Insurance – Japan

We use Envisage Global Insurance to cover our students during their study trip. All details below refer to the Envisage and Tokio Marine HCC policy. The insurance covers from one day before the course starts until one day after the course ends. Students have the option to extend coverage for an additional fee. Please note that this coverage is not available to students over 50 years old. Insurance details will be sent to students before arriving in Japan. If you are unsure of any of the details, then please get in touch.

For claims and any questions regarding the insurance, students are required to directly contact the insurance company.


Benefit Coverage

Overall Maximum Limit and Maximum per Injury/ Illness



$0 per certificate period


We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.

Hospital Room & Board

Average semi-private room rate, including nursing services

Intensive Care Unit

Up to the overall maximum limit

Local Ambulance

Usual, reasonable and customary charges for covered illness or injury. Illness must result in hospitalization as inpatient.

Outpatient Physical Therapy and Chiropractic Care

Up to $50 maximum per day. Must be ordered in advance by a physician.

Emergency Dental (Acute Onset of Pain) *Not subject to Deductible


Emergency Eye Exam for a covered loss *Not subject to Deductible

Up to $150. $50 deductible per occurrence.

Acute Onset of Pre-existing Condition
• See Benefit Description

Up to the overall maximum limit. Up to $25,000 lifetime maximum for Emergency Medical Evacuation


Up to $50,000 lifetime maximum for eligible medical expenses only

All other Eligible Medical Expenses

Up to the overall maximum limit

Emergency Medical Evacuation
• Not subject to Deductible or Overall Maximum Limit

Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition.

Repatriation of Remains
• Not subject to Deductible or Coinsurance • This limit is for this benefit only and is not included in or subject to the overall maximum limit

Equal to the elected overall maximum limit

Local Burial or Cremation
• Not subject to Deductible

Up to $5,000 lifetime maximum

Crisis Response – Ransom, Personal Belongings, and Crisis Response Fees and Expenses
• Not subject to Deductible or Overall Maximum Limit

Up to $10,000

Emergency Reunion
• Not subject to Deductible

Up to $100,000, subject to a maximum 15 day

Bedside Visit
• Not subject to Deductible

Up to $1,500

Return of Minor Children
• Not subject to Deductible

Up to $50,000

Pet Return
• Not subject to Deductible

Up to $1,000

Political Evacuation
• Not subject to Deductible

Up to $100,000 lifetime maximum

Trip Interuption *

Up to $10,000

Common Carrier Accidental Death
• Not subject to Deductible or Overall Maximum Limit
• Subject to a maximum of $250,000 any one family or group

Ages 18 through 69 – $50,000
Under age 18 – $10,000
Ages 70 through 74 – $25,000
Ages 75 and older – $12,500

Lost Checked Luggage *

Up to $1,000

Travel Delay
• Not subject to Deductible

Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days.

Lost or Stolen Passport/Travel
• Not subject to Deductible

Up to $100

Accidental Death & Dismemberment (Excludes loss due to Common Carrier Accident)
• Not subject to Deductible or Overall Maximum Limit
• Subject to a maximum of $250,000 any one family or group

Ages 18 through 69: Lifetime Maximum – $25,000 Death – $25,000
Loss of 2 Limbs – $25,000 Loss of 1 Limb – $12,500
Under age 18:
Lifetime Maximum – $5,000 Death – $5,000
Loss of 2 Limbs – $5,000 Loss of 1 Limb – $2,500
Ages 70 through 74: Lifetime Maximum – $12,500 Death – $12,500
Loss of 2 Limbs – $12,500 Loss of 1 Limb – $6,250
Ages 75 and older:
Lifetime Maximum – $6,250 Death – $6,250
Loss of 2 Limbs – $6,250 Loss of 1 Limb – $3,125

Natural Disaster – Replacement
• Not subject to Deductible

Up to $250 a day for 5 days

Hospital Indemnity
• Not subject to Deductible

$100 per day of inpatient hospitalization

Personal Liability **Personal Liability
• Not subject to Deductible or Overall Maximum Limit

Up to:
$25,000 lifetime maximum
$25,000 third person injury
$25,000 third person property
$2,500 related third person property

Plan Exclusions

  1. Illness that begins by occurrence of symptoms and/or receipt of treatment within the first two (2) days of coverage beginning with and including the certificate effective date, if coverage was purchased on the same day as the coverage effective date.
  2. Pre-existing Conditions, except charges resulting directly from an acute onset of pre-existing condition, as herein defined, subject to the limits set forth in the Schedule of Benefits and Limits.
  3. Birth defects and congenital illnesses. Birth defects are deemed to include hereditary conditions.
  4. Mental health disorders.
  5. Pregnancy except as covered under Complications of Pregnancy, as herein defined, all charges related 
to pregnancy after the 26th week of pregnancy, routine prenatal care, child birth, postnatal care, and 
charges incurred by a child under the age of 14 days.
  6. Impotency or sexual dysfunction.
  7. All sexually transmitted diseases and conditions.
  8. HIV, AIDS, or ARC, and all diseases caused by and/or related to HIV.
  9. All forms of cancer / neoplasm.
  10. Substance abuse or addiction or conditions that may be attributed to substance abuse or addictions 
and direct consequences thereof.
  11. Acne, moles, skin tags, diseases of sebaceous glands, seborrhea, sebaceous cyst, hypertrophic and 
atrophic conditions of skin, nevus.
  12. Sleep apnea or other sleep disorders.
  13. Obesity or weight modification, including but not limited to wiring of the teeth and all forms of intestinal 
bypass surgery.
  14. Intentional self-inflicted injury or illness and/or suicide or attempted suicide whether sane or insane.
  15. Injury sustained that is due wholly or partially to the effects of intoxication or drugs other than drugs taken in accordance with treatment prescribed by a physician and except drugs prescribed for the treatment of substance abuse.
  16. Injury sustained while operating any motorized vehicle, aircraft or watercraft whether registered or not while under the influence of alcohol as defined under the law of the jurisdiction where the injury occurs or with a .08 Blood Alcohol Content (BAC), whichever is lower.
  17. Routine medical examinations, including but not limited to vaccinations, immunizations, annual check-ups, the issue of medical certificates and attestations, and examinations as to the suitability of employment or travel.
  18. Dental treatment and treatment of the temporomandibular joint, except for emergency dental treatment necessary to replace sound natural teeth lost or damaged in an accident covered hereunder or for the emergency relief of acute onset of pain.
  19. Promotion or prevention of conception including but not limited to: artificial insemination, treatment for infertility, sterilization or reversal of sterilization.
  20. Organ or tissue transplants or related services.
  21. Eye surgery, such as corrective refractory surgery, when the primary purpose is to correct 
nearsightedness, farsightedness or astigmatism.
  22. Corrective devices and medical appliances, including eyeglasses, contact lenses, hearing aids, hearing implants, eye refraction, visual therapy, and any examination or fitting related to these devices, dentures or dental appliances, and all vision and hearing tests and examinations, except as provided for under Emergency Eye Exam.
  23. Orthopedic shoes, orthopedic prescription devices to be attached to or placed in shoes, treatment of 
weak, strained, flat, unstable or unbalanced feet, metatarsalgia or bunions, and treatment of corns, calluses or toenails.
  24. Hair loss including wigs, hair transplants or any drug that promises hair growth, whether or not prescribed.
  25. Speech, vocational, occupational, biofeedback, acupuncture, recreational, sleep or music therapy, holistic care of any nature, massage and kinesiotherapy.
  26. Psychometric, intelligence, competency, behavioral and educational testing.
  27. Cosmetic or aesthetic reasons, except for reconstructive surgery when such surgery is directly related 
to and follows a surgery which was covered hereunder.
  28. Modifications of the physical body intended to improve the psychological, mental or emotional well-being, including but not limited to sex-change surgery.
  29. Exercise programs, whether or not prescribed or recommended by a physician.
  30. Incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s).
  31. Cryo preservation and implantation or re-implantation of living cells.
  1. Genetic or predictive testing.
  2. Investigational, experimental or for research purposes.
  3. While confined primarily to receive custodial care, educational or rehabilitative care, or any medical 
treatment in any establishment for the care of the aged, except rehabilitative care received upon direct 
transfer from an acute care hospital.
  4. Not medically necessary.
  5. Not administered by or under the supervision of a physician, and products that can be purchased without a doctor’s prescription.
  6. Provided by a relative, family member or any person who ordinarily resides with you.
  7. Provided at no cost to you.
  8. Failure to keep a scheduled appointment.
  9. Payable under any government system, including the Australian Medicare system.
  10. Payable under Worker’s Compensation or Employer’s Liability Laws, or by any coverage provided or required by law.
  11. Charges exceeding usual, reasonable and customary.
  12. Charges resulting from or occurring during the commission of a violation of law, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations.
  13. Any illness or injury incurred as a result of epidemics, pandemics, public health emergencies, natural disasters, or other disease outbreak conditions that may affect a person’s health when, prior to your effective date, any of the following were issued:
    a. The United States Centers for Disease Control & Prevention had issued a Warning/Alert Level 3 or higher for a location or destination, including common carriers; or Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable, and Customary charges. This is a summary of a selection of the plan benefits offered only as an illustration and does not supersede in anyway the Certificate of Insurance and governing policy documents(together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.
    b. The United States Centers for Disease Control & Prevention had issued a Global or Worldwide Warning/ Alert Level 3 or higher. This exclusion is applicable when 1) any of the above were in effect within 60 days immediately prior to your effective date or 2) within 10 days following the date the alert/warning is issued you have failed to depart the country or location. This exclusion does not apply to charges resulting from COVID-19/SARS-CoV-2.
  14. War, military action or while on duty as a member of a police or military force unit.
  15. Travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical Evacuation, Repatriation of Remains, Emergency Reunion, Natural Disaster, Return of Minor Children, Political Evacuation, Trip Interruption, Trip Delay, and Border Entry Protection sections of this insurance.
  16. Incurred outside your certificate period.
  17. Submitted to us for payment more than 60 days after the last day of the certificate period.
  18. When departure from the home country is to obtain treatment in the destination country/countries.
  19. Complications or consequences of a treatment or condition not covered hereunder.
  20. Not included as Eligible Expenses as described herein.

Please note: this page is a consolidated summary of the plan benefits, the official policy certificate is available in the student zone once becoming a participant of the program, and will be the overriding document for claims adjudication. Any discrepancies between this page and the policy certificate, the policy certificate will override this page.

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