Background information
Traveling internationally can be an exciting adventure. With a few challenges such as obtaining the proper visas, contacting banks and arranging insurance, traveling to Japan poses some unique complications. One of the most pressing of them is finding the right kind of travel coverage. Thankfully, for nationals of the United States, this is not an issue when traveling in Japan. The Hawaiian Medical Services Association (HMSA) provides many types of travel protection while in the country.
HMSA Coverage for Travel to Japan
HMSA partners with Seven Corners, Inc. to provide international health insurance for U.S. citizens traveling to Japan that covers emergency medical evacuation and repatriation. These documents provide travelers with an extra layer of protection if they are suddenly taken ill or are injured while abroad. The trip interruption insurance also offers the traveler some protection if they are forced to cancel their trip due to unforeseen events.
HMSA also provides trip cancellation coverage, which will reimburse the traveler in part or in full if they are forced to cancel their trip to Japan. This is a great benefit for those who are planning to travel to Japan and are concerned about possible financial losses in the event that they have to cancel their trip.
What is Covered?
The HMSA travel insurance coverage for Japan covers a wide variety of medical, accident, and travel-related issues. Medical benefits include up to $50,000 in emergency medical and dental expenses, emergency medical evacuation, and repatriation. The accident and travel coverage provided by HMSA includes 24-hour travel assistance, trip cancellation or interruption due to unforeseen circumstances, baggage loss or delay, and rental car collision/damage coverage.
Exclusions
It is important to note that there are some exclusions to the HMSA coverage for travel to Japan. These include pre-existing medical conditions, lost tickets, and any issues connected with hazardous activities such as extreme sports or unsupervised air, sea or land travel. The policy also does not cover the cost of international flights.
How to Get Covered
The HMSA travel insurance is easy to obtain and can be purchased online. The cost of the insurance depends on the length of stay in Japan and the various types of coverage the traveler wishes to purchase. Once the policy is purchased, the traveler will receive a PDF document outlining all aspects of their coverage, as well as an ID card and certificate that must be carried with them at all times while in Japan.
The Value of Insurance While Traveling
Having the right kind of travel insurance while in Japan can be invaluable. Travelers can avoid costly medical bills if they are taken ill or are injured while abroad. It can also help alleviate stress in the event of an emergency, as the traveler will know that they have a safety net in case of misfortune.
Pros and Cons of HMSA Insurance
One of the advantages of HMSA insurance while traveling in Japan is the comprehensive coverage provided. The policy covers a wide range of common issues and emergencies that may occur while abroad. On the downside, HMSA insurance does not some exclusions that should be noted. Furthermore, the cost of the policy can be quite high, depending on the length of stay in Japan and the type of coverage the traveler wishes to purchase.
Claims Process
If travelers are forced to make a claim while in Japan, the process is straightforward. In the case of an emergency, they must contact the HMSA designated assistance provider who will facilitate the claim and the necessary medical services. HMSA will then communicate with the provider directly to facilitate payment and resolution of the claim.
Hospitals Covered
When selecting an HMSA policy, travelers must make sure that the hospitals they wish to visit are covered by the policy. HMSA has a list of approved hospitals in Japan and they must be contacted prior to making a claim.
Conclusion
The HMSA travel insurance for Japan can provide travelers with the security and peace of mind they need to make the most out of their trip. Having this additional coverage can help alleviate the financial burden that can arise during a medical emergency abroad, as well as provide other benefits, such as trip cancellation insurance. If travelers do their due diligence in researching the various insurance policies and finding the right one to meet their needs, they can rest assured that they will have the coverage they need while traveling in Japan.
