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?