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    Medical Condition

    An existing medical condition is any medical condition which:

    At the time you buy your policy is:
    • chronic; or, 
    • displaying symptoms; or, 
    • under investigation; or, 
    • pending follow-up, consultation, treatment or surgery; or where these are recommended or planned; 
    • or metastatic; 
    • or terminal; or
    in the six months prior to the time you buy your policy there has been:
    • treatment by a medical practitioner; or 
    • medication prescribed; or 
    • surgery.

    Please refer to existing medical conditions that meet the criteria for automatic cover. 

    Do you want to complete a medical screening? 

    After entering your trip details (Age, Destination, Dates) to get a quote first. Please click on the "Continue" button to be redirected to nib to complete a medical screening. You will need to enter in details such as name & email, the medical screening will be on the following page. 

    Snow Sports

    If you are participating in Snow sports on your trip you need to add this option to be provided cover for snow sports related events. Snow Sports cover is only available on the International Comprehensive, Annual Multi trip and Australian Travel plans.

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you do not wish to purchase this additional cover.

    Snow sports are defined as Snow skiing and snowboarding on and off piste, back country skiing and snowboarding, snowmobiling, tobogganing, cross-country skiing, telemark skiing. Click the link to find out more about Snow Sports travel insurance.

    $0 Excess

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you don't want to reduce your excess. Different excess options are available when you "Get a Quote".

    Variable excess option. An excess is the amount that is deducted from your claim payout. A standard excess of $250 applies to most claims. By selecting this option, you can reduce your policy excess amount to $0 on some plans. An additional excess may apply to specific medical conditions. This excess cannot be removed.


    Cruising is covered as standard. If the cruise only stops in one country, just select that country. If the cruise stops at multiple destinations, add each destination. 

    • If you are travelling to 'New Caledonia', please also add in 'South Pacific Cruise' so cruise is displayed on your Certificate of Insurance. 
    • If the cruise only visits stops within Australia, make sure you select ‘Australian Waters’ option and NOT just Australia.

    If you get sick aboard a cruise while traveling under one of our international policies, we can offer overseas medical cover on board, including if you contract Coronavirus during the trip. Make sure you’re following all relevant government and official advice. All policy terms, conditions, limits and exclusions apply, and you should be aware there are things we don’t cover, such as your cruise being cancelled by the provider due to an epidemic or pandemic.
    Click the link to find out more about travel insurance for cruising.

    Already Overseas

    If you are already overseas and need travel insurance due to your previous policy expiring, or need to be covered while overseas and for your return trip back to Australia you can purchase while overseas. The trip must end at your home in Australia. A 72 hour waiting period may apply for policies purchased when you are already travelling. See waiting periods in the PDS for more information. 

    Annual Multi Trip

    Annual Multi Trip Plan, trip(s) means any travel up to 45 days in duration between the departure date and return date shown on your Certificate of Insurance. Each trip must:
    • Start and end at your home in Australia, and 
    • Be to a destination of at least 200km from your home in Australia, and 
    • Include travel by either pre-paid scheduled public transport or hire car, or include at least one night of pre-booked publicly available accommodation
    Designed for people who are travelling internationally and may also be travelling domestically. 


    Your children, stepchildren, grandchildren, foster children, and children for whom you are the legal guardian, who are travelling with you on the same itinerary for the entire duration of your trip and at the time the Certificate of Insurance is issued are:
    • under 25 years of age, and
    • working less than 30 hours per week.

    Coronavirus Travel Costs

    This benefit covers you for specific events related to coronavirus, such as contracting the virus causing you to cancel the trip or causing your quarantine; a healthcare worker's leave being cancelled; or you being denied boarding due to your suspected infection with coronavirus. Click the link to find out more about travel insurance for coronavirus.

    COVID-19 Medical

    Overseas Medical limit - $Unlimited^ (including COVID-19. Subject to policy terms, conditions, limitations and exclusions).
    ^Expenses for up to 12 months from the date an illness first appears or injury first occurs. Includes reasonable and necessary overseas medical expenses arising from sudden illness or serious injury (including COVID-19).

    One Way

    Policies are available for one-way travel overseas or to return back to Australia! Enter your departure and return dates which would be your active dates of insurance. Trip must start or end at your home in Australia. Click the link to find out more about one way travel insurance.

    Travel insurance to Japan


    Travel insurance to Japan

    Japan Travel Insurance

    Looking for Japan travel Insurance?
    Enter your travel details in the quote panel to view travel insurance for Japan.   


    Language     Japanese
    Area:    378,000 sq km
    Capital City:  Tokyo
    ±GMT:  +9 hours 

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    Japan Information

    Japan History
    Japan Geography

    Japan Mount Fuji

    Japan Climate

    Japan stretches approximately 20 degrees of latitude, from 25 deg North to 45 deg North, and approximately 23 degrees of longitude, from 122 deg East to 145 deg East, the climate varies widely from one region to region. Japan has four distinct seasons. Spring months are March, April, and May. Summer months are June, July, and August. Autumn months are September, October, and November. Winter months are December, January, and February.

    Summer is hot and humid in general. During the winter, it snows a lot on the Sea of Japan side, and it is dry on the Pacific Ocean side. 
    Japan belongs to the temperate zone with four distinct seasons, but its climate varies from cool temperate in the north to subtropical in the south. The climate is also affected by the seasonal winds that blow from the continent to the ocean in winters and vice versa in summers. Japan is generally a rainy country with high humidity. 

    Japan's rainy season lasts about 40 days during the months of June and July. Also, August to October is the typhoon season in Japan. It's important to check the weather often during the typhoon season. Japan has rainfall averaging 1,700-1,800 millimetres per year.  
    Japan early/mid-April, mid/late-May, October, early November. The temperatures are mild. 

    Travel Insurance for your trip to Japan

    Japan is an enchanting and exciting destination for travellers, with its unique culture, rich history, and incredible cuisine. There is plenty to do and see in Japan, from the bright lights of Tokyo to the tranquil forests and pristine beaches of the countryside. 

    As travel to Japan requires a valid passport, you will need to ensure that yours is up to date. In addition, it is also may be a good idea to check the local visa requirements for your destination. If necessary, you can apply for a visa online before your trip. 

    Whether you are planning to visit Japan for business or pleasure, there are numerous exciting opportunities awaiting you. In Tokyo, you will be able to explore the city’s bustling streets and neon lights as you take in the incredible culture and heritage. For a more traditional experience, visit the sacred temples of Kyoto or the geisha district of Gion. 

    There is also plenty of outdoor activities to enjoy or exploring the beautiful coastal towns along the Seto Inland Sea. Japan is an amazing destination and there is something for everyone. Before you travel to Japan, make sure you have double-checked your passport, visa requirements and you’ll be ready to discover this incredible country!

    Japan Attractions

    Mount Fuji
    Is the largest mountain in Japan towering an impressive 3,776 metres above sea level. Mount Fuji is a huge tourist attraction in Japan. 

    Travel insurance for Japan Theme Park
    Universal Studios in Japan is a massive 60-hectare theme park located in Osaka, additionally you can visit Disneyland in Tokyo. Great destination to take the children. 

    Kyoto was Japan’s capital city for over 1000 years. You will notice the Zen rock garden of Ryoanji, the medieval Nijo Castle, the Gion geisha district and the Kiyomizu Temple. 

    To receive an insight into old Tokyo visit Shitamachi and Asakusa-Kannon temple which provide a majestic view into Japan’s vast history. 

    Is the founding city of the medieval feudal government offering historical sites such as Hachimangu Shrine, the giant bronze Buddha and the Enoshima Island. 

    Offers a profusion of excellent restaurants as well as the Osaka castle. Osaka is also renowned for is vibrant nightlife in Umeda and Nanba districts.

    You will find a 57-metre large wooden structure located in Nara as well as the 7th century Horyuji temple which is the oldest wooden structure in the world. 

    The Yokohama Hakkeijima Sea Paradise is a 3-story aquarium offering an underwater tube allowing visitors to view over 100 000 sea mammals, fish, aquatic invertebrates and crustaceans. 

    Japan travel insurance

    Imperial Palace
    Is open to the public on the 1st of January and the 23rd of December (emperor’s birthday), whilst the East Gardens (Higashi Gyoen) is open all year. 

    Miyajima island
    Home to the Itsukushima Shrine as well as the cable car that travel up the mountain for majestic views. 

    Dragon Boat Races
    Dragon boats are called Hari or Hare and originated in China and were introduced into Okinawa in the Era of Ryukyu Kingdom which took place from the 15th to the 19th century. Hare are fisherman's festivals to pray for big catch and safe fishing and are held in various locations throughout Okinawa. Naha Hari is the biggest festival and takes place during Golden Week every year (4th of May).

    Dogo Spa 
    Dogo Spa is the oldest spa in Japan and provides a fantastic insight in the heritage of Japan, additionally visit and relax at Ibusuki Spa on the southern tip of Kyushu which is renowned for is Hot springs and hot sand saunas. 


    When visiting Japan and you are a food buff then a visit to Osaka is a must, boasting no fewer than 93 Michelin starred restaurants.

    Japan Activities

    Flag Japan Travel Insurance

    The Japanese Alps provide great skiing for the immediate and experience skiers. Hokkaido offers hot springs in their resorts. If you have your ski legs in summer, you can grass ski at Gokase highland which is locate at the most southern ski slope in Japan

    Is very popular in the cherry blossom season is April and May as well as later in the year in October and November. There are numerous tracks and paths through Tokyo to get a better perspective of the capital city. 

    Sado Island
    The unspoilt landscape of Sado Island is the heritage of the Kodo Drummers known as the samurai percussionists. 

    Whale and Dolphin Watching
    The best time to whale and dolphin watch is between January and March. There are plenty of tour operators that are well experienced in locating these fascinating mammals. 

    Ginza is one of the best shopping areas in Tokyo and is a must-see destination when travelling in Japan especially to travellers needing some retail therapy. 

    Martial Arts
    Japan is renowned for its martial arts offering sumo and judo which are national sports of Japan. These tournaments draw massive crowds. Other sports included kendo and fencing. 

    Ueno Park / Maruyama Park
    Ueno Park is located in Tokyo whilst Maruyama Park is located in Kyoto. Both parks offer spontaneous cherry blossom parties in April and May. Great opportunity to get your drinking shoes on and experience some Japanese culture. 

    Soccer/ Football
    Football has taken off in Japan in recent years with the introduction of the Japanese soccer J-League as well as their participation in the world Cup. 

    Is the capital city of Hokkaido and is known for its nightlife and snow festival that operates in February. The snow festival has a duration of 7 days with an abundance of ice sculptures. 

    Japan’s traditional puppet theatre entertainment is a great insight to Japan’s vast culture; other forms of theatre are ‘Can Noh’ and ‘Kabuki’ where actors dress in medieval outfits. 

    Golf courses in and around Tokyo are the most challenging in the world. Be careful to book in advance, however, membership or an invitation is sometimes required.

    Gion Festival
    Is a street parade with plenty of costumes and participants carrying portable shrines. The festival is in Kyoto and takes place in July. 

    Nightlife in Tokyo
    To discover clubs, bars, and geisha tea houses you will need to visit Akasaka and Roppongi. For people looking for a bit faster atmosphere you might want to touch base in Harajuku and Shibuya. 

    Travel Insurance to Japan

    Please refer to the Australian Government website Smartraveller for general information about Japan from the Smartraveller website. Please read the PDS before considering travel insurance to Japan.

    Australian Embassy, Japan

    2-1-14 Mita
    Tokyo 108-8361

    Telephone: +81 3 5232 4111
    Fax            +81 3 5232 4149

    Japan Travel Insurance

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    Japan Travel Insurance

    Cover is subject to the policy terms, conditions, limitations, and exclusions set out in the current Combined Financial Services Guide and Product Disclosure Statement (PDS). Read the (PDS) prior to choosing travel insurance to Japan.