Travel Insurance for Your Asian Adventure

As the largest continent in the world, Asia is home to 48 countries, each with its vibrant cities, colorful cuisines, and “can’t-miss” attractions. The sprawling landmass of Asia is typically grouped into five regional divisions — Central Asia, East Asia, South Asia, Southeast Asia, and Southwest Asia. Embarking on an Asian adventure often means traversing several diverse countries and dynamic cultures.

So, how do you prepare for an Asian adventure, especially if you plan to visit multiple regions for leisure or remain abroad for work? The answer is with travel insurance for Asia. Travel insurance for Asian countries protects tourists and business travelers from unexpected out-of-pocket costs while abroad, whether seeking medical coverage in Asia or scheduling a new return flight to avoid impending severe weather.

Here’s how to navigate travel insurance for Asia, including selecting the right policy for your plans!

What is Travel Insurance for Asia?

Travel insurance is a contract between a traveler and a travel insurance agency that provides compensation for specified financial losses in exchange for a one-time payment. In the context of travel, financial losses refer to prepaid, non-refundable trip expenses like airline tickets as well as unforeseen costs like emergency medical treatment abroad. So, what does travel insurance typically cover for trips to Asia?

Comprehensive travel insurance for Asian countries should include coverage for trip cancellations, delays, and interruptions and protections for baggage losses and medical expenses. Speaking of medical expenses, the varying healthcare standards and potential language barriers in Asian countries make travel insurance with medical coverage necessary to receive proper care and avoid hefty medical bills.

Lastly, you’ll want to invest in medical emergency flight coverage if you are severely injured and require immediate transportation to a reliable medical facility, especially in remote areas of Asia. This type of coverage is referred to as emergency evacuation and repatriation benefits. In grave instances, this type of medical coverage in Asia can help return you to the United States to receive the necessary care.

Types of Travel Insurance for Asia

At this point, you may wonder, “How do I choose the best travel insurance policy for my Asia trip?” The best way to select a travel insurance policy for Asia is to consider two factors: how often you plan to visit the continent and whether you will be settling in one region or backpacking through the area. Here’s a simple breakdown of the type of travel insurance for Asia that you may need:

• Single-Trip Insurance: Designed for those planning a one-off visit to Asia, single-trip insurance reimburses 100% of the insured trip cost if your Asian adventure is canceled, 150% of the insured trip cost if it’s interrupted, and offers $50,000 per person medical and dental coverage with $250,000 per person emergency evacuation and repatriation benefits.
• Multi-Trip Insurance: Best for frequent travelers to and from Asian countries, multi-trip insurance plans like the Go Ready Annual Primary Multi-Trip Travel Insurance policy by Aegis cover an unlimited number of trips per calendar year, up to 90 days per trip, with benefit limits that retain their total value until a claim has been filed against the coverages.
• Insurance for Backpacking: Ideal for those planning to backpack across the continent and its 48 countries, backpacking travel insurance includes key coverages for medical treatment, hospitalization, and evacuation in the event of an accident or illness while abroad in Asia, as well as policy benefits for personal items that are damaged or stolen during the trip.

Top Destinations in Asia (And Potential Travel Risks)

‘Travel risks’ are two words that no adventure seeker wants to hear before embarking on an Asian vacation. Unfortunately, no country — or continent, in this case — is without inherent social, environmental, and medical risk. So, are there any specific considerations for travel insurance in countries with high medical risks? Yes. Consider these considerations for travel insurance for popular Asian destinations:

Thailand

Thailand is nicknamed “The Land of Smiles” due to the country’s friendly locals and awe-inspiring landscapes that will surely bring a smile to your face. When people think of travel insurance for Southeast Asia, Thailand is often the top recommendation. However, Thailand experiences 144,000 injury-inducing road accidents each month, meaning your travel insurance for Asia must include medical coverage.

Singapore

Singapore is an island in Southeast Asia surrounded by the South China Sea. Visitors can bask on the Sentosa beaches, shop around Marina Bay, or explore patches of natural rainforest. Speaking of rainforests, severe rain is common during the monsoon season (December to March and June to September). If you plan to visit during these periods, be sure to purchase a travel insurance policy with weather cancellation coverage.

Japan

Japan is the country many think of when contemplating travel insurance for East Asia, as it’s significantly smaller and less populated than China. However, Japan’s unique position on the junction of four tectonic plates means that earthquakes occur in the country an average of 1,500 times every year. You’ll definitely need to confirm that your insurance policy covers earthquakes before embarking there.

Choosing a Go Ready Travel Insurance Policy for Asia

Selecting travel insurance for Asia can feel nerve-wracking, but it doesn’t have to be. With the right travel insurance company, you can enjoy the peace of mind that your coverage will protect you from the unknown, whether unexpected medical coverage in Asia or unforeseen travel delays that impact your adventure. Fortunately, the team at Go Ready has several high-coverage plans for you to pick from!

Review available Go Ready by Aegis plans to find your ideal travel insurance policy for Asia today.