Japanese Overseas Travel Insurance

If you are an expatriate planning on long-term residence in Japan you can, after a one-year stay, become a part of Japan's national health program. Until that time, however, you're going to need Japanese overseas travel insurance.

Some of the Japanese overseas travel insurance options include not only trip or annual medical emergency coverage for travel but also disability insurance, personal liability coverage and term life insurance. Japanese overseas travel insurance's medical coverage with some plans offers full (100 percent) reimbursement for prescription medicine, medical care for diagnostic purposes, hospital stay and even surgery. You'll also be covered in case of terrorism and an evacuation to your home residence in the event of medical or terrorist emergency.

One firm whose Japanese overseas travel plan we perused offered coverage for those over 80 years old, difficult to find. The minimum coverage time period for this plan is one week (seven days) with a one-year maximum, although it can be renewed for a total of three consecutive years of coverage. Coverage varies according to your age. You must be at least two weeks old for any coverage. If you are under 70 years of age you can choose coverage limits that range from $50,000 to $1 million. Folks between 70 and 79 are excluded from coverage that exceeds $50,000, while those 80 or older can only be covered to a maximum of $10,000.

Let's look at a couple of quotes to see the variation in cost for age, children, number of travelers, and participation in sports. We'll also look at the cost for non-U.S. citizens. The first quote is for a single U.S. resident 18-29 years of age traveling along for one year and not wanting the rider for sports coverage. A $1 million ceiling for Japanese overseas travel insurance coverage, with a $250 deductible, is $576. Reducing the ceiling doesn't seem like nearly as good a deal - the premium is $504, although increasing the deductible to $1000 reduces the cost to $403.20. That same Japanese overseas travel insurance coverage for non-U.S. citizens is several hundred dollars more.

For a couple both 30-39 years old with two children traveling with them, Japanese overseas travel insurance does not come cheap. Assuming U.S. residence and a $500,000 ceiling with $500 deductible the hefty price tag for this coverage is $1814.40. While this may seem excessive, consider the cost of medical coverage for one or more of you, or for emergency evacuation. You'll probably come to the conclusion that Japanese overseas travel insurance is inexpensive as compared to the alternative.

Steve Cogger is webmaster of the 1 Happy Traveller website. Visit the site today to receive all of the information on travel insurance you could possibly need.

---

Why Do You Need Homeowners Insurance?

The biggest single investment most people make in their lifetime... Read More

Is Life Insurance Comparison Really Necessary?

When you want to purchase a life insurance policy, you... Read More

Filing An Insurance Claim

Everything seemed pretty simple when you purchased that insurance policy.... Read More

Buildings Insurance and the Threat of Flood

What is the impact of increased flooding risk in the... Read More

Can I Get Affordable Dental Care?

In the United States most companies offer their employees dental... Read More

Insurance Glossary of Terms

Assured - Those insured under the terms of an insurance... Read More

MSA or HSA: Can I Keep My MSA Or Do I Need to Convert it into an HSA?

The Medical Savings Account (MSA) is an older form of... Read More

Why Should You Purchase Your Auto Insurance Online?

If you're interested in slashing your auto insurance bill in... Read More

Senior Life Settlement-Uses and Applications

In a recent article in the National Underwriter (April, 2005)... Read More

Term Life - Who Needs It?

If you've read any of the books or articles by... Read More

A Few Things Everyone Should Know About Disability

Did you know? One year of disability can wipe out... Read More

Online Health Insurance Quotes - Finding The Cheapest Rates Possible

Shopping for health insurance can be very discouraging when you... Read More

Why Boat Insurance Is A Necessity

Boat insurance is necessary for all boat owners who live... Read More

Outside Pressures On The Typical Insurance Adjuster

Insurance adjusters are not without outside pressures they must deal... Read More

Why Would I Need Auto Insurance Specialists?

If you do not understand the way that auto insurance... Read More

Are Accidents More Likely To Occur Closer To Home?

If you are going to be involved in an accident,... Read More

Home Insurance Terms

Home insurance, or even homeowners insurance, is an insurance policy... Read More

Seven Steps to Filing Your Car Insurance Claim

Having even a teeny-tiny car accident can be one of... Read More

Life Insurance Settlement

A new financial tool is now available for senior citizens.... Read More

Cure The Insurance Blues By Lowering The Cost of Your Premiums

Does the current amount that you pay on your insurance... Read More

Do Insurance Premiums Increase Every Year?

Many people ask, "If I am supposed to get a... Read More

Choosing the Best Life Insurance Option for You

Life insurance in the UK is becoming more and more... Read More

How Do I Lower My Auto Insurance Rates?

Since there are many factors that go into determining your... Read More

Finding Health Insurance for Self-Employed Individuals: A Guide For the Freelance Newbie

With a rise in those looking to venture out on... Read More

Do An Auto Insurance Comparison And Benefit From The Savings

It is very important to do an auto insurance comparison... Read More

Insurance Claim - Medical Insights And Expenses

There's nothing that has a greater impact on evaluating a... Read More

How Can I Compare Life Insurance Quotes?

The online life insurance companies offer a free service where... Read More

Term Life Insurance and Permanent Life Insurance

Term insurance and permanent insurance are two basic types of... Read More

Health Insurance Plans and their Differences

Health insurance plans have changed dramatically over the past ten... Read More

Discount Insurance - Get Affordable Coverage For All Your Insurance Needs

Insurance is an important part of our lives. If you... Read More

Health Savings Accounts

Most people with health insurance, especially employer paid health insurance,... Read More

Life Insurance, the Universe, and Everything

You may have noticed that life insurance is coming back... Read More

Are You Overpaying On Your Home Insurance Policy?

For many consumers the cost of daily living is becoming... Read More