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Why is travel insurance necessary for children?
Overseas travel insurance covers "problems such as injury, illness, and theft that may occur during travel. Children, in particular, are difficult to predict their behavior, and in an unfamiliar environment, they are at a higher risk of falling ill or falling down.
One thing to keep in mind is the cost of medical care overseas. Due to differences in the medical system and prices of commodities, medical fees in many cases are higher than in Japan, and a medical examination alone may cost several tens of thousands of yen or more.
In such situations, if you have overseas travel insurance, you may be able to use "cashless medical care," which allows you to receive medical treatment without having to pay for it yourself, greatly reducing the burden on parents. The three main types of coverage are medical treatment expenses, rescue expenses, and damage to personal belongings, all of which are indispensable when traveling overseas.
Troubles that are likely to occur when traveling abroad with children and countermeasures
When traveling abroad with children, "problems different from those that occur when traveling with adults alone" are more likely to occur. The most common problems are injuries and poor health. In simple terms, these include falls while sightseeing, injuries from sports, and poor physical condition due to differences in diet and climate.
The next thing to watch out for is the loss or theft of your belongings. It is not uncommon for smartphones, cameras, game consoles, etc. to be left behind or stolen.
It is also important to know in advance which hospital to go to and how to contact the insurance company in case of an emergency. Choosing an insurance policy that offers Japanese-language services and 24-hour support can greatly reduce anxiety in the event of an emergency.
What are the rates for travel insurance for children? How to choose premiums and coverage
It is important to choose travel insurance not only on the basis of price, but also on the balance of coverage.
For short-term travel, coverage can be purchased for as little as a few thousand yen, but the amount of coverage required will vary depending on the destination and the number of days of travel. It is especially important to secure coverage for medical treatment expenses in countries with high medical costs. By age, elementary school students are more active and have a "high risk of injury," so medical treatment costs are important, while junior high school students have more trouble with their belongings, such as smartphones, so coverage for personal effects is also important. The longer the trip, the greater the risk, so it is best to provide more coverage for that amount of time.
How to apply for travel insurance and preparations to make before departure
You can easily apply from a smartphone or computer. In many cases, you can apply for insurance even just before departure, but be sure to check the policy after application. It is also recommended to save the insurance policy in your smartphone and print it out according to your situation. Below is a checklist of things to check before departure.
Confirmation of insurance policy
Emergency Contact Registration
Check with affiliated hospitals
Copy of passport
It is especially important to have the insurance number and support desk contact information readily available, which will greatly affect the speed of response in the event of a problem.
Please keep this in mind.
Checkpoints to avoid mistakes｜Important items parents should check
It is important to keep a few points in mind when choosing travel insurance for children.
First of all, "availability of Japanese-language services" is always a good point to check, isn't it? Your sense of security will vary considerably depending on whether or not you can consult with them smoothly in an emergency.
And secondly, the ease of filing a claim is also important. Recently, an increasing number of services offer easy online or app-based procedures. Also, by checking the actual coverage, you can get a concrete image of what kind of situations the insurance will be useful in.
If you understand the response process in advance, you will be able to act calmly in case of an emergency.
Necessity of Overseas Travel Insurance for Children Shown in Trouble Cases
You may understand the importance of insurance if you imagine a specific trouble before it happens. For example, in most cases, there is no cost burden due to cashless treatment at a local hospital in "a case where an elementary school child fell down in a hotel and injured his/her arm.
In the case of a junior high school student who loses his/her smartphone while sightseeing, coverage for damage to personal belongings will cover part of the cost of purchasing a new device.
Of course, the scope of these provisions will vary greatly depending on the situation, but by anticipating possible problems, you can reduce "pre-travel anxiety" and proceed with preparations with peace of mind. Problems that may occur between children and adults are different.
Please think again about the country you are traveling to and how you will be staying there.
summary
Today I would like to introduce travel insurance for children. Compared to travel for adults only, the problems that can occur are different, and problems are more likely to occur.
The key to overseas travel insurance for children is a balance between security, coverage, and cost.
Travel insurance for children is an important preparation for enjoying your trip. By checking the balance of coverage and costs well in advance and making the necessary preparations before departure, you will be able to calmly respond to any problems that may arise. If you are prepared, the whole family can enjoy the trip to the fullest without unnecessary anxiety. To ensure a safe, secure, and enjoyable trip abroad, be as prepared as possible from now on.
| Contact Us |
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| ▼ Tokio Marine & Nichido Customer Center Email address web-admin735@tmnf.jp Business hours 9:00-17:00 Monday-Friday (except national holidays and year-end and New Year holidays) |
| Agents |
| Daikou Insurance Service Co. Email address daikou@skyblue.ocn.ne.jp |
