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While travel insurance isn’t anything new, it’s still as essential to international travelers today as it was years ago. Specifically, travel insurance is designed to cover you abroad were you to get sick or become injured. Yes, many travelers already have healthcare plans, but each country’s healthcare system works differently, so there’s no guarantee that the insurance plan that covers you in the U.S. will cover you in Japan. Travel insurance, on the other hand, has you covered, both in terms of major medical situations, emergency evacuations and minor medical cases that need treatment.
Medical coverage is just one reason behind the importance of travel insurance, but there are other areas of coverage as well. Here’s a look:
Trip cancellation:
Aside from coverage for medical situations, trip cancellation travel insurance is the most popular type of policy. Specifically, it protects policyholders in the event that they need to cut a trip short, for whatever the reason. When you’re traveling in Japan – let alone anywhere abroad – things can change quickly, whether it’s the weather, your medical condition, your business schedule, etc. Trip insurance makes sure that you’re not on the hook financially for changes made to your plans.
Accidental death/flight accident:
Nobody ever thinks they’re going to die on a trip or – God forbid – be involved in a type of travel accident. But the accidental death/flight accident type of travel insurance is essentially a life insurance plan that pays a designated beneficiary benefits should you meet a tragic fate on your trip. It’s nothing that anyone likes to think about, but it’s an option for travelers who would rather be safe than sorry.
Travel insurance can typically be purchased on a per-trip or annual basis, although about 80 percent of all travel insurance is purchased on a per-trip basis. In terms of cost, travelers purchasing it on a per-trip basis can expect to pay somewhere in the neighborhood of 4 to 9 percent of their total trip cost on such insurance.
For more information on travel insurance and to book your Japanese adventure, contact Inside Japan Tours today or view more Japanese travel tips.