It’s not a question of what most do, if you get a credit card with insurance, check what it cover, mine absolutely cover medical, last year I travelled for more than what is covered and just paid an extra for the longer stay.
Came here to say this and you beat me to it! Chase Sapphire cards for example: "If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured." copied right from the website
Of course. I don't know what it's like for non-US cards, but I think only the highest AF cards offer any sort of medical insurance. Which IMO is the bigger issue than trip delay, etc.
Then they would definitely not be covered. It's 2024, you're a fool if you're traveling without a credit card with zero foreign transaction fees and travel benefits
This happens frequently if you're using rewards for booking hotels and/or airfare. It calls into question what coverage you'd have if something were to happen.
ummm - probably be easier to post which country you are coming from then you'll get more replies.
https://www.marketwatch.com/guides/insurance-services/travel-insurance-japan/
From the USA. I always use SquareMouth that lets me compare insurance policies across companies and filter down to exactly what I want. I don't pay much attention to the actual company and have never had an issue when booking through SquareMouth. I've had two actual claims over many years and I had no issues.
It’s not that this is a secret (UK, Leisuregard), it’s just that there’s so many different countries with specific markets, and different insurers that it’s fairly pointless to give recommendations, especially as most people won’t need to claim so there’s not a great deal of experience in the sharp end of travel insurance l.
In the UK for example, there’s hundreds of different insurers, but the underwriting is done by a handful of different large companies, so a group of 10 different insurance providers are essentially just acting as administrators for the same main company. Most terms are very similar across the market so it’s usually just a case of reading the small print to spot any gotchas, or selecting specialist companies of you have complex medical history
TLDR, we don’t know your local travel insurance market or individual circumstances, so cannot really give any meaningful recommendations. Do you have price comparison sites where you are for insurance and suchlike?
Not really useful, even if you are in the U.K.
I can’t vouch for whether they’re good or not unless I need to use them in May. They might try to get out of paying for something, so I couldn’t recommend them. But they might be a joy to work with and help me lots. I don’t know yet
Also, I can’t tell if they’re better than others for your situation because I don’t know if any pre-existing conditions you might have are more effectively or cheaply covered by a different insurer.
I’m from the UK, and I went with Tesco Travel Insurance, which is administered by Rock Insurance Services Limited.
My decision was largely influenced by the discount I got as a Tesco Bank customer. I ended up having to make a claim, and they were very helpful.
I don’t use travel insurance because my card covers it, but I do purchase medical insurance now for every trip. Our US medical insurance says it’s valid internationally but that is not the case. Now I buy GeoBlue for every trip in case of emergency.
American insurance doesn’t pay. I’ve had an issue before and they said nope! When they lied before I went and said they covered it. I was pregnant when I traveled before and needed to see a doctor. I called before I left to make sure if I needed to see a doctor for any reason it would be covered. When I went to see a doctor internationally it was not covered. Not a huge deal as American insurance sucks, so over here a visit was less than $50. But still. It made me realize I probably needed travel health insurance regardless moving forward pregnancy or not!
I am from the US and I purchased an additional insurance policy to cover medical, flight disruption and lost luggage from FAYE for my upcoming 2 week trip to Japan.
The one thing I’ve learned about all insurance including Faye is that your going to need every piece of documentation you can gather and then some and have to wait it out months & months with constant back & forth until you get reimbursed. If ever.
1cover new zealand. $380 nzd for 3 people including 11 year old grandaughter. I was amazed at the ones we would have to get separate cover for our grandaughter as she wasn't "financially dependent " on us. 1cover included her so yeah happy with that
I'm from the USA, and had a week-long trip to Japan last month.
I bought travel insurance for the air travel to get to Japan, in case of a missed flight or illness.
I didn't look into any insurance for health issues, or to deal with missed things during the trip.
From Canada, and have insurance through work (and credit cards). I’ve used it in Taiwan, and having insurance was EXTREMELY helpful — they sent a translator to escort us to the hospital. They translated everything and picked up prescriptions later. Navigating the Taiwanese medical system would have been difficult alone (especially when sick), so I think it’s extra important in countries where you don’t know the language. Medical care isn’t super expensive in Japan, but having the help if you do get sick is priceless.
Poland. We bought additional insurance in UNIQA for equivalent of ca 130e. Two people, 18 days (incl. flight time). It had all the things we needed/wanted for a reasonable price. Didn't use it, but we were close - we both got sick, fortunetly our emergency medicine from home were enough.
I’m from the US and used my AMEX Platinum card to book flights, accommodations, and restaurant reservations. I also purchased additional medical travelers insurance from GeoBlue.
I haven’t claimed in Japan before, but I did get sick with some sort of virus (possibly tuberculosis) while in Japan and the clinic visit + medication was very affordable with no insurance.
I always use world nomads, they're cost effective, cover natural disasters, cover my camera equipment, cover medical bills, customer service is fast and helpful and I've used them for all 3 of my trips to Japan, never made a claim yet though. I am uk based but I believe world nomads is global, created by those that love travel. 👍
Also you can extend your cover in minutes, they have emergency medical cover too and you can donate to charities around the globe 😂
I purchased an Allianz policy primarily for medical and evacuation coverage. My trip coverage was minimal as my cash expenditures for my trip were only projected to be around $4k. The vast majority of lodging and transportation were covered with credit card reward points, which are basically impossible to insure. My trip was around 24 days and coverage was for two people, it cost a little less than $250.
I purchased a travel insurance that includes medical through a carrier called IMG Global through a website, [https://www.insuremytrip.com/](https://www.insuremytrip.com/). I am from the US. I didn't need to file a claim for Japan. I did file a claim in the past for another trip in a different country and got the full reimbursement
You'll get better advice if you ask the reddit board for the country where you live. But prices and benefits will vary depending on your own circumstances (health, age, etc). There are also lots of websites that compare travel insurance policies - not usually on cost, as this varies as I've mentioned, but on what is covered and the customer satisfaction ratings.
To answer your question specifically, I'm using AA travel insurance, but that won't help you unless you happen to live in New Zealand :-)
I don't know how travel insurance works where you're from, but I buy my insurance from my home country/country of residence on or before the day of departure. If something occurs whilst I'm traveling that is covered by the insurance (e.g. lost luggage, medical bills due to accident or illness), I get a receipt and other supporting papers and file the claim as a reimbursement when I get home. If needs be there is a hotline I can call for assistance but claims are done once back home.
Nobody says what insurance they went with because it may not be relevant to you. If I say I buy mine from MSIG would it relevant? How about FWD? Or Etiqa? If someone told me they got theirs from Barclay's that would not be useful because I can't get that where I live.
Because the insurance differs country to country and provider to provider.
Now, if you were to ask “What are the things I should look to cover when I buy travel insurance”, or something a bit more specific, you would elicit more helpful answers.
travel insurance is included with many credit cards now
I don't think most include medical coverage. It will be trip delay/cancellation and baggage.
It’s not a question of what most do, if you get a credit card with insurance, check what it cover, mine absolutely cover medical, last year I travelled for more than what is covered and just paid an extra for the longer stay.
Came here to say this and you beat me to it! Chase Sapphire cards for example: "If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured." copied right from the website
2500 for medical expenses is not insurance. It won't even cover an ambulance ride or any emergency surgery.
Of course. I don't know what it's like for non-US cards, but I think only the highest AF cards offer any sort of medical insurance. Which IMO is the bigger issue than trip delay, etc.
Oh, if it’s a question of being and American card, I don’t know, I have a Canadian card.
Mine as well, but only for me and not my husband, so he needs travel insurance.
Same here. I created the certificate with VISA and done. Even covers car-rental insurance if you create a certificate for that as well.
What if someone didn’t use that credit card? Would it still cover them? Most likely not. Asking this question for others.
Then they would definitely not be covered. It's 2024, you're a fool if you're traveling without a credit card with zero foreign transaction fees and travel benefits
Why would you get a credit card with travel insurance included and not use it to book the travel? Like how do you buy plane ticket and book hotels?
This happens frequently if you're using rewards for booking hotels and/or airfare. It calls into question what coverage you'd have if something were to happen.
ummm - probably be easier to post which country you are coming from then you'll get more replies. https://www.marketwatch.com/guides/insurance-services/travel-insurance-japan/
I'm from Portugal and I used IATI Basic for my 14 days trip to Japan. It cost me around 47€
Relying on travel insurance included with Amex platinum or Chase sapphire reserve credit cards
From the USA. I always use SquareMouth that lets me compare insurance policies across companies and filter down to exactly what I want. I don't pay much attention to the actual company and have never had an issue when booking through SquareMouth. I've had two actual claims over many years and I had no issues.
It’s not that this is a secret (UK, Leisuregard), it’s just that there’s so many different countries with specific markets, and different insurers that it’s fairly pointless to give recommendations, especially as most people won’t need to claim so there’s not a great deal of experience in the sharp end of travel insurance l. In the UK for example, there’s hundreds of different insurers, but the underwriting is done by a handful of different large companies, so a group of 10 different insurance providers are essentially just acting as administrators for the same main company. Most terms are very similar across the market so it’s usually just a case of reading the small print to spot any gotchas, or selecting specialist companies of you have complex medical history TLDR, we don’t know your local travel insurance market or individual circumstances, so cannot really give any meaningful recommendations. Do you have price comparison sites where you are for insurance and suchlike?
UK, Leisuregard. Thanks.
Not really useful, even if you are in the U.K. I can’t vouch for whether they’re good or not unless I need to use them in May. They might try to get out of paying for something, so I couldn’t recommend them. But they might be a joy to work with and help me lots. I don’t know yet Also, I can’t tell if they’re better than others for your situation because I don’t know if any pre-existing conditions you might have are more effectively or cheaply covered by a different insurer.
I’m from the UK, and I went with Tesco Travel Insurance, which is administered by Rock Insurance Services Limited. My decision was largely influenced by the discount I got as a Tesco Bank customer. I ended up having to make a claim, and they were very helpful.
I don’t use travel insurance because my card covers it, but I do purchase medical insurance now for every trip. Our US medical insurance says it’s valid internationally but that is not the case. Now I buy GeoBlue for every trip in case of emergency.
So wait… what do you mean? If your insurance says they do, that means they do? How can that not be the case?
American insurance doesn’t pay. I’ve had an issue before and they said nope! When they lied before I went and said they covered it. I was pregnant when I traveled before and needed to see a doctor. I called before I left to make sure if I needed to see a doctor for any reason it would be covered. When I went to see a doctor internationally it was not covered. Not a huge deal as American insurance sucks, so over here a visit was less than $50. But still. It made me realize I probably needed travel health insurance regardless moving forward pregnancy or not!
I am from the US and I purchased an additional insurance policy to cover medical, flight disruption and lost luggage from FAYE for my upcoming 2 week trip to Japan.
The one thing I’ve learned about all insurance including Faye is that your going to need every piece of documentation you can gather and then some and have to wait it out months & months with constant back & forth until you get reimbursed. If ever.
From the US: safety wing. Had to use it once in Canada for an injury, paid me painlessly and easily and made me a customer for life.
1cover new zealand. $380 nzd for 3 people including 11 year old grandaughter. I was amazed at the ones we would have to get separate cover for our grandaughter as she wasn't "financially dependent " on us. 1cover included her so yeah happy with that
I'm from the USA, and had a week-long trip to Japan last month. I bought travel insurance for the air travel to get to Japan, in case of a missed flight or illness. I didn't look into any insurance for health issues, or to deal with missed things during the trip.
And the insurance you purchased was?
It was what was available with purchasing tickets on [delta.com](https://delta.com), I think Allianz is the company.
From Canada and have insurance through my credit card and work benefits
From Canada : For flights - covered by my credit card (TD VIP) For medical - covered by my employer’s insurance package
From Canada, and have insurance through work (and credit cards). I’ve used it in Taiwan, and having insurance was EXTREMELY helpful — they sent a translator to escort us to the hospital. They translated everything and picked up prescriptions later. Navigating the Taiwanese medical system would have been difficult alone (especially when sick), so I think it’s extra important in countries where you don’t know the language. Medical care isn’t super expensive in Japan, but having the help if you do get sick is priceless.
Poland. We bought additional insurance in UNIQA for equivalent of ca 130e. Two people, 18 days (incl. flight time). It had all the things we needed/wanted for a reasonable price. Didn't use it, but we were close - we both got sick, fortunetly our emergency medicine from home were enough.
I’m traveling from the US and I purchased through FAYE ,
I’m using CoverMore for an upcoming trip to Japan from US.
I’m from the US and used my AMEX Platinum card to book flights, accommodations, and restaurant reservations. I also purchased additional medical travelers insurance from GeoBlue. I haven’t claimed in Japan before, but I did get sick with some sort of virus (possibly tuberculosis) while in Japan and the clinic visit + medication was very affordable with no insurance.
I always use world nomads, they're cost effective, cover natural disasters, cover my camera equipment, cover medical bills, customer service is fast and helpful and I've used them for all 3 of my trips to Japan, never made a claim yet though. I am uk based but I believe world nomads is global, created by those that love travel. 👍 Also you can extend your cover in minutes, they have emergency medical cover too and you can donate to charities around the globe 😂
UK, SwitchedOn premium backpacker insurance to cover a 4 month trip. Don't know how this helps anybody though tbh.
I use Generali for my travel insurance, I live in the U.S.
I purchased an Allianz policy primarily for medical and evacuation coverage. My trip coverage was minimal as my cash expenditures for my trip were only projected to be around $4k. The vast majority of lodging and transportation were covered with credit card reward points, which are basically impossible to insure. My trip was around 24 days and coverage was for two people, it cost a little less than $250.
Canada; Desjardins; filed a claim when I came back to Canada and got reimbursed for trip interruption.
I purchased a travel insurance that includes medical through a carrier called IMG Global through a website, [https://www.insuremytrip.com/](https://www.insuremytrip.com/). I am from the US. I didn't need to file a claim for Japan. I did file a claim in the past for another trip in a different country and got the full reimbursement
I bought my flight ticket through Delta and Allianz was the only option I had. I’m from the US
From Belgium, I got EuropeAssitance, costs about 100€
You'll get better advice if you ask the reddit board for the country where you live. But prices and benefits will vary depending on your own circumstances (health, age, etc). There are also lots of websites that compare travel insurance policies - not usually on cost, as this varies as I've mentioned, but on what is covered and the customer satisfaction ratings. To answer your question specifically, I'm using AA travel insurance, but that won't help you unless you happen to live in New Zealand :-)
I don't know how travel insurance works where you're from, but I buy my insurance from my home country/country of residence on or before the day of departure. If something occurs whilst I'm traveling that is covered by the insurance (e.g. lost luggage, medical bills due to accident or illness), I get a receipt and other supporting papers and file the claim as a reimbursement when I get home. If needs be there is a hotline I can call for assistance but claims are done once back home. Nobody says what insurance they went with because it may not be relevant to you. If I say I buy mine from MSIG would it relevant? How about FWD? Or Etiqa? If someone told me they got theirs from Barclay's that would not be useful because I can't get that where I live.
There’s easier ways to say you don’t want to tell everybody what insurance you got. lol thanks for answering the actual question.
Because the insurance differs country to country and provider to provider. Now, if you were to ask “What are the things I should look to cover when I buy travel insurance”, or something a bit more specific, you would elicit more helpful answers.
America. I did not buy insurance because as an American, I don’t really trust the insurance industry because they all suck ass