AURAS Travel Insurance Review 2025｜Affordable, Reliable, and What You Should Know Before You Buy

This is the English edition.　→ 日本語版はこちら

AURAS Travel Insurance has quickly gained attention over the past year.
While many travelers appreciate its affordability and flexibility, others have voiced concerns such as:
“Is it really safe?” or “Why are the reviews so mixed?”

On platforms like Trustpilot and Reddit, you’ll find both positive and critical feedback.
Some users praise the quick setup and low cost, while others mention delays or misunderstandings about coverage rules.

I felt the same uncertainty at first.
Why is AURAS growing so rapidly if some travelers report difficulties?

After using AURAS myself, I found that it isn’t simply “cheap”—it’s designed to be cost-efficient.
Once you understand how the system works, it can be a strong option for long-term travel or as a supplement to your credit card insurance.
However, if you sign up without checking the details, you may run into avoidable issues later.

In my own experience, I used the Calm plan for two weeks in Bali, while my husband selected the Active plan for 43 days to cover his surfing activities.
Comparing both plans firsthand made it clear why AURAS is priced the way it is—and under what conditions it works reliably.

In this article, I explain:

• the real mechanisms behind AURAS’s affordable pricing,
• the misunderstandings that often lead to negative reviews, and
• the key points I confirmed directly with AURAS’s headquarters.

If you’re considering AURAS for your next trip, this guide will help you understand how to use it confidently and avoid common pitfalls.

AURAS Is Affordable — And There Are Clear Reasons Why

AURAS is often recognized for its low premiums,
but that pricing isn’t the result of cutting corners.
It comes from a clear design philosophy built around efficiency and transparency.
Think of it as “intentional affordability” rather than “cheap compromises.”

Common Misunderstandings That Cause Trouble

AURAS reviews are often divided for a simple reason:
many travelers purchase the policy without fully understanding how the system works.

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

⚠️ 1️⃣ Choosing the Wrong Travel-Type Plan

⚠️ 2️⃣ Forgetting the 24-Hour Reporting Rule

⚠️ 3️⃣ Misaligning With Your Credit Card Travel Insurance

How We Chose Our AURAS Plans in Bali

During our stay in Bali, my husband and I both used AURAS—but we selected completely different plans based on the activities we planned to do.

🏄‍♂️ My Husband: Active Plan + Alcohol Coverage

Because he surfs almost every day, the Active plan was the appropriate category under AURAS.
We set the coverage amount to USD 100,000 and added the Alcohol Coverage option, which is unusual among travel insurers.

This add-on ensures that medical expenses are covered even if an injury occurs after drinking—something many traditional policies exclude.

🧘‍♀️ Me: Calm Plan, Minimal Coverage

My activities were mostly yoga, sightseeing, and relaxing, so the Calm plan was sufficient.
I selected the minimum coverage (USD 35,000) and skipped the alcohol add-on.

Even though we stayed in the same country,
our premiums differed significantly simply because our activities were different.
AURAS really rewards choosing your plan based on what you actually do.

🚣‍♀️ The Rafting Exception

I also joined a rafting tour on the Ayung River during the trip.
Under AURAS classifications, rafting falls under the Extreme plan.

However, the local tour operator already included its own insurance for participants,
so there was no need to add an extra AURAS policy just for that day.

Learning how to evaluate each activity—
whether it’s covered by AURAS or already insured through a tour—
helped us keep our overall insurance cost surprisingly low.

🖥️ Smooth Sign-Up and Clear Support

Once you understand the steps, AURAS is very easy to use:

• The online application takes only a few minutes
• The policy PDF arrives instantly by email
• Support replies quickly—often within an hour

The experience felt straightforward for an online-only insurer.

💳 Supplementing Credit Card Insurance

For us, AURAS acted as a top-up to our credit card travel insurance.
Medical costs worldwide have risen sharply, yet many credit card policies still have outdated limits.

Even in Southeast Asia,
hospital stays or emergency evacuation can easily exceed ¥2–3 million (USD 15,000–20,000).
This is why supplementing your co

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

Inside AURAS: What I Learned from Speaking With the Team

When you read online reviews of AURAS, you’ll often see a mix of opinions—
some travelers say “the replies were slow,” while others mention delays in claims.
I was curious as well, so I contacted Aura Global FZ-LLC,
the company behind AURAS, and asked their Key Account Manager for clarification.

It took a few days to receive a full response,
but the information I got was detailed and carefully compiled.
They gathered input from multiple internal teams,
which gave me a much clearer understanding of how AURAS operates behind the scenes.

Who AURAS Is (and Isn’t) For

AURAS isn’t a one-size-fits-all travel insurance.
It works exceptionally well for travelers who understand how its system operates,
but it may feel less intuitive for those who prefer fully guided, “all-in-one” coverage.

Based on my experience, here’s how I would summarize it:

💡 AURAS Is Best For Travelers Who:

• Can review information and make decisions independently
• Want to extend or supplement their credit card travel insurance
• Take long journeys, cruises, or live as digital nomads
• Feel comfortable communicating in English or using translation tools when needed

💬 AURAS May Not Be Ideal For Travelers Who:

• Prefer full customer support in Japanese
• Want a single bundled policy that handles everything automatically
• Prefer phone-based support over email or chat
• Don’t have time to review how coverage types (Calm / Active / Extreme) work

For Smart Travelers Who Want to Choose Wisely

AURAS isn’t simply “cheap travel insurance.”
It’s a policy that works best for travelers who understand how to choose and use it thoughtfully—
balancing affordability with practical, real-world protection.

The reason opinions seem divided is straightforward:
there are usually two kinds of users:

those who joined because the price was attractive

and those who understood the rules and used the system correctly

From my conversations with the AURAS headquarters,
I felt that although the company is small,
it is genuinely committed to improving its support system and claims processes.
Behind the scenes, ongoing updates and refinements are clearly in motion.

Appy’s Message to Fellow Travelers

When choosing travel insurance,
selecting a well-known brand may feel reassuring.
But the real question is whether the coverage actually fits the way you travel.

Global medical costs continue to rise every year,
while most credit card insurance limits have stayed almost unchanged for decades.
That’s why I see AURAS as
“the missing piece that fills the protection gap”
for long trips, cruises, and flexible itineraries.

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