“Just give me cheap and good”
But when you’re travelling to Japan as a family with kids to care for, you can’t simply choose the cheapest Japan travel insurance as they may not cover your children well enough.
So what should you look out for if you’re planning a trip to Japan with your family? Here’s what you need to consider and our top recommendations for a family trip to Japan!
TL;DR: Best Japan Travel Insurance For Families
| Plan Name | Premiums (after discounts for 2 adults & 2 kids) including COVID-19 coverage | Overseas Medical Coverage | Personal Accident | Additional Benefits for families |
|---|---|---|---|---|
| FWD Travel Premium Plan
Apply Now |
$86.59 | Up to $200,000 (adults under 70 years old)
Up to $60,000 (child) |
Up to $200,000 (adults under 70 years old)
Up to $60,000 (child) |
Child Companion Benefit: $5,000 |
| Seedly Travel Safe
Apply Now |
$103.52 | Up to $200,000 (adults under 70 years old)
Up to $2,000 (child) |
Up to $150,000 (adults under 70 years old)
Up to $10,000 (child) |
Child Companion Benefit: $5,000 Child Support Grant for each dependent Child: $15,000 |
| Income Classic Plan | $111.71 | Up to $250,000 (adults under 70 years old)
Up to $150,000 (child) |
Up to $150,000 (adults under 70 years old)
Up to $75,000 (child) |
Rental vehicle excess cover: $1,500 |
| Hong Leong Assurance Travel Insurance (Enhanced) | $89.50 | Up to $250,000 (adults under 70 years old)
Up to $100,000 (child) |
Up to $250,000 (adults under 70 years old)
Up to $50,000 (child) |
Child Education Grant (benefit per child): $5,000 Rental vehicle excess cover: $750 |
In This Article:
Comparison Criteria
Before we dive into the best Japan travel insurance for families, we need to lay out our criteria for comparison. For this instance, we will assume a family of two adults and two children going to Japan for a seven-day trip.
As COVID-19 is still lingering around, we’ll also be including COVID-19 coverage as children are more susceptible to it.
Other than that, we will be looking at insurers that give additional benefits for families such as child companion benefits, child education/support grants, overseas medical coverage and personal accident coverage for your child.
Important Categories to Take Note of For Families
Apart from the typical overseas medical coverage and personal accident categories that all insurers have in common, there are some particular categories you need to look out for when planning a family trip to Japan:
Child Companion Benefit
This is probably one of the most important categories that you should look out for.
Ever gone overseas and just fallen sick due to food poisoning or just felt unwell? Now imagine that but with your children to take care of as well. Unless you want to stress out your partner to look after your children alone, having a “child companion benefit” can help you fly another adult to Japan to take care of your little ones.
To elaborate further, I’ve extracted the exact policy wording from FWD travel insurance page:
We will reimburse the costs of an adult family member who
travels to be with you if:
– you suffer an unexpected illness or injury while overseas
on a trip; and
– as a result of that illness or injury, you are confined to a
hospital for at least 5 continuous days; and
– a medical practitioner confirms that you cannot return to
Singapore for further treatment; and
– you are travelling with one or more children, and you are
the only adult.
Child Support or Education Grant
This category is basically a lump sum payment for each child upon the accidental death of a covered parent.
Rental Vehicle Excess Cover or Car Rental Excess Cover
Public transport in Japan is notorious for being super confusing despite being one of the most efficient. Plus, if you are travelling in Tokyo with your kids, you definitely do not want your babies to be packed in the middle of towering adults during rush hour.
Thus, a lot of families prefer to rent a car instead for the convenience.
For those intending to rent a car in Japan, this is one category that you should definitely consider when picking travel insurance for Japan.
With this coverage, you will be reimbursed for the cost of repairing the damage to your rental car should an accident happen.
All premiums shown will only be at face value, or the discounted price. However, I will be including free gifts and actual offers where available.
Disclaimer: The Information provided by Seedly does not constitute an offer or solicitation to buy or sell any insurance product(s). It does not take into account the specific objectives or particular needs of any person. We strongly advise you to seek advice from a licensed insurance professional before purchasing any insurance products and/or services. SingSaver and Seedly are companies owned by MoneyHero Ltd (NASDAQ: MNY).
Best Japan Travel Insurance for Families
| Plan Name | Premiums (after discounts for 2 adults & 2 kids) including COVID-19 coverage | Overseas Medical Coverage | Personal Accident | Additional Benefits for families |
|---|---|---|---|---|
| FWD Travel Premium Plan
Apply Now |
$86.59 | Up to $200,000 (adults under 70 years old)
Up to $60,000 (child) |
Up to $200,000 (adults under 70 years old)
Up to $60,000 (child) |
Child Companion Benefit: $5,000 |
| Seedly Travel Safe
Apply Now |
$103.52 | Up to $200,000 (adults under 70 years old)
Up to $2,000 (child) |
Up to $150,000 (adults under 70 years old)
Up to $10,000 (child) |
Child Companion Benefit: $5,000 Child Support Grant for each dependent Child: $15,000 |
| Income Classic Plan | $111.71 | Up to $250,000 (adults under 70 years old)
Up to $150,000 (child) |
Up to $150,000 (adults under 70 years old)
Up to $75,000 (child) |
Rental vehicle excess cover: $1,500 |
| Hong Leong Assurance Travel Insurance (Enhanced) | $89.50 | Up to $250,000 (adults under 70 years old)
Up to $100,000 (child) |
Up to $250,000 (adults under 70 years old)
Up to $50,000 (child) |
Child Education Grant (benefit per child): $5,000 Rental vehicle excess cover: $750 |
FWD Travel Insurance
As you can tell, FWD travel insurance is the cheapest Japan travel insurance for families. It covers all the important categories, such as overseas medical coverage and personal accident for your family, up to a pretty good amount compared to the others. Plus, it also has child companion benefits if you need to pay for an adult family member to visit to look after your child(ren).
Moreover, if you intend to rent a car in Japan for road trips, there is also rental excess cover.
Seedly Travel Insurance
Seedly Travel Insurance is another competitive choice. While the coverage for children in both overseas medical coverage and personal accident categories isn’t as high as FWD Travel Insurance, you do get a child support grant of up to $15,000 for each dependent child on top of a child companion benefit of up to $5,000.
If you’re considering travel insurance, make sure you check out Seedly Travel Insurance!
This travel insurance is ideal for everyone, particularly families, as it automatically includes insurance protection for children without needing additional add-ons!
Built from the ground up based on what users want in a travel insurance plan, Seedly Travel insurance includes COVID-19 coverage, personal accident benefits per child, and all your travel essentials covered!
Sign up now and enjoy 50% off and an additional 7% off with promo code ‘march7‘.
You’ll also receive a FREE 3GB Airalo Travel eSim (worth US$10) and up to S$50 Grab Vouchers! And that’s not the end.
From now till 10 March 2024, you will also get a FREE Apple AirTag (worth S$45)! No min. premium required.
Apply Now
Income Classic Plan
While slightly more expensive than FWD and Seedly travel insurance, the Income Classic Plan offers much higher overseas medical coverage. What makes it special for families travelling to Japan is the rental vehicle excess cover of a generous $1,500.
Thus, if you are renting a car in Japan, this should be your first choice!
Hong Leong Assurance Travel Insurance (Enhanced)
Despite being the most expensive in this list, Hong Leong Assurance Travel Insurance (Enhanced) covers two out of the three important categories for families whilst providing pretty good overseas medical and personal accident coverage for both adults and children.
It offers a standard child education grant benefit per child of up to $5,000 and a rental vehicle excess cover of $750, making it a great choice for families renting a car in Japan.