Travel Insurance Recommendations 🙏

Hi everyone!

I’m an expat in Japan planning to travel out of the country for about a month — first stop the U.S., then the Caribbean. I already have credit card travel insurance, but given how unpredictable things can be (especially with claims), I’m considering getting additional coverage for extra peace of mind.

I’m mainly looking for:

\* Strong medical coverage and repatriation

\* Coverage for outdoor activities

\* Reliable, straightforward claims process

\* Affordable plans with good English support

I’d really appreciate hearing your experiences:

\* Which provider did you use?

\* Was the claims process smooth or difficult?

\* Did they actually pay out without issues?

\* Overall, did you feel secure using them?