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





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 – not subject to coinsurance

Up to $150 maximum per visit, $1,500 certificate maximum. Must be ordered in advance by a physician.

Sports Coverage

Usual, Reasonable, and Customary charges (Non-contact and non-organized/non-sanctioned amateur sports or athletic activities not otherwise excluded herein, engaged in by you solely for leisure, recreational, entertainment or fitness purposes)

Mental Health Disorders

Outpatient- Up to $50 per visit/$500 certificate. Inpatient- Up to $20,000

Dental Treatment due to Accident


Emergency Dental (Acute Onset of Pain)


All other Eligible Medical Expenses

Up to the overall maximum limit

Emergency Medical Evacuation **

Up to $50,000 lifetime maximum

Repatriation of Remains *

Up to $25,000 lifetime maximum

Emergency Reunion *

Up to $1,500 lifetime maximum (maximum 15 days) following a covered life-threatening bodily injury or life- threatening illness that results in admission to a hospital intensive care unit

Trip Interuption *

Up to $1,500

Accidental Death & Dismemberment (excludes loss due to Common Carrier Accident) **

Age 17 years and under: Principle Sum $5,000
 Age 18 years and above: Principle Sum $10,000

Lost Checked Luggage *

Up to $250

Personal Liability **

Up to $100,000 lifetime maximum, Up to $100,000 third person injury
Up to $100,000 third person property, Up to $2,500 related third person property

Travel Assistance Services


* not subject to deductible or coinsurance
** not subject to deductible, coinsurance, or overall maximum limit

Plan Exclusions

Excluded Conditions, Treatments (includes Diagnoses, Tests, and Examinations), Services, Supplies, Acts, Omissions, and/or Events:

  1. Pre-existing Conditions.
  2. Birth defects and congenital illnesses. Birth defects are deemed to include hereditary conditions.
  3. 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.
  4. Termination of pregnancy.
  5. Impotency or sexual dysfunction.
  6. All sexually transmitted diseases and conditions.
  7. HIV, AIDS, or ARC, and all diseases caused by and/or related to HIV.
  8. All forms of cancer / neoplasm.
  9. Substance abuse or addiction or conditions that may be attributed to substance abuse or addictions 
and direct consequences thereof.
  10. Acne, moles, skin tags, diseases of sebaceous glands, seborrhea, sebaceous cyst, hypertrophic and 
atrophic conditions of skin, nevus.
  11. Sleep apnea or other sleep disorders.
  12. Obesity or weight modification, including but not limited to wiring of the teeth and all forms of intestinal 
bypass surgery.
  13. Self-inflicted injury or illness and/or suicide or attempted suicide whether sane or insane.
  14. 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.
  15. 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.
  16. Routine physical examinations and wellness visits, 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.
  17. 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.
  18. Promotion or prevention of conception including but not limited to: artificial insemination, treatment for infertility, sterilization or reversal of sterilization.
  19. Organ or tissue transplants or related services.
  20. Eye surgery, such as corrective refractory surgery, when the primary purpose is to correct 
nearsightedness, farsightedness or astigmatism.
  21. 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.
  22. Orthoptics and visual eye training.
  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. Telephone consultations or failure to keep a scheduled appointment.
  9. Payable under any government system, including the Australian Medicare system.
  10. Charges exceeding usual, reasonable and customary.
  11. 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.
  12. Charges resulting from a disease outbreak in a country or location for which the U.S. Centers for Disease Control and Prevention (CDC) has issued a Level 3 Travel Warning if a) the warning has been in effect within the 6 months immediately prior to your date of arrival, or b) within 10 days following the date the warning is issued you have failed to depart the country or location.
  13. War, military action or while on duty as a member of a police or military force unit.
  14. Travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical 
Evacuation, and Repatriation of Remains sections of this insurance.
  15. Incurred outside your certificate period.
  16. Submitted to us for payment more than 60 days after the last day of the certificate period.
  17. When departure from the home country is to obtain treatment in the destination country/countries.
  18. Complications or consequences of a treatment or condition not covered hereunder.
  19. 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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