Travelers24.com
Smart Tips for Smart Travelers
Homepage   |   Site Map
 
 
 
 
 
 
 
 

 

 
 

Informative Articles

8 things not to forget when traveling to the tropics
Sometimes it is hard to pack for a place or climate that is new. When packing to go to the tropics there are some items that you don't want to forget.
1. Appropriate Identification: With tighter security these days it...

Avoid Air Sickness While Traveling
How to Have a Grand Time in the Skies. Even in the olden times, the problem of motion sickness had been prevalent. In fact, it was even referred to as "camel sickness" in the Bible, where the camel riders experience nausea due to moderate...

Cheap Travel Secrets
There are two ways to save money traveling. The first way is to get the best deals on the specific things you want. There is a limitation to this type of approach though. If, for example, you find the lowest price on the best hotel in Honolulu...

Holiday Travel- What You Must Know!! It's Never Too Early...
With the summer months past us it is time to start thinking of the holidays and end of year celebrations. So, students, families, parents, and anyone- listen up!! Obviously things have changed in travel and the world over the past few years, so it...

Understanding The Travel Agent Position
Getting To Know the Work of a Travel Agent
For people who are fond of traveling to different places, visiting marvelous beaches, and taking a trip to the most exotic island paradise, the job of a travel agent seems to be a far better job...

 
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.


About the Author
Steve Cogger is an avid traveler offering a wealth of travel information. For more information on travel insurance visit http://www.1-Happy-Traveller.com.


 




 

 
All rights reserved  |  © 2006-2021
 
Homepage  |  Site Map
info@travelers24.com
 
Sponsor |  USA  |  China  |  Love Travel