travel insurance for japanese residents

• Tokyo Cheapo (繁體中文)

Choosing Travel Insurance for Japan

Here’s what you need to know about travel insurance for Japan, with an overview of some of the options available.

Summary: It isn’t mandatory to have travel insurance before coming to Japan, but experts recommend it. Uninsured healthcare in Japan can be expensive, and the healthcare system can be hard to navigate. Also, Japan is prone to earthquakes and typhoons, and no matter how careful you are, accidents can happen. One option is SafetyWing , which offers travel medical insurance starting from US$ 56.08 for four weeks.

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.

Insurance providers at a glance

Do i need travel insurance for japan.

To put it simply: When you’re traveling — anywhere in the world — a lot could go wrong. Apart from the obvious travel disasters (think lost luggage, stolen 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.

Safety in Japan

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.

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 .

Delayed flights, lost luggage — and missed tours

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.

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 and other health concerns

The pandemic made many of us nervous about international travel. Since restrictions have mostly been lifted, you don’t need to worry too much about it affecting your travel anymore. That being said, it’s still a good idea to check whether your plan will cover any potential COVID-19 related expenses. Not all do!

Japanese encephalitis

An older concern is Japanese encephalitis, which can be contracted via mosquito bites across most of Asia — not only in Japan. You might hear about it in travel forums. 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 for Japan: What should your policy cover?

Generally speaking, the biggest items when it comes to travel incidents are medical expenses, sudden cancellations due to pre-departure illness, and emergency evacuations, which can run into the tens and even hundreds of thousands of dollars. So check that the Japan travel 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 extensive 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.

SafetyWing offers travel medical insurance. Plans start from US$ 56.08 for four weeks for travelers under 40, and go up with your age.

You can extend your plan 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. You can also kick off your SafetyWing travel medical insurance plan any time, even when already on the road .

Besides emergency medical, their policy covers the travel basics, including trip interruption, personal liability and lost luggage. SafetyWing also covers COVID-19 and unplanned quarantine.

Travelex has been around for quite a while, and is a popular choice with North Americans. They have a good reputation and a range of travel insurance plans , which are customizable with “upgrades”. Notably, their Travel Select plan has kids-included pricing for children 17 and under, making it one for families to consider.

It’s important to note that their Travel Basic and Travel Select plans — which are classified as comprehensive — must be purchased no later than the day prior to departure. Their Travel Med plan can be purchased after departure, but provides less coverage. They also offer simple “Flight plans”. COVID-19 is treated like any other illness.

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. A fairly new insurer, they are expanding throughout Asia and seem to offer some of the cheapest plans we could find online, starting from approximately ¥ 1,700 for a single trip to Japan.

Their plan ticks all the usual travel insurance boxes, including medical evacuation cover, which is unlimited. They have a “Cancel for any reason” feature, which covers you for canceling, postponing or cutting short a trip. You can add COVID-19 cover to your policy, too.

Atlas Travel (World Trips)

Starting at approximately US$ 15.00 for a two-week trip to Japan, Atlas International Travel Medical Insurance 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.

You can extend or renew your policy for up to 364 days, making it an option for longer-term travel. COVID-19 is covered. Note that Atlas is part of the World Trips portfolio.

AIG Travel Guard

AIG Travel Guard insurance gives customers the ability to adapt their plan to their needs. Offering four tiers of cover, you can choose whether you want ironclad protection, incidental cover, or something in between.

The second tier, Essential Cover, starts at US$ 56.08 for a week-long trip, and is fairly rugged. It offers a healthy amount of medical cover, and also covers travel issues like delays or cancellations. COVID-19 coverage is possible.

For remote workers: Insured Nomads

For longer stays, it’s worth looking into “digital nomad insurance”. This insurance is specifically aimed at visitors staying in Japan for several months and working remotely. One provider is Insured Nomads , who offer coverage for up to a year.

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:

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.

Japan travel insurance FAQs

What happens if i get sick as a tourist in japan.

You’ll probably want to visit one of the English-speaking clinics in Tokyo . If at all possible, first check your travel insurance provider’s policy on where you can go, and what paperwork you’ll need to get.

Once you’re there, you’ll be asked for your insurance details, so make sure you have them with you. Then you’ll get to see the doctor, and explain what you need. If there is no English-speaking doctor available, refer to our guide to getting the important details across in Japanese .

If it’s a minor problem, they’ll likely send you on your way with a prescription, which you can pick up at a local pharmacy. Keep your insurance handy, as the pharmacy may ask for it as well. If it’s something more serious, the doctor may run some tests, or refer you to a larger hospital with specialists.

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 — and which policy you choose. 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 US$ 56.26 . 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 May, 2024, by Shyam Bhardwa.

• Health insurance
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• Travel insurance

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Frequently asked questions about TOKIO OMOTENASHI POLICY

Frequently asked questions about TOKIO OMOTENASHI POLICY, the insurance policy for your stay in Japan for up to 31 days.　It is so-called Q&A.

Probably more than 90% of your questions will be answered if you read this page properly, so please check here first.

What kind of insurance is TOKIO OMOTENASHI POLICY?

When it comes to explaining insurance, you have to tell them exactly what they need to know.　The reality is that the customer has to read a lot of text because each insurance company instructs the customer to do so.

Before going into the FAQ, let me give you a brief explanation of TOKIO OMOTENASHI POLICY.　Please make sure to check the “Explanation of Important Matters” on the application screen before applying for a policy.

First of all, to briefly explain the most commonly purchased auto insurance in the world, it is “insurance that covers the medical expenses of the other party, yourself and your passengers, or the repair costs of your car in the event of an accident while driving a car “.　　 > For more details, click here. <

Since auto accidents often involve the other party, the coverage is wide-ranging because you will need to pay not only for yourself and your passengers, but also for medical treatment and car repairs to the other party.

Then, TOKIO OMOTENASHI POLICY is “an insurance policy for non-residents of Japan that specializes in and lowers the cost of medical treatment for unpredictable and sudden illness or injury during your stay in Japan .

Free WIFI and other incidental services are also available, but I think it is safe to say that they are just an added bonus.

About application

For questions about the application screen or problems with the process, click here.

Please note the device’s browser

If you are applying on a computer, you can use Microsoft Edge or chrome latest version Please apply with the latest version of Microsoft Edge or chrome.

If you are applying with a smartphone or tablet android 4.4 or later with the latest version of chrome or iOS 8.4 or later with the latest version of safari Please use the latest version of Safari on iOS 8.4 or later.

If you use a browser other than those listed above, an error may occur and you may not be able to complete the application. Firefox is not available.

Also, free WIFI may cause errors for security reasons.

The “Description of important matters” page of the PDF page required for the procedure keeps showing “in communication” and will not open. I think there must be some error on your end because I have no problem with the internet environment, but I cannot apply.

There may be a problem with the communication environment, or many people may be applying at the same time.　Please try a better location with a better communication environment, and try a different time.

Why doesn’t the screen advance?

I think it may be due to some kind of input error.

Please click here for a detailed explanation.

TOKIO OMOTENASHI POLICYの、操作画面を事前に見てみたい方へ

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I will be in Japan for 35 days.

You may enroll, but please understand that illness or injury outside the policy period will not be covered.

I entered Japan yesterday, but I get an error message saying that I cannot apply from outside the country.

We do not know what kind of internet connection you are using.　(It is also possible that the phone itself is not switching WIFI lines: ….)

We are aware that the Internet line currently in use is outside Japan, so please try a different Internet line.

In some cases, free WIFI cannot be contracted due to security reasons.

Can others apply?

Please check the ↓.

Can I join with someone else’s credit card?

Basically, the application screen asks you to apply with your own credit card or a family member’s credit card.

How many relatives are in your family? and “Can I use my card?” We are unable to answer questions such as “How many relatives do you have?

Please proceed through the application process and try it yourself. (If you receive an email confirming the completion of the insurance policy without any problems, it means you have successfully used the policy.)

Note: If you have free WIFI or poor internet connection, access to your credit card company may be denied.　Please note that in some cases, the error may be due to the internet connection, not the type of card.

My credit card has been charged, but I have not received a completion e-mail.

If you do not receive a completion email, you are not insured.

It appears that an error occurred on the payment screen.

I do not know if you are able to join?

Please check here.

TOKIO OMOTENASHI POLICY 加入できたのか分からない方へ

If you have applied for 3 people, or if you have applied for multiple people but only received completion emails for 2 people, etc., please log in and check to see if you have been properly subscribed.

The card is being charged even though it is not insured.

It appears on my credit card statement list now, but will disappear in a few days.

The insurance company will not charge the credit card company and the customer will not be debited.

To date, there have been no cases of uninsured persons being debited.

Illness and Injury

Apart from the application process, the most frequently asked question is, “Can I use my insurance to cover this illness?” This is a common question other than the application procedure.

Some of you are thinking, “Well, maybe I should get insurance, that would be a good deal!　but it is not a good deal.

Can I use my insurance for this disease?　Basically, we get a lot of questions such as only covered for unpredictable illnesses and injuries. Please think of it as a “one-size-fits-all” policy.

A few people have asked the following questions, which we are unable to respond to.

• Can I use my insurance for a medical checkup when I return home?”
• I am pregnant and plan to return home temporarily to have the baby.
• I’m not feeling well and would like to have a checkup during my furlough.

The above examples are matters that can be predicted in advance or things you want to do and this insurance is not available.

Examples of frequently asked questions that are not covered by insurance

Health checkups and physical examinations in Japan (examination fees) including ophthalmology, etc.

I would like to be examined by a dentist.

All symptoms related to pregnancy.

Already in poor health (already sick)

Pre-existing medical conditions. (Exacerbation of a long-standing medical condition)

and others.

This type of insurance basically covers “unpredictable and sudden illness or injury.

For example.

• Suddenly I have a stomach ache!”
• ‘I had no problems yesterday, but suddenly I have a fever!’
• Sudden fever of a child!”
• ‘Suddenly I started coughing and it won’t stop!’
• Suddenly I started getting chills!”
• I fell while jogging and scraped myself!”
• “Broken bones while skiing!”

The performance of this insurance policy comes into play in cases like the following.　This is a case that can happen to anyone, but it is a sudden illness or injury that cannot be predicted.

If you still do not understand what you have read so far, please contact your insurance company directly.　Please contact the insurance company directly.

Inquiries can only be made by e-mail.

Click here↓↓↓ >> mail (usu. in phrases like “e-mail”, “text message”, etc.) <<

Other questions

Here is a collection of other questions

I had to change my flight due to illness, can I use my insurance to pay for it?

This insurance does not provide such coverage.

If I get coronavirus, will my hotel bill be covered?

It depends on the response of the municipality and the government at the time, but if it is for treatment purposes, it is covered.

However, not all hotels are paid for in all cases.

Where is this insurance covered from?

Covered within the policy period in Japan.

From the moment you leave the country, insurance is not available.

After enrollment, can I make inquiries to the insurance company in Japanese?

No problem.

I am a Japanese living abroad and have no health insurance.

TOKIO OMOTENASHI POLICY is an insurance policy for such people.

Any nationality is welcome, so don’t worry about what nationality you are.

Where is the designated hospital located?

There are no designated hospitals in Japan.

If you contact your insurance company before going to the hospital, you will be able to use the cashless service.

Please note that cashless service may not be available at some hospitals. (For more information, please check with your operator via the application.)

Can I use cashless at any hospital?

The insurance company will contact the hospital and if the hospital is OK, cashless can be used at any hospital.

How can I use cashless?

Once you have subscribed to TOKIO OMOTENASHI POLICY, please download this application.

android https://play.google.com/store/apps/details?id=jp.co.tokiomarine_nichido.omotenashi&hl=ja&gl=US

i-phone https://apps.apple.com/jp/app/tokio-marine-safetyinformation/id1481323309

Once you have installed the app and logged in, you can contact your insurance company.

Then, when you tell them the name of the hospital you want to go to, the insurance company will contact the hospital and ask if they are willing to accept cashless treatment, which the insurance company will pay for.

If the hospital is OK with it, you will just have to concentrate on your treatment.

Please feel the hospitality of Tokio Marine & Nichido.

Can children join?

Of course you can.　Parents/guardians are required to apply.

Do you issue receipts?

Receipts are not issued.　　Please use your credit card company’s statement, etc.

Are there family or child rates?

No, there is not.　Please apply one person at a time.

I have dual citizenship, which name do you prefer?

Either is fine.

However, it is conceivable that the doctor cannot use a foreign language.　If you are in the doctor’s shoes, a Japanese name will give him a sense of security, as if he can speak Japanese. Therefore, it is expected that the process will go more smoothly if you use a Japanese name when you go to the hospital after purchasing insurance under a Japanese name.

When can I apply?

Applications can be made one month prior to the date of entry into Japan. (Applications can be made in Japan or from Mainland China, Hong Kong, and South Korea)

However, it is not possible to change dates, etc.　Also, in some cases, refunds cannot be made by CANCEL (transfer fees are more expensive than premiums).

Apply as soon as possible!　　is not recommended.

Two days before or the day before departure would be a good idea.

I have purchased insurance, but my return will be longer than planned, so can I extend my insurance?

Extensions are not available.　Re-subscription is also not allowed.

Applications from outside Japan

TOKIO OMOTENASHI POLICY is

If you are in Mainland China, Hong Kong, or South Korea, you will be able to go to the application screen, but you will not be able to apply because access from other countries is denied .

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Protect yourself from potential risks with travel insurance

• Helping You Plan

It is strongly recommended that all travelers to Japan get travel insurance

Protect yourself from potential risks.

Travel insurance is a potential lifesaver when accidents happen

You can also sign up once you arrive.

Is it likely you'll get sick or injured while traveling?

While traveling is a thrilling experience, if you get sick or injured, you could get hit with hefty medical expenses. According to the survey by the Japan Tourism Agency, one in twenty people suffers from sickness or injuries while abroad. Medical service in Japan is advanced, but treatment can be expensive. For that reason, preparing in advance by organizing travel insurance is a wise decision.

Some credit card companies also offer travel insurance coverage. Please ask your card provider for further details on the insurance coverage before leaving.

Since 2021, foreigners who have unpaid medical expense in Japan may be restricted or refused entry to Japan.

Buying insurance after you arrive

It's possible to purchase insurance after you've arrived in Japan.

Know what your insurance covers and what it doesn't

Travel insurance covers medical expenses and compensation for the damage that occurs during your trip. It's a separate and different product from any health insurance you might have at home.

It's important to know what your insurance covers and exactly how they will pay you. If you buy travel insurance in your country, please check with your insurance company for their specific policies, before embarking on your trip. Some policies cover round-trip flights or transport from your home to the airport, while others won't. Here are some important things to know.

Know how to contact your travel insurance provider. Keep their emergency contact phone number on your person.

Know how your travel insurance provider will pay for your medical costs. Do they provide a “Cashless service”? That's when your insurance directly pays out to the medical providers on your behalf. Other insurance providers may require you to pay upfront, and some clinics don't accept credit cards. Cashless service travel insurance removes those concerns.

If you have a chronic disease, this will affect your travel insurance coverage.

Find out if your insurance covers your planned activities. Some particularly dangerous activities may not be covered.

Know if your insurance provides compensation for damages or injuries to third parties.

When you are sick

If you become injured or feel ill, it's helpful to know whom to call. The number to dial for an ambulance is 119, but the type of medical institution you need differs depending on the hour of the day, the level of severity, and if it's an emergency. For more information on finding appropriate medical assistance, see “For safe travels in Japan” or other links stated below.

Translation for medical issues in Japan

If you become injured, not speaking Japanese will complicate things and in some cases even delay you getting help! While some medical facilities offer services in foreign languages, not all do.

Safe travel advice

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Best Travel Insurance for Japan: Your Worry-Free Guide

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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.

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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.

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 .

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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 some of the best travel credit cards of 2024 :

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

No annual fee: Wells Fargo Autograph℠ 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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 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.