Investing in travel insurance is especially important for those traveling to countries in East Asia, including China and Japan. All providers handle travel to high-risk countries differently, so it’s important to become familiar with a provider’s terms before committing to any policy. Like traditional travel insurance policies, plans that cover trips to China and Japan include a number of common exclusions for pre-existing medical conditions, dangerous or illegal behavior and war and terrorism. If you plan on scuba diving, mountain climbing, bungee jumping or engaging in high-risk adventure sports, it”s imperative to purchase a sports rider that can waive traditional exemptions for these dangerous activities.
If you’re traveling to China or Japan, shop for a travel insurance policy with pre-trip benefits that begin before your leave the country. Pre-trip benefits include inoculation and vaccination information and current travel advisory bulletins issued by the Centers for Disease Control and the World Travel Organization. Your provider’s travel advisory board can provide you with a comprehensive list of vaccination requirements and recommendations based on your itinerary. Travelers leaving for destinations in China and Japan are urged to get immunizations against hepatitis A, hepatitis B, polio, tetanus, Japanese encephalitis and yellow fever. To ensure you are protected against these life-threatening diseases, it’s imperative to schedule your vaccinations four to six weeks before your trip. Many immunizations are good for 5 to 15 years, but they require multiple injections spaced 30 days apart, so it’s a good idea to get your vaccinations early to make sure you are fully immunized.
In tropical areas and parts of China and Japan, the threat of malaria and mosquito-borne diseases like Dengue Fever is very real. Today, travelers can easily obtain an emergency supply of anti-malaria tablets, typhoid medications and common prescription medications. All travelers entering China and countries in East Asia are subjected to medical screenings to rule out chickenpox, H1NI swine flu and a variety of common and highly contagious medical conditions. Trip interruption coverage with benefits that cover medical quarantines is an ideal solution for travelers in China and Japan. Unfortunately, many plans have exclusions for medical treatment and expenses related to H1N1 swine flu and pandemics.
To maximize the benefits of your travel insurance policy for China and Japan, shop for plans with emergency evacuation coverage and benefits that continue in the event a travel advisory is issued while you are in the country. Travelers leaving for destinations in remote areas or developing countries should shop for plans with benefits that ensure policyholders have access to emergency assistance and medical care from anywhere in the world night or day.