates. 

While great coverage is important, it's also crucial that an insurance company has a smooth claims process, which Travel Guard lacks, according to its customer reviews. Across 135 reviews on its Trustpilot page, AIG Travel Guard received an average of 1.2 stars, with 95% of reviewers giving the company one star. Surprisingly, AIG Travel Guard fares even worse with the Better Business Bureau, receiving an average of 1.08 stars out of five across 301 reviews. 

Coverage Options Offered by AIG Travel Guard

AIG Travel Guard offers three primary plans: Travel Guard Essential, Travel Guard Preferred, and Travel Guard Deluxe. Each plan has different coverage limits and various types of protection.

Here's a look at what you'll get with each plan:

Depending on the policy you select, there are also additional coverages that my be included at no extra charge, like pre-existing conditions waiver, single occupancy fee coverage, worldwide travel and medical assistance services, and more. Be sure to check each policy closely to see what is and isn't covered.

Each of these plans also include coverage for one child under 17 as long as their travel costs are equal to or under the adult's cost. Additional coverages do not apply to the child.

AIG Travel Guard Pack N' Go Plan

In addition to these three primary plans, Travel Guard offers the Pack N' Go policy along with an Annual plan. This policy is for last-minute travelers who don't need trip cancellation coverage.

This plan includes:

• Trip interruption and trip delay ($200 per day maximum) up to $1,000
• Missed connection up to $500
• Baggage delay up to $200 and baggage coverage up to $1,000
• Medical expenses up to $25,000 and dental expenses up to $500
• Emergency evacuation and repatriation of remains up to $500,000.

AIG Travel Guard Annual Plan

Taking multiple trips throughout the year? Consider the Travel Guard Annual plan instead of purchasing a new policy for each adventure. This plan comes with coverage for: 

• Trip interruption coverage  up to $2,500
• Trip delay coverag e up to $1,500 ($150 per day maximum)
• Missed connection coverag e up to $500
• Baggage delay coverage up to $1,000 and lost/damaged baggage coverage up to $2,500
• Medical expenses coverage up to $50,000 and dental expenses up to $500
• Emergency evacuation coverage and repatriation of remains up to $500,000
• Accidental death and dismemberment coverage up to $50,000 and security evacuation up to $100,000

Additional Coverage Options from AIG Travel Guard

Like many other travel insurance providers, Travel Guard offers add-ons for an additional cost. These can be selected while you're purchasing your policy.

The availability of these add-ons depends on the policy you're buying. Note also that some are already included in the Preferred and Deluxe plans. 

• Medical bundle — Increases coverage amounts for medical expenses and evacuation and adds hospital of choice and additional evacuation benefits.  
• Security bundle — Provides various coverages for trip interruption or cancellation due to riot or civil disorder.  
• Rental vehicle damage coverage — Reimburses a predetermined amount for physical damage to a rental car in the policy holder's name. 
• Cancel for Any Reason Insurance (CFAR) — This is just what it sounds like. Cancel for any reason coverage will reimburse 75% of nonrefundable expenses when you cancel your trip for any reason, up to 48 hours before your scheduled departure. CFAR coverage is only available for Travel Guard's Deluxe and Preferred plans. 
• Inconvenience bundle — Offers reimbursement for inconveniences like closed attractions, credit/debit card cancellation, hotel construction, and more.
• Pet bundle coverage — Daily travel benefit for boarding and medical expense coverage for illness or injury of dog or cat. Includes trip cancellation or interruption coverage if the pet is in critical condition or dies within seven days before the departure date.
• Adventure sports bundle — Removes the exclusions for adventure and extreme activities.
• Baggage bundle — Your baggage coverage with AIG becomes primary with increased coverage and baggage delay benefits. 
• Wedding bundle — Provides trip cancellation coverage due to wedding cancellation (brides and grooms not covered).
• Name a family member bundle — One person can be named as a Family Member for the purpose of family member-related unforeseen event coverage.

How to Purchase and Manage Your AIG Policy

Getting a quote from AIG Travel Guard is quick and easy. Head to AIG website and enter basic information about the trip you're looking to cover. You'll get an instant quote for the insurance plans available for your trip, so it's easy to compare each option. Be prepared to provide information including:

• Your state of residence
• Date of birth
• The cost of your trip
• Travel dates
• Destination
• Method of travel

We ran a few simulations to offer examples of how much a Travel Guard policy might cost. You'll see that costs usually fall within 5-7% of the total trip cost, depending on the policy tier you choose.

As of April 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  Travel Guard travel insurance quotes:

• Travel Guard Essential: $86.96
• Travel Guard Preferred: $152.01
• Travel Guard Deluxe: $188.59

Premiums for Travel Guard's various single trip plans are between 2.8% and 6.3%, well within, and even below, the average cost of travel insurance .

A 30-year-old traveler from California is heading to Japan for two weeks, costing $4,000. The Travel Guard travel insurance quotes are:

• Travel Guard Essential: $198.77
• Travel Guard Preferred: $240.39
• Travel Guard Deluxe: $305.04

Premiums for Travel Guard's various single trip plans are between 5% and 7.6%, within the average cost for travel insurance.

A couple of 65-years of age looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following Travel Guard quotes:

• Travel Guard Essential: $471.10
• Travel Guard Preferred: $618.22
• Travel Guard Deluxe: $834.78

Premiums for Travel Guard's various single trip plans are between 7.9% and 13.9%, which is significantly higher than the average cost. That said, travel insurance is often more expensive as you get older. 

AIG Travel Guard Annual Plan Cost

Getting a quote for the annual plan requires much less information, only asking for the intended policy start date, your state of residence, and how many people you plan to insure. Quotes from AIG remained at $259 per traveler, regardless of state of residence and number of travelers.

Filing a claim with Travel Guard is a straightforward process. You'll need your policy number and can either go to travelguard.com or call Travel Guard at 866-478-8222 to start the claim. Once submitted, you can check the status of your claim at claims.travelguard.com/status.

See how AIG Travel Guard stacks up against the competition and find the right travel insurance policy for you. 

AIG Travel Guard vs. Nationwide Travel Insurance

Nationwide is a household name when it comes to insurance providers and one of the largest and most-recognized insurance providers in the US. Similarly to Travel Guard , Nationwide makes it easy to find coverage by offering just two single-trip plans: the Essential and Prime plan.  

In addition, Nationwide offers plans specifically designed for cruises along with annual trip insurance for those who travel a lot throughout the year.  

The Nationwide Essential Plan comes with trip cancellation coverage of up to $10,000, up to $250,000 in emergency medical evacuation, up to $150 per day reimbursement for travel delays of 6+ hours, and coverage for delayed or lost baggage.

In comparison, the Travel Guard Essential plan covers trip cancellations with up to $100,0000 in coverage, up to $150,000 in emergency medical evacuation expenses, up to $100 per day ($500 total) for trip delays of 12+ hours, along with lost or delayed baggage coverage. 

The high-tier Prime Plan from Nationwide offers even more coverage, including trip cancellation up to $30,000, trip interruption coverage up to 200% of the trip cost (maximum of $60,000), missed connection and itinerary change coverage of $500 each, $250 per day for trip delays of 6+ hours, and up to $1 million in coverage for emergency medical evacuation

AIG's highest-tier Deluxe plan comes with trip cancellation coverage of up to $150,000, up to $1,000,000 in emergency medical evacuation, up to $200 per day ($1,000 maximum) reimbursement for travel delays of 12+ hours, and coverage for delayed or lost baggage.

As you can see, it's hard to compare apples to apples when comparing the two different insurance providers. But it helps to know the specifics of the coverages that matter most to you.

Read our Nationwide travel insurance review here.

AIG Travel Guard vs. Allianz Travel Insurance

With Allianz Travel Insurance , you can choose from 10 different insurance plans to find one that suits your needs. Like Travel Guard , it offers one-off policies for specific trips and an annual travel insurance plan for those who take multiple trips a year. Similar to AIG, too, the different plans offer varying levels of coverage. 

Allianz's most popular single-trip option is the OneTrip Prime plan. This plan offers trip cancellation coverage up to $100,000, trip interruption coverage up to $150,000, emergency medical coverage for $50,000, coverage for baggage loss, theft, or damage up to $1,000, and up to $800 in travel delay coverage.

The most similar plan from Travel Guard is the mid-tier Travel Guard Preferred plan, which which you'll get up to $150,000 in trip cancellation coverage, trip interruption coverage up to $225,000, $50,000 in emergency medical coverage, coverage for baggage loss, theft, or damage up to $1,000, and travel delay coverage of up to $800.

A variety of factors will determine the final cost of any of these travel insurance policies. However, when comparing quotes with the same factors, Allianz tends to be cheaper. Additionally, Travel Guard seems to be more sensitive to the traveler's age. However, it's best to compare quotes using your specific personal and trip details to determine which policy is the best for you.

Read our Allianz travel insurance review here.

AIG Travel Guard vs. Credit Card Travel Insurance

Before purchasing a travel insurance plan, take a look at the coverage offered through your travel rewards credit cards. Some of the basic coverages you're looking for, like rental car insurance, may already be available through credit card travel protection . 

The coverage you have on your credit card couple be sufficient if, for example, you're taking a road trip by car and you don't have any non-refundable trip expenses. It could also be enough if your health insurance covers you while you travel and you aren't overly worried about incurring additional medical expenses during your trip.

It's also worth remembering that credit card coverage is usually secondary versus the primary coverage you'd get with a travel insurance policy. Meaning you'll have to file a claim with the other applicable insurance (like through the airline travel provider) before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Depending on the single trip plan you choose, AIG Travel Guard offers $15,000-$100,000 in emergency medical expense coverage.

All three of Travel Guard's single trip policies offer pre-existing condition waivers as long as you purchase your policy within 15 days of your initial trip payment.

Travel Guard is the name used for AIG's travel insurance products, but AIG also offers other insurance products, like AIG Life Insurance .

Your coverage depends on the policy you buy, but all policies will cover (up to a specified limit) trip cancellation, interruption, delay, emergency medical expenses, lost and delayed baggage, and emergency evacuation. 

Yes, Travel Guard plans cover trip cancellation and interruption due to illness, injury, or death of a family member. If your trip is delayed or canceled due to inclement weather, that's covered too. AIG Travel Guard's is also among the best CFAR travel insurance companies.

Why You Should Trust Us: How We Reviewed AIG Travel Guard

The policy that's best for you will be the one that offers the right amount and type of coverage, fits your budget, and is easy to use if you ever need it.

In reviewing Travel Guard , we looked at the company's travel insurance offerings and compared them to plans offered by the top travel insurance companies in the space. Factors considered included things like coverage options, claim limits, what's covered, available add-ons, and typical insurance policy costs. We also considered buyer preferences.

Read more about how Business Insider rates insurance providers .

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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AIG Travel Insurance: The Complete Guide

Everything you need to know before you buy AIG Travel insurance plans

For decades, AIG Travel , part of American International Group, Inc., has provided travel insurance options for many travelers. Marketed under Travel Guard, the company offers travel insurance solutions and travel-related services, including medical and security services, marketed to both leisure and business travelers around the globe.

If you have purchased a trip insurance plan in the past, it may have been provided by AIG Travel without you even knowing it: the company also creates custom policies for several smaller insurance brokers, airlines and even travel groups. Is AIG Travel the right company for your trip? 

About AIG Travel

AIG Travel is a member of American International Group, Inc., a global insurance company that provides everything ranging from property casualty insurance, life insurance, retirement products, and other financial services. Travel Guard is the marketing name that AIG Travel uses to advertise its portfolio of products.

Today, the company is headquartered in Stevens Point, Wisc., and serves travelers in 80 countries and jurisdictions through eight wholly-owned global service centers in key regions, including Houston, Texas; Stevens Point, Wisc.; Kuala Lumpur, Malaysia; Mexico City, Mexico; Sofia, Bulgaria; Okinawa, Japan; Shoreham, England; and Guangzhou, China. 

How Is AIG Travel Rated?

AIG Travel policies are underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., another subsidiary of AIG. As of June 2018, the policy writer has an A.M. Best A rating, putting them in the “Excellent” credit category with a stable outlook.

For customer service, AIG Travel is highly rated on three major travel insurance marketplaces online. With more than 400 reviews, AIG Travel has a five-star rating from TravelInsurance.com , with a 98 percent recommendation rate. Customers of InsureMyTrip.com give the company 4.56 stars (out of five). Although Squaremouth.com no longer offers AIG Travel policies anymore, previous customers gave the company 4.46 stars (out of five), with less than one percent negative reviews. 

What Travel Insurance Does AIG Travel Offer?

AIG Travel offers four plans for consumers, based on their needs and travel plans: Basic, Silver, Gold, and Platinum. Although the Basic plan is not available direct through AIG Travel, it can be purchased through marketplaces like TravelInsurance.com. All travel insurance plans include travel medical assistance, worldwide travel assistance, LiveTravel® Emergency Assistance, and personal security assistance, but only take effect when travelers are at least 100 miles away from home.

Please note: All schedules of benefits are subject to change. For the most up-to-date coverage information, contact AIG Travel.

• Travel Guard Basic: Travel Guard Basic is the lowest level of coverage available through AIG Travel Guard, with the smallest benefits for trip cancellation , trip interruption , and trip delay. The basic plan offers 100 percent coverage of trip cancellation or trip interruption events (up to $100,000), but has very low coverage ceilings for return airfare due to trip interruption ($500 maximum), trip delay (maximum of $100 per day, up to $500), baggage loss ($500 before a $50 deductible) and baggage delay ($100 maximum). The basic plan includes an optional rental car damage policy for an additional price but does not include options for a pre-existing medical condition exclusion waiver or accidental death and dismemberment. Read the schedule of benefits here.
• Travel Guard Silver : Travel Guard Silver is the lowest level of coverage available directly through AIG Travel Guard. Described as “savvy coverage that helps give you peace of mind on a budget,” Travel Guard Silver offers more generous benefits for baggage delay and baggage loss ($750; $50 deductible) and accident sickness medical expenses ($15,000; $50 deductible). This plan also offers optional coverage for pre-existing medical condition exclusion waivers, trip cancellation or interruption due to financial default and additional flight coverage. Typically, travelers who elect to purchase Travel Guard Silver over Travel Guard basic can expect to pay around 2.5% more. Read the schedule of benefits here.
• Travel Guard Gold : The most popular plan offered by AIG Travel Guard, Travel Guard Gold balances insurance costs with benefits. The Gold plan offers more money for trip interruption (150 percent, up to $150,000 maximum), return airfare due to trip interruption (the greater of $750 or 150 percent of the trip cost) and trip delay coverage ($150 per day maximum, up to $750 total). This plan also introduces several additional benefits, including baggage and travel document loss (up to $1,000), baggage delay ($300) and missed connection coverage (up to $250). When purchasing within 15 days of the initial trip payment, travelers may also be covered for pre-existing condition waivers, trip cancellation or interruption due to financial default and primary coverage for accident sickness medical expenses. Optional coverage levels include Cancel for Any Reason insurance (up to 50 percent of insured trip costs), car rental collision coverage and upgrades for medical expense and emergency evacuation coverage. Before any optional coverage, expect to pay 20 percent more for Travel Guard Gold compared to Travel Guard Silver. Read the schedule of benefits here.
• Travel Guard Platinum : Travel Guard Platinum is the highest level of coverage offered by AIG Travel Guard, with the biggest benefit levels. In addition to trip cancellation and trip interruption benefits, travelers can receive up to $1,000 for return air travel due to trip interruption, trip delay benefits of up to $200 per day ($1,000 maximum) and up to $500 in missed connection benefits. Like Travel Guard Gold, travelers who purchase their policy within 15 days of their initial trip payment may also receive the pre-existing medical condition exclusion waiver, trip cancellation or interruption coverage due to financial default, primary accident sickness medical expense coverage and primary baggage and personal effects coverage. Optional policy add-ons include Cancel for Any Reason (up to 50 percent of insured trip costs), car rental collision coverage, and medical coverage upgrades. Because Travel Guard Platinum is the highest level of coverage available, it is also the most expensive: travelers should expect to pay between 50 and 60 percent more than Travel Guard Gold before any additional add-on coverage.  Read the schedule of benefits here.

What Won't AIG Travel Cover?

While AIG Travel offers plans to cover many common travel issues, they will not necessarily cover everything. Excluded situations include:

• Self-inflicted injuries: If you are in crisis while traveling, there are ways to get help anywhere around the world. Note that mental health care may not be covered by your travel insurance plan .
• Pregnancy or childbirth: In many situations, pregnancy or childbirth are not covered under AIG Travel plans.
• Dangerous activities: Planning on mountaineering, going motor racing, or participating in a professional-level athletic event? All of these situations are not covered under AIG Travel plans.
• Baggage loss for items seized by governments or customs officials: Before you return home, be sure to understand what may (or may not) be allowed in your home country. If you believe your items were stolen by customs or Transportation Security Administration officials , there is a separate protocol for reporting those losses.
• Baggage loss for eyeglasses, sunglasses, or hearing aids: Loss or replacement of prescription vision wear is not covered by AIG Travel.

This is just an abbreviated list of situations that may not be covered under AIG Travel trip insurance plans. For a full list, refer to the schedule of benefits of each plan, which are linked in the above content.

How Do I File a Claim With AIG Travel?

Travelers who purchased an AIG Travel plan in the United States can start their claims online . After starting an account online, travelers can file claims for the most common situations, including trip cancellation, baggage loss, and trip delay. Policyholders can also find documentation requirements online , as well as receive updates online. Those who have questions about their policies or claims can call AIG Travel direct at +1-866-478-8222.

The online claims tool is only available for American travelers who purchased their travel insurance plans in the United States. All other travelers should contact AIG Travel directly via their provided telephone number to start the claims process.

Who Is AIG Travel Best For?

At the Basic and Silver levels, AIG Travel is a very basic-level travel insurance plan that may cover those who do not already have trip coverage through a credit card or otherwise have access to a trip insurance plan. Before considering either of these AIG Travel plans, be sure to check that you don't already have coverage through the credit card used to pay for your trip.

If you are planning a major international trip, or are going on a big trip aboard a cruise line, AIG Travel Gold and Platinum may offer better coverage than a credit card. With large benefit levels and coverage already built in for pre-existing conditions when purchased within the first 15 days of an initial travel payment, Gold and Platinum can be a better bet for those who are spending money on a big vacation and want to make sure their trip runs smoothly.

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The best travel insurance policies and providers

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

• You purchase the plan within 15 days of your initial trip payment.
• The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
• You must be medically able to travel when you purchase your plan.

Standout features

• The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
• You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
• Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

• You purchased the policy within 14 days of the date of the first trip payment or deposit.
• You were a U.S. resident when you purchased the policy.
• You were medically able to travel when you purchased the policy.
• On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
• Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
• Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
• For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

• You must be medically able to travel at the time you pay the policy premium.
• You pay the policy premium within 14 days of making the first covered trip deposit.
• Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
• Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
• American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

• GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
• GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

• Some annual multi-trip plans are modestly priced.
• iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

• You purchase the plan within 15 days of the initial trip payment.
• The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
• All insured individuals are medically able to travel when they pay the plan cost.
• The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
• Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
• Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
• For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

• You buy this plan within 20 days of making your initial trip payment or deposit.
• You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
• You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
• Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
• You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
• Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

• World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
• World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

• Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
• Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
• Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
• Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
• Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
• Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
• Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
• Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

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Guide to Travel Insurance

Get the best protection while you're in japan.

Whether you’re traveling abroad for the first time or the tenth time, it can be an unsure experience when it comes to your health. Especially in recent times, people are learning how important it is to have the proper travel health insurance for those times you find yourself injured or under the weather in a foreign country.

Benefits for Japan visitors

From lost luggage to typhoons, there’s plenty to worry about on a trip to Japan. And there’s also plenty to look forward to. So much so that you might overlook something as basic and granted as your health. And while out-of-pocket charges in Japan tend to run cheaper than in the USA (think Canada costs), you might still want to consider travel insurance as a necessity.

Japan enjoys many over-the-counter medicines that other countries do (albeit under different names), so you should be able to find allergy or cold medicine rather easily. But what if it’s something more serious? Developments like the sudden outbreak of COVID-19 had many visitors worried about traveling. Not to mention hospitalization costs add up quickly. Travel insurance can really save your wallet in the long run.

Protection from natural disasters

While health concerns may be the primary reason to invest in travel insurance there are plenty of other reasons to consider it. It’s true that Japan has a very low crime rate and that pocketed wallets aren’t going to be a huge worry—in fact, many people leave their purses and bags on chairs at cafes to “reserve” their seats—but what Japan lacks in crime; nature makes up for.

Typhoon season , in particular, can put a spanner in the works regarding travel plans. With every year seeing the season begin earlier and end later; you can expect train and flight delays, flash flooding, and canceled tours. Typically, typhoon season starts around August and goes on until October, which is also when some truly spectacular festivals are held. The ever-unpredictable earthquakes can also be a source of worry and fear for people unused to them.

This isn’t to say that you have to invest in travel insurance. Ultimately, that decision is up to you and should be based on a number of factors.

Finding an insurance plan

Travel insurance plans come in all shapes in sizes and there is no one-size-fits-all plan. However, you’ll definitely want one that covers the basics at least.

• Valid in Japan : That is the most basic of basic and there aren’t any major plans that exclude Japan.
• Cancellation coverage : You want to make sure that the plan covers any canceled reservations and plane tickets.
• Full medical coverage : Your plan should cover all necessary medical expenses including in and outpatient procedures, ambulance rides, and even evacuation needs if you require being flown back to your home country.
• Gear or luggage coverage : Just because theft is rare in Japan doesn’t mean that it’s nonexistent. And if you’re traveling with expensive gear such as cameras or sports equipment, you’ll want to make sure that it’s insured.
• Dangerous activity coverage : If you’re planning on doing some extreme sports while in Japan, you’ll definitely need this coverage as most average plans don’t cover scuba diving, skiing, or other sports injuries.
• Proof of insurance : In our world of electronic documents, it may seem enough to have an email confirmation or picture of insurance. But you’ll need a hard copy or printed document showing that you have proof of insurance or risk being turned away when you ask for help.

Travel insurance providers

No matter where you’re from, these three travel insurance providers are bound to have coverage for you:

Atlas Travel Insurance

Atlas Travel Insurance covers all the basics and provides assurance that you’re being looked out for. Travel with peace of mind with dental and health insurance as well as evacuation coverage in the case that you need to return to your home country for treatment. It also covers lost luggage.

Safety Wing

You can get Safety Wing medical coverage even if your journey has already begun. Not to mention, you can get coverage for the whole family, children included. Safety Wing includes unforeseen troubles like travel delay, lost checked luggage, natural disasters, and more.

World Nomads

World Nomads insurance is tailored for the thrill-seekers and adventurers of the world. Those who enjoy extreme sports and more daring experiences might do well to look into the coverage offered by World Nomads. It also does more than cover your health, it also takes care of your gear and luggage.

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Serena Ogawa @serena.ogawa

Associate Editor for Japan Travel.

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AIG Travel Insurance Japan

A complete travel protection that covers flight delay, trip cancellation, 24/7 worldwide assistance & more.

Travel Insurance for Japan

Fondly known as the land of the rising sun, Japan is an exotic destination for travellers seeking an oriental experience. From the famed cherry blossoms during spring or skiing in Japan in the winter, Japan is a fascinating land of traditions, ancient gods and meticulous craftsmanship that offers many unique experiences apart from just sushi, manga and sake.

Animal lovers should visit the Zao Fox Village; filled with hundreds of crafty bushy-tailed foxes that may charm you to feed them, which for some is considered a religious experience. Another spiritual experience can be discovered at the Jigokudani Monkey Park, renowned for their hot springs monkey spa. During winter, Japanese Macaques or Snow Monkeys descend from the forest to warm up in the natural bubbly hot spring—a surreal yet delightful vision to all visitors.

For those who love to indulge in Japanese cuisine, but seek a culinary adventure beyond the norm, check out the Yunessun Spa Resort. It allows guests to dip in unique pools of actual coffee, wine, green tea or ramen broth. These themed spas are pretty crazy, but relaxing and fun at the same time.

Tokyo is a city that effortlessly blends the old and the new. Visitors will be in awe of the cutting-edge technology that connects the city. From fully automated washrooms, to the highly efficient trains that fly through the tracks. Also, when it comes to respecting the culture in Japan, at all times, try your best to be very polite. A polite way to greet someone is to smile and bow; to make sure you do it right imitate the bows you receive first before you give it a go.

Why do you need Travel Insurance for Japan?

Getting travel insurance for Japan gives you peace of mind while you’re in the country. If you are looking to get medical insurance for Japan, our travel insurance pack has got you covered too. AIG travel insurance provides comprehensive protection which also includes coverage lost or damaged baggage including personal items caused by negligence of service providers and even health related emergencies. AIG will take care of you by reimbursing the expenses and by ensuring that you won’t need to worry about these inconveniences.

Buy Travel Insurance for Japan with AIG

Protect yourself with AIG travel insurance to Japan and get a more comprehensive coverage. For ease of convenience, you can do everything online: the process is really simple, once you get your quote you can make your purchase within just a few clicks.

Our benefits include:

Comprehensive coverage

Besides overseas emergency medical expenses, medical evacuation costs and personal accident coverage, AIG will provide cover if you are forced to cancel or cut short your trip for reasons covered under our policy. Any flight departure delays, baggage delays, baggage damage or loss, personal items damage or loss due to theft or negligence by service providers, AIG will cover for you.

Medical & Personal Accident Cover

Depending on the plan and product purchased, AIG will cover up to unlimited medical expenses and up to RM 500,000 for personal accidents in Japan. Our travel assistance team is on call by phone 24/7 to assist you in any emergency situation, ensuring that you receive appropriate medical care in Japan.  

Trip Cancellation Cover

AIG will reimburse you for non-refundable expenses incurred if your trip to Japan is cancelled due to specific events, within 60 days before your departure date.

Natural Disasters

If natural disasters occur in Japan such as earthquakes, floods or volcano eruptions, AIG will pay for expenses caused by these travel inconveniences.

Travel Inconvenience

If you experience travel inconveniences such as delays, loss or damage to your personal belongings, including your checked-in baggage, you will be covered by AIG.

AIG Global Assistance Service

Our 24-hour Emergency Assistance Team delivers fast and efficient aid if you are injured during an accident or if you are ill, requiring hospitalization in Japan.

Helplines during emergency in Japan

If you are insured with AIG when you travel in Japan, keep our 24/7 contact no.  603-27725600  with you at all times to process claims and medical emergencies.

Dial  110  for police and  119  for fire and ambulance.  

Contact details for Embassy of Malaysia in Japan: Address : 20-16 Nanpeidai-cho, Shibuya-ku, 150-0036 Tokyo Phone:  +81-3-3476-3840 Fax: +81-3-3476-4971

Secure your journey to Japan with peace of mind. Get your travel insurance now! For more information about our other insurance products, click  here

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Travel Guard ® Direct

√  Up to $80 in eCapitaVouchers (Single Trip Plan)

√  Luggage & travel data (Annual Multi-Trip Plan)

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Use promo code: aigtgd   for annual multi-trip and single trip plans. .

Promotion is valid till 19 May 2024 .  T&Cs apply.

AIG Travel Assistance Services

Get 24/7 travel assistance exclusively to AIG policyholders. We operate globally across 8 service centres, with a team that is proficient in over 40 languages , providing comprehensive support for travel or medical emergencies abroad. 

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QUICK QUOTE

To get a quick quote, select the destination you are travelling to:.

SINGLE TRIP COVERAGE

The maximum length of each insured trip is 182 days.

ANNUAL COVERAGE

The Insured Policyholder(s) will be covered for an unlimited number of trips made during the Policy Period. The maximum length of each insured trip is 90 days

Policy Type

The policy type shows which people are insured under the policy. You can choose from either Individual or Family cover.

If you choose Individual cover this policy insures you only.

If you choose Family cover this policy insures you and/or your spouse and/or your children.

• Under a Per Trip policy, the family must depart from and return to Singapore on the same itinerary together as a family for cover to apply.
• Under an Annual Multi-Trip policy, cover will apply to you or your spouse whilst travelling separately of each other; however your children must be accompanied by you and/or your spouse for the entire trip for cover to apply.

Group/ Couple

Select this option if you have individuals travelling together on the same dates and to the same destination.

For Group/ Couple up to a maximum of 10 individual policies on the same transaction.

Region 2 Destinations

Brunei Darussalam, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Vietnam

Argentina, Bahrain, Bangladesh, Belize, Bolivia, Brazil, Chile, China (excluding Tibet), Colombia, Costa Rica, Ecuador, El Salvador, Guatemala, Guyana, Honduras, Hong Kong SAR - China, India, Kuwait, Macau SAR - China, Maldives, Mexico, Mongolia, Nicaragua, Oman, Pakistan, Panama, Paraguay, Peru, Qatar, Sri Lanka, Suriname, Taiwan - China, Thailand, United Arab Emirates, Uruguay, Venezuela

Region 3 Destinations

Region 1, Region 2, Australia, Japan, South Korea, New Zealand, Nepal, Tibet - China and the rest of the world.

(Exclude Cuba, Iran, Syria, North Korea or the Crimea region)

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This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites ( www.AIG.sg  or  www.gia.org.sg  or  www.sdic.org.sg ).

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Travel Insurance for Japan From India

Travel Insurance Japan

Celebrated across the globe as the land of the rising sun, Japan is located in the Pacific Ocean and is part of the Asian continent. The Japanese archipelago comprises more than 6,800 islands, including five major islands, namely Honshu, Hokkaido, Kyushu, Shikoku, and Okinawa.

Japan is one of the most visited countries on the global map. From the cosmopolis of Tokyo to the picturesque Mount Fuji and the iconic Osaka Castle, Japan has something to offer to different types of travellers. Whether you wish to behold the magic of the ethereal cherry blossoms or the new-age capsule hotels, a trip to Japan is sure to be filled with memorable experiences.

If you are planning a trip to the magnificent archipelago of Japan, you must conduct thorough research and planning. It is important to apply for the right type of Japanese visa and make the necessary travel arrangements well in advance. Even more important still is the selection of an adequate travel insurance policy.

Since international travel can present you with a wide variety of challenges and unforeseen situations, you must ensure that you are well equipped to face them. And the easiest way to do so is by buying an international travel insurance policy. At Tata AIG, we offer a thoughtfully designed and feature-laden Japan travel insurance Plan.

Available at a starting price of just ₹40.82 per day*, our travel insurance Japan plan can provide you with sufficient financial protection for your trip to Japan. You can opt for individual travel insurance or family travel insurance , depending on the number of members in your travelling party.

You can peruse our other travel insurance plans on our official website. It is easy to compare travel insurance policies and their premiums on our website with the help of the Tata AIG Travel Insurance Premium Calculator .

Benefits of opting for Tata AIG's Travel Insurance Japan plan

• Travel Assistance
• Hijack Cover
• Cover for Loss and Delay of Baggage
• Personal Liability Cover
• Accident and Illness Cover
• Cover for flight cancellation and delay
• Covid-19 Cover
• Easy and quick policy purchase process on our official website
• Affordable travel insurance plans, starting at ₹40.82 per day*
• Automatic extension of your travel insurance for Japan plan for upto 60 days or date of discharge whichever is lesser in the event of hospitalization during the policy tenure
• Automatic 7-day extension of your travel insurance policy in case of delay or cancellation of your return flight.

Travel Insurance For Japan from India

Whenever you are planning to travel to any place that is beyond the international borders of your nation, it is advisable to engage in substantial planning and research. From the political climate prevailing in the country that is your intended travel destination to the best time to visit it, from the type of visa you are required to apply for to the travel insurance policy you must select, there are several decisions that need to be paid attention.

Selecting a suitable travel insurance policy is pivotal to having some degree of protection against the uncertainty of international travel. No matter how thorough your planning and research are, there are several events that can cause your plans to fall into disarray. The ongoing COVID-19 pandemic has, for instance, drastically changed the landscape of international travel.

Therefore, you must opt for the best travel insurance for Japan. If you select the Tata AIG Travel Insurance Japan plan, you can benefit from extensive travel insurance coverage, including a Personal Liability Cover, a cover for illnesses and accidents, baggage cover, Hijack cover, and COVID-19 cover.

Why Do You Need Travel Insurance from India to Japan?

The moment you step out of the comforts of your home, you are susceptible to a myriad of risks. And international travel is no exception to this. Imagine planning for a trip to Japan, only for your flight to be delayed or cancelled at the last minute. Worse yet, imagine falling ill during your journey to or from Japan or your stay there. Being stranded in a foreign land with an illness is certainly not what any of your travel plans would have envisaged, is it?

Although there is no way to avoid events such as accidents, illnesses, and flight delays, you can ensure that you are financially protected against such adverse events. This is the main reason why you need travel insurance from India to Japan. With a suitable travel insurance plan, you can have access to a medical cover, a journey cover, and a cover for any potential delays or cancellations of your flights.

Selecting the best travel insurance for Japan plan is, thus, one of the prerequisites of a safe and happy trip to the land of the rising sun. When you are comparing various travel insurance plans, check the coverage and the features of the plan along with its validity and cost. A plan that offers you extensive coverage at a feasible price and has in-built flexibility for automatic extensions is the ideal choice. The Tata AIG Japan Travel Insurance Plan comprises all these benefits, making it an excellent travel insurance plan.

Benefits offered by the Tata AIG Travel Insurance Japan Plan

The Tata AIG Travel Insurance Japan Plan is one of the best travel insurance for Japan. This plan offers you several benefits, some of which have been discussed below:

1. Baggage Cover - If you happen to lose your baggage at any of the airports you traverse during your journey, the baggage cover of the Tata AIG Travel Insurance Japan plan can be of aid to you. With this cover, you can seek reimbursement for the cost of the items in the lost or delayed check-in baggage.

2.Journey Cover - With Tata AIG's Japan Travel Insurance Plan, your journey to and from Japan is financially safeguarded by the following covers.

• Cover for the loss of passport;
• Cover for flight cancellation or delay;
• Cover for the cancellation of hotel bookings, etc.

3. Medical Cover - To ensure that your journey is not marred by the financial ramifications of any accidents or illnesses, the Tata AIG Japan Travel Health Insurance Plan comprises a medical insurance cover. If you fall ill during the trip and are hospitalized , the cost of the treatment is covered by this plan.

This cover has recently been enhanced to include a COVID-19 cover, which provides you with medical insurance for the diagnosis and treatment for the coronavirus. In addition to this, our Travel Insurance Japan plan also has an in-built automatic extension of 60 days or date of discharge whichever is lesser in the event of you being hospitalised during the policy tenure.

4.Other benefits- Here are some of the other benefits of Tata AIG's travel insurance for Japan :

• Travel Insurance for Japan available at a starting price of ₹40.82 per day*
• Swift and seamless process for the purchase of our Japan Travel Insurance Plan on the Tata AIG website
• No requirement for any medical check-up for the purchase of our Travel Insurance Japan Plan
• The flexibility to pay your travel insurance premium in ₹ and get travel insurance coverage in $.

Japan Visa and Entry Information

Types of Visa for Japan

All Indian nationals travelling to Japan need to have a pre-approved visa for the country. It is important to ascertain the type of Japanese visa you are required to apply for. Here are the various types of visas for Japan that are available for Indian citizens.

1.Short-term Visa : If you are planning to visit Japan for a short period of time, then you must apply for a short-term visa to the country. This visa is valid for 90 days and is available for visits for the following purposes:

• Visiting friends or family
• Attendance in seminars or conferences

2.Student Tourist Visa : The Single-entry Short-stay visa for Indian students visiting Japan with the purpose of tourism has been designed to encourage the people-to-people exchange between India and Japan, particularly for young people. This visa has been available since February 2017.

3.Multiple-entry Short-term Visa : A multiple-entry Short-term visa for Japan enables you to visit the country for a short stay. The major difference between this type of visa for Japan and a short-term visa is that it allows you to enter Japan multiple times during the validity period of the visa whereas the latter allows only one-time entry into Japan. This is the ideal visa for you if you wish to visit Japan multiple times during a short period of time.

4.Long-term Visa : Indian nationals who wish to stay in Japan for a period exceeding 90 days must apply for a long-term visa to the country. This visa is issued for a long stay in Japan for one of the following purposes.

• Engineering assignment, etc.

5.Medical Visa : If you wish to visit Japan for medical treatment or medical check-ups, then you must apply for a Japan Medical Visa. This visa can have a validity period of up to 3 years and the actual validity period is determined on the basis of your medical condition and the estimated duration of the treatment. It is important to note that family members, as well as non-family members, can also be granted a medical visa with you as your 'Accompanying Person/s' during the trip.

6.Transit Visa : If you are passing through Japan one your travels from one country to another and wish to stay in the land of the rising sun for a few days, a Japan Transit Visa is the visa type you must apply for. This visa is issued only for visitors in transit through Japan and staying in the country for less than 15 days. The activities undertaken by a person holding a Japan Transit Visa must be restricted to leisure and sightseeing.

Process of Application For A Japanese Visa

Indian nationals who wish to travel to Japan must apply for the correct category of Japanese visas. Here is the process of application for a Japanese Visa.

1.Choose the type of visa you must apply for : The first step in the application process for a Japanese Visa is the determination of the type of visa you need to apply for. This decision depends upon your purpose of visiting the country as well as the intended duration of your stay there.

2.Ascertain the Consular District you fall under : Once you have selected the type of visa for Japan you must apply for, you need to check which Consular District you fall under. Here is a list of the respective jurisdictions of various Japanese Consular Districts for Indian citizens.

4.Pay Your Visa Fee : Once you have scheduled an appointment for your visa application, you need to pay the applicable visa fee for your visa for Japan. You can make this payment online or at the time of your visa appointment.

5.Attend Your Visa Application Appointment : The next step is to attend your visa appointment at the scheduled time and place. It is pivotal to carry all the necessary documents to this appointment.

6.Track Your Application : You can track the status of your visa application online. All you have to do is enter the reference number issued at the time of your visa appointment and your date of birth.

Note : The Embassy of Japan in India is located in New Delhi and the consulates are located in Mumbai, Kolkata, Chennai, and Bengaluru.

Documents Required By Indian Nationals Applying For A Japanese Visa

Here are the documents required for Indian nationals applying for a visa to Japan.

1.A duly filled and signed visa application form 2.A valid passport 3.Recent passport-sized photographs 4.The itinerary of your flights to and from Japan 5.The proof of your intended accommodation in Japan 6.The proof of sufficient funds for the course of your stay in Japan 7.The proof of the purpose of your travel to Japan 8.A copy of the Letter of Invitation (if applicable) 9.A copy of the Certificate of Eligibility (if applicable).

Fee for Japanese Visa

The fee for a visa for Japan depends on the type of visa you have selected. With effect from April 1, 2020, the visa fee for Indian nationals applying to various types of Japanese visas is as follows.

Entry Information For Indian Citizens Travelling to Japan

If you wish to travel to Japan, you must keep the following entry requirements in mind.

1.You have to carry a valid passport; 2.You must have a valid pre-approved visa for Japan; 3.You must carry several recent passport-sized photographs; 4.You ought to have a suitable Travel Insurance Japan plan; 5.You must have a document detailing your itinerary for your trip to Japan; 6.You are required to have proof of the accommodation you shall be staying at in Japan; 7.You need to have proof of having sufficient funds to cover the cost of your expenses during your trip to Japan; 8.You must have a Letter of Invitation (if required); 9.You must have a Certificate of Eligibility (if required).

COVID-19 Specific Entry Requirements : Due to the ongoing COVID-19 pandemic, the Japanese government has banned entry for all foreign nationals. This policy has been put into effect from November 30, 2021, following the spread of the Omicron variant of the coronavirus.

Travel Documents Required While Travelling From India to Japan

Indian nationals travelling to Japan must have the following documents with them.

1.A valid Indian passport; 2.A valid visa for Japan; 3.A valid Japan Travel Insurance Plan; 4.The proof of enough funds to finance your stay in Japan; 5.A copy of your itinerary in Japan; 6.Recent passport-sized photographs; 7.The proof of your accommodation in Japan; 8.Other documents as required for specific types of visas such as a Letter of Invitation and a Certificate of Eligibility.

Japan Travel: Safety and Precautionary Measures To Be Undertaken

If you are planning to travel to Japan, you must observe some safety and precautionary measures, some of which have been discussed below.

• Keep your passport with you at all times.
• Do not violate any of the laws of the land.
• Ensure that your belongings are safe.
• Do not travel to places you have not researched beforehand.
• Refrain from going to places that are crowded.
• Do not use private or suspicious means of transport.
• Follow the news - local and international alike.
• Keep the contact information of the Indian Embassy in Japan handy for emergencies.
• Do not engage in any activity that violates the public decorum.
• Be mindful of the validity period of your visa for Japan and do not overstay in the country.
• Opt for the best travel insurance for Japan.

Covid-19 specific travel and safety guidelines

1.Always wear a mask in public places; 2.Practise social distancing at all times; 3.Adhere to all the rules of the local government with regard to COVID-19 related risks; 4.Observe yourself and self-isolate if you have any of the symptoms of the coronavirus; get the necessary tests done on a priority basis.

The Indian Embassy in Japan

The Indian Embassy in Japan is located at the following address in the capital city of Tokyo.

The Embassy of India, 2-2-11 Kudan-Minami, Chiyoda-ku, Tokyo, Japan. (102-0074)

Present Ambassador : Mr Sanjay Kumar Verma ( [email protected] )

Contact details of the High Commission :

Website : The Embassy of India, Tokyo, Japan

Telephone number : +81 3 3262-2391 to 97

Fax number : +81 3 3234-4866

Working hours : Monday to Friday, 9:00 AM to 5:30 PM

International Airports in Japan

There are five major international airports in Japan, namely:

1.The Tokyo International Airport, Tokyo 2.The Kansai International Airport, Osaka 3.Narita International Airport, Chiba 4.The Chubu Centrair International Airport, Aichi 5.The Osaka International Airport, Osaka

Currency and Foreign Exchange

The official currency of Japan is the Japanese Yen (¥). The exchange rate between the Japanese Yen and the Indian National Rupee (₹) keeps changing. Therefore, it is advisable to check the latest exchange rate before travelling to Japan.

Japan Tourist Places

With its roots deep into history and civilisation, Japan is renowned as much for its culture as for its technological prowess. The picturesque archipelago has no dearth of places to visit. From the majestic Mount Fuji to the beautiful city of Tokyo, Japan has a diverse variety of natural and man-made attractions, and here are a few of those.

1.Mount Fuji : Almost every postcard for Japan has the image of the iconic Mount Fuji on it, serving as both an invitation to the country and a reminder of its natural beauty. Standing tall at 3,776 metres, Mount Fuji is the highest mountain peak in Japan. Surrounded by the Fuji-Hakone-Izu National Park, the serene Mount Fuji-San is frequented by tourists from across the globe.

2.The Imperial Palace, Tokyo : Situated in the capital city of Tokyo, the Imperial Palace is a window into times long past. With the verdant gardens and the mysterious moats of the palace capable of transporting you centuries back, the palace is one of Japan's main tourist attractions. Whilst at the Imperial Palace in Tokyo, you must visit the breathtaking Nijubashi Bridge.

3.Osaka Castle, Osaka : One of the places you must visit during your trip to Japan is the magnificent Osaka Castle. Built in the year 1586, the castle has always had political and cultural significance in Japan. A tour of the castle includes visits to the castle's main tower which boasts breathtaking views of the city of Osaka. If you are at Osaka Castle, you can also visit the nearby Hokoku Shrine.

4.The Japanese Alps : If you thought the Alps were only in Europe, think again. Japan has its own Alps in the island of Honshu. The Hida Mountains or the Japanese Alps are a set of mountains that are home to some of the country's highest peaks, including Hotaka and Yari. The Japanese Alps are a sight to behold and are great spots for mountain climbing and skiing.

5.The Hiroshima Peace Memorial Park : A reminder in equal measure of the best angels and demons of humanity, the Hiroshima Peace Memorial Park was built in memoriam of the people who lost their lives during the nuclear attack on the city in the first world war. The vast gardens of the memorial park are renowned for their cherry blossoms. The Peace Memorial Museum is also in the premises of the Hiroshima Peace Memorial Park.

Best Time to Visit Japan

The best time to visit Japan is during the months of March to May when it is spring in the archipelago and the temperatures hover between 3 degrees Celsius and 26 degrees Celsius. The fall months of September to November are also a good time to visit Japan. With temperatures ranging between 1 degree Celsius and 30 degrees Celsius during this season, the weather in the country is pleasant and good for tourism.

If you wish to visit Japan during a season that witnesses minimal tourist footfall, then the summer months of June to August are the ideal time for your trip to the country. It is advisable to carry out a sufficient amount of research to shortlist the cities and places you want to visit during your travels to Japan so as to be able to decide the best time to visit in a more informed manner.

To Sum It Up

While making your plans to travel to Japan, you must make selecting the best travel insurance for Japan your priority. With Tata AIG's Travel Insurance Japan plan, you can get sufficient coverage at a feasible price. You can purchase our Japan Travel Insurance Plan at our website by following a few quick steps. Safe travels!

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Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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How can i get a travel insurance japan plan.

You can buy a TATA AIG travel insurance plan for Japan by visiting our website and navigating to the page for international travel insurance. Then, you must submit the required personal information and choose the type of coverage you want in your travel insurance policy.

It is important to note here that you can add some additional covers to your Japan Travel Insurance Plan, for instance, a Medical Cover and a Baggage Cover. Once you have selected the plan and included the required travel insurance add-ons, you can complete the purchase process by making the payment online. Your Travel Insurance Japan Plan shall be instantly delivered to your email inbox.

How much should I pay for a Japan Travel Insurance plan?

The amount you need to pay as the premium for your Japan Travel Insurance Plan shall depend upon the following factors:

1.The selected sum insured 2.The number of people to be covered by the plan 3.The duration of your trip to Japan

It is advisable to have an adequate sum insured for your Travel Insurance Japan plan, particularly if you are travelling to the archipelago with your family. A travel insurance plan with sufficient coverage can help you ensure the financial protection of your family during the trip. The Tata AIG Travel Insurance Japan plan is available for as low as ₹40.82 per day*, thereby making travel insurance affordable.

Is it mandatory to buy a Travel Medical Insurance Japan plan?

Yes, it is mandatory for every individual travelling to Japan to have a valid travel medical insurance plan. You can check out the Tata AIG Travel Insurance for Japan plan that offers substantial coverage against a wide gamut of travel-related risks. To check the other travel insurance plans offered by Tata AIG, you can visit our official website.

Disclaimer :

All the information mentioned above is well-researched and sourced from reliable sources. Since this information is subject to change, it is advisable to check the latest travel guidelines and other location-specific information before planning a trip to any location.

Subject to change based on the nature and extent of the coverage.

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

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AIG Travel Guard insurance review: What you need to know

Whether you need an annual plan or a policy for a last-minute trip, travel guard can deliver..

Travel Guard is one of CNBC Select 's picks for best travel insurance , thanks to its wide range of customizable policies. But are any of them right for you? Below, we review the provider and its offers and how they compare to the competition to help you choose the right travel insurance for your next trip.

Travel Guard review

Other insurance offered, how it compares, bottom line, travel guard® travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

24/7 assistance available

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

Travel Guard® is a global travel insurance provider specializing in plans for leisure and business travelers. Its online travel insurance packages include five options, from basic and last-minute trip coverage to more comprehensive plans. This allows travelers to pick a plan that best matches their situation.

For example, budget-minded travelers might go for the Essential Plan which offers basic protections, such as trip cancellation, interruption and delay insurance, coverage for lost, damaged and delayed baggage, and medical, evacuation and death coverage.

On the other hand, the Deluxe Plan — the most comprehensive option — adds such extras as missed connection coverage, security evacuation, travel inconvenience benefits and more. It also boosts high limits for essential coverages.

Last-minute travelers can opt for the Pack N' Go Plan which only includes certain post-departure coverages. Or, if you travel often, the Annual Plan can cover your trips throughout the year.

Finally, Travel Guard offers "offline" travel insurance packages, meaning you'll have to call if you're looking for a specialty plan.

Coverage types

Depending on the plan, here are the types of protection Travel Guard can include in your package:

• Trip cancellations
• Trip interruption
• Baggage coverage
• Baggage delay
• Travel medical expenses
• Travel inconvenience benefits (reimbursement for such situations as runway delays, cruise diversion and other unforeseen situations)
• Medical evacuation
• Trip Saver (reimbursement for meals, hotels and transportation if you need to begin your trip sooner due to weather or airline changes)
• Trip exchange (reimbursement in case you have to cancel your trip and book a new one due to covered unforeseen circumstances)
• Security evacuation (due to a riot or civil disorder)
• Flight guard (coverage for accidental death or dismemberment that occurs when traveling by plane)
• Pre-existing medical conditions exclusion waiver

You can also customize your plan with add-ons, such as car rental insurance and "cancel for any reason" coverage .

Travel Guard landed on our list of the best travel insurance companies thanks to its variety of coverage. With plenty of options to choose from, both online and offline, it's easy to build a policy that meets your needs.

Travel Guard also features 24-hour concierge services that you can use to book a new flight in case of an emergency or delay.

The provider's website also offers informational resources — here, you can check travel news, read safety tips and find general travel advice. Additionally, the website lets you modify your plan, file a claim and check its status, or apply for a voucher or refund.

As of writing, Travel Guard doesn't offer any discounts. That's common for travel insurance — you're more likely to find deals when shopping for other types of insurance, such as home and auto insurance .

Travel Guard is a portfolio of travel insurance and travel-related services offered by AIG Travel, a member of American International Group (AIG). AIG also offers life insurance and a variety of business insurance products.

Travel Guard makes it easy to get a travel insurance policy customized to your needs. But before you purchase coverage, it's always a good idea to shop around.

For example, if you're going on a cruise, you might want to look at Nationwide Travel Insurance . The provider advertises cruise-specific insurance with three plan options available. This type of coverage is designed with issues unique to cruises in mind — from ship-based breakdowns to missed pre-pard excursions.

If you're planning a more active trip filled with rock climbing or sky diving, Berkshire Hathaway offers the AdrenalineCare® plan which features coverage for unforeseen costs that result from participating in extreme sports on your trip, as well as reimbursement for sporting equipment delay. Pre-existing conditions are covered under this plan (if you meet qualifying conditions).

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

As you can see, offerings vary by provider. It can be helpful to compare multiple companies and the plans they offer to find what works best for you. It's even better if you gather several quotes to ensure you're getting a good price for your policy.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Travel Guard offers plenty of ways to customize your policy, making it a solid choice for travel insurance. You can also access additional options by giving Travel Guard a call. However, make sure to check out other travel insurance companies too — comparison shopping is essential when picking any type of financial product.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

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