tokio marine travel insurance

訪日外国人向け保険・インバウンド保険

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Hello!　If you are reading this page, you are probably planning a trip to Japan. No matter where you go, an Internet connection is very important.　Without an Internet connection, you may not be able to do the things you had planned to do, such as visit the stores you want to go to or do research during your trip. Since Japan is a foreign country to you, you will feel stress if you do not have the same environment as usual. This site is for travel insurance during your stay in Japan, but we would like to respond to the many questions and concerns we have received from our customers. What […]

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Running is a popular sport in Japan, and marathons are organized in many places. More and more foreign tourists are coming to Japan to enter marathons held in Japan. If you are coming from abroad to run a marathon in Japan, you should consider injury prevention.(Insurance during your stay in Japan) What is the appeal of Japanese marathons? What is different about Japanese marathons? Marathon experience to enjoy the spectacular scenery of Japan’s unique culture and nature Japanese marathons combine the beauty of the four seasons with traditional culture, allowing participants to experience Japan’s unique nature and culture while running. In spring, in particular, participants can run amidst cherry blossoms […]

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Winters in Japan are very cold. There are also views that can only be seen during the winter season and meals that are not available. Personally speaking, I would say that you will enjoy the winter months more than the summer months with regard to scenery and food, but be aware that you are more likely to get sick during the winter season. Winter season is a good time to get sick. While there are no specific “Japan-specific diseases” that foreign travelers are susceptible to in Japan, especially during the winter months, there are some health risks that should be noted due to the season and environment. Below are some […]

Travel from Taiwan to Japan – Travel Insurance (up to 31 days)

What should I be aware of when traveling abroad from Taiwan to Japan? The problems that Taiwanese people may experience while traveling in Japan are as varied as those experienced by foreigners visiting Japan from other countries. Below are three common problems that Taiwanese travelers should be aware of. Although Japanese people tend to be friendly toward Taiwan and generally welcome visitors, there are still many things they do not understand due to the differences between the two countries. Those of you who have been to Japan many times may be familiar with this, but please check again. Differences between Traditional and Japanese Kanji In Taiwan, Chinese characters are usually […]

Before and after the application] [TOKIO OMOTENASHI POLICY] application How to contact the insurance company & go to the hospital.

Must be installed after signing the contract If you need to go to a hospital while in Japan, you must contact Tokio Marine & Nichido’s call center via the app. Languages other than Japanese are also supported, and calls can be made from the customer’s smartphone (home country line only). Start with installation From your smartphone Please search “TOKIO MARINE Safety Information”. If you are using android click here If you are using an iphone click here Step 1] First, Log in. Please check [I agree to the terms and conditions] on ↑. Step 2] Enter the ACTIVATE CODE One of the most frequently asked questions is, “I don’t know […]

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Tokio Marine Travel Insurance Review: Claim, Promotion, Policy Wording

Tokio Marine deserves a prize for being the most underrated insurance company in Singapore. The only thing most people know about them is that they’re a Japanese company like Daiso . But it would not have occurred to most of us to buy travel insurance from them.

Tokio Marine’s travel insurance plan is called TM Xplora Plus. It comes in two tiers:

This travel insurance plan you’ve never heard of is actually quite comprehensive, and go so far as to cover things like extra pet boarding costs and loss of frequent flyer points.

But how does Tokio Marine’s TM Xplora Plus plan match up to the competition? Here’s a detailed breakdown of the prices and coverage.

• Tokio Marine Travel Insurance: Summary
• Toko Marine Travel Insurance
• Tokio Marine Travel Insurance Covid-19
• Tokio Marine Travel Insurance Extreme Sports
• Tokio Marine vs Great Eastern vs AIA Travel Insurance
• Tokio Marine Travel Insurance Promotion
• Tokio Marine Travel Insurance Claim Review
• Should I buy Tokio Marine Travel Insurance?

1. Tokio Marine Travel Insurance Summary

Tokio Marine’s TM Xplora Plus comes in two tiers:

• Classic – up to $300,000 worth of overseas medical expenses
• Premier –  up to $500,000 worth of overseas medical expenses

You also have the option of purchasing single trip plans of up to 183 days or annual plans, which cover you for unlimited trips within a year of up to 90 days each.

2. Tokio Marine Travel Insurance Coverage

As you know by now, TM Xplora Plus comes in two tiers, Premier and Classic.

Premiums vary depending on which zone countries you are travelling to fall under. Here are the zones:

• Zone A: Malaysia, Thailand, Indonesia, Brunei, Philippines, Vietnam, Laos, Myanmar, Cambodia, China (including Inner Mongolia), Hong Kong, Macau, Japan, Taiwan, South Korea, India, Sri Lanka, Australia and New Zealand
• Zone B: rest of the world (excluding Afghanistan, Cuba Congo, Iran, Iraq, Liberia, Sudan, Syria and Ukraine)

Here’s a summary of the plan’s key benefits and coverage.

How does this plan stack up compared to its closest competitors? Sompo travel insurance plans , to cite an example, are a bit less generous than Tokio Marine’s, but come at a higher cost if you are travelling anywhere further than Southeast Asia.

The two highest-tier plans of another competitor, AIA travel insurance , offer more generous medical and personal accident benefits but are stingier when it comes to travel benefits like baggage loss and delay. The higher tier plans also cost more than Tokio Marine’s if you’re travelling outside ASEAN.

Total Premium

Sompo Travel Insurance Essential

Key features.

Common travel insurance benefits such as personal accident, medical expenses overseas, travel delay, loss of personal belongings.

Protection against hefty overseas medical expenses, trip cancellation costs and other essential coverage if you are diagnosed with COVID-19

3. Tokio Marine Travel Insurance Covid-19

TM Xplora Plus automatically covers you in pandemic or epidemic situations, including Covid-19.  

They don’t have a separate section for Covid-19 coverage, which is generally a good thing, as that means you’ll be entitled to the plan’s regular claim limits even for Covid-19-related claims. This makes them one of the most generous plans out there when it comes to Covid-19 coverage

Most insurers are actually less generous with their Covid-19 cover. For instance, Great Eastern travel insurance’s Classic and Elite travel insurance plans only cover up to $50,000 and $150,000 worth of Covid-related overseas medical expenses, and their hospitalisatjon allowance is only $50/$100 per day for up to 14 days.

Another competitor, MSIG travel insurance, is offering $75,000, $150,000 and $250,000 worth of Covid-related overseas medical expenses through their Standard, Elite and Premier plans. Their travel-related Covid coverage is way less generous as well, with a max of $3,000 for trip cancellation.

MSIG TravelEasy Premier

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COVID-19 coverage of up to $250,000 medical cover and up to $5,000 travel inconvenience benefit for your trip protection.

Stay protected and enjoy a wide range of adventurous activities from sky diving, scuba diving, white-water rafting to winter sports like dog sledding, tobogganing, sledging and ice-skating.

Get covered across all TravelEasy Plan types with a high limit of S$1,000,000 for emergency medical evacuation & repatriation

MSIG provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies)

4. Tokio Marine Travel Insurance Extreme Sports

If your idea of a good time is jumping out of a plane into the abyss, you’ll be glad to know that TM Xplora Plus offers coverage for adventure activities and sports, subject to some exceptions, of course.

In general, Tokio Marine will cover you so long as you are participating in the sport on a non-competitive, leisure basis, and that you use a licensed local operator and/or licensed, qualified guides or instructors.

Here’s a breakdown of TM Xplora Plus’s coverage for some common adventure sports:

This is pretty standard for plans that automatically offer protection for adventure sports. You can do almost anything that’s not competitive. Just make sure you check the limits of the coverage so you do not do something that will get your coverage excluded.

5. Tokio Marine vs Great Eastern vs AIA Travel Insurance

How does Tokio Marine’s travel insurance plans measure up to those of its most ardent competitors, Great Eastern and AIA? Let’s have a look.

Unlike Tokio Marine’s plan, which has only two tiers, Great Eastern travel insurance comes in three tiers. If you’re looking for a cheaper plan with basic coverage, Great Eastern would be more appropriate for you. However, when it comes to the higher tier plans, Great Eastern’s offers poorer benefits at a higher price.

AIA travel insurance also comes in three tiers, with a budget plan that Tokio Marine lacks. When it comes to their higher tier plans, they offer more generous medical coverage than Tokio Marine but worse travel coverage.

All that said, both Great Eastern and AIA’s Covid-19 coverage pales in comparison to Tokio Marine’s. If you haven’t had Covid-19 yet, your chances of getting it on the road are not slim. In that case, you might want to opt for Tokio Marine’s insurance to be safe.

6. Tokio Marine Travel Insurance Promotion

There aren’t any promo codes for Tokio Marine travel insurance at the moment, but check here from time to time so you don’t miss out on any deals.

7. Tokio Marine Travel Insurance Claim Review

Tokio Marine has a good reputation when it comes to being efficient with claims, however, as their travel insurance is not well-known in Singapore, we were hard pressed to find reviews.

Tokio Marine Hotline: +65 6221 6111 (Mon to Fri, 8.45am to 5.45pm)

Tokio Marine Travel Insurance Online Claims: You can make a claim online here . On the same page, you’ll find a step-by-step guide to making travel insurance claims in case you need some assistance.

Tokio Marine Travel Insurance Claims: If you like, you can also download the PDF claim forms and fill up a hard copy. Bundle that with your supporting documents and mail it to

Tokio Marine Insurance Singapore Ltd. 20 McCallum Street #09-01, Tokio Marine Centre Singapore 069046

8. Should I Buy Tokio Marine Travel Insurance?

Tokio Marine’s TM Xplora Plus is actually a solid travel insurance plan with great coverage at a reasonable price for both medical expenses and travel mishaps, even if you’re taking part in adventure sports. Its biggest strength is its generous Covid-19 coverage, which is better than what’s being offered by most other plans.

Shopping for travel insurance ? Find out if you really need travel insurance here.

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