Vivinavi : Los Angeles : (United States) Los Angeles

• 日本行き
• 2018/12/27 (Thu) 18:26
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Mr. Doubokujinman, what do you do about travel insurance? I am not sure what to do since it costs almost $100 for a week at AAA. I couldn't buy travel insurance from a Japanese insurance company on my cell phone in the U.S.

• 倍金萬
• 2018/12/29 (Sat) 09:52
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Japan-bound,

I am at the "buy when you feel like it" level, and in the past I have only clicked on it when it automatically appeared on the screen when booking online with Delta. I don't remember how much was medical insurance for medical expenses at the destination. I think the maximum amount of expenses for an Emergency Visit was written in monetary terms. "In AAA, it is almost $100 per week," which seems a bit high to me since I also go to Japan for more than 2 weeks. However, it is $300 for 3 weeks, which is not bad if it pays up to, say, 5,000,000 yen ($45,000) for medical expenses. Well, insurance is like a "gamble" and you have to take it or leave it. I am also a member of AAA, so I will look into AAA travel insurance. I wrote in #711 that "it is quite applicable even if you are coming from here", but I am sorry that I seem to have led you to make a mistake. Maybe the Japanese insurance company's website will not allow you to buy it from overseas. I meant to say that this would be helpful here as well, as it says that you should have a good grasp of the "terms and conditions" and "coverage" before buying travel insurance. It also cautioned against buying tosa without checking the contents at the airfield when you leave.

• 日本行き
• 2018/12/29 (Sat) 20:18
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Thank you for your reply, Mr. Doubaikinman. My insurance is with Kaiser, so I am afraid that I might fall and hurt myself in Japan. I would like to know if anyone has filed a claim with Kaiser for medical expenses in Japan.

• 倍金萬
• 2018/12/30 (Sun) 10:46
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My wife and I and our oldest son's family are with Kaiser, but when our oldest son's family went on a trip to Korea a few years ago for some reason, our oldest son had a herniated disc that was so bad he could not move in Seoul, although he had always wanted to do so.

I contacted Kaiser from Korea, but Kaiser would only pay for the first "emergency treatment", so we went to a large hospital for emergency treatment, and the whole family went via Hawaii on Hawaiian Airlines, which was cheaper, but he was forced to pay over $2,500 one way. However, he had no choice but to fly back to LAX by Asiana Airlines, paying more than $2,500 for one way.

So, I heard that Kaiser only covers "first aid" or the first medical checkup, no matter how hard you try. Well, I think all insurance companies have similar policies, except for the most expensive plans. As you might guess, it is the same in Japan, but we have no way of reviewing the huge amount of medical claims from foreign hospitals.

• 技巧派
• 2018/12/30 (Sun) 16:58
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I use this for travel insurance every time I go to Japan.
https://www.sevencornersドットcom

I think the coverage for one or two weeks is not expensive.

Last year, during my stay in Japan, my stomach started to hurt so much that I had an endoscopy at a gastroenterologist and was charged 45,000 yen.
I had to pay the bill myself at that time, but after returning to the U.S., I sent the medical certificate and the bill to the insurance company and received the full amount back. （ The medical certificate and the claim form were acceptable in Japanese ）

I think you can apply for a plan that suits you because you can choose the options.