4 Best Travel Insurance Plans for Your Next Japan Holiday

Planning your next holiday to Japan and wondering which travel plan to get? Here are four travel insurance plans that offer high coverage along with a slew of useful benefits.  

Best Travel Insurance With COVID-19 Coverage in Singapore

AIG Travel Guard® Direct | MSIG TravelEasy | Tiq Travel Insurance | Starr TraveLead Travel Insurance | HLAS CovidSafe Travel Protect360 | FWD Travel Insurance - COVID-19 Rider | Singlife Travel Insurance | Allianz Travel Insurance | Sompo Travel (COVID-19) Insurance | Allied World Travel Protector | Starr TraveLead Travel Insurance

If you love Japan, you’re not alone. In December 2022 alone, over 67,000 Singaporeans paid a visit to the Land of the Rising Sun – that’s enough to fill 150 Airbus 380s!

No doubt there’s plenty to see, do and love about Japan, but making a trip there isn’t without hazards. For one, the country is prone to earthquakes and typhoons, which can cause flight disruptions and wreak havoc on your itinerary. And even if your luggage should go missing (rare, but it happens), who wants to waste precious holiday time fretting about having to spend extra on replacement clothing and personal items?

No one, of course. Which is why it’s a good idea to make sure you sign up for a robust travel insurance plan before you jet off, lest you just happen to draw the short straw and find yourself in need of some assistance. 

And not to be a nag or anything but, COVID-19 still remains a menace, which means having travel insurance is the smarter play no matter which way you slice it. 

Table of contents:

• Best travel insurance plans for japan
  • MSIG TravelEasy
  • Allianz Travel Insurance
  • TIQ Travel Insurance
  • Starr TraveLead

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Best travel insurance plans for Japan

Product	Key benefits	Premiums*	Apply
MSIG Elite Plan Apply Now	- Up to S$1 million overseas medical expenses (up to S$250,00 for COVID-19) - Up to S$500,000 for accidental death or total and permanent disability (double cover on public transport) - Up to S$1 million for emergency evacuation and repatriation  - Up to S$15,000 for travel cancellation (up to S$5,000 for COVID-19) - Up to S$7,500 for luggage and personal items and up to S$5,000 for travel documents - Available in pre-ex variant that covers pre-existing conditions	From S$45.60	Apply Now
Allianz Travel Comprehensive Platinum Plan - Asia Pacific Apply Now	- Up to S$1 million overseas medical expenses  - Up to S$100,000 for accidental death or total and permanent disability  - Up to S$1 million for emergency evacuation and repatriation  - Up to S$10,000 for travel cancellation  - Up to S$5,000 for luggage and personal items - COVID-19 coverage included for overseas medical expenses, trip cancellation and emergency evacuation - Up to S$1,500 for sports coverage missed activities - Up to S$1,500 for rental car excess	From S$37.20	Apply Now
Tiq Travel Luxury Apply Now	- Up to S$1 million overseas medical expenses (up to S$300,000 for COVID-19) - Up to S$500,000 for accidental death or total and permanent disability  - Up to S$1.8 million for emergency evacuation and repatriation (up to S$500,000 for COVID-19) - Up to S$10,000 for travel cancellation (up to S$5,000 for COVID-19) - Up to S$3,000 for luggage and personal items - Available in pre-ex variant for pre-existing conditions	From S$25.80 (+S$13.80 for COVID-19 cover)	Apply Now
Starr TraveLead Gold Plan - Worldwide (Annual) Apply Now	- Up to S$1 million overseas medical expenses (up to S$65,000 for COVID-19) - Up to S$500,000 for accidental death or total and permanent disability  - Unlimited cover for emergency evacuation and repatriation  - Up to S$15,000 for travel cancellation (up to S$500 for COVID-19) - Up to S$7,500 for luggage and personal items - Up to S$1,200 rental vehicle excess - Up to S$15,000 home contents coverage	From S$40.80	Apply Now

*Note: Premiums shown are for single trip, single adult, 7-day coverage period.

MSIG TravelEasy

Premiums* (regular): 

• Standard: S$45.60
• Elite: S$63.60
• Premier: S$87.90 

Premiums* (Pre-ex):

• Standard: S$77
• Elite: S$97
• Premier: S$136

MSIG TravelEasy and TravelEasy Pre-ex offers a wide range of travel benefits and provides generous claims limits for almost every item. The per-family sub-limits do bring down the upper limits somewhat, but that’s just the nature of travel insurance. 

In any case, that shouldn’t detract from the plan’s many merits, which includes high coverage for accidental death and total and permanent disability, with double cover for public transport; up to S$1 million in overseas medical expenses (along with benefits for follow-up medical treatment in Singapore; and up to S$15,000 for travel cancellation or trip curtailment. 

It’s also worth noting that the Pre-ex variant of the plan covers pre-existing conditions, so there’s no need to leave anyone out from your Japan holiday. 

Allianz Travel Insurance

Premiums*: 

• Bronze: S$37.20
• Silver: S$67.20
• Platinum: S$90.60

Allianz Travel Insurance provides the same level of coverage for COVID-19 claims as they do for claims arising from other covered reasons, which means you won’t be penalised with lower coverage in case the disease makes an unwelcome appearance on your trip. 

Another thing to like about this plan is the inclusion of several benefits that other insurers tend to charge extra for, including rental car excess waiver, sporting equipment and equipment rental, and coverage for missed activities. All these are bundled in at no extra charge. 

One drawback is the relatively low personal accident, which tops out at S$100,000, but at least it doesn't skimp on the benefits that truly matter – overseas medical and emergency evacuation. The low premiums also makes it an easy sell. 

Tiq Travel Insurance

Premiums* (regular): 

• Entry: S$25.80 (+S$13.80 for COVID-19 cover) 
• Savvy: S$40.20 (+S$21.60 for COVID-19 cover)
• Luxury: S$51.00 (+S$31.80 for COVID-19 cover)

Premiums* (pre-ex):

• Entry: S$69 
• Savvy: S$93 
• Luxury: S$111.60 

Tiq Travel Insurance gives holidaymakers peace of mind with robust trip coverage including up to S$1 million for overseas medical expenses, up to S$500,000 for personal accident, and up to S$1.8 million combined coverage for emergency evacuation and repatriation. 

It also does well in hospitalisation benefits, providing up to S$20,000 in overseas hospital income (S$200 per 24 hours) and up to S$1,500 hospital allowance in Singapore (S$100 per 24 hours).

For travel inconveniences, this plan offers up to S$10,000 for trip cancellation (up to S$5,000 for COVID-19), up to S$5,000 for travel curtailment including hijack, and up to S$1,000 for travel postponement. 

Unfortunately, benefits for luggage and personal items are comparatively lower than in other plans, topping out at S$3,000. However, it does have separate benefits of S$500 each for lost money and travel documents, which may make up for it in some situations. 

One more thing to note: This travel plan has a variant that covers pre-existing conditions, so it’s a worthy consideration for those who may be dealing with such. However, COVID-19 coverage is not included for pre-ex plans, so you may want to clarify with the insurer on your rights and benefits before signing up. 

Starr TraveLead Travel Insurance

Premiums*: 

• Bronze: S$40.80
• Silver: S$52.80
• Platinum: S$68.40

Another value-for-money travel plan to consider is Starr TraveLead Travel Insurance, which offers up to S$1 million benefits for overseas medical expenses, unlimited cover for emergency evacuation and repatriation, and up to S$500,000 personal accident coverage. 

While COVID-19 benefits are included, they are disappointingly quite meagre, coming in at a maximum of S$65,000 for overseas medical expenses. However, the overseas hospital cash benefit helps to make up for this somewhat, with up to S$15,000 per trip (S$200 per day).

Thankfully, this plan does better in terms of travel inconveniences, covering policyholders for up to S$15,000 for travel cancellation (but only S$500 for COVID-19), up to S$7,500 in luggage and personal belongings, and up to S$4,000 for loss of travel documents. 

There is also rental vehicle excess of S$1,200 included, as well as up to S$15,000 coverage for home contents while you’re away from home. 

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