AURAS Travel Insurance Review 2025｜Cheap, Reliable, or Risky? Real Insights from Direct Contact and Hands-On Experience

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AURAS Travel Insurance has seen a surge in users over the past year.
But at the same time, many travelers wonder:
“It’s cheap—but is it safe?” or “Why are some reviews so mixed?”

On review sites like Trustpilot and Reddit, you’ll find both positive and critical opinions —
some users praise its affordability, while others question its reliability.

I had the same doubts at first.
Why is AURAS growing so fast if some people claim it’s unreliable?

After testing it myself, I found that AURAS isn’t just “cheap”—it’s strategically cheap.
Once you understand how the system works, it can be a great fit for long-term travel or as a supplement to your credit card insurance.
But if you buy it blindly without reading the fine print, you might run into problems later.

In my own case, I used the Calm plan for two weeks in Bali, while my husband chose the Active plan for 43 days to cover his surfing activities.
Experiencing both firsthand revealed exactly why AURAS costs less — and what conditions make it reliable.

This article breaks down the real reasons behind AURAS’s low prices, the most common misconceptions, and the practical tips I confirmed directly with the AURAS headquarters.
If you’re considering this insurance for your next trip, here’s what you need to know to choose confidently.

AURAS Is Cheap—But for a Reason

AURAS often catches attention for its surprisingly low price,
but behind that affordability lies a clear design philosophy.
It’s not about cutting corners—it’s about cutting waste.
Think of it as “smart savings,” not “cheap compromises.”

1️⃣ Modular Plans: Pay Only for What You Need

Unlike traditional “all-in-one” travel insurance packages,
AURAS lets you choose a plan that matches your travel style:
Calm, Active, or Extreme.

You can also add optional modules such as Search & Rescue, Trip Cancellation, or No Deductible.
That means you’re not paying for coverage you’ll never use—resulting in a lean, efficient price structure.

2️⃣ Fully Digital System: No Agents, No Paperwork

Everything—from signup to claims—is done online.
AURAS operates without physical offices or local agencies, cutting unnecessary costs for staff and paperwork.
Those savings are directly passed on to users through lower premiums.

Their support team, based in Europe, offers 24/7 assistance:
live chat replies within about 10 minutes, and emails within 30 minutes on average.

3️⃣ Operated from Low-Tax Free Zones

AURAS is operated by Aura Global FZ-LLC,
registered in the Ras Al Khaimah Economic Zone (RAKEZ) in the UAE.
Its underwriting partner is IC “EIG” LLC, based in the Union of the Comoros.

Both are located in regions with optimized taxation and regulatory costs,
allowing AURAS to maintain globally consistent pricing while staying competitive.

4️⃣ Clear Boundaries Instead of “Unlimited Promises”

Instead of claiming to “cover everything,”
AURAS clearly defines what is covered—and pays reliably within those boundaries.
It’s the opposite of Japan’s “all-inclusive” model,
but the advantage is transparency: travelers know exactly where coverage begins and ends.

 

Common Misunderstandings That Cause Trouble

The main reason AURAS reviews are so divided is simple:
many people buy the policy without fully understanding how it works.

I often receive similar questions from readers,
so here are the three most common mistakes travelers make—and how to avoid them.

⚠️ 1️⃣ Choosing the Wrong Plan Type

AURAS offers three travel-style categories:

• Calm — leisure, sightseeing, yoga, relaxing travel
• Active — surfing, trekking, safari drives, moderate sports
• Extreme — zipline, skiing, rafting, or any high-risk adventure

For example:
a safari drive counts as Active, and ziplining is Extreme.
If you casually choose “Calm” thinking “that should be fine,”
your claim might be rejected because the activity isn’t covered.

⚠️ 2️⃣ Forgetting the 24-Hour Reporting Rule

AURAS requires you to report any incident within 24 hours.
If you feel unwell or get injured, your first step should be to notify AURAS,
not to keep receipts for later.

A short email or chat message like

“I’m currently sick / injured and receiving treatment at [location].”

is enough to register your claim.
If you skip this step, your coverage may become invalid even if you have receipts.

⚠️ 3️⃣ Misconnecting With Your Credit Card Insurance

Most Japanese credit cards include free travel insurance for up to 90 days after departure.
When extending with AURAS, set your coverage to start the day after your 90-day limit ends.

If you’re already abroad, make sure to tick “Already Traveling.”
In that case, coverage becomes active 48 hours after payment—not immediately.

How the Appy Family Chose Their AURAS Plans in Bali

My husband and I both joined AURAS while staying in Bali—
but we each chose completely different plans to match our travel styles.

🏄‍♂️ My Husband: Active Plan + Alcohol Option

He’s a surfer, so we went with the Active plan,
set the coverage amount at $100,000,
and added the Alcohol option, which is rare among travel insurers.
(It covers injuries even while drinking—something most policies exclude.)

🧘‍♀️ Me: Calm Plan, No Extras

Since I only do yoga and light activities,
I chose the Calm plan with the minimum coverage of $35,000.
I don’t drink alcohol, so I skipped that add-on entirely.

Even this simple difference drastically changed our total premium—
proof that customizing coverage truly saves money.

🚣‍♀️ The Rafting Exception

During our Bali stay, I also tried rafting on the Ayung River.
Technically, rafting is categorized as an Extreme activity under AURAS.
However, the local tour operator already included “in-tour insurance,”
so there was no need to add extra travel insurance for that day.

Learning to identify and manage these small risks
was what made me realize how affordable global insurance can actually be.

🖥️ Seamless Application and Support

Once you understand how to sign up, the process is effortless:
I applied online, received my policy PDF instantly by email,
and whenever I sent a question to support,
they replied quickly—usually within the hour.

💳 Supplementing Credit Card Insurance

In our case, AURAS acted as a top-up to our credit card insurance.
Medical costs worldwide have soared in recent years,
yet most Japanese credit card policies still cap coverage at outdated levels.

Even in Southeast Asia, hospital stays or emergency evacuations
can easily exceed ¥2–3 million (USD 15,000–20,000).
That’s why extending coverage with AURAS is not just smart—it’s essential.

👉 Read: Complete Guide to Credit Card Travel Insurance (JP)

Inside AURAS: What I Learned from Talking to the Team

When you read reviews of AURAS online, you’ll often see mixed comments—
some say “their replies are slow,” or “claims take too long.”
I was curious too, so I reached out directly to Aura Global FZ-LLC,
the company behind AURAS, and spoke with their Key Account Manager.

It took a few days to receive a reply,
but the response I got was impressively detailed—
they had gathered information from internal departments before answering,
and it gave me a clear picture of how things actually work inside the company.

🕓 24/7 Support from Europe

AURAS’s support team operates 24 hours a day from its European hub.
Live chat replies usually come within 10 minutes,
and email responses usually arrive within 30 minutes.

Phone support is in English,
but email and chat are available in multiple languages using built-in translation tools.
So even non-English speakers can contact them without worry.

🧾 Claims Are Reviewed In-House

Unlike a typical insurance broker, AURAS manages claims and reviews directly in-house.
The underwriting itself is handled by IC “EIG” LLC, based in Anjouan, Union of the Comoros,
while AURAS oversees and monitors the entire process end-to-end.

This structure allows them to handle cases faster
and maintain consistent quality control across countries.

⚙️ “Expert Support” and Continuous Improvement

Recently, AURAS introduced an Expert Support system,
which automatically transfers complex or delayed cases to a specialized internal team for priority handling.

According to the manager I spoke with, this change shortened claim-processing times by about 15% overall.

They’ve also been adding FAQs and video guides to make the customer experience smoother for everyone.

Who AURAS Is (and Isn’t) For

AURAS isn’t a one-size-fits-all travel insurance.
It’s powerful for travelers who understand how it works,
but it might feel challenging for those who prefer “set-it-and-forget-it” coverage.
Here’s how I’d summarize it based on my own experience:

💡 Best for People Who:

• Understand how systems work and can manage things on their own
• Want to extend or supplement their credit card travel insurance
• Take long-term trips, cruises, or live as digital nomads
• Feel comfortable using English or translation tools when needed

💬 Not Ideal for People Who:

• Want to receive full customer support in Japanese
• Prefer one big, bundled policy that handles everything automatically
• Like to call a company directly rather than write an email or chat
• Don’t have time (or patience) to read through how coverage works

For Smart Travelers Who Want to Choose Wisely

AURAS isn’t just “cheap travel insurance.”
It’s a policy that rewards those who know how to choose and use it well—
balancing cost-efficiency with real peace of mind.

The reason reviews seem divided is simple:
they come from two different groups—
those who joined because it was cheap,
and those who joined because they understood how it works.

From my conversations with the AURAS headquarters,
I can honestly say this is a small but serious company.
Behind the scenes, they’re constantly improving their systems for support and claims management.

Appy’s Message to Fellow Travelers

When choosing travel insurance,
picking a famous brand might feel safe—
but the real question is whether it truly fits your style of travel.

Global medical costs continue to rise every year,
yet most credit card insurances haven’t updated their coverage limits for decades.
That’s why it’s practical to think of AURAS as
“the missing piece that fills your protection gap.”

FAQ: Real Questions About AURAS (Reviews, Concerns & Claim Issues)

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