visit japan web travel insurance

訪日外国人向け保険・インバウンド保険

TOKIO OMOTENASHI POLICY | Tokio Marine & Nichido

Overseas travel insurance for foreigners visiting japan (even if you are a japanese national returning to japan temporarily) for up to 31 days., = insurance for visiting japan =.

Chinese(Simplified) | Chinese(Traditional语言) | 한국 | 日本語

What is TOKIO OMOTENASHI POLICY?

TOKIO OMOTENASHI POLICY  is an overseas insurance policy in case of sudden illness or injury for foreigners visiting Japan and or Japanese national’s returning to Japan temporarily for up to 31 days that can be purchased online.  (Insurance can be purchased online).

If you need to see a doctor or hospital care is necessary the insurance company should be contacted and your medical expenses will be paid directly from the insurance company to your caregiver. (Cashless)

TOKIO OMOTENASHI POLICY is easy and reasonably priced because it is specialized for illness and injury, the premium is less expensive than general overseas travel insurance. (Easy and Reasonable). 　　　　　　　　　　　　　　　　　　　　 In addition by using the dedicated application, you will be able to use support functions for certain troubles and natural disasters that might occur during your stay in Japan.

( You can easily contact the insurance company via the app)

Click for Apprication ↓↓↓↓↓↓↓↓↓

For example, if something like this happens…

Sudden illness… Prepare for sudden illness during your stay in Japan.

Unlike your everyday life, the environment and food changes when you travel may or may not have an effect on your health.

Even if you are a foreign national that is  accustomed to eating Japanese food and enjoy eating other local dishes or unusual foods that you have never seen before. It could be a difference in temperature or many other things that may affect your health.

We are no longer in a era where we can say,  “That will never happen to me so I’m fine”

We are also prepared for the new type of Coronavirus (Covid-19)

Unexpected injury… You were supposed to be enjoying yourself…

Covers injuries that occur during sports such as skiing

Traveling is a fun time, but injuries that occur during such times are common occurrences.

But, you also need to be careful about injuries that may occur during sports such as skiing.

Injuries that occur during these times are normal, but you should also be careful about injuries that occur during sports such as skiing.

Injuries may also occur during normal, everyday life. We provide coverage for injuries caused by sudden, accidental, and outpatient accidents.

Expensive medical bills… No way Why me …

In some cases, hospitals won’t accept medical examinations…

Foreign travelers and others who do not have health insurance.  (100% self-payment).

There are cases where you will be charged an outrageous amount of money… It is very common.

Credit cards are not accepted at hospitals… you have to pay in cash.

Even medium-sized hospitals such as municipal hospitals and city hospitals do not accept credit card payments.

Also smaller clinics are known not to accept credit card payments.

The insurance company will pay directly to the hospital or pharmacy

By contacting us before you go to the hospital, we contact the hospital first. We will contact the hospital before you go to the hospital so that you can concentrate on your treatment.

Please be aware that foreign visitors who fail to pay their medical expenses may be denied entry into Japan in the future. Japan National Tourism Organization (JNTO)

Non-payment of medical treatment by foreign travelers in Japan has become a problem, and the government has taken such measures.

Of course, Japanese nationals are no exception.

Incidental Services

The following services are also included in the package…

Lost or stolen passport or credit card…

Traveling is always fraught with problems, but there are some things you should never lose. (Available in a variety of languages)

Internet connection lost…

We provide information on useful apps for using public Wi-Fi provided at tourist spots. We provide information on useful applications (with free Wi-Fi functionality for an unlimited period of time)

Insurance Amounts

Coverage item: medical treatment and transportation expense coverage (for foreign visitors to japan).

Covers medical treatment expenses for sudden illness or injury.

If you contact the insurance company before going to the hospital, the insurance company will pay the treatment expenses directly to the hospital. (To contact the insurance company, you need to install the application.)

　10,000,000 yen (including covid-19 infection)

　　　　　　　　　　　　　　　　　　　　　　 Rest assured that 100% of your expenses for medical treatment, medicine, hospitalization, surgery, and medical transportation to your home country will be covered up to 10 million yen.

Insurance Premiums

Insurance premiums vary depending on the period of insurance.

Please check

There are some important points to note.

About the insurance period

The insurance period is from the day after the date of application or the day of entry into Japan , whichever is later, to the day of completion of departure procedures from Japan.

Example: ① If you apply after entering Japan and apply today, set tomorrow as the insurance start date.

Example: ②Even if someone in Japan applies, depending on the country of departure, someone arriving tomorrow or later may not be able to apply.

(Please apply after entering Japan)

If you are staying in Japan for more than 32 days. (You need someone living in Japan. You can not buy Insurance by yourself) >> Click Here <<

What if it happens outside of Japan?

This insurance policy covers medical and pharmaceutical costs arising from injuries or illnesses occurring in Japan, as well as the cost of repatriation of the patient to his/her home country.

(Accidents outside of Japan are not covered.)

The required documents

Since enrollment is completed online, there are no documents required.

However, please be aware that you may not be able to use the insurance if you make a false declaration.

Common example: 　An application was submitted more than 5 days after entry to Japan, but an error occurred, so an incorrect date of entry was entered and insurance was purchased. 【The insurance cannot be used】

Can I apply from abroad?

The application site can only be accessed from within Japan, Hong Kong, China, or Korea.

How can I confirm the operation of the screen before I leave Japan? >> Click Here <<

↓↓↓ Click the banner to apply ↓↓↓↓

<Recommended Environment>

PC Microsoft Windows 7, 8, 8.1: Internet explorer 11.0 or higher, latest version of chrome Microsoft Windows 10 : Internet explorer 11.0 or higher,  Microsoft Edge ,  the latest version of chrome

Smartphones and tablets Android 4.4 or later:  Latest version of chrome iOS 8.4 or later:  Latest version of safari

Please note that there are some cases where  Firefox cannot be used.

For those who cannot proceed to the TOKIO OMOTENASHI POLICY application page >> Check this page <<

If you have any questions, please contact us by e-mail. mail:  [email protected]

Underwriting Insurer Tokio Marine & Nichido Fire Insurance Co.

Handling agency OFFICE21 Co., Ltd.

This homepage provides an overview of the insurance policy. Please be sure to read the “Explanation of Important Matters” carefully before you make a contract. If you have any questions, please contact our agent.

Travel Insurance for your holidays in Japan and abroad

Travel insurance for japan.

If your dream vacation is a trip to Japan, you will want to be sure you can enjoy every moment of it even if things do not go as planned. Discover all the ins and outs with this guide to Japan with travel insurance . Will discuss the details on costs, requirements, essential coverage, COVID-19 restrictions, and some handy tips for your trip.  

• What should your Travel insurance cover for a trip to Japan? 

How does Travel Insurance for Japan work?

How much does travel insurance cost for japan.

• Our Suggested AXA Travel Protection Plan

What types of Medical Conditions do AXA Travel Protection Plans cover?

Any covid-19 restrictions for u.s. visitors, what if i have a pre-existing medical condition, how do axa travel protection plans work, what should your travel insurance cover for a trip to japan.

At a minimum, your travel insurance to Japan should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Japan.

Imagine this: you are exploring Japan’s plethora of vending machines in the city of Tokyo. From ramen noodles to exotic drinks, you can’t help but try it all. Suddenly, you feel queasy and uneasy. The snacks from a vending machine must have been spoiled. With AXA Travel Protection, we can help assist or guide you to the nearest hospital. Whether the situation goes from bad to worse, AXA is there to help you create a plan of action. Here’s how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits:  

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

In general, travel insurance to Japan costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Japan will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs.

Our suggested AXA Travel Protection Plan

AXA presents travelers with three travel plans – the Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Brazilian hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses. If you're seeking added protection for your Japan adventure, opt for the Platinum Plan. With the optional Cancel for Any Reason addition, enjoy increased flexibility for unforeseen changes in your travel agenda. Plus, Rental Car (Collision Damage Waiver) can offer coverage as you navigate the breathtaking landscapes of Thailand in your rental vehicle.

AXA covers three essential types of medical expenses:

• Emergency Medical
• Emergency evacuation & repatriation 
• Non-medical emergency evacuation & repatriation 

Emergency Medical: Can cover medical expenses, hospital stays, and even emergency evacuations, covering the expenses of hefty bills and ensuring access to quality healthcare while away from home.

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Non-Medical Emergency Evacuation and Repatriation: Offers assistance in unexpected situations such as political unrest or natural disasters, ensuring safe and timely relocation to a secure location or repatriation back home. 

There are no restrictions related to COVID-19 for U.S. visitors traveling to or from Japan at this time. U.S. travelers will not have to show proof of COVID-19 testing or vaccination records and you do not have to quarantine either. Regulations change regularly, so it is best to double-check right before you go. For up-to-date information on requirements for COVID-19 and other travel restrictions visit the Ministry of Foreign Affairs of Japan website.

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip. Our Gold  and Platinum Plans offer coverage for pre-existing medical conditions. The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons Whether your pre-existing medical condition is covered on a travel insurance plan depends on when you were diagnosed with the condition. Any condition you had within 60 days before your policy began is not covered, although if your physician diagnoses you with a condition after the effective date of the policy, your travel insurance coverage applies. NOTE: – Your state of residency may affect your coverage, so be sure to read your policy thoroughly.

Suppose you are traveling from Houston to Japan with a layover in New York City. The snow is pelting down, and the airline cancels your connecting flight in New York. A quick call to AXA's concierge services will get you a referral for a hotel and a ride to get you there. You also get reimbursed for extra expenses like meals, toiletries and other incidental expenses (up to the per-day limit) until you can get a new flight to Japan.

FAQs About International Travel Insurance for Japan

1. can you buy travel insurance after booking a flight.

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance for Japan?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3. What is needed to visit Japan from the USA?

To visit Japan, you will need a valid passport for the duration of your stay, a visa (unless you are visa-exempt), an onward or return ticket, and a QR code from the Visit Japan Web website . While travel insurance is not required, it is valuable to have.

4. What happens if a tourist gets sick in Japan?

If you become sick in Japan, travelers with AXA Travel protection can contact the AXA Assistance hotline at  855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

5. Does Japan have free health care for travelers?

No. Japan has a public health care system, but it is not available for tourists.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Best Travel Insurance for Japan: Your Worry-Free Guide

Jessica Merritt

Editor & Content Contributor

88 Published Articles 495 Edited Articles

Countries Visited: 4 U.S. States Visited: 23

Michael Y. Park

17 Published Articles 166 Edited Articles

Countries Visited: 60+ U.S. States Visited: 50

Table of Contents

The 5 best travel insurance policies for japan, is travel insurance for japan worth it, japan travel insurance costs, what japan travel insurance covers, how to get travel insurance for japan, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Planning a trip to Japan is exciting, as a rich cultural heritage, vibrant cities, and breathtaking natural settings await you. Though generally considered a safe travel destination , a trip to Japan can still be perilous, as you could encounter natural disasters such as earthquakes or typhoons, travel delays, injuries, or illness. Before you take off for the Land of the Rising Sun, look into travel insurance that can offer reassurance and relieve some of the uncertainties of international travel. 

While travel insurance isn’t required to visit Japan, getting it can safeguard your travel investment and give you peace of mind as you travel. Whether you need to cut your trip short, experience a medical emergency, or have unexpected travel disruptions, travel insurance can protect you financially and help you connect with the necessary resources.

Read this guide to find everything you need to know about insurance policies for trips to Japan, including when it’s a good idea to buy it, what it costs, what’s covered, and examples of real travel insurance plans you can use for your next trip there.

Travel insurance for Japan can be affordable and offer comprehensive coverage. We checked out quotes for policies that at least include trip cancellation and interruption insurance and coverage for medical emergencies. What you pay depends on your age, coverage, trip cost, and other factors, so we’ve run the numbers for various scenarios to give you an idea of what you can expect in terms of coverage and cost.

Consider these travel insurance policies for a trip to Japan:

‌Best Japan Travel Insurance for Young Travelers: Aegis 

Affordable travel insurance policies are plentiful for young travelers because insurance companies generally offer reasonable rates for young adults. For a weeklong trip to Japan, a 25-year-old can expect to pay $35 for an Aegis Go Ready Choice policy . This policy offers trip cancellation coverage for 100% of your trip cost and trip interruption for up to 150%. You can even get covered for an employment layoff after a 14-day wait as long as you’ve been employed for 2 continuous years. Emergency medical coverage offers $50,000 in secondary coverage, including COVID-19, and $250,000 in medical evacuation and repatriation coverage.

‌Best Japan Travel Insurance for Seniors: Tin Leg

Though seniors should expect to pay more for travel insurance than younger travelers, Tin Leg’s economy policy may still be cost-effective and offer valuable coverage at a relatively low price. A 65-year-old would pay $90 for this policy, which offers up to 100% of your trip cost for trip cancellation and interruption insurance. There’s $20,000 for secondary emergency medical coverage and up to $100,000 in medical evacuation and repatriation benefits.

Best Japan Travel Insurance for Cancel for Any Reason (CFAR): Seven Corners

If you’re concerned you may need to cancel your trip to Japan for reasons not covered by the policy’s regular trip cancellation coverage, Cancel for Any Reason benefits can help. With Seven Corners Trip Protection Basic coverage, you can get up to 75% of your nonrefundable trip costs back if you need to cancel your trip. This policy also offers up to 100% trip cancellation and interruption for covered reasons, $100,000 in secondary emergency medical coverage, and $250,000 in medical evacuation and repatriation benefits. This policy costs slightly more than others at $106.50 for a 45-year-old .

Best Japan Travel Insurance for Adventure Tours: Battleface

Whether you’re planning to hit a Japanese ski resort, go whitewater rafting, or hike Mount Fuji, a travel insurance policy that covers adventure sports can help if you get hurt. With a Battleface Discovery Plan , you can get coverage for sports and adventurous activities that would otherwise be excluded. This policy is $71.84 for a 45-year-old and also offers up to 100% coverage of your trip costs for trip cancellation, 150% for trip interruption, $100,000 in secondary emergency medical coverage, and $500,000 in medical evacuation and repatriation benefits.

Best Japan Travel Insurance for COVID-19: Berkshire Hathaway

Japan has dropped its requirements for vaccination certificates and predeparture tests, but COVID-19 can still interfere with your Japan travel plans. A travel insurance policy that covers COVID-19 offers protection if you need to cancel or cut your trip short due to COVID-19. With the Berkshire Hathaway Travel Protection ExactCare Value plan , you pay $49 for a 45-year-old and get up to 100% reimbursement for trip cancellation or interruption for covered reasons, including COVID-19. And if you get hurt or seriously ill while you’re visiting, the $15,000 in secondary medical coverage and $150,000 in medical evacuation benefits can help you get the medical treatment you need.

Wherever you travel, getting travel insurance can be worth it if you have nonrefundable travel expenses at stake. It is especially helpful if medical care is costly at your destination. It can also be worth it if you’re unfamiliar with your destination and expect to need travel assistance .

Japan is typically considered a moderately expensive travel destination, especially during peak travel times such as cherry blossom season . You likely have significant travel expenses invested in your upcoming trip to Japan. If those expenses are nonrefundable, such as flights without change options or prepaid hotel bookings, travel insurance can protect those payments and give you money back if you need to cancel your trip or cut it short for a covered reason.

While Japan has excellent medical services and universal health care that covers Japanese citizens, health coverage is not extended to visitors. Medical treatment can be costly in Japan , and it’s unlikely your U.S.-based health insurance offers coverage in Japan. Getting travel insurance for your trip to Japan that includes emergency health coverage can help you pay for medical expenses if you need treatment while you’re in Japan — or if you need evacuation for health reasons.

Visiting Japan can be confusing for new visitors, particularly if you’re traveling without a guide. Although travel insurance is most helpful for major problems, such as canceling or cutting your trip short or getting emergency medical care, this coverage can also come in handy if you use your travel insurance company’s travel assistance hotline for less catastrophic issues. For example, a travel hotline can help you get a prescription replaced or get connected with emergency cash or roadside assistance. Travel assistance hotlines may also offer translation services.

Comprehensive travel insurance for Japan typically costs 5% to 10% of your total nonrefundable expenses for the trip. This type of travel insurance generally covers trip cancellation and interruption, emergency medical treatment, emergency medical evacuation and repatriation, and 24-hour travel assistance. 

Let’s say you’ve booked a $2,000 trip. Reasonable travel insurance costs would be $100 to $200.

What you actually pay for Japan travel insurance depends on various factors, including:

• How much your trip costs
• How long you’re traveling
• How old you are
• Where you’re traveling
• The coverage options you choose
• The level of deductibles you opt for
• Coverage limits
• Optional features, such as CFAR or adventure sports coverage

See our guide to average travel insurance costs for more insight into what you should expect to pay for a travel insurance policy.

Coverage varies depending on the travel insurance policy, with some Japan travel insurance plans offering more coverage areas or higher benefit amounts than others. Still, most comprehensive Japan travel insurance policies include coverage for:

• Trip Cancellation: Trip cancellation insurance enables you to cancel your travel plans for any covered reason and receive full reimbursement for your nonrefundable travel expenses. 
• Trip Interruption: Similar to trip cancellation insurance, trip interruption insurance can reimburse you for nonrefundable travel expenses if you need to cut your trip short. Some policies offer a 150% reimbursement of your travel costs.
• Emergency Medical: Travel insurance policies with emergency medical coverage can pay out benefits if you need emergency medical treatment during your trip. Some offer primary coverage, which kicks in immediately, while others have secondary coverage, which requires you to use other available insurance coverage first before you can get benefits.
• Emergency Evacuation: If you encounter a serious medical condition and need to be moved for medical care, travel insurance with emergency evacuation benefits can pay for the cost of transportation and care to an acceptable medical facility.
• Delayed or Lost Baggage: You may need to buy replacement clothing, toiletries, and other necessities if your baggage is lost, stolen, or damaged. Coverage for delayed or lost baggage can reimburse you for these expenses.
• Rental Car Collision: Travel insurance policies may offer coverage for car rental damage so you can decline the rental company’s coverage.
• Travel Assistance Hotline: Your travel insurance coverage may include access to a travel assistance hotline that can offer help, such as directing you to medical facilities, connecting you with local resources, or communicating with loved ones on your behalf during an emergency.

Types of Japan Travel Insurance

You can choose from various travel insurance options for a trip to Japan. While we’ve highlighted comprehensive travel insurance plans with coverage for trip cancellations, medical emergencies, and more, you can customize your policy with as little or as much coverage as you need.

For example, you may look for a policy that offers emergency medical coverage or a policy that’s just for trip cancellation and interruption . Limiting your policy to specific coverage areas may offer savings. Or you may decide to upgrade your comprehensive travel insurance policy to include CFAR coverage or adventure sports , depending on your needs.

What To Look For in a Travel Insurance Policy for Japan

It’s a good idea to compare your travel insurance options before you buy a policy. Look at these factors that can influence how much you pay, your coverage, and how well your travel insurance policy works for you:

• Cost: Compare prices before you choose a policy — but also verify coverage so you’re comparing policies fairly.
• Coverage Options: Find out the details of what’s covered and the limits of how much you’re covered for. Also, understand policy limitations so you’re clear on what you’re protected for — or not.
• Policy Details: Get information such as how soon you need to cancel to get full reimbursement for your travel, what steps you need to take to get emergency medical coverage, and how to get travel assistance.
• Eligibility: Some travel insurance policies have eligibility restrictions for factors such as age and destination, so verify that you and your trip are eligible for coverage.
• Customer Reviews: Reading customer reviews can help you understand the experience others have had with a particular provider. You can learn what to expect from claims and customer service and how well the coverage works.

You have a few options for purchasing travel insurance for a trip to Japan. Usually, travel insurance for Japan is available when you book your travel, through a travel insurance website, or directly with travel insurance companies .

As you book your travel arrangements, particularly air travel or hotels, you may be offered travel insurance at booking. Though some airlines offer travel insurance, it’s also common to see third-party travel insurance offered when you book with online travel agencies such as Expedia and Booking.com . 

If you’d like to shop multiple policies at once, you can use travel insurance comparison websites such as Squaremouth . On these sites, you enter your trip information and get quotes from travel insurance companies. This approach can be good for comparing costs and coverage among policies available for your trip. 

Another option is buying travel insurance directly from an insurance company. Typically, you can get quotes from travel insurance companies and set up your policy online. You might consider buying directly if you’ve compared options and chosen a policy that works for you or if you’ve worked with a travel insurance company before and want to get another policy for an upcoming trip.

Weighing your options can save you money and help you find the right coverage at the best price, but don’t take too long to buy travel insurance. We recommend buying travel insurance within 2 weeks of your first trip payment for the best coverage.

While you can buy travel insurance for Japan, keep in mind you may already have some coverage. For example, travel credit cards, such as the Chase Sapphire Reserve ® and The Platinum Card ® from American Express , frequently offer travel insurance benefits such as trip cancellation and interruption, rental car collision damage waivers, emergency medical coverage, and baggage insurance. Of course, you should read the details of this coverage to understand policy limitations. You may find the coverage lacking and decide to get a travel insurance policy to make sure you’re covered for everything you want.

See what’s covered and what’s not with credit card travel insurance in our guide to the best credit cards for travel insurance and protection .

Getting travel insurance before your trip to Japan can relieve stress and protect your travel investment. Whether you’re seeking affordability or comprehensive coverage, Japan travel insurance can cater to diverse needs. Understand your options, find the best travel insurance policy for your needs, and journey to Japan with confidence, knowing you’re covered for the unexpected.

For the trip cancellation and interruption insurance benefit of The Platinum Card ® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the car rental loss and damage insurance benefit of The Platinum Card ® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the baggage insurance plan benefit of The Platinum Card ® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Do i need travel insurance for japan.

Travel insurance isn’t required when you’re visiting Japan. However, you may want to get travel insurance if you have significant nonrefundable travel expenses, you’re concerned about paying for medical care while in Japan, or you want to take advantage of additional travel insurance benefits.

How much does travel insurance to Japan cost?

Japan travel insurance is usually between 5% to 10% of your insured trip cost. For example, you should expect to pay between $100 to $200 to insure a $2,000 trip.

Does Japan have free health care for travelers?

Japan offers universal health coverage for citizens, expats, and long-term foreigners living in Japan. However, there is no free health care for tourists or short-term visitors.

What happens if you don't have health insurance when traveling in Japan?

If you need medical care when traveling in Japan and you don’t have health insurance, you have to pay full price to see a doctor and get treatment. You may be required to pay upfront or show proof of financial responsibility.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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ANA to Begin Introducing Travel Insurance for Customers Visiting Japan

• • Beginning March 17, ANA will provide access to travel insurance referral website for international visitors to Japan.
• • The service is available to international customers who have already booked and purchased an ANA international flight ticket to Japan.
• • Departure locations eligible for insurance coverage will continue to be expanded.

TOKYO, MAR. 17, 2022 - All Nippon Airways (ANA), Japan's largest and 5-Star airline for nine consecutive years, will provide access to travel insurance referral website in cooperation with Tokio Marine & Nichido Fire Insurance Co., Ltd. (Headquarters: Chiyoda-ku, Tokyo, "Tokio Marine & Nichido") for customers visiting Japan from abroad. The website will launch today and provides access to travel insurance provided by members of the Tokio Marine Group and its affiliated companies *1 to customers residing overseas who have already booked and purchased ANA international flight tickets on both ANA operated flights and codeshare flights to Japan. The introduction of this service is designed to simplify the travel preparation process, improve the customer experience, and offer added reassurance during the trip. ANA and Tokio Marine & Nichido will continue to work together as international travel resumes to ensure that travel is as comfortable and convenient as possible.

"By making travel insurance accessible through our website, ANA is taking another important step to simplify the travel process and offer our customers additional service", said Junko Yazawa, Executive Vice President, Customer Experience Management & Planning of ANA. "With global travel set to rebound, the ability to easily select an insurance plan for your trip to Japan will make the entire process more convenient and enjoyable. These number of departure locations eligible for insurance coverage will extend to meet emerging demand."

A link to the travel insurance portal *2 provided by Tokio Marine & Nichido will be featured on ANA's website and will be accessible from locations outside Japan. Through this portal, Tokio Marine & Nichido will guide customers to the relevant travel insurance websites in each country and region that are provided by members of the Tokio Marine Group and its affiliated companies *1 *3 .

Eligible departure cities as of March 17, 2022: All cities in the U.S., Bangkok, Ho Chi Minh City, Hanoi, Manila, Hong Kong and Taipei.

• *1 Includes Tokio Marine Group's overseas group companies and affiliated insurance companies.
• *2 The travel insurance website is operated by Tokio Marine & Nichido. The Terms of Use, Privacy Policy, and the descriptions, functions, and website services are managed under the responsibility of Tokio Marine & Nichido.
• *3 This is an optional insurance plan that requires customers to complete insurance registration procedures on their own. The insurance contract is concluded between the customer and the insurance company. All insurance products and services are provided by the insurance company. ANA is not an insurance agent or provider and cannot offer insurance advice.

• Contact: ANA Corporate Communications, TEL +81-3-6735-1111, [email protected]

About ANA Founded in 1952 with just two helicopters, All Nippon Airways (ANA) has grown to become the largest airline in Japan. ANA HOLDINGS Inc. (ANA HD) was established in 2013 as the largest airline group holding company in Japan, comprising 71 companies including ANA and Peach Aviation, the leading LCC in Japan. ANA is a launch customer and the largest operator of the Boeing 787 Dreamliner, making ANA HD the biggest Dreamliner owner in the world. A member of Star Alliance since 1999, ANA has joint venture agreements with United Airlines, Lufthansa German Airlines, Swiss International Airlines and Austrian Airlines - giving it a truly global presence. The airline's legacy of superior service has helped it earn SKYTRAX's respected 5-Star rating every year since 2013, with ANA being the only Japanese airline to win this prestigious designation for nine consecutive years. ANA also has been recognized by Air Transport World as "Airline of the Year" three times (2007, 2013 and 2018); it is one of only a select few airlines to win this prominent award multiple times. In 2021, ANA was awarded the 5-star COVID-19 safety rating by SKYTRAX, recognizing the airline's initiatives to provide a safe, clean and hygienic environment at airports and aboard aircraft, embodied in the ANA Care Promise. ANA is the only company in the aviation industry to receive the Gold Class distinction from the 2022 S&P Global Sustainability Awards and ANA HD has been selected as a member of the Dow Jones Sustainability World Index list for the fifth consecutive year and the Dow Jones Sustainability Asia Pacific Index list for the sixth consecutive year. For more information, please refer to the following link: https://www.ana.co.jp/group/en/

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The Guide to Travel Insurance for Japan

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Table of Contents

How travel insurance works

Why get travel insurance for japan, cost of travel insurance to japan, where to get travel insurance for japan, travel insurance for japan, recapped.

If you’re traveling to Japan, travel insurance may be on your mind. If something unexpected occurs before or during your trip, travel coverage can help you recoup some of the associated expenses.

Here’s what you need to know about getting travel insurance for a trip to Japan.

Travel insurance is a popular choice for many travelers, especially those who may have uncertainty about their trip. There's a wide variety of different travel insurance policies, offering protections from lost baggage to emergency medical evacuation.

Here are some of the more common types of travel insurance for trips to Japan:

Lost luggage insurance .

Trip cancellation insurance .

Trip interruption insurance .

Cancel for Any Reason insurance .

Rental car insurance .

Emergency evacuation insurance .

Health insurance .

Accidental death insurance .

There are a handful of countries which require visitors to obtain travel insurance for the duration of their trip, but Japan isn’t one of them. However, even though purchasing Japan travel insurance isn’t mandatory, there are a few scenarios that might justify getting coverage.

1. You might participate in high-risk activities

Consider the itinerary you’ve planned for your trip to Japan. Ideally, everything would go off without a hitch, but despite earnest preparation, some activities inherently present safety concerns. For example, you might need emergency rescue if you end up injured while skiing or hiking the formidable Mount Hakusan.

If your plans involve risky excursions or physically demanding activities, having travel insurance could offer a financial safety net for the worst-case scenario.

» Learn more: The best adventure sports travel insurance

2. You might get ill or injured unexpectedly

Getting sick or injured while on vacation, although unfortunate, can happen. Similarly, if you get hurt or ill just before your trip, you might prefer to cancel. Traveling around Japan with a broken leg and crutches, for example, might not be your idea of a dream vacation.

Travel insurance that’s specifically for medical coverage can cover expenses like hospital stays, emergency evacuation or a return to your home country, if needed.

There’s no guarantee that your U.S. health insurance coverage will be accepted in Japan. In fact, if you’re treated for a medical emergency or are hospitalized, you’re required to pay the provider upfront in Japan — and it can be pricey.

For example, according to the Japan National Tourism Organization, getting treated for traumatic pneumothorax (a collapsed lung) and fractured ribs resulting from a bicycle collision can cost $51,000 (7.5 million Japanese yen). This cost includes surgery, a 19-day inpatient stay, physician care and repatriation.

If your U.S. health insurance does cover injury or illness abroad, you’ll need to still pay upfront and then sort out claims processes with your U.S. insurer when you return home. Travelers who don’t pay their medical bills before returning home from Japan might be restricted from re-entering the country in the future.

» Learn more: Does my health insurance cover international travel?

3. You might experience travel-related mishaps

If you’re traveling between May and October, your vacation might be affected by the country’s typhoon season. Trip cancellation coverage and trip interruption insurance can protect you if you experience significant delays or cancellation due to extreme weather.

Similarly, depending on your policy terms, trip cancellation protection might cover you in the event of a public health outbreak if there are tourist travel restrictions. Always check your policy coverage limitations to see what’s covered.

» Learn more: How to get paid for trip delays

4. You might just want flexibility

If you simply had a change of heart and no longer want to move forward with your Japan trip, basic travel insurance likely won’t cover your financial loss.

However, if you purchased travel insurance for Japan and added a Cancel for Any Reason rider, you’d be able to recoup at least some of your money.

» Learn more: Is Cancel For Any Reason travel insurance worth it?

NerdWallet analysis on the cost of travel insurance determined travelers can expect to pay 6%-7% of the price of your trip for coverage.

A one-week trip to Japan for two people can average $1,749 (261,998 yen), not including airfare. Assuming round-trip flights for two cost about $2,000, the total cost of a one-week trip to Japan for two might cost nearly $4,000.

If using a 7% cost add-on for Japan travel insurance, the cost for coverage could be as high as $280.

» Learn more: The best airlines that fly to Japan

Factors that affect Japan travel insurance cost

Like your car and health insurance coverage in the U.S., the cost of getting travel insurance for Japan varies based on your situation. Factors that affect insurance cost, depending on the type of travel insurance , include:

Number of people. The number of individuals (adults and children) in your travel group who need coverage.

Age. The age of each person who’s included in the policy. 

Home country and state. The country and state you’re traveling from. 

Existing health. For example, whether you or someone on the policy has a pre-existing condition. 

Trip destination. The place you’re traveling to — in this case, Japan — and type of coverage. For example, if seeking travel health insurance, the cost of medical care in Japan is considered.

Trip cost. The total cost of your vacation or trip, including flights, accommodations, pre-purchased activities and excursions.

Trip duration. How many days you’ll be in Japan.

Policy add-ons. Extra optional insurance policy features, like Cancel For Any Reason, rental car coverage or extreme sports coverage, for example.

There are many places to find various levels of travel insurance for an upcoming trip to Japan.

Travel credit card benefits

Some premium travel credit cards include travel protection perks for cardholders, like trip cancellation, lost baggage protection and trip delay coverage.

This option only covers travel expenses that were purchased using the card providing the benefit and might have coverage limits. Read the fine print of your card’s benefit’s coverage to learn more.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

» Learn more: 10 credit cards with travel insurance

Third-party travel insurance providers

You can find and compare travel insurance companies online. Example providers include:

World Nomads .

Berkshire Hathaway Travel Protection .

When requesting quotes, make sure you’re comparing policies with similar features and coverage levels. It’s also a good idea to compare each insurer’s claims process to understand what you should expect if you need to file a claim .

If your budget can support getting travel insurance for Japan, it might offer greater peace of mind during your visit.

Having some form of travel insurance is particularly important for travelers with a pre-existing medical condition or those who are engaging in high-risk activities.

American Express travel insurance disclosures:

Insurance Benefit:  Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours ; and 2 claims per Eligible Card per 12 consecutive month period.

Disclosure: 

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit Travel and Retail American Express Card Benefits | Amex for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit:  Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Disclosure:

Insurance Benefit:  Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip.  For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

Insurance Benefit:  Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Finding the Right Travel Insurance for Japan

Here’s what you need to know about travel insurance for Japan, with a comparison of some of the options available—including those that you can book when you’ve already started your trip.

A short but necessary disclaimer: Getting travel insurance is important, but we can’t make the decision for you. We can only provide information to hopefully make that decision a bit easier. Also, please note that we do not sell or provide insurance ourselves.

Note: Antibody tests and PCR tests needed for travel purposes are generally not covered by travel insurance. As always, read the T&Cs carefully!

• Do I need travel insurance for Japan?
• Coverage for flight delays & lost luggage
• Japan travel insurance essentials
• Compare travel insurance providers for your trip to Japan

Japan travel insurance FAQs

You are ready for the adventure of a lifetime in japan what could possibly go wrong a lot, actually..

Apart from the obvious travel disasters (think lost luggage, pinched passports or canceled flights), getting sick abroad is, unfortunately, a possibility—and one you’d be well-advised to insure yourself against.

While getting a basic prescription for medicine in Japan is generally affordable out of pocket, more serious medical considerations like hospitalization or transport back home can easily run into the thousands of dollars (US). Having a travel insurance policy can give you some peace of mind, and is something most travel experts recommend. We may be Cheapos, but we believe in playing it safe.

Do I really need travel insurance for Japan? I heard it is one of the safest countries in the world.

Good point. Japan is ranked as one of the safest countries in the world, with extremely low reported crime rates. But, while you may not have to worry too much about your stuff getting stolen, there are other things to consider, besides falling ill.

For example, Japan is frequently hit by typhoons . The typhoon season generally runs from late July to early October, but has started earlier and finished later in recent years. A big typhoon can lead to canceled flights, long delays or canceled trips and tours. There are also earthquakes and other concerns .

Aren’t delayed flights and lost luggage covered by airlines?

Almost all airlines will reimburse you for lost and delayed luggage, as well as canceled flights. But you’ll need to check the conditions on your ticket carefully, to be sure. While most travel insurance policies offer this as part of the package, you probably don’t need to double-insure yourself on this.

But things become fuzzier for your trip overall; think about the bullet train tickets and tours you might book in Japan. While you can often get refunds for tours canceled due to bad weather, you might be stuck with hotel and transport bookings that you don’t need anymore if your tour is called off. Many travel insurance policies click into gear in this case.

COVID-19, Japanese encephalitis and other health concerns

In light of the coronavirus (COVID-19) pandemic, many travelers are understandably worried about their upcoming travel plans. More on that below.

An older concern is Japanese encephalitis, which can be contracted via mosquito bites across most of Asia—not only in Japan. Luckily, it is extremely rare. It is estimated that less than one in a million travelers to Asia will contract the disease, and for most humans, it will be asymptomatic. A vaccine is available, but only recommended for those who will stay longer than one month in high-risk areas. Generally, bug-bite prevention is recommended as a first-line defense.

Other than that, it’s generally advisable to check that all your vaccines are up to date before embarking on your Japan trip.

Travel insurance and cancelations due to COVID-19

You might be wondering if your insurance covers cancelations due to COVID-19. In short, it will vary depending on your insurance provider. As always, check with your travel insurance provider and read the fine print and special conditions carefully. Never assume anything!

Travel insurance for Japan: What should your policy cover?

Generally speaking, the biggest items when it comes to travel incidents are medical expenses and emergency evacuations, which can run into the tens and even hundreds of thousands of dollars. So check that the Japan travel insurance or Japan travel health insurance policy you sign up for provides enough cover to make you feel comfortable.

Keep in mind that medical expenses really are for unforeseen situations and emergencies like accidents, or getting sick on the road. Medical tourism, check-ups or preventative treatments are usually not covered.

Anything else you might want to add to your travel insurance policy for Japan depends on what your itinerary looks like.

Comparing Japan insurance options for different types of travelers

Just a quick note before we get into it (another disclaimer): Always read the policy wording for any insurance very carefully before signing up. Terms and conditions can change over time, and also differ depending on factors like your age, country of residence, or how high you want your cover to be. 

We can’t recommend one best Japan travel insurance policy for everyone because we all travel differently, but we hope this overview is a starting point for you to find travel insurance for Japan that suits you, personally, best. Also, prices are subject to change.

Travel medical insurance: SafetyWing

SafetyWing offers travel medical insurance at affordable rates, starting from approximately US$42 for four weeks, for travelers under 40.

What is different about their plan is that you can extend it indefinitely, until it reaches the maximum of 364 days — after which you can renew your policy. This makes it an interesting choice for long-term travelers and digital nomads. SafetyWing rolled out their travel medical insurance a few years ago and recently added other health insurance products for those without a fixed residence in one country.

A bonus is that you can kick off your SafetyWing travel medical insurance plan any time, even when already on the road . Besides emergency medical, their policy also covers the travel basics, including trip interruption, personal liability and lost luggage. Since August 1, 2020, SafetyWing has also covered COVID-19, and from April 15, 2021, unplanned quarantine is covered, too.

While it may be a fairly new kid on the insurance block, founded in 2017, SafetyWing is underwritten by Tokio Marine, one of the biggest underwriters in the world.

Another option for Southeast Asians: FWD

If you are from Singapore, Thailand, Vietnam, Malaysia, Indonesia, Hong Kong , Macau, Cambodia or the Philippines, you might want to take a look at FWD for travel insurance. Another fairly new insurer, they are expanding throughout Asia and seem to offer some of the cheapest plans we could find online, starting from approx. ¥ 2,200 for a single trip to Japan.

Their plan ticks all the usual travel insurance boxes, including medical evacuation cover, which is unlimited. It also seems to cover skiing—but confirm this with them.

Two other Japan travel insurance options: Atlas International and Travelex

Starting at approximately ¥ 1,800 for a two-week trip to Japan, Atlas International is available to citizens of most countries. They offer you the option to play with the sliders, so you can e.g. add a deductible to bring down the premium or push up the cover if you are happy to pay a bit more.

Travelex has been around for quite a while and is a popular choice with North Americans. They have a good reputation and their starting rates are affordable; however, their medical expense cover for US citizens might be a bit low, depending on your needs.

Japan travel insurance comparison chart

Here is a quick, rough comparison of the different insurers we’ve mentioned that offer cover for trips to Japan for global citizens. Remember, all prices are approximate and subject to change and will vary depending on your age, country of residence, length of stay and specific circumstances! Where basic vs. extended plans were available, we picked basic for the sake of comparison.

Scroll to see all the options, if they don’t show up on your screen.

Coverage overview

This is intended as a very brief overview only. Always check the coverage and T&Cs carefully on your own!

Notes on the insurers: Allianz Travel offers three different levels of coverage from Bronze to Silver, with varying premiums and covers. Available to residents of Singapore. --> SafetyWing has a higher premium for those over 39 years of age. Travelex is a US insurer, but available for global citizens. Conditions may vary by country of residence, age and—notably—the total value of your trip that you want to insure. FWD is available to citizens of 10 Asian countries and regions: Singapore, Malaysia, Cambodia, Indonesia, Vietnam, Thailand, the Philippines, Hong Kong, Japan and Macau, though the available insurance products differ by location.

You ask, we answer.

Is travel insurance required for Japan?

Generally, no—travel insurance is strongly recommended , rather than required, for Japan.

How much is travel insurance to Japan?

The cost of travel insurance for Japan depends on which provider you use for your policy. As a rough guide, it can range from ¥ 1,000 to ¥ 8,000 for a one-week trip, depending on your age, place of residence, itinerary, and preferences.

If you are under 40, a month-long travel medical insurance policy through SafetyWing will set you back approximately ¥ 4,700 , or 42 USD. It’s a good idea to compare multiple policies to work out which is the best deal for your visit to Japan.

What’s the best travel insurance in Japan for foreign residents?

If you are a foreign resident of Japan, looking for travel insurance for your upcoming trip OUT of Japan, you have access to the insurance providers listed above, as well as local providers. If you have a Japanese credit card , you could start by asking whether any travel insurance is provided through that, and go from there.

Post first published in February, 2020. Last updated in December, 2021.

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Last updated: Wednesday, May 31st, 2023

Get ready for your dream trip to Japan! Japan is now open to travelers from all countries or regions! Those who enter Japan on or after April 29th 2023 are not be required to present a valid vaccination certificate or a Covid-19 negative test certificate.

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5 Best Travel Insurance for Japan – Requirements and Cost

Home | Travel | Asia | 5 Best Travel Insurance for Japan – Requirements and Cost

If Japan’s ancient temples and captivating landscapes are calling you, make sure you get Japanese travel insurance so you’re covered for any mishaps. You should visit this country at least once, but it’s also essential to plan for the unexpected. After all, anything can happen while traveling!

I’ll tell you upfront that travel insurance for Japan isn’t a requirement for entering the country. However, I consider it essential any time you take a trip. Besides, healthcare in Japan is super expensive, so it’s much better to pay for insurance beforehand rather than deal with huge medical bills in an emergency.

We’ve been using Heymondo for years now, and it’s proven to be one of the best travel insurance companies . It offers an excellent coverage-to-price ratio, and it’s one of the few providers that pays your medical expenses upfront , so you don’t have to pay out of pocket and file a reimbursement claim. You can use our Heymondo discount code for 5% off your policy.

5% OFF your travel insurance

Another great option if you’re traveling on a budget is SafetyWing . However, bear in mind that it has a $250 deductible per claim , and in case you need medical assistance, you will need to pay for it from your own pocket and then fill out a claim for reimbursement once you’re back home. I’ll share more about these and other travel health insurances for Japan below so you can find the perfect plan for your trip purpose and budget.

Guide to the best travel insurance for Japan

This article will cover everything you should know about travel health insurance for Japan , including:

Japanese travel insurance price comparison

Best travel insurance for japan, what does japanese travel insurance cover.

Tips for finding the best travel insurance for Japan

Do you need travel insurance for Japan?

No, travel insurance isn’t an entry requirement for Japan , but taking out a policy is always wise. This is especially true in a country like Japan, where medical services come with a steep price tag. While I hope you don’t have to deal with an accident or sickness during your trip, if you do, at least you’ll have the peace of mind of being covered by your Japanese travel insurance .

With travel medical insurance for Japan , you won’t have to worry about the expenses related to an injury or illness. Many policies also include benefits like trip interruption and baggage loss, but I’ll talk about that later .

Here is a chart that gives you a better idea of how much travel insurance to Japan costs . As you can see, the price ranges from around $1.50/day to $6/day. Of course, it’s also important to look at the coverage amounts and additional benefits before choosing a company.

For this comparison, I chose the best Japanese travel insurance plans from five top providers. I simulated the costs for a 30-year-old American traveling to Japan for two weeks with a trip cost of $2,500:

*Price used for example

This is just an example, but you’ll see that some insurance policies offer more coverage than others. Deciding which benefits you want is essential to choosing the best plan for you. Don’t worry; I’ll help you narrow down the options !

Let’s dive deeper into the best travel insurance for Japan . While we’ve been using Heymondo for years (and absolutely love it), I know everyone has different needs. For example, if you’re on a budget and primarily interested in medical-related protection, SafetyWing is an excellent choice.

Below, I’m sharing the five insurers that stand out in terms of pricing, coverage, and benefits.

• Heymondo , the best travel insurance for Japan
• SafetyWing , a cheap travel insurance for Japan
• IMG Global , a good Japanese travel insurance for seniors
• Travelex , a basic insurance for travel to Japan
• Trawick International , a great medical travel insurance for Japan

1. Heymondo , the best travel insurance for Japan

First, Heymondo is the best Japanese travel insurance for those looking for a high amount of medical coverage. With the Heymondo Top plan, you’ll have $250,000 in emergency medical coverage and $500,000 for evacuation and repatriation. There are also great trip-related benefits like baggage loss protection, travel disruption, and trip cancellation.

Unlike other insurers, Heymondo pays your medical bills upfront , so you don’t have to pay out of pocket and file a claim for reimbursement. Just use the 24/7 app to contact the customer support team, and they’ll tell you the nearest hospital or clinic to go to. By the time you arrive, they’ll have paid everything for you, so you can focus on getting better. The customer support app is also handy for quick questions or concerns, as you can chat with a doctor without going to a medical center.

Indeed, Heymondo isn’t the cheapest option. Still, it’s competitively priced and offers incredible protection for unforeseen health emergencies, which is crucial for a country like Japan, where medical care is expensive.

We’ve had to rely on our Heymondo insurance throughout the years, and the company has always taken great care of us. From lost luggage and flooded camera equipment to countless stomach problems, Heymondo has supported us through it all.

Now that we’re traveling full-time, we use their long-stay travel insurance and can confidently recommend it. If you choose this company, take advantage of our Heymondo discount below .

2. SafetyWing , a cheap travel insurance for Japan

SafetyWing is another worthwhile travel insurance for Japan . As I mentioned above, it’s a good choice if you’re more concerned about medical coverage and on a tight budget. SafetyWing’s Nomad Insurance is one of the best cheap travel insurance plans , although it does come with a $250 deductible.

If you’re a digital nomad or staying in Japan for a while to work, this is a convenient insurance policy since it automatically renews every 28 days until you pick an end date. Also, if you’re traveling with family, keep in mind that SafetyWing allows you to add two kids under age 10 to your policy for free.

It’s true that SafetyWing insurance offers fewer trip-related benefits, but it still comes with a decent amount of trip interruption and baggage loss protection. However, it doesn’t cover trip cancellation. Unlike Heymondo , SafetyWing requires you to pay any medical expenses upfront and file a claim for reimbursement.

3. IMG Global , a good Japanese travel insurance for seniors

IMG Global is another Japanese travel medical insurance that stands out mainly because of its variety of plans. For example, its GlobeHopper Senior plan is one of the best travel insurances for seniors , covering individuals up to 99 years old.

There are also policies for families, students, and expats, and IMG offers travel insurance for pre-existing conditions . Whether you’re taking a short trip or planning a longer visit to Japan, you can find a plan that meets your needs.

As for the price of this travel insurance to Japan , it depends on the specific policy and your chosen coverage limits. While this kind of customization is nice to have, it can also drastically increase the price. I recommend reading through the conditions and exclusions to know exactly what’s covered and what’s not.

Overall, IMG’s medical-related coverage is quite good. The company can cover up to 100% of your costs if your trip is canceled (up to 150% if it’s interrupted). However, its baggage protection isn’t as high as that of other companies like Heymondo , and IMG doesn’t pay your medical bills upfront, so you’ll have to file a claim to get reimbursed for out-of-pocket healthcare expenses.

4. Travelex , a basic insurance for travel to Japan

Travelex is another option and a good overall travel insurance for Japan , thanks to its travel and medical-related coverage. It only has two plans to choose from, so you don’t have to stress out about finding the perfect one. However, the policies aren’t as customizable as those with other providers.

The Travel Basic plan includes $15,000 for emergency medical services and $100,000 for repatriation. While the Basic plan is on the cheaper end, it offers a lower amount of coverage. The Travel Select plan costs around $30 more but bumps your coverage to $50,000 and $500,000 for emergency medical and repatriation, respectively. Still, I don’t think this is enough for Japan.

The Select plan can also cover pre-existing conditions with a 60-day look-back period. Moreover, this plan is one of the best travel insurances for families , allowing you to add children aged 1-17 at no additional premium.

However, when you compare Travelex to other insurers like Heymondo , it’s clear that the latter provides excellent protection and coverage limits for around the same price. I would favor Heymondo over Travelex, especially if you’re looking for the best travel insurance for Japan .

5. Trawick International , a great medical travel insurance for Japan

Lastly, Trawick International is another travel health insurance for Japan worth considering. It offers a variety of plans with travel benefits like emergency medical expenses coverage, evacuation and repatriation, and trip interruption protection.

That said, Trawick has limited baggage loss coverage and is better known as a medical-only travel insurance . If you’re a senior traveler or want coverage during your trip for a pre-existing condition, this could be a great option since some plans offer this benefit. Some add-ons, such as rental car coverage and Cancel For Any Reason (CFAR), are also available.

While the trip cancellation and interruption benefits are good, the amount of emergency medical coverage is relatively low. The plan we looked at provides similar coverage to Heymondo but at a higher price. Also, Trawick International doesn’t pay your medical expenses upfront, so you’ll have to pay out of pocket and then file a claim for reimbursement.

Remember, you should look at more than just the price when purchasing health insurance for traveling to Japan . The types of coverage below are must-haves for any policy:

Emergency medical expenses

Emergency medical coverage is the amount your insurer will pay for any doctor’s visits, tests, treatments, and hospitalizations you need if you get sick or hurt. You want this amount to be as high as possible, especially when looking for Japanese travel insurance .

Important ! Read through the conditions and exclusions, so you know exactly which illnesses and incidents are included.

Repatriation & early return

Repatriation will cover the transportation costs involved in sending you back to your home country due to serious illness, injury, or death. This type of coverage is usually included in Japanese travel health insurance , but it’s always a good idea to double-check.

Along the same lines, early return coverage pertains to situations where you must go home early due to an unforeseen event.

Baggage loss, delay & theft

Luggage issues are all too common while traveling, so this type of coverage is a no-brainer. It’s especially important in big cities like Tokyo and Osaka, where pickpockets like to target tourists. Of course, there can also be problems with the airline losing your bags.

Make sure your travel insurance to Japan includes this benefit so you can replace your clothes and toiletries without paying out of pocket. If you’re bringing a laptop or camera gear, check if your policy covers electronic equipment (some companies offer it as an add-on).

Trip interruption & cancellation

Trip interruption coverage amounts vary depending on the provider, but it’s another essential component of the best Japanese travel insurance . If something unexpected interrupts your trip, this benefit will cover the incurring costs for accommodation and meals.

Trip cancellation is not always included in travel insurance for Japan, but it’s well worth adding as an extra. You can learn more about this benefit in our guide to the best trip cancellation insurance . Remember, this isn’t the same as Cancel For Any Reason (CFAR) insurance , but I’d look into it if you want the option of canceling your trip and recouping the costs.

Other coverage

Adventure sports protection is another type of coverage you can add to your Japanese travel insurance policy . Activities like scuba diving, whitewater rafting, and bungee jumping fall under this category. Even hiking at high altitudes is considered risky, so I recommend adding this coverage if you plan on participating in extreme sports and activities.

Finally, natural disasters like tsunamis, typhoons, and earthquakes aren’t uncommon in a country like Japan. Including this type of protection in your policy is a good idea .

Now that you know the best Japanese travel insurance companies and what your plan should cover, here are some final tips:

• Look for the best coverage : Rather than focusing on the price of the policy, look at the amount of medical coverage it includes. It’s better to pay a little more for the best coverage. For example, Heymondo isn’t the cheapest option, but it has excellent protection benefits.
• Choose a company that pays your bills upfront : When you get hurt or sick while abroad, you don’t want to think about the medical bills; you just want to get treatment. The best Japanese travel insurance will pay your healthcare expenses upfront so you can focus on recovering. This is another reason why we love Heymondo . Other companies make you pay out of pocket and file lots of paperwork so you can get reimbursed, and in a country like Japan, the prices can be steep.
• Consider the onboarding process and policy contract : An insurer’s website and onboarding process can tell you a lot. Getting a quote should be fast and straightforward. Also, make sure you can read through all the terms and conditions before buying.
• Pay attention to the company’s customer service : This is an integral part of having travel insurance for Japan . No matter the time, you want to be able to contact customer service and get assistance in your language. Heymondo has a convenient 24/7 app to chat with a doctor and access your insurance documents.

If you’re still wondering if travel insurance is worth it for a trip to Japan, my answer is a resounding yes! While Japan is a safe country, it’s impossible to predict the future, so it’s better to be covered for unforeseen injuries, illnesses, and events.

Moreover, if you’re visiting big cities like Tokyo, you risk dealing with pickpockets and thieves. Japan is also known for being a site of natural disasters, particularly strong storms and tsunamis. Having a policy with natural disaster coverage and early return benefits is essential.

Heymondo covers all these things and more, so if you choose this Japanese travel insurance , don’t forget to get 5% off with our Heymondo discount code .

FAQs – Travel insurance in Japan

To finish up, here are some common questions and answers about choosing the best travel insurance for Japan :

Do I need insurance to travel to Japan?

No, you don’t need Japanese travel insurance to visit the country. However, I highly recommend it, especially since healthcare in Japan is so expensive.

What is the best travel insurance for Japan?

Heymondo is the best travel health insurance for Japan because it pays your medical bills upfront. Other excellent options include SafetyWing , IMG Global , Travelex , and Trawick International .

How much is travel insurance for Japan?

Travel insurance for Japan ranges from around $1.50/day to $6/day.

The best travel insurance to Japan should cover emergency medical expenses, repatriation, baggage loss, and trip cancellation.

What’s not covered by travel insurance in Japan?

Most policies don’t include adventure sports or Cancel For Any Reason coverage, but you may be able to add these benefits for an extra fee.

That concludes our guide to the best travel insurance for Japan ! I hope this article helps you pick the perfect plan for your needs so you can enjoy your trip in total confidence. If you have any questions or want to share your experience with one of these Japanese travel insurance companies , please leave me a comment below. I’d love to hear from you!

Stay safe, and have a great time in Japan!

Ascen Aynat

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Home » Asia » Japan » Guide To Japan Travel Insurance – ALL You Need To Know

Guide To Japan Travel Insurance – ALL You Need To Know

So, you’re headed to the Land of the Rising Sun? Great choice!

Japan is a MESMERISING blend of traditional culture and cutting-edge modernity. With its serene temples, bustling cities, iconic Mount Fuji, and cherry blossom festivals, there’s no place quite like it anywhere on earth.

And let’s not forget the delectable sushi, ramen, and sake that awaits every food enthusiast. Sounds delightful, right?

But, while Japan is known for its impeccable public manners and one of the world’s lowest crime rates, why take a risk when it comes to unforeseen mishaps?

Here, we’ll discuss everything you need to know about travel insurance for Japan , ensuring you’re covered for every adventure in this beautiful nation.

By the end of this post, we will answer all of your Japan travel insurance questions.

Do I Need Travel Insurance For Japan?

What should travel insurance in japan cover, what else should japan travel insurance cover, what is the best japan travel insurance, how to choose the right japan travel insurance for you, final thoughts on japan travel insurance.

The Broke Backpacker is supported by you . Clicking through our links may earn us a small affiliate commission, and that's what allows us to keep producing free content 🙂 Learn more .

Japan is largely seen as a very safe country. Its cities are clean, and crime rates are significantly lower compared to global averages. But, as with any travel, unexpected events like natural calamities, health issues, or even simple travel inconveniences can arise. Japan is also known for its typhoons and earthquakes as well as a fee nasty tropical diseases.

While Japan doesn’t specifically mandate travel insurance for short-term tourists, considering the high cost of medical care inside the country, it’s highly advisable to have insurance coverage during your stay.

In essence, if you’re backpacking around Japan , having the best travel insurance for Japan ensures peace of mind, allowing you to immerse in the culture worry-free.

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Healthcare in Japan

The Japanese healthcare system is top-notch, with some of the world’s most advanced medical technologies and practices. Both public and private healthcare facilities maintain high standards, and English-speaking medical staff are available in urban areas.

However, medical treatment in Japan can be hazardously expensive for tourists. A simple doctor’s visit can range from ¥5,000 to ¥10,000 ($50 – $75). Hospitalization and surgeries can run into several thousand dollars.

For tourists, it’s essential to have travel insurance that covers any potential medical expenses, allowing you to access the best healthcare services without burning a hole in your pocket.

Crime in Japan

Japan boasts some of the lowest crime rates globally. Violent crimes are rare, and streets are safe, even late at night. My friend even left an expensive jacket on a park bench only to find it still there several hours later.

However, like any other tourist destination, petty crimes like pickpocketing in crowded places or thefts can occur sometimes.

While Japan is quite safe , having travel insurance that covers loss of valuables can be a lifesaver, ensuring that lost items don’t ruin your trip.

Issues Facing Travellers in Japan

While Japan offers an impeccable travel experience, there are issues tourists should be aware of:

• Natural Disasters : Japan is prone to earthquakes, tsunamis, and typhoons. These can lead to travel disruptions.
• Language Barrier : Despite the prevalence of English, language can still be a barrier, especially in rural areas. This can make navigating medical emergencies tricky.
• Lost Passports or Valuables : While rare, losing essential documents can be a hassle.

Popular Activities in Japan and Their Associated Risks

Temple Hopping : Touring ancient temples and shrines is my favourite activity. However, some are located on hills or require extensive walking.

This is a relatively sage activity unless you anger one of the gods! Then you need to be mindful of accidents due to falls, especially in crowded places or during festivals.

Skiing and Snowboarding : Areas like Hokkaido are popular for winter sports so Skiing-related injuries do occur every season. Note that not all insurance policies cover winter sports, so checking beforehand is essential.

City Exploration : Roaming cities like Tokyo and Osaka, using their intricate metro systems. Crowded trains can be overwhelming, leading to stress, or loss of belongings.

Things go wrong on the road ALL THE TIME. Be prepared for what life throws at you.

Buy an AMK Travel Medical Kit before you head out on your next adventure – don’t be daft!

From what we’ve observed, the majority of travel insurance policies in Japan typically encompass the following:

• Emergency Medical Treatment for Accidents & Illnesses
• Personal Belongings and Luggage Coverage

Emergency Evacuation and Repatriation

Non-medical emergency evacuation.

• Coverage for Trip Cancellation
• Protection for Trip Interruption

We believe these elements are pivotal when comparing insurance options. However, we won’t delve into the details of each aspect here.

Emergency Accident & Sickness Medical Expenses

Emergency Medical costs are perhaps the single most important aspects of any travel insurance policy. If you have an accident or become seriously ill with a tropical illness, you may want to rest easy knowing that the medical costs and Doctors bills will be taken care of.

Many of you out there have probably never actually seen a medical bill. However, we have seen too many for our liking and believe us, they can get very expensive very quickly.

A friend of mine was once charged $10,000 for a leg infection in Costa Rica. Even 2 days in a Thai hospital cost him nearly $2,000.00! Thankfully he was insured on both occasions.

Pre-existing medical and health conditions may not be covered under this or they may be covered for an additional premium. Ideally, Emergency Accident & Sickness Medical insurance should offer at least $100,000.00 of coverage but some run into the millions. If you are visiting Japan, then do have a serious think about this.

Baggage and Personal Property

Coverage for luggage and personal belongings safeguards the worth of your bags and their contents. It’s most frequently utilized for misplaced luggage (and lost luggage was at all time high last year).

Many policies further extend this protection to include theft that occurs at your destination, which is especially valuable if you’re unfortunate enough to be robbed during your trip.

The coverage limits can differ across policies. Yet, it’s uncommon for the maximum coverage to surpass $1000, with individual item limits usually ranging between $250 to $500.

For many travelers, this might suffice. But if you’re journeying with expensive electronics like laptops or cameras, or specialized equipment like golf clubs, it might be worth considering additional gadget insurance.

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Emergency evacuation covers the cost of sending you back to your home country in stressful circumstances.

Let’s say that the above mentioned tropical illness you catch is a very nasty one, and the decision is taken to send you home for further treatment; this will take care of the high costs of flying you home on a drip. 

Repatriation is the cost of sending your remains home in the rare event that you die on your trip. Repatriation costs are not a burden I would want to leave to my family.

Whilst this is thankfully rare, I do come across Facebook or “Go Fund Me” campaigns for somebody’s body to be flown home.

Non-medical Emergency Evacuation is when you have to be evacuated because of some sudden crisis. 

Examples are the outbreak of war/civil unrest and natural disasters that decimate infrastructure such as the South Asian Tsunami of 2006 or one of the earthquakes which do strike Japan.

In more recent times, the Corona COVID-19 outbreak created the biggest international emergency evacuation situation ever. (FYI – it straddled both the medical and non-medical evacuation boundaries).

Emergency evacuation insurance covers the costs of having to book an emergency flight home ( which can be seriously expensive) and will also cover accommodation costs if you end up being flown to a random, “safe” country rather than going straight home.

Trip Cancellation

Having to cancel an adventure that you were truly excited for is painful. However, being left out of pocket just makes it worse.

Trip Cancellation insurance can help you to recover the ‘non-refundable costs’ of your trip such as flight and hotel costs. Visa’s are also in this category.

To clarify, you can’t claim this simply because you changed your mind about the trip or fell out with your travel buddy. Proper cancellation reasons are things like sickness, family emergencies, bereavement, natural disaster and war – you get the gist.

Bearing in mind how much many some travellers spend on their dream Japan trip, this cover is one worth having in your back pocket.

Trip Interruption

Trip Interruption is when something goes wrong, even interrupts, and you have additional costs to pay because of it.

One example, when your pre-paid hotel falls down and you are forced to book another one. Another example is when your flight home is cancelled and you need a few extra nights at your hotel.

The above are what we consider to be the basic, bare-bones of travel insurance policies. However, some policies do offer a few more aspects to them. The very best Japan travel insurance policies may also include the following:

Adventure Sports and Activities

Please note that adventure sports and activities are not covered by all travel insurance policies. The definition of adventure sports and activities really does vary between providers but for example, can include:

• Trekking (altitude is usually a factor here)
• Swimming with Whales
• Improvised football games….

If you are going to be doing anything remotely physical or outdoorsy on your trip, then it may be sensible to check that your insurance provider is covering it. Broken jaws hurt enough without having high medical bills attached to them.

Accidental Death and Dismemberment

Accidental Death & Dismemberment cover doesn’t cover any travel related expenses as such but instead it basically provides you (or your next of kin) with monetary compensation in the event that something happens to you.

If you die, your loved ones get a payout. Or, if you lose a digit, YOU get a payout. I mean, how much is a finger really worth to you anyway?

It’s kind of like having a bit of life cover attached to your travel insurance.

“Well dear, I’m afraid there is good new and bad news. The bad news is that your parents both died on their trip to Japan. The good news is that you get $10k!”

Gear and Electronics Cover

Some insurance policies do cover electronic gadgets, but others do not. Those that do, sometimes charge an additional fee and they also usually limit the maximum item value.

If you only travel with a phone or a tablet then your travel insurer may well cover it entirely. However, if you’re travelling with a quality laptop , then you may wish to consider obtaining gadget cover.

Personally, I have had separate gadget cover in place on my trusty MacBook Pro for years now.

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While it might appear that all travel insurers are the same, they each bring unique offerings to the table. Some provide more affordable rates, while others prioritize extensive coverage. There are insurers known for their stringent claims process, and there are those celebrated for their fairness and assistance.

Travel insurance – consistently inconsistent. We cannot, and should not, declare one as the superior choice. Insurance is intricate, with policies crafted based on vast data and numerous factors.

The best travel insurance hinges on your destination, travel time, and most crucially, your personal requirements. An insurer perfect for one journey might not suit another.

In the following section, we spotlight several travel insurance providers we’ve personally utilized over the years.

SafetyWing are a relatively new player in the travel insurance space but are already making big waves. They specialise in cover for digital nomads and they offer open ended cover on a monthly subscription basis.

Because they primarily cover digital nomads, they don’t offer much in the way of trip cancellation or delay so do take that into consideration.

However, SafetyWing really excels on the health side of travel insurance, covering dental and some complimentary treatments. In fact they even allow young children to be covered for free. 

If cancellation and delay is not a concern for you or if you will be spending some considerable time on your trip, then consider SafetyWing travel insurance .

• Emergency Accident & Sickness Medical Expenses – $250,000
• Baggage and Personal Property – $3000
• Emergency Evacuation and Repatriation – $100,000
• Non-Medical Emergency Evacuation – $10,000
• Trip Cancellation -$0
• Trip Interruption – $5000

If you need more information, or want to get a quote, then you can visit the website for yourself.

World Nomads

World Nomads have been insuring backpackers for 20 years now. Its a backpacker travel insurance company, and their policies cover long way travel on one way tickets, trips to multiple countries, and a whole lot of adventure activities.

These guys are well used to dealing with backpackers like us, and they are regularly recommended by travel bloggers and industry insiders. We love them.

They offer 2 different policies depending on your needs. The Standard Plan is standard & the Explorer Plan covers a whole host of high risk, high fun activities.

World Nomads are also one of the few travel insurers who will write you a policy after starting your trip. The one downside for us is that they don’t cover Pakistan.

Let’s look at the maximum coverage amounts with both the Standard & Explorer plan.

• Emergency Accident & Sickness Medical Expenses -$100,000/$100,000
• Baggage and Personal Property – $1000/$3000
• Emergency Evacuation and Repatriation – $300,000/$500,000
• Non-Medical Emergency Evacuation – $25,000/$25,000
• Trip Cancellation -$2500/$10,000
• Trip Interruption – $2500/$10,000

If you want more info or to get a quote then visit the World Nomads site for yourself and take a look.

The savvy fin-tech insurer Faye provides whole-trip travel coverage and care that brings out the best in each journey with industry-leading technology that enables smarter and smoother assistance with faster claims resolutions. Their excellent app-based travel insurance covers your health, your trip and your gear all via an app that provides real-time proactive solutions, quick reimbursements and 24/7 customer support.

If you ever do need to make a claim, then you simply log in to the app and the claim will be assessed super quickly from anywhere in the world! My friend made a claim and was able to manage everything directly on the app. She was even able to purchase ‘Cancel for Any Reason’ Insurance that allows you to quite literally cancel for any reason, and be refunded up to 75% of non-refundable bookings.

Best of all, if the claim is successful then the funds will be immediately credited to the smart wallet on your phone or device and ready for you to spend.

Columbus Direct

Named after one of history’s greatest (and most divisive explorers), Columbus Direct also specialise in insuring adventure-hungry explorers like us. They have been providing award-winning insurance for 30 years.

What we like about this plan is that it does cover small amounts of personal cash. However, Gadget Cover is not available.

Columbus Direct actually offers a number of different travel insurance plans. Below we have focused on 1 of these and have set out the coverage amounts for the Globetrotter plan.

• Emergency Accident & Sickness Medical Expenses – $1,000,000
• Baggage and Personal Property – $750
• Emergency Evacuation and Repatriation – $1,000,000
• Non-Medical Emergency Evacuation – $0
• Trip Cancellation -$1,000
• Trip Interruption (“Catastophe”) – $750

If you need more information or want to get a quote, then you can visit the website for yourself.

Iati Seguros

Iati Seguros is a Spanish based travel insurance company who we have personally used and loved. You will notice that they provide competitive cover amounts for the key travel insurance areas, and are competitively priced. So far we have heard nothing, but good things about them.

They also offer multiple ones, but we have focused on the Standard Plan although we wholly encourage checking out all plans for yourself to identify the best one for your needs.

Standard Plan

• Emergency Accident & Sickness Medical Expenses – $200,000
• Baggage and Personal Property – $1000
• Emergency Evacuation and Repatriation – 100% of cost
• Trip Cancellation -$1,500
• Trip Interruption – 100% of cost

Insure My Equipment

Insuremyequipment.com does precisely what the name suggests. They are an online insurer for expensive equipment (like camera gear & gold clubs). You can use them to get specific pieces of gear insured but please bear in mind this policy is only for your specified gear.

An Insure My Equipment policy works well in combination with other travel insurance. Insure My Equipment policies are an excellent choice for professionals and backpackers with more $0000’s worth of camera equipment, expensive laptops, or fishing rods.

I also know a few travelling musicians and DJs who use these guys so you are in cool company.

Choosing the right travel insurance for your Japan holiday is like choosing a pair of hiking boots – it’s something only you can do by looking at your budget, your needs, and looking at what feels right for you.

You need to work out how much your trip is worth, how much equipment you plan to take and what activities you intend to engage in.

Naturally, you should evaluate your budget – considering both what you’re willing to spend on coverage and what you can bear to lose if you need to file a claim.

At times, a cost-effective backpacker insurance in Japan may suffice, while in other instances, investing a tad more could be beneficial.

If the insights in this article don’t guide your decision, then my efforts over the past 5 hours might’ve been in vain!

Japan is undeniably a traveler’s delight. But, as with any trip, it’s always wise to be prepared for the unexpected. And, investing in comprehensive travel insurance for Japan allows you to enjoy every moment, knowing you’re covered for unforeseen events.

The Japan travel insurers we mentioned here are just a small selection of the many available. Hopefully one of them answers your needs but if not there are others out there.

We hope you found this Japan travel insurance guide helpful. If so please let us know by leaving a comment below.

Aiden Freeborn

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Travel Insurance for Japan

Travel Team | May 10, 2024

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From the buzz of city life in Tokyo to the majestic views of Mount Fiji, there are many amazing places to visit in Japan. But before you book your trip, you’ll want to consider travel insurance options and learn more about what to expect when visiting Japan.

In this article, we’ll take a closer look at options for travel insurance, requirements for traveling to Japan, and offer destination-specific travel tips so you can make the most of your trip.

Do I Need Travel Insurance for Japan?

Travel insurance is not required to visit Japan. However, it’s still a smart idea to have in case of trip cancellation, lost luggage or medical emergency.

Should You Buy Travel Insurance for Japan?

Whether traveling to Japan or any other international destination, travel insurance is always recommended. Your domestic health insurance often does not cover you in another country. That means that if you get sick or hurt during your trip in Japan, you could have costly medical bills to pay out of pocket. Plus, you never know when an unexpected event could put the money you spent for your trip — from flights and hotels to shrine tours and sumo wrestling tickets — at risk.

Japan Travel Insurance Coverage Options

Seven Corners offers several plans that can be customized to meet your needs, whether you’re traveling internationally or in your own country. Coverage options can differ depending on the plan, specific benefits and add-ons you choose, and your state or country of residency. The travel insurance benefits below can be found in many of Seven Corners’ plans. Consider all of your options to best protect your trip to Japan.

Trip Cancellation

Seven Corners can reimburse you for the prepaid, nonrefundable trip expenses you insured if you have to cancel your trip for a covered reason. Covered reasons vary by plan, but they can include triggers such as an illness that prevents you from traveling or inclement weather, like a hurricane.

For the flexibility to cancel your trip for any reason, not just those listed in your plan document, consider adding optional Cancel for Any Reason (CFAR) coverage

Trip Interruption

An interruption often means you ended your trip and returned home early, but it can also include needing to start your trip late. Trip interruption benefits can reimburse you for the prepaid, nonrefundable trip expenses you didn’t use if you must interrupt your trip for a covered reason. They can also cover transportation expenses resulting from a covered trip interruption.

For more flexibility to interrupt your trip and still be reimbursed, consider adding optional Interruption for Any Reason (IFAR) coverage . This allows you to interrupt your trip for any reason, such as not feeling safe at your destination or simply changing your mind about travel, not just the covered reasons listed in your plan document.

This benefit can cover expenses resulting from a delay, whether you’re en route to Japan, returning home, or even in the middle of your trip. To be reimbursed, the trip delay must be caused by a covered reason, such as a flight delay lasting the required amount of time.

Lost or Delayed Baggage

If you’re on your way to Japan and your baggage is delayed by your airline or other common carrier, Seven Corners will reimburse you to replace necessary personal belongings. Necessary personal items include things like clothing or toiletries — the things you need most so you can continue on your trip.

If your baggage is lost, delayed, damaged, or stolen during your trip, your travel insurance could pay to replace or repair the insured items.

There are some requirements and exclusions for both lost and delayed baggage. These include items such as laptops and jewelry, which may not be covered. Your luggage also must be delayed for the length of time stated in the plan before you are eligible for reimbursement.

• Travel Medical

Travel medical insurance can cover expenses for medical treatment if you get sick or hurt during your trip. This is particularly important when your domestic health insurance does not provide coverage overseas.

Seven Corners Trip Protection plans for U.S. residents provide coverage for Emergency Accident and Sickness as well as Emergency Dental expenses. Seven Corners also provides travel medical plans. This robust medical coverage is available to both U.S. and international residents.

Emergency Medical Evacuation and Repatriation

Sometimes adequate medical care is not available at your destination. If you get sick or injured during your trip to Japan and transferring you to another facility is deemed medically necessary, Seven Corners will pay for and arrange an emergency medical evacuation. We will also arrange your return home where you can continue your recovery.

Accidental Death and Dismemberment

This Seven Corners benefit provides coverage for loss of life or limb resulting from an injury caused by an accident during your trip to Italy.

What Is The Best Travel Insurance for Japan?

Seven Corners Trip Protection is our most popular plan for U.S. residents traveling to Japan. With this plan, you’ll find coverage to protect your trip expenses, belongings, and emergency medical expenses. We also offer an annual trip protection plan for multiple trips, perfect for frequent travelers to Japan or anywhere else in the world.

Seven Corners Travel Medical Insurance provides great levels of confidence for U.S. and non-U.S. residents traveling to Japan. These plans offer robust coverage for medical expenses if you become ill or injured during your trip. You want to be able to get the care you need without having to worry about how you’ll pay for it, and travel insurance can help you do that.

Finding the best travel insurance for your special trip to Japan is easy. Answer a few simple questions on our interactive guide and we’ll show you the best options for you and your trip. The quick quote you get is hassle-free and there’s no commitment on your part. If you have questions or need additional support, you can also contact our licensed agents . We’re ready to help you choose the best travel insurance for a vacation to Japan.

How Much Does Travel Insurance to Japan Cost?

The cost of travel insurance varies by plan as well as a number of other factors. For trip protection plans, the cost is based on your trip expenses and is generally 4-10% of your total insurable trip cost. See how to calculate your trip cost and make sure you have the right amount of coverage. 

The cost of a travel medical plan is based on:

• The plan you choose
• The length of your trip
• Medical maximum, deductible, and other add-ons you select when customizing your plan

Get a quick quote when you answer a few simple questions about your trip to Japan and see what kind of coverage could be best for you.

Travel Requirements for Japan

Before heading off on your vacation to Japan, it’s important to consider what travel documents and requirements your destination has. Let’s take a closer look at what you’ll need when traveling to Japan.

Visa Requirements for Japan

If you have a United States passport you do not need a visa to visit Japan as long as your trip is shorter than 90 days.

There are many countries whose residents are exempt from needing a visa for a short-term visit to Japan. Check out the full list here .

If you plan to stay longer than 90 days, learn more about the procedures for long-term stays here .

Documents and Forms

You’ll need to bring your passport when traveling to Japan. Be sure to carry your passport at all times during your trip, as it’s a legal requirement, and you may be asked to show identification. It’s also important to ensure your passport is valid for the duration of your stay.

Public Health Requirements

As of January 19, 2024, there are no COVID-19 restrictions in place when traveling to Japan.

You won’t need to provide a negative COVID test or proof of vaccination to enter the country.

However, the Centers for Disease Control recommends getting up to date on COVID-19 vaccines before traveling and wearing a mask in crowded places on your trip.

Bringing Medication into Japan

It’s important to note that many common medications in the United States, including Tylenol, Nyquil, and Advil Cold & Sinus, are illegal in Japan. There are limits to the amount of medication and medical devices you’re allowed to bring in.

If you have to exceed these limits, you’ll need to obtain a “Yunyu Kakunin-sho” (importation certificate). You can apply for your certificate online .

Travel tip: Start the process of applying for your Yunyu Kakunin-sho early, as it may take several weeks to process.

Travel Information & Safety Tips for Japan

Want to learn about the weather at your destination? Looking for more info on transportation? Check out these travel and safety tips for a deep dive into what you can expect on your trip to Japan.

Is Japan safe to visit?

Japan is generally a safe place to visit. . Crime is low, but pickpocketing does happen in crowded areas like public transport or tourist attractions. Always be aware of your surroundings when traveling in public, and make sure your valuables are secure.

Be especially cautious if you plan to visit entertainment or nightlife districts like Shibuya, Roppongi, Kabuki-cho, or Ikebukuro. These areas have instances of drink-spiking, assault and robbery.

If you’re a United States citizen traveling to Japan, you can enroll in the free Smart Traveler Enrollment Program (STEP) as an additional safety precaution. Through the program, you’ll get up-to-date information about safety precautions in your destination country. It will also help the U.S. Embassy and your friends and family contact you in case of an emergency.

Travel tip: If you need emergency services in Japan, dial 110 for police and 119 for fire truck or ambulance.

What languages are spoken in Japan?

The vast majority of the population (99.2%) speak Japanese as their first language. Korean is the next most popular language, spoken by 0.5% of the population, followed by Chinese at 0.2%. People in large cities may speak English, but it’s not considered common. Japan is ranked 87th in English proficiency out of 113 countries.

What currency is used in Japan?

The currency in Japan is the Japanese Yen. As of January 19, 2024, one United States dollar is equal to 148 Japanese Yen.

For the most current currency rate, check out this currency exchange tool .

What is the weather like in Japan?

In the spring, Japan is moderate to cool, with temperatures averaging in the mid-seventies in most places. It is one of the most popular times to visit Japan, as the cherry blossoms bloom. Cherry blossoms tend to peak around late March to early April.

Summer in Japan starts with a rainy season in June, followed by hot and humid months in July and August. There are many nice beaches in Japan where you can cool off with swimming or snorkeling. Popular spots include Kotohiki in Kyoto and Kamakura.

In the fall, temperatures dip, and leaves change in Japan. Temperatures can range from 40s to 70s. Fall is a great time to head to the countryside to experience nature and autumn foliage. 

Winter in Japan is dry and cold. Pack a thick coat, as temperatures can drop into the 20s. Skiing is a popular winter activity, especially in areas like Hakuba, Nagano, Niseko, and Hokkaido.

Food and Water Safety in Japan

Feel free to drink tap water anywhere in Japan. Many metro stations have water stations, so if you carry a reusable water bottle, you’ll be able to fill it up on the go. It’s generally safe to eat produce from local markets as well. 

There are many outdoor markets across Japan offering a wide range of foods. Check them out here .

Food Etiquette in Japan

In Japan, chopsticks are the most common eating utensil. It’s important to know how to use them properly when dining out at a Japanese restaurant. Here are the do’s and don’ts of using chopsticks:

• Use the provided chopstick rests
• Place food from shared bowls on your own plate before putting it in your mouth
• Pick up small bowls or plates and bring them closer to your mouth while eating

Don’t

• Use one chopstick in each hand
• Lick or chew on chopsticks
• Stab food to pick it up
• Point at someone with your chopsticks
• Use chopsticks to grab a bowl or shift it toward yourself

Transportation

Japan has an efficient, punctual public transportation system. Japan’s four main islands are covered by an extensive railway network that you can use to move between major cities.

If you plan to move between cities a lot during your trip,  consider purchasing a Japan Rail Pass . This pass allows for unlimited train rides for 1, 2, or 3 weeks.

Do I need a power adapter for my electronics?

Japan uses Type A and Type B power sockets, the same as those used in the United States. However, type B is not as common.

If you’re traveling with Type A two-pronged electronics, you shouldn’t need an adapter. If you’re traveling with Type B three-pronged electronics, it’s a good idea to have an adapter with a two-prong plug.

U.S. Embassy and Consulate Information for Japan

Before traveling to Japan, you should know the location of the nearest Embassy or Consulate to where you’re staying. Here’s a full list of Embassy and Consulate locations.

U.S. Embassy in Tokyo:

1-10-5 Akasaka

Minato-ku, Tokyo 107-8420 Japan

U.S. Consulate in Naha:

2-1-1 Toyama,

Urasoe City, Okinawa 901-2104

U.S. Consulate in Osaka:

2-11-5, Nishitenma,

Kita-ku, Osaka 530-8543

U.S. Consulate in Sapporo:

Kita 1-jo Nishi 28-chome, Chuo-ku,

Sapporo 064-0821, Japan

U.S. Consulate in Fukuoka:

5-26 Ohori 2-chome, Chuo-ku,

Fukuoka 810-0052

U.S. Consulate in Nagoya:

Nagoya International Center Bldg. 6F

1-47-1 Nagono, Nakamura-ku, Nagoya 450-0001

Contact Seven Corners about Travel Insurance for Japan

Finding the best travel insurance doesn’t have to be hard. For more than 30 years, Seven Corners has been helping travelers to Japan choose the right plan so they can explore more confidently. Get a quick, hassle-free quote online or chat with a licensed Seven Corners agent . We’ll answer all your questions and help you customize your coverage for your next Japanese adventure.

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For your holidays in Japan and abroad

Japan readily becomes a top tourist destination with its rich history, exciting culture, delectable food, and diverse landscape. According to estimates, about 30 million tourists visit this East Asian country every year. It was also ranked as the number one tourist destination in the world on the Travel and Tourism Development Index 2021 of the World Economic Forum. If you plan to visit Japan to have the many unique experiences it is known to offer, you would want to know if the country requires international travelers to carry insurance. Read on to know all about Japan’s travel insurance requirements.

Does Japan Require Travel Insurance?

US citizens do not need travel insurance for Japan, as it is only a requirement for travelers who need a visa for Japan. US citizens are exempted from the visa for short-term stays in Japan, up to 90 days. However, getting a travel insurance policy is encouraged as a travel insurance policy will come in handy in any unforeseen situation. The US Department of Health also strongly encourages carrying supplemental insurance that covers medical treatments and evacuation.

One primary reason why it is encouraged that you take travel insurance for Japan is that the country’s medical system requires foreigners to show proof of funds to cover their entire cost of treatment before providing any medical services. You don’t want to be in a situation where you’re denied medical care because you cannot prove your ability to pay. Therefore, it’s best to carry travel insurance for Japan with adequate medical coverage.  

Japan Travel Insurance FAQs

What documents do i need to travel to japan.

American citizens traveling to Japan require a passport valid for the intended duration of the stay and at least one blank page. You may also be required to show proof of COVID-19 vaccination.  

Does Japan require International Medical Coverage?

Japan does not require international medical coverage, but it is highly encouraged that tourists carry one to pay for any medical emergency.  

What vaccinations are required to visit Japan?

You may only be asked to show proof of COVID-19 vaccination, but the CDC suggests getting the following vaccines as well before traveling to Japan:  

• Hepatitis A and B
• Japanese Encephalitis
• Tick-borne Encephalitis
• Routine Vaccines – Chickenpox, MMR, Flu, Polio, Shingles, and Diphtheria-Tetanus-Pertussis

Why choose AXA Travel Insurance for Japan?

AXA travel insurance is the most complete travel coverage you could get. The plans include an extensive range for trip cancellation, travel interruption, baggage loss, emergency medical treatment and evacuation, and much more. Contact us to learn more and find the best travel insurance for your Japan visit.  

What are the neighboring countries of Japan?

Japan is an island nation, so it doesn’t share land borders with any country. However, it does share maritime borders with several countries in the east. These include:  

• South Korea
• North Korea
• The Philippines

What is the best time of year to visit Japan?

The best time of the year to travel to Japan is between March and May to witness the gorgeous cherry blossoms. However, it is also the peak tourist season, so be prepared for large crowds. September to November is also an excellent time to visit Japan weather-wise.  

What is the local currency of Japan and its exchange rate for USD?

The currency of Japan is the Japanese Yen, and its current exchange rate for USD is 1 Japanese Yen = 0.0075 USD.  

Are credit cards widely accepted in Japan? If yes, which ones?

Even though the prevalent form of payment is still cash in Japan, credit cards are generally accepted in most places. Visa and MasterCard are Japan's two most widely accepted international credit cards. Some areas may also take American Express cards, but some may deny them due to their high merchant fees.

What local customs and cultural norms tourists visiting Japan should be aware of?

Japanese are known for their strong cultural values and firm adherence to traditions. Here are some of the things tourists visiting Japan should be careful of to avoid hurting the locals’ sentiments:  

• Japanese do not tip. In some places, tipping may even be considered rude or insulting.
• Avoid talking loudly on public transport.
• Dress modestly and be respectful in temples and shrines. Also, avoid talking loudly.
• Littering is an offense in Japan.
• Eating or drinking on the subway or while walking is considered rude.
• It’s considered rude to bring dirt to someone’s house. So, if you’re invited to a local’s house, you should take off your shoes at the door and wear guest slippers.

AXA already looks after millions of people around the world

With our travel insurance we can take great care of you too

Japan Travel Insurance: What to Do After an Injury or Getting Covid-19

Due to the spread of Covid-19, Japan restricted its number of visitors and only accepted tourists traveling in groups. However, restrictions were lifted in October 2022 for the first time in two and a half years! The number of foreign visitors to Japan, which has declined significantly, is expected to increase due to the depreciation of the yen. Even before the spread of Covid-19, the Japan Tourism Agency encouraged foreign visitors to purchase overseas travel insurance for unexpected injury or illness. Here, we will introduce insurance options for foreign visitors to Japan that will leave you prepared for such events! We have also included a guide on what to do if you catch Covid-19 during your travels.

1. Should I get Japan travel insurance? Why?

2. overseas travel insurance for foreign visitors to japan.

1 in 20 people will be sick or injured while traveling to Japan According to the Japan Tourism Agency’s (JTA) “Actual Survey on Medical Care of Foreign Travelers Visiting Japan,” 45% experienced illness or injury while traveling in Japan. Additionally, 73.7% of respondents had travel insurance to cover medical expenses in the event of an unexpected injury or illness. Even if you aren’t experiencing more obvious symptoms, it’s not uncommon to feel unwell while traveling due to climate differences and fatigue. Japan also experiences many natural disasters, and in the event of a major disaster, travelers will be affected. Here are some other factors to consider when dealing with illness or injury. ・Medical attention can be expensive As non-residents of Japan, tourists must pay the total cost of treatment at a Japanese medical institution, which can be expensive. Reportedly, heatstroke treatment, common during the summer , can cost hundreds of thousands of yen, while treating broken bones can cost several million. Overseas travel insurance can compensate for these costs. If you have coverage, you can be reimbursed for treatment costs and drug charges, and, depending on the product, you may not even need to pay cash. ・Problems dealing with illness and injury to foreigners When travelers get sick or injured, they often rely on hotels or travel agencies for assistance. According to the JTA survey, about half of the travel agencies and accommodations reported that foreign tourists had been sick or injured during their stay. Some of the most common issues facing travel agencies and lodging facilities are “I don’t know which medical facility can accommodate foreigners” and “I don’t have sufficient communicative or interpretation abilities to handle the situation.” Overseas travel insurance can also address these issues. By providing information on medical facilities that accept foreigners and offering interpreting services, care can be given more smoothly. ・Be prepared for emergencies with travel insurance About 30% of overseas tourists visiting Japan do not have insurance that covers medical expenses. Being unable to communicate in a country you are not used to can add to your stress and compound the emergency itself. Travel insurance will help you get medical care, and depending on the service, you can get interpretation services and support in returning home, if needed. With overseas travel insurance as a precaution, you can fully enjoy the comfort of safe traveling.

Overseas travel insurance for foreign visitors to Japan compensates for the expenses incurred when a foreign tourist is ill or injured in Japan. Generally, Japan travel insurance would be purchased in one’s home country before traveling. Since it is often connected to their home country’s insurance system, complications may arise when using it in Japanese medical institutions due to different settlement methods, etc. Fortunately, Japanese insurance companies offer alternatives. Insurance policies for individual travelers or hotels and travel agencies are available. Here are some of the insurance products available for individual travelers: ・Japan travel insurance for individuals offered by the Japan Tourism Agency Two types of overseas travel insurance offered by the JTA are Tokio Marine & Nichido’s overseas travel insurance for foreign visitors to Japan and Sompo Japan Nipponkoa’s travel insurance for Japan (individual contracts are no longer available as of October 2022). Both policies can be purchased after arriving in Japan. When in need, by contacting the call center, you will be directed to an appropriate medical facility. If you visit one of their partner medical institutions, the insurance company will pay the medical institution directly and receive medical care without having to pay in cash. You can rest assured that communication with the doctor and translation, an issue in many medical settings, can be handled over the phone. On-site interpreters can also be arranged, and compensation for the expense will be covered.

・Check policy information Japan travel insurance for foreign visitors to Japan is for those who have a short stay of 30 days or less. If you plan to stay for more than 31 days, you purchase this type of policy. People with chronic illnesses or who plan to participate in dangerous sports or activities (hang gliding, skydiving, mountain climbing, using power tools, etc.) are also unable to receive coverage. ・Online registration - within 30 days of your trip In the case of Tokio Marine & Nichido, you can apply online any time from 30 days before entry into Japan to the 4th day after entry. For Sompo Japan Nipponkoa application must take place within 30 days after entry, but not before. Premiums vary, but for Tokio Marine & Nichido, enrollment periods and their corresponding premiums can range from 1 to 31 days of coverage. For Sompo Japan Nipponkoa policies and premiums are offered in 10-day packages. Both policies may be paid for by credit card only. ・Different from credit card travel insurance Some credit cards offer insurance that covers medical expenses due to injury or illness when traveling abroad. Medical expenses may be covered, but there is no interpretation support or introduction to appropriate medical institutions. Additionally, travel insurance attached to credit cards often needs to be reimbursed immediately, so you may have problems if you have insufficient funds. Overseas travel insurance for foreign visitors to Japan is safer because it includes an interpretation service and cashless treatment. * Depending on the region, it may not be possible to arrange a medical institution that can offer the treatment without cash. * Some expenses, such as drug fees, may not be cashless. ・Are lost or damaged items or souvenirs covered? Some common overseas travel insurance covers the loss of carry-on items and damage to items purchased locally. Overseas travel insurance for foreign visitors to Japan does not cover these because it is mainly for medical expenses. However, depending on the product, you may receive a service that will assist you if you lose your passport or credit card. ・What happens if I get Covid in Japan? In the case of the “Tokio Marine & Nichido’s overseas travel insurance for foreign visitors to Japan,” the same rule applies for Covid-19 as it does with all other illnesses, and medical expenses during the insurance coverage period will be covered by the insurance company when deemed appropriate. However, when it comes to getting a doctor’s diagnosis or being hospitalized, each insurance company has a different coverage plan, so be sure to check what’s included (whether multilingual support is available depends on the insurance agency). Also, please check whether your insurance covers the cost of a cab to the hospital or stays at a recovery facility, as this can differ depending on the agency. It’s recommended to check in advance whether the insurance in your home country covers any expenses.

Japan travel insurance for foreign visitors covers the cost of treatment during overseas travel. A key feature is that it can be purchased even after entering Japan. Conditions and compensation details will vary depending on the policy, so check carefully before joining. Also, deciding which policy you want before leaving your country is best, and then subscribe upon entering Japan. * This article's information was updated in October 2022 from its original posting in July 2019. * Information is subject to change. We recommend that you check it in advance. Please note that we will not be able to compensate for damages caused by the content posted.

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Guide to Travel Insurance

Get the best protection while you're in japan.

Whether you’re traveling abroad for the first time or the tenth time, it can be an unsure experience when it comes to your health. Especially in recent times, people are learning how important it is to have the proper travel health insurance for those times you find yourself injured or under the weather in a foreign country.

Benefits for Japan visitors

From lost luggage to typhoons, there’s plenty to worry about on a trip to Japan. And there’s also plenty to look forward to. So much so that you might overlook something as basic and granted as your health. And while out-of-pocket charges in Japan tend to run cheaper than in the USA (think Canada costs), you might still want to consider travel insurance as a necessity.

Japan enjoys many over-the-counter medicines that other countries do (albeit under different names), so you should be able to find allergy or cold medicine rather easily. But what if it’s something more serious? Developments like the sudden outbreak of COVID-19 had many visitors worried about traveling. Not to mention hospitalization costs add up quickly. Travel insurance can really save your wallet in the long run.

Protection from natural disasters

While health concerns may be the primary reason to invest in travel insurance there are plenty of other reasons to consider it. It’s true that Japan has a very low crime rate and that pocketed wallets aren’t going to be a huge worry—in fact, many people leave their purses and bags on chairs at cafes to “reserve” their seats—but what Japan lacks in crime; nature makes up for.

Typhoon season , in particular, can put a spanner in the works regarding travel plans. With every year seeing the season begin earlier and end later; you can expect train and flight delays, flash flooding, and canceled tours. Typically, typhoon season starts around August and goes on until October, which is also when some truly spectacular festivals are held. The ever-unpredictable earthquakes can also be a source of worry and fear for people unused to them.

This isn’t to say that you have to invest in travel insurance. Ultimately, that decision is up to you and should be based on a number of factors.

Finding an insurance plan

Travel insurance plans come in all shapes in sizes and there is no one-size-fits-all plan. However, you’ll definitely want one that covers the basics at least.

• Valid in Japan : That is the most basic of basic and there aren’t any major plans that exclude Japan.
• Cancellation coverage : You want to make sure that the plan covers any canceled reservations and plane tickets.
• Full medical coverage : Your plan should cover all necessary medical expenses including in and outpatient procedures, ambulance rides, and even evacuation needs if you require being flown back to your home country.
• Gear or luggage coverage : Just because theft is rare in Japan doesn’t mean that it’s nonexistent. And if you’re traveling with expensive gear such as cameras or sports equipment, you’ll want to make sure that it’s insured.
• Dangerous activity coverage : If you’re planning on doing some extreme sports while in Japan, you’ll definitely need this coverage as most average plans don’t cover scuba diving, skiing, or other sports injuries.
• Proof of insurance : In our world of electronic documents, it may seem enough to have an email confirmation or picture of insurance. But you’ll need a hard copy or printed document showing that you have proof of insurance or risk being turned away when you ask for help.

Travel insurance providers

No matter where you’re from, these three travel insurance providers are bound to have coverage for you:

Atlas Travel Insurance

Atlas Travel Insurance covers all the basics and provides assurance that you’re being looked out for. Travel with peace of mind with dental and health insurance as well as evacuation coverage in the case that you need to return to your home country for treatment. It also covers lost luggage.

Safety Wing

You can get Safety Wing medical coverage even if your journey has already begun. Not to mention, you can get coverage for the whole family, children included. Safety Wing includes unforeseen troubles like travel delay, lost checked luggage, natural disasters, and more.

World Nomads

World Nomads insurance is tailored for the thrill-seekers and adventurers of the world. Those who enjoy extreme sports and more daring experiences might do well to look into the coverage offered by World Nomads. It also does more than cover your health, it also takes care of your gear and luggage.

• Essential Guides

Serena Ogawa @serena.ogawa

Associate Editor for Japan Travel.

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