how much is travel insurance in japan

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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 some of the best travel credit cards of 2024 :

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.

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.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

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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Best Travel Insurance for Japan: Your Worry-Free Guide

Jessica Merritt

Editor & Content Contributor

94 Published Articles 512 Edited Articles

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

Michael Y. Park

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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.

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.

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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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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Protect yourself from potential risks with travel insurance

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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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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.

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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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Best Three Travel Insurance Options For Japan in 2024

Jarrod Suda

A writer and editor at Monito, Jarrod is passionate about helping people apply today’s powerful finance technologies to their lives. He brings his background in international affairs and his experiences living in Japan to provide readers with comprehensive information that also acknowledges the local context.

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

With its cherry blossoms, UNESCO-protected cuisine, and countless shrines and temples, Japan is a travel destination that has enchanted tourists from around the world. The country also boasts a superb healthcare system.

If you face a medical emergency during your Japanese travels, you’ll be in good hands. Still, it’s worth arriving in Japan with travel insurance so that you can visit their world-class hospitals, health clinics, and emergency services anytime with peace of mind. Japanese hospitals and clinics will not accept foreign health insurance and will require you to pay out of pocket unless you have travel insurance for Japan.

Online global insurance companies (known as 'insurtechs') like SafetyWing , VisitorsCoverage , and Insured Nomads specialize in low-cost Japanese travel insurance and in other countries worldwide. In our list below, we explore the three services we believe provide the best deals for young travellers, adventurous backpackers, holidaymakers looking for wide but affordable coverage, and families or groups.

Japan Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Japan:

Top Three Travel Insurances for Japan

• 01. Is travel insurance mandatory for Japan? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best coverage for youth: SafetyWing scroll down
• 04. Best travel and medical combo: Insured Nomads scroll down
• 05. FAQ about travel insurance for Japan scroll down

Heading to Japan soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn Japanese? italki is an excellent way to take one-on-one online lessons.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Is Travel Insurance Mandatory For Japan?

No, there's currently no legal requirement to take out travel insurance for travel to or through Japan.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Korea or anywhere else. For what's usually  an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the  top five reasons to get travel insurance  to learn more.

With that said, here are the top three travel insurances for Japan:

1st: VisitorsCoverage (Best Health Coverage)

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Japan. It lets you choose between various plans tailored to meet the specific needs of your trip to Japan, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies, and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Japan:

• Plan : Seven Corners Travel Medical Choice
• Price : $46.50 /traveler /month
• Add Canada and US Coverage: N/A
• Term Duration : Customizable
• Coverage : This plan covers most medical treatment, including emergency dental treatment, repatriation, eye exams prescription medication, and COVID-19 coverage.
• Deductible : Customizable ($0 - $5,000)
• Remove Deductible: Add $12 /month
• Maximum Limit : Customizable ($50,000 - $5,000,000)
• Best For : For online-savvy travelers, VisitorsCoverage plans are an excellent choice for comprehensive health coverage. With its flexibility in terms of duration and cancellation, it can be a hassle-free solution for those who need reliable travel insurance.

2nd: SafetyWing (Best For Youth)

Regarding petty crime, infrastructure, and accessibility to medical services, Japan is considered a very safe country. On top of this, young people are the least likely age group to sign up for a travel medical insurance policy (usually due to high costs). 

However, travel delays can happen to anyone. Japan is geographically prone to natural disasters, which is why low-cost travel insurance may be worthwhile for young tourists.

SafetyWing is an online travel insurance provider geared toward younger age groups known to offer some of the cheapest international travel insurance policies on the market . They even focus on insuring digital nomads and companies with remote teams. No matter where you are flying in from, SafetyWing stands out as an excellent choice for Japan travel insurance.

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers one standard plan for international travellers although their pricing differs by age group. Below, we focus on the youth category (10 to 39 years old) as we believe this is where SafetyWing's offer really sets itself apart.

• Plan: Insurance for nomads
• Price: Starting at $45.08 /traveler /month
• Term Duration: Up to 364 days
• Eligibility: Between 10 and 39 years (for the basic plan), you cannot travel in the US during your trip.
• Coverage: SafetyWing's basic travel is comprehensive and includes both medical- and travel-related benefits. A few highlights include COVID-19 coverage¹, hospital, ICU, and ambulance coverage², emergency dental coverage, physical therapy and chiropractic coverage, travel interruption and delay coverage, evacuation (medical or emergency political) coverage, and lost luggage up to $3,000.
• Deductible: $250
• Maximum Limit: $250,000
• Best For: Because of its low costs and low barrier to entry (you only need to sign up online ⁠— which you can even sign up when you're already travelling), we think SafetyWing is the best travel insurance for Japan for younger travellers looking to keep costs low while still getting decent coverage. 

If you're older than 39 years or you're looking for more coverage and don't mind paying a higher price, then we recommend looking at the options below.

¹ Covers testing and quarantine under certain conditions ² High-risk sports, pre-existing conditions, and cancer treatment aren't covered.

3rd: Insured Nomads (Best Trip & Medical Combined Coverage)

Aimed at nomads, couples, families, and groups who frequently travel abroad, Insured Nomads is another extensive insurtech platform offering travel insurance for Japan that's ideal for both medical and non-medical coverage. The minimum policy length is one year and is ideal for those who decide to stay in Japan for an entire year and for those who take frequent short-term trips in and out of their home country.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers a wide range of travel insurance policies, including a larger scope of medical-related coverages than the other providers in this article. This includes telemedicine, mental health coverage, airport lounge access, VPN for cyber security protection , and other membership benefits.

We detail Insured Nomads' basic travel insurance plan for Japan below:

• Plan: Travel Insurance World Explorer
• Price: From $86 to $114 /traveler /month
• Term Duration: One trip of between 7 and 364 days
• Eligibility: You cannot travel to Japan via Cuba, Iran, Syria, Sudan, North Korea, or the Crimea region
• Coverage: This plan offers a fairly comprehensive set of medal benefits and coverage for a basic Japan travel insurance plan. These include online consultation (telemedicine), medical, emergency, and accident coverage, Covid-19 coverage¹, outpatient and inpatient care, medical transportation coverage, evacuation and repatriation, life insurance, adventure sports and marine activity coverage, electronics, camera, cellphone, and sports equipment coverage, flight delay provisions.
• Deductible: $0, $100, $250, or $500 based on selection
• Maximum Limit: $250,000, $1,000,000, or $2,000,000 based on selection
• Best For: Although the most expensive of the plans we've looked at so far, we think Insured Nomads gives the best combination of medical and travel-related coverage, making it an ideal option for travellers to Japan looking for comprehensive benefits. (Insured Nomads also offers an even more comprehensive global health insurance plan for expats for those who plan to live in Japan for an extended period of time.)

¹ Coverage does not apply if travelling to a country with a Covid alert level of Level 4.

FAQ About Travel Insurance for Japan

No, you won't be required to get a travel insurance policy for Japan. However, we encourage you to do so because Japan does not accept foreign health insurance. Without travel medical insurance for Japan, you will have to pay the full cost of any medical treatment you receive.

As of March 31st, 2022, Japan has continued to close its borders to tourists. On February 24 2022, however, foreign nationals for diplomatic, business, and other authorized reasons became allowed to travel to Japan.

In the case of SafetyWing , costs start at $42 per month. The basic plan with VisitorsCoverage costs around $34.50 per month, and Insured Nomads ' main plan costs $84 per month.

Yes, foreigners can buy travel insurance and travel medical insurance while in Japan. However, only legal residents and citizens can obtain coverage with national Japanese health insurance.

Yes, with many insurers, you can purchase travel insurance for Japan even while you are in the middle of your trip. This is the case for SafetyWing , VisitorsCoverage , and Insured Nomads .

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of having to cover those costs yourself in case you need medical attention during your stay.

Yes, foreigners can open a bank account in Japan but only if they are legal residents of the country. You must present a government-authorized Japanese residence card in order to open a bank account in Japan. You may not open a bank account in Japan with a tourist visa.

Read our guide on how to learn fluent Japanese , just in time for your travels.

Other Guides About Japan and Travel Insurance

References Used in This Guide

Washoku. UNESCO.org . Accessed 31 March 2022. Healthcare in Japan for Tourists. Live Japan . 26 June 2020. Description of Coverage. SafetyWing . Accessed 31 March 2022. Travel Insurance Insurance Product Information Document. Insured Nomads . Accessed 31 March 2022. Measures for Resuming Cross-Border Travel. Ministry of Foreign Affairs of Japan . 25 March 2022.

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How To Choose Your Japan Travel Insurance (2024 Guide)

By: Author Sylvia

Posted on Last updated: January 22, 2024

Wondering if you need Japan travel insurance?

It’s a question we often get and the quick answer to this question is YES.

Although chances are small that you will encounter any problems while traveling in Japan, it’s better to be safe than sorry. 

In this post, we answer a lot of questions you may have about travel insurance and healthcare in Japan.

We also compare two popular travel/medical insurances to see which is the best travel insurance for your Japan trip.

We retained SafetyWing and HeyMondo for this comparison because they’re available worldwide.  There’re certainly many more travel medical insurances but they’re usually only available in one country and it would obviously not be possible to discuss them all in this post.

Are you older than 69 but still feel far too young to stay at home? We are happy to hear that and couldn’t agree more! Many insurance policies only offer coverage up to age 69, but fortunately there are others as well. In this overview we included VisitorsCoverage . They offer coverage from age 14 days to 99 years.

Good preparation is very important when taking out travel medical insurance.

Therefore we do recommend comparing the prices and coverage of SafetyWing , HeyMondo , and VisitorsCoverage with other insurances that are available in your home country. 

We also did this and noticed that those insurances are usually more expensive than the ones we discuss here and they don’t necessarily offer better coverage. 

But first, let us take a look at some questions you might have about your health insurance in Japan.

There is a really good chance that this post contains affiliate links. If you click one of them, we may receive a small commission (for which we are deeply grateful) at no extra cost to you.

We updated this post in February 2023.

Table of Contents

Is Healthcare Expensive in Japan?

Healthcare isn’t too expensive for Japanese residents since they have a national health insurance scheme.  This covers all Japanese nationals, although a small fraction do not enjoy this benefit.

As a foreigner, you will have to pay the full price if you haven’t taken out travel insurance.

When you get ill and need to seek medical help, or in the worst case, go to the hospital, the medical bill could turn out very expensive. 

Tourists pay at least double, and sometimes the fourfold of Japanese.

The website of Japan Health says the average cost for the first consultation at a clinic is between 20,000 and 50,000 yen ( 182 USD – 450 USD).

We have also heard stories about hospitals that won’t even treat you if you don’t have proof of insurance.

Does My Health Insurance Work in Japan?

This is another question that many people ask.

Many people think that their healthcare insurance covers them internationally.

Unfortunately, that’s not true.

Most regular health insurances stop at the border.

In some rare cases, care providers have partnered up with international insurance companies.

Although this is more the exception than the rule you could always contact your local insurance company to check if they provide coverage in Japan.

Make sure to request some proof of your health insurance if it provides cover for Japan.  Hospitals are often reluctant to treat foreigners if they’re not sure they have proper insurance.

Having proof of insurance is really crucial in Japan.  It will save you from a lot of trouble and it will ensure you get the care you need a lot faster. 

Is Having Japan Travel Insurance Worth The Cost?

Travel Insurance, like any other form of insurance, is something that you rather not need.

But you know you will kick yourself if you don’t have insurance at the moment that you need it.  

It’s all about peace of mind.

I learned my lesson in the United States.

I once had to pay high out-of-pocket expenses there because I was not properly insured and I don’t want to end up in the same scenario again. 

Healthcare in Japan is not as expensive as in the United States but the last thing you want to hear in the hospital is that they won’t start treating you before they have been able to swipe your credit card.  Certainly not in a life-threatening situation.

These days we always take out travel insurance before we leave on vacation.  Our advice is for you to do the same.  It’s absolutely worth the cost and you will be glad you did in case things go awry.

Good travel insurance doesn’t only cover medical costs but also things like theft and travel inconveniences.

As a result, it is not only useful if you have health problems, but it can also provide a more comfortable journey.

Document Everything

This is something that many people forget but it is crucial if you want to be reimbursed by your travel insurance.

You need to document everything that you may eventually want to be reimbursed.

This means you need to have receipts of costs you made regarding your accident or your illness. 

Keep all the paperwork and all the receipts and take pictures of it so you have an online backup.  You make your claim online so you will need a digital copy eventually anyway.

Remember, the more proof you have the better.

You should also keep the purchase receipts of your phone, laptop, camera gear and other valuables that you take with you when you travel.  In case they get lost or stolen you will need these as proof that you bought them (and for how much).

You will also need proof that you had them with you.  Therefore we recommend taking pictures of the contents of your bags or some pictures with your gear at your vacation destination.

Lastly, the insurance companies will ask for a police report in case of theft so don’t forget to stop by the police.

When To Buy Travel Insurance For Your Japan Trip?

Although all three insurance companies allow you to subscribe to their insurance when you’re already abroad (many don’t!), we recommend not waiting that long.

The insurance only covers things that happen after you’ve bought it. 

Therefore it’s best to buy your insurance as soon as your dates are fixed and you’ve bought your plane tickets.

HeyMondo and VisitorsCoverage both cover trip cancellations. If for some reason you need to cancel your trip after you’ve bought your tickets you know you’re covered and you will be reimbursed.

What To Look For In A Travel Insurance Policy For Japan?

Valid in japan.

First things first, it’s of course of utmost importance that Japan is covered by your travel insurance.

We know of no travel insurance that excludes Japan but obviously you should check this before you subscribe.

Pre-Trip Cancellation

Pre-trip cancellation is included in most but not all policies.  (It’s not included with SafetyWing)

We really advise taking out insurance where this is included as a trip to Japan can be rather expensive.

Although it’s not fun when you have to cancel your upcoming Japan trip, it’s even less fun when you cannot recover the money you already spent.

HeyMondo and VisitorsCoverage both cover trip cancellation. If for some reason you need to cancel your trip after you’ve bought your tickets you know you’re covered and you will be reimbursed.

Proof Of Insurance

As we already mentioned above, Japanese hospitals and clinics will often ask for proof of insurance before they start treatment. 

Therefore we advise you to double-check that the insurance plan will provide a document that clearly states that you are insured.  Carry this on you during your trip so that you can show it when required.

Medical Emergencies And Evacuation

This is, of course, the primary reason to take out Japan travel insurance.  This is a crucial aspect of your insurance policy.

Cheaper policies often have low limits. 

If you become hospitalized in countries such as Japan where the healthcare costs are relatively expensive you can quickly hit those limits and you would end up paying huge sums yourself despite your travel insurance.

When comparing different policies definitely check the limits on medical expenses, the areas of cover for emergency evacuations, cover for emergency dental work, etc.

If you take out travel insurance it’s better to pay slightly more for a good cover than a cheap alternative that lets you down when you need it.

We also advise you to carefully check the general exclusions.

Baggage And Personal Belongings

Although Japan is one of the safest countries we ever traveled to, theft can always happen.  You can also forget something or it can be damaged by accident. There are also occasions when the airline loses your luggage.

Good travel insurance also covers these things.  Make sure to check if this is included and up to what amount you can be compensated for loss or theft.

This is especially important if you are traveling with camera gear, a laptop, or other valuables.

Some insurances have an option to increase the coverage limit for an extra fee.  If you have expensive phones, cameras or other electronics it may be worthwhile to increase the limits if you want the amounts you receive to be anywhere near what you need to replace your goods.

Natural Disaster

Although chances are slim that something will happen while you are on holiday, Japan sometimes gets hit by an earthquake or a typhoon.

So we advise you to check what your travel insurance covers when a natural disaster happens.

Especially when you are traveling during August and September since this is the season that you have the biggest risk of seeing your travel plans ruined by a typhoon.

Dangerous Activities

Some activities are seen as dangerous and are excluded.

You can be amazed at what, at first glance, innocent activities are on this exclusion list in your travel insurance policy.

Here’s a non-exhaustive list of things that you can find excluded in some policies:  skiing, scuba diving, climbing (eg. Mt. Fuji ), snow scooter trips, and more.

Many of those activities are covered if they’re done as a guided tour but we advise, once you have fixed all your plans, to check them with your travel insurance policy to be sure you’re covered.

What’s The Best Travel Insurance For Japan

It’s not easy to point out the best travel insurance for Japan since a lot will depend on what’s important to you and the activities you want to do. 

When we looked for insurance ourselves, we came across the insurance of HeyMondo and SafetyWing. 

If you want even more options look at VisitorsCoverage , this a highly-rated insurance broker with a wide selection of policies for everybody aged 14 days to 99 years.

Both companies offer policies for a single trip, allow you to purchase or extend your policy while you are traveling and have 24/7 support.

HeyMondo Travel Insurance 

Heymondo was born with the mission to make travel insurance easy.

The company was established in February 2017 and currently, we already serve half a million travelers a year.

They not only take care of finding and offering you the insurance that best suits you, but they also provide you with all the support you need.

Pros And Cons Of HeyMondo

Below we list the pros and cons of HeyMondo travel insurance.

Pros Of HeyMondo

Available to everyone.

HeyMondo Travel Insurance plans cover people from all over the world, regardless of your country of residence.

Competitive Pricing

They provide a lot of coverage for a fair price.

You can choose between the HeyMondo Top and the slightly more expensive HeyMonodo Premium Package which has a higher coverage.

You can also opt for Medical coverage only.

You always get a detailed quote that clearly shows what’s covered.

Family Policies

Going on a family trip? No worries, their policies include coverage for families and children.

Easily Purchased

You can purchase your policy online in a few minutes.

You just need to choose between a single trip and multi trips in one year, fill out the country or countries you are traveling to, your country of residence, the start and end date of your trip, the number of travelers, and your email address.

After you have entered this information you immediately receive a detailed quote.

It couldn’t be easier. 

Can Be Purchased While You Are Already At Your Destination

Yes, you can purchase HeyMondo Travel Insurance while you are already at your destination.

The only thing you should bear in mind is that a 72-hour grace period will apply from the date of purchase until the insurance takes effect.

Just don’t forget to check the box that says “Already abroad” on the dates field.

A Wide Range of Adventure Activities

The Heymondo travel insurance plans already cover numerous adventure activities such as jet skiing, kayaking, snowmobiling, hiking and even trekking at an altitude below 3000 meters.

If you add the adventure sports add on a whole range of more adventurous sports such as white-water rafting, canyoning, diving, some underwater activities, horse riding, climbing, fencing, caving at depths of less than 150 meters, water skiing, fly surfing, kitesurfing, bicycle touring, mountain biking, quad biking, rafting, abseiling, bungee jumping, survival, trekking at altitudes of up to 5,000 meters and any activity of similar characteristics are included.

Carefully read the policy to see what is and isn’t included.

Note that skiing is never included.

24-Hour Assistance Services

Through the HeyMondo App, you can request assistance (via phone or chat) 24/7 at no cost.

Going On A Cruise

Are you making a cruise in Japan?

Then you can opt for the cruise add-on.

With this add-on, you are also covered while traveling on a cruise ship, for any medical assistance you may need on board.

Cons Of HeyMondo

Heymondo scores 4.3 on Trustpilot.

You can also find lots of bad reviews regarding just about every travel insurance company. 

This is mostly because those people have the wrong expectations about their insurance.  

They take out insurance, they don’t check the policy in detail, and they expect that they’re covered for everything.

We don’t want you to have a bad experience so we want to set those expectations straight. 

This is a list of things that are not covered and can be seen as negative for HeyMondo.

No Possibility To Upgrade Your Policy Once It Has Been Issued

You can’t upgrade your cover once the policy has been issued. 

No Possibility To Extend Your Policy Once It Has Been Issued

Only the Heymondo Long Stay insurance gives you the possibility to extend your coverage up to a maximum of 12 consecutive months.

If you have another type of single-trip insurance, you will have to take out new insurance for the dates that you are going to extend your trip.

Be careful to do so at least three days before the old policy expires since there is a 72-hour “grace period” until your new policy takes effect when buying when you are already abroad.

You May Have To Pay Extra For Certain Adventure Activities

If you plan on doing what is considered more extreme adventure activities, you may have to upgrade your travel policy to be covered.

Carefully check the policy to see what is and isn’t included.

When You Take Needless Risks You Aren’t Covered

HeyMondo covers a wide range of adventure activities but one condition is that you never put yourself at needless risk during these activities.

Drugs Or Alcohol Injuries And Illnesses Aren’t Covered

This is not different from any other insurance.  Drugs and alcohol are a big no. 

If you have an accident or injure yourself or somebody else when you are under the influence you will not be reimbursed.

Non-Emergency Treatment That Can Wait Until You Return Home

Inpatient treatment check-ups and continuing treatment of chronic conditions abroad is not covered.

Sexually transmitted diseases

Syphilis and AIDS are not covered.

Pre-Existing Medical Conditions

This is also typical for all insurances. 

Any pre-existing medical conditions are not covered under this policy.

Ongoing Treatment At Home

The insurance only covers the costs abroad.  The costs of ongoing treatments once at home are no longer covered by your travel insurance.

Lower Coverage For Electronics

Electronic coverage is for your electronic equipment (laptop, tablet, camera, and the like and its accessories) up to 50% of the baggage coverage in case of theft, as well as for total or partial loss due to the carrier, or damage as a result of fire or assault. 

The limits are however on the low side and probably won’t be enough to cover the replacement costs if you’re traveling with expensive gear.

• Single trip: general limit of 69 years, except for trips lasting more than 30 days, which is lowered to 49 years.
• Long Stay general limit of 49 years.
• Annual multi-trip: general limit of 49.

HeyMondo Travel Insurance Conclusion

HeyMondo offers travel insurance at a fair price in line with the coverage they provide. 

Although already a lot of sports are included you can add the adventure sports add-on to get more coverage.

Get your free quote now: HeyMondo

SafetyWing Insurance 

SafetyWing also started in 2017.

SafetyWing’s travel medical insurance is underwritten by Tokio Marine, one the of largest and most solid insurance companies in the world.

This makes it a very reliable solution if you’re looking for trusted and affordable insurance. 

Even if something would happen to SafetyWing you would still be taken care of by Tokio Marine.

SafetyWing insurance can be taken out as regular travel medical insurance, with a start date and an end date. 

In addition, the company also provides a product for long-term travelers. 

They can subscribe to their insurance with monthly payments, similar to subscriptions to Netflix or Spotify.

Both plans are very flexible.  The regular plan can be taken out abroad and can be extended abroad.  The subscription plan can be started and stopped anytime.

SafetyWing is available to people in 180 countries.

Pros And Cons Of Safety Wing

Pros of safety wing , available to almost anyone from any country.

Almost anyone can purchase SafetyWing travel medical insurance.

Note that if you are from Iran, Syria, North Korea, or Cuba ( or have Cuba as your citizenship) it is not possible.

You also can’t buy SafetyWing insurance when your address is in Florida.

If your address is in Canada, Australia or Washington, Maryland or New York you must be physically located outside of the country or state to purchase insurance.

They cover a lot at a low price.

If you’re under the age of 50 you may find that SafetyWing offers much better value compared to other insurance companies including HeyMondo.

Above that age, SafetyWing becomes much more expensive and a lot less attractive.

If you travel to the US you will also need to pay an additional fee which makes them a little less attractive for these trips.

By default, SafetyWing shows a quote for 28 days according to their subscription plan.  You can add an end date in the second step and then you will receive a proportional price. 

The pricing model is exactly the same, if you travel for 14 days your quote will be half of the price of the 28-day subscription model.

Note that you always have a $250 deductible and that the maximum limit of coverage is lower than with HeyMondo.

Easy Subscription Process And Flexible

The subscription process is simple and straightforward.  

By default, SafetyWing proposes a monthly subscription plan, if you want a fixed end date for your policy you add it in the second step. 

Next you the destinations where you’re traveling.

You only need to add the first destination for your coverage to be valid worldwide but SafetyWing recommends adding all destinations so they can issue visa letters if you would need them.

Next, you add the details of the persons who will be traveling with you.  2 children up to 9 years old can travel with you for free.

That’s all it takes.  Your date of birth and your home country is stored in your profile so you only need to input them once.

You can purchase your travel insurance before or even during your trip.   

Long-term subscribers can pause their plan if they interrupt their trip to say hi to friends and family at home and restart it once they fly back abroad.

Covers a Wide Range Of Adventure Activities

SafetyWing does cover a wide range of sports activities. 

They cover the most common sports such as kayaking, skiing, scuba diving, etc. 

Adrenaline junkies who plan on doing more extreme sports might find that their activity of choice is not covered.

There’re other minor differences such as this example regarding hiking, HeyMondo covers hiking without paying extra up to 3.000 meters, and SafetyWing up to 4.500 meters. (which is enough to climb Mt. Fuji) 

You can find a complete overview of sports that are included and excluded in the FAQ on their website.

You Can Get Travel Insurance For A Travel Companion And/ Or Children

It’s easy to take out travel insurance for the people who are traveling with you, no matter if they are family or friends. 

All can be done in 1 go.

2 children under 10 (1 per adult) can be included with no extra cost under the condition that their parents are traveling with them.

The children must be at least 14 days old.

Claims Can Be Made Online

You can file a claim by filling out a claims form and uploading it together with photos or screenshots of receipts to WorldTrips’ online portal.

You can read full instructions on their  claims page  (log in to your SafetyWing account to access this page).

Cons Of SafetyWing

There are bad reviews about every travel insurance company but SafetyWing has a solid 4.3 ranking on TrustPilot . 

Better yet, this is not only for people who had no problems during their trip.  Also, people who had to file a claim shared positive reviews.

Here are some more things to consider before you take out insurance from SafetyWing:

High-Riks Sports Activities Are Not Covered

Most common sports are included but more adventurous sports are not.  Make sure to check the FAQ on their homepage to see if what you’re planning to do is included or not.

When you take needless risks you aren’t covered

Substance Abuse

This is not different from any other insurance.  Drugs and alcohol are a big no.  If you have an accident or injure yourself or somebody else when you are under the influence you will not be reimbursed.

Sexually Transmitted Diseases And All Diseases Related To HIV

These are not covered

Cancer Treatment

All forms of cancer/neoplasm are not covered

Pre-Existing Conditions

Any pre-existing medical conditions are not covered under the policy except charges resulting directly from an Acute Onset of these conditions.

No Coverage For Electronics

Electronics such as phones, laptops, and cameras are not covered.

At the moment personal belongings like electronics and cash are only covered if they are on lost checked luggage or if surrendered after kidnap or express kidnap.

Other than that there is no coverage at the moment.

Trip Cancellation Is Not Included But The Policy Has A Trip Interruption Provision

The policy has the Trip Interruption provision that can cover the cost of a one-way economy ticket back home when you need to cut short your trip after an unexpected death or fire in your house, however, reservations are out of policy terms.

Please see an excerpt of the policy below with more information: 

Make sure that costs such as non-refundable airplane tickets and non-refundable hotels are covered by other insurance.  To book those you could use credit cards that come with trip cancellation coverage.

$250 Deductible

A deductible is an amount the insured needs to pay before the insurance will pick up the tab. 

In this case, it means that if your hospital bill is $500, you would need to pay $250 yourself and SafetyWing will reimburse the other $250.

There is one deductible per certificate period.  The certificate period cannot be longer than 364 days.  Long-term subscribers who continue their subscription beyond the year get a new deductible in the new year.

The deductible does not apply to all aspects of the coverage.  Some treatments such as emergency dental care and urgent care come without a deductible. 

Check the full policy wording on the SafetyWing website for the exact details.

Not All US Citizens Can Buy SafetyWing Travel Insurance

If you are a U.S. Citizen and live in Washington, Maryland, or New York you can not be physically present in those locations when you purchase the insurance.

You will not be directed to an alternative site in this case, you just won’t be able to make the purchase.

You would need to leave the state, or country before you can purchase the insurance. 

SafetyWing Conclusion

SafetyWing is one of the newer kids on the block. 

Their travel medical insurance is cheap and although their coverage is not as extensive as those of other insurances it will be sufficient for most travelers and for the majority of trips to Japan.

SafetyWing would be our first choice for Japan but we can’t repeat this enough.  Don’t take out this insurance just because it’s cheap.  Make sure to verify if the coverage will be sufficient for the things you plan to do.

Get in touch with SafetyWing if there’s any doubt. 

If you mail or call you will also get a better idea of how fast and how professional they respond.

Get Your Free Quote Now: SafetyWing

VisitorsCoverage Travel Insurance

VisitorsCoverage is a travel insurance broker. We noticed that both HeyMondo and SafetyWing had 1 major flaw, namely the age limit of 69 years. That’s why we started looking for a good, reliable partner for travel insurance that you can still go to after that age. That’s how we found VisitorsCoverage.

On their website you can easily search for a good policy by entering your age, place of residence, and destination. You can choose from Medical Insurance & Trip Insurance. The first only covers medical emergencies during your trip while Trip Insurance goes further and will reimburse the costs of your trip if you need to cancel it. Trip Insurance is currently only available for US residents.

Pros And Cons of VisitorsCoverage

Pros of visitorscoverage, a wide selection of policies.

By collaborating with different parties, VisitorsCoverage can offer a wide range of policies to all kinds of travelers.

Almost no age restriction

While some policies have an age limit of 85 years most can be taken out by travelers up to the age of 99.

Will you be cruising around Japan?

At VisitorsCoverage you will find plans specifically tailored to cruisers.

Cruise Policies may be for you if you booked your flights separately from your cruise. They will reimburse the costs to still join your cruise in case your original flight was delayed or canceled. They also cover other typical cruise expenses like prepaid tours you may need to skip because you are ill and any medical assistance you may need on board.

The Travel Medical Plans can be purchased while you are already at your destination. Just know that anything that has happened before you purchased them will usually not be covered. (this is common for almost all insurance policies) That is why we recommend never waiting too long.

But if you have forgotten it anyway, you can always take out a travel medical plan while at your destination.

Cancel for any reason

Many policies allow for the addition of a Cancel for Any Reason option. Interruption for any reason is also available. It is expensive but it ensures that your plans remain completely flexible.

To add this option you need to subscribe your policy within 20 days of the first payment towards your trip and no later than 2 days prior to departure.

Easy to find the policy you need

Reviewers say it’s easy to find the policy you need and, if necessary, VisitorsCoverage’s experienced team was able to assist them through the process.

Policies can be extended

Most policies can be extended, just don’t wait till the very last minute and give it 2 days for everything to be taken care of.

Excellent reviews

VisitorsCoverage has a 4.6 rating on Google and a 4.8 rating on TrustPilot with over 5500 reviews.

Cons of VisitorsCoverage

Despite the high ratings of VisitorsCoverage at both Google and Trustpilot, you will still see that there are also a number of bad reviews, mainly about the handling of claims.

This is not uncommon for insurance-related matters and is due to a combination of causes. It is a fact that people are more likely to write a review when things do not go as planned.

It also stems from the fact that the small print of insurance policies regarding exclusions or reimbursement limits often causes dissatisfaction. Insurers are notorious for not paying unless they really have to.

We don’t want you to have a bad experience and therefore we recommend always reading all the information available that can be found. You can check the Plan Brochure, there’s a FAQ about each plan, and if you look up the policy on their site using the search feature you can usually find even more details about the policy.

I’ve also found that the Ask The Expert feature can be very helpful in checking specific details about the coverage.

Adventure Activities

VisitorsCoverage’s offering also includes policies suitable for more adventurous trips like skiing and snowboarding but we couldn’t find any that cover ski trips to Japan.

Trip Insurance only for US Citizens

Travel Medical Insurance is available to all but trip insurance is currently only available to those living in the United States.

If you have a longstanding health condition you will probably have experienced that it can be hard to find good travel insurance. VisitorsCoverage offers a number of policies that cover, even though with limits, pre-existing conditions but those are unfortunately only for travel to the United States, Canada, and Mexico.

VisitorsCoverage Travel Insurance Conclusion

VisitorsCoverage scores high grades and has many returning customers. As a travel insurance broker, they offer travel insurance from different providers. Their customers claim this is all done at a fair price in line with other similar policies. 

It’s easy to compare the different policies and they offer 24/7 chat support. Customer Service can also be reached by phone (during office hours), e-mail and WhatsApp.

Both HeyMondo and SafetyWing are good and trusted insurance companies that are open to the majority of people.

SafetyWing is remarkably cheaper than HeyMondo and it’s probably one of the cheapest options available on the market today.

You can do an incredible deal by taking out insurance from SafetyWing.

Above we already mentioned some of the reasons why this is the case and you have to weigh up the cheap price and the coverage.

Here’s a short recap of the most important differences: SafetyWing does not come with trip cancellation, they have a deductible of $250 dollars, cover lower expenses, and theft or loss of electronics is not covered.

There’s no need to pay for a Ferrari if all you need is a regular car.

If those are things you don’t need then SafetyWing is the perfect and reliable solution for you.

Otherwise, we advise you to opt for HeyMondo.

HeyMondo has tailor-made policies for each trip & traveler (short and long-term trips). They also cover medical expenses up to $10,000,000 USD and have no deductibles or out-of-pocket expenses. They also have a 50% cover for your electronics.

Lastly, VisitorsCoverage is a great broker to check for insurance if SafetyWing and HeyMondo didn’t work for you.

Remember that we have written this comparison to the best of our knowledge. We have used the information that was available at the time of writing.  We regularly check and update our articles but it is always possible that these policies have changed and are no longer in-line with what we have written.  It’s your responsibility to check the details of your travel policy.  This comparison is for informational purposes only and we cannot be held reliable if something is different from what we have written.

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• Key takeaways

Do I need travel insurance to visit Japan?

Our top picks for the best travel insurance for japan, how much does travel insurance for japan cost, why you need travel insurance to visit japan, what does travel insurance for japan cover, what isn’t covered by travel insurance for japan, tips for getting the best travel insurance for japan, japan travel information & requirements, japan travel insurance faqs, related topics.

Travel Insurance for a Japan Vacation: Tips & Safety Info

• Japan does not accept U.S. health insurance , so it’s wise to purchase travel medical insurance for your trip.
• Given Japan’s high rate of earthquakes, tsunamis and typhoons, travel insurance is a good idea for all travelers .
• According to our research, our top picks for travel insurance for Japan come from Tin Leg , Generali , and IMG Global Travel Insurance . ( skip ahead to view these plans ).
• Comprehensive travel insurance policies typically cover medical care, medical evacuation, baggage and trip delays, interruptions and cancellations .
• The cost of travel insurance varies dramatically between travelers and insurance providers. The cheapest plans cost as little as $1 per day .
• To find the best travel insurance policy to suit your needs, we recommend using our online comparison tool .

Japan is a bucket-list destination for many travelers. While the country itself is generally safe — the Global Peace Index ranks it among the top 10 most peaceful countries in the world — every trip comes with some risk. Whether you’re visiting for a week or a month, travel insurance for Japan can help protect your physical and financial health.

Trips to Japan can be expensive; travel insurance helps you recoup costs in case of unexpected delays or cancellations. Most policies come with medical coverage, which is helpful if you’re injured while skiing in Hokkaido or hiking Mt. Fuji.

This guide is designed to provide the information you need to choose and purchase a travel insurance policy for Japan, including:

• Travel insurance requirements for Japan
• Typical coverage options
• How much you can expect to pay for a Japan travel insurance policy

Our top picks for the best japan travel insurance

• Tin Leg: Best Rated Overall
• Generali Global Assistance: Best Value with Robust Coverage
• IMG: Best for Travel Delays

Generali Global Assistance

Japan does not require you to have insurance during your visit, but it’s always a good idea to purchase a policy. While you probably won’t encounter any violent crime or political unrest, insurance can help protect you if something goes wrong before or during your trip.

Many travel insurance policies will help you recoup non-refundable costs if you need to cancel your trip for a covered reason—for example, if you come down with a bad illness or are called for jury duty. If you have a medical emergency in Japan, insurance can also help cover your hospital bills. It can even pay for medical transport back to the United States if needed.

Purchasing travel insurance can help you prepare for the risks that are inherent to any trip to Japan, such as those discussed below.

Best Rated Overall

Why we like it.

• Excellent primary coverage for medical expenses
• High limit for emergency evacuation coverage
• Optional cancel for any reason (CFAR) coverage available
• Comes with coverage for hurricanes and inclement weather
• Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
• Baggage delay coverage requires a 24-hour waiting period
• Low coverage limits for baggage and personal effects

Best Value with Robust Coverage

• High emergency medical and medical evacuation coverage
• Cancelation & interruption coverage
• Offers hurricane and weather coverage
• Extensive loss or delay coverage.
• No pre-existing condition coverage

Best for Travel Delays

• Purchase your plan up until one day before you depart
• Generous limits for trip delays, emergency evacuation, and more
• Pre-existing condition waiver available if purchased within 20 days of initial trip deposit
• 24/7 emergency travel assistance included
• Coronavirus-related medical expenses covered
• Plan gets notably more expensive with age

According to official sales data from Squaremouth , travel insurance for Japan costs between $250 and $350.

Our official sales figures over the past year show that our customers paid an average of $205.72 for travel insurance to Japan.

For basic medical and medical evacuation coverage, travel insurance for a trip to Japan can cost as little as $1 per day. For more comprehensive coverage, we found more plans typically cost around $7 to $11 per day.

To give you an idea of the possible costs of insuring a trip to Japan, we’ve collected a variety of quotes. 

The prices for the quotes are based on these details:

• Age: 35 years old
• Destination: Japan
• Trip Length: 7 days
• Trip cost: $2,000

This table shows our quotes for basic travel insurance. As you can see, the cheapest travel insurance costs less than $1 per day.

Example Where Plan Doesn’t Reimburse the Full Trip Cost

We got more quotes from the same providers for policies that also include trip cancellation and trip interruption coverage. These quotes show that this type of protection costs around $7 to $11 per day.

Example Where Plan Does Reimburse the Full Trip Cost

Costs for a Japan travel insurance plan can vary considerably from person to person. Generally, a comprehensive travel insurance policy to Japan will cost 5-10% of your total trip cost.

Some of the factors that affect your premium are:

• Cost of the trip
• Length of the trip
• Time elapsed between the initial trip deposit and the policy purchase
• Optional add-ons, such as Cancel for Any Reason (CFAR) coverage

Risk of earthquakes and natural disasters

Japan sits at the intersection of four different tectonic plates, which means that earthquakes are common. There are usually 1,500 every year , including four to seven major earthquakes .

Much of the tectonic activity in the region happens under the ocean, which means that Japan also experiences more tsunamis than any other country in the world. The Great East Japan earthquake of 2011 created a catastrophic tsunami with waves up to 132 feet tall .

Japan’s high rate of earthquakes and tsunamis alone is reason enough to buy a travel insurance policy. If your trip is disrupted or delayed or you’re injured in a natural disaster, your policy can provide emergency assistance, financial reimbursement and peace of mind.

Risk of extreme weather

Because of its location and topography, Japan is prone to a variety of extreme weather conditions that could affect your journey. Typhoons are common between May and October; they can bring high winds, landslides and destructive high tides. If you’re traveling to northern Japan in the winter, there’s a chance of severe snowstorms. The possibility is particularly high in Aomori City, Sapporo and Toyama — the top three snowiest major cities in the world . Extreme weather can inhibit your ability to move around Japan. Insurance can help you recover some of the lost costs from delays or rerouting. 

Risks related to adventure sports

Are you planning to hike, ski or snowboard in Japan? You’re not alone; many people love to experience the country’s spectacular landscapes through adventure sports. If you break an arm on the ski lift or need to be airlifted off of a mountain after an injury, travel insurance can help protect you from high medical bills.

Insurance coverage can vary by provider and plan. Before you buy a policy for a Japan trip, make sure you read the benefits carefully to understand what’s covered. 

Some of the most common coverage types include the following.

Trip cancellation insurance

Trip cancellation insurance reimburses you for non-refundable trip costs in case you need to cancel your trip. Keep in mind that the cancellation must be for a reason that’s covered under the policy. For many providers, this includes unexpected natural disasters or the sudden death of a family member. If you have travel insurance for Japan, you’ll likely be covered if a surprise earthquake hits your destination.

For insurance that covers any type of cancellation, you can purchase cancel for any reason (CFAR) insurance . With this type of coverage (which is often sold as an add-on), you can cancel for any reason at all and the provider will reimburse you for around 50% to 70% of your total prepaid travel costs.

Trip delay insurance

Delays happen, especially when you’re making the long journey to Japan. Trip delay coverage can reimburse you for the costs you incur in these situations. If the airline cancels your flight, your policy can help pay for things such as a hotel room and a taxi.

Trip interruption insurance

Trip interruption coverage helps mitigate the financial losses if you need to come home early from your trip to Japan. Depending on the policy, you might be able to get reimbursed for the part of the trip you’re unable to complete. Need to buy a new flight home? Some policies will help you pay for it.

Keep in mind that trip insurance coverage only kicks in under certain circumstances. Usually, the cancellation must be for reasons out of your control, such as a health emergency that makes it impossible for you to continue with the trip.

Travel medical insurance

Medical coverage is one of the most important parts of a travel insurance policy. American health insurance doesn’t usually work outside the United States , and costs can add up quickly if you experience an illness or injury. Medical insurance reimburses you for out-of-pocket expenses; some providers can even bill the hospital directly.

When you have travel medical insurance, you can explore Japan with peace of mind. And if you slip on temple steps in Kyoto and need a doctor’s attention, you won’t need to bear the costs of the emergency room bills.

Medical evacuation insurance

Travel medical insurance covers the costs of medical transportation in an emergency. Depending on the extent of your injuries, this might involve flying you from a remote part of Japan to a better-equipped hospital in a large city. In some cases, it means transporting you home to receive continuing care in the United States. Many policies also pay for a friend or family member to fly to Japan and escort you home. If you pass away during your trip, some providers include coverage to repatriate your remains.

Medical transportation can be extremely expensive, so it’s important to look closely at the limits on your insurance policy. Make sure you have ample coverage, especially if you’re visiting Japan’s dense wilderness areas or exploring far-flung parts of the country.

Insurance for personal items

Your baggage is your lifeline while you’re visiting Japan; insurance for personal items can help you recoup costs if your luggage is lost, stolen or damaged. It’s particularly important if you’re bringing expensive items. Packing a high-end camera to capture the cherry blossoms? If it’s stolen, insurance can prevent a complete loss. Every policy has its own rules for covered possessions, so read the fine print carefully before you buy.

Rental car coverage

A rental car is a great way to get around Japan, and rental insurance is a good way to protect yourself in the case of a collision or other accidental damage. Many Japanese roads are famously narrow, so it’s nice to have ample coverage.  

As you’re comparing travel insurance plans for a trip to Japan, make sure you understand the things your policy does not cover. For example, travel medical coverage typically doesn’t apply to routine checkups.

Other common exclusions are:

• Participating in extreme sports or risky activities
• Pre-existing conditions
• Excessive alcohol or drug use
• Pregnancy (unless you’re experiencing a complication)
• Non-emergency dental care
• Trips that go against medical advice

Use these tips to find the best possible coverage for your trip to Japan:

If you purchase a single-trip policy soon after you make the first deposit, you may be eligible for additional benefits. For example, some companies cover pre-existing medical conditions but only if you buy within 21 days of the deposit.

Consider your activities.

Compare your plans to each insurance plan’s inclusions and exclusions to ensure that you’re covered. If you want to do extreme sports, you may be limited to specific providers.

Check transportation rules.

Coverage often applies to common carriers such as major airlines and train companies. If you get injured while riding in a friend’s car, your policy may not cover the medical bills.

Use a comparison tool.

An online comparison tool allows you to view multiple coverage options at once, so you can easily compare policies to find the best deal.

Are there COVID-19 restrictions for U.S. tourists?

No — Japan ended its requirements for vaccination and negative COVID-19 tests in April 2023.

Do I need a visa or passport to travel to Japan?

If you’re an American traveling to Japan, you do not need a visa for tourism or business visits of 90 days or less. You will, however, need a valid passport. The passport must be valid for the duration of your stay in Japan.

Is it safe to visit Japan?

Japan is widely regarded as a safe destination. The country has less crime than many other developed nations; for example, its homicide rate is considerably lower than the United States, Canada and the United Kingdom. Of course, you should still take normal precautions to prevent pickpocketing and petty theft.

Japan is a politically stable country, but it’s important to keep an eye on tensions between South Korea and North Korea. The Korean peninsula is close to Japan, so an escalating situation could impact your trip. This scenario is unlikely — but to stay up-to-date, consider registering with the U.S. Department of State Smart Traveler Enrollment Program (STEP). After you sign up, the U.S. Embassy will keep you abreast of any emergencies that arise.

Will my U.S. health insurance work in Japan?

Most U.S. health insurance plans do not work in Japan.

Is health care free for tourists in Japan?

If you’re a tourist in Japan, health care is not free; you’ll need to pay with cash or by card. However, ambulance rides are free to everyone in Japan, even for foreign visitors.

Are there any travel restrictions to Japan?

As of January 2024, Japan does not have any restrictions for travelers.

About the Author

Imogen Sharma is an experienced writer, specializing in business, culture, and financial guidance for young adults. She has contributed to articles for Varo Bank , Lendzi , MoneyTips and Indeed , providing invaluable insights into budgeting, financial planning, and lines of credit.

As a dedicated self-employed writer, she cherishes the opportunity to share her knowledge and experience with others, offering advice so they can master their bank accounts and secure their financial futures. Her articles, published in CMSWire , Reworked , WalletGenius and The Customer , serve as actionable guides to help people make solid financial decisions.

Prior to her writing career, Imogen honed her financial acumen in management roles, excelling in P&L analysis, budgeting and HR. During her tenure at Smith & Wollensky in London, her strategic contributions contributed to a 2% increase in EBITDA over a year, demonstrating her ability to drive financial performance and organizational success.

Imogen’s writing style combines expertise with accessibility, making complex financial topics easily understandable and actionable. With a focus on the long game, she encourages readers to approach financial matters with enthusiasm and determination.

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Travel Insurance for a Japan Vacation (2024)

Travel insurance can protect your trip expenses, offering peace of mind during your vacation to Japan. See how to get covered and what travel insurance costs.

with our comparison partner, TravelInsurance.com

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Travel insurance for Japan can offer financial protection and peace of mind for your trip to the East Asian country. Japan is a top destination for sightseeing and adventure sports but is also prone to natural disasters like earthquakes and typhoons. Whether your flight gets delayed due to weather or you get hurt hiking Mount Fuji, a travel insurance plan can make a big difference.

Most travel insurance companies cover trip interruptions, lost or stolen baggage, emergency medical expenses and more. We at the MarketWatch Guides Team have reviewed the best travel insurance for a trip to Japan and offer a general overview of coverage benefits, requirements and costs.

Compare Japan Travel Insurance Companies

Why trust marketwatch guides.

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

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Do I Need Travel Insurance for Japan?

Travel insurance is not required to visit Japan but is recommended to cover unforeseen medical treatments abroad. Not all U.S. health insurance plans provide coverage in other countries — so you might not have coverage if you become hurt in Japan. However, you can obtain emergency medical coverage through a travel insurance plan. In case of an emergency, travel insurance can cover medical treatments, costs, evacuation and repatriation.

Moreover, Japan is prone to natural disasters like earthquakes, tsunamis and typhoons. Travel insurance can reimburse nonrefundable expenses in case of trip interruptions or cancellations due to unforeseen weather events.

Japan is known for its adventure activities , with skiing and hiking being among the most popular options. In addition to protecting you against certain injuries, some travel insurance products offer coverage for lost or stolen sporting equipment and gear.

Cancel for Any Reason Coverage

With cancel for any reason (CFAR) coverage, you have more flexibility to recoup financial setbacks in case of trip cancellation. Most travel insurance providers have a predetermined list of reasons as to when you can receive reimbursement for canceling a trip, including:

• Death of a family member or traveling companion
• Hospitalization
• Unexpected court-ordered appointments
• Military orders
• Acts of terrorism or war

CFAR coverage guarantees protection for a range of additional reasons, including general decisions to change your plans. CFAR coverage is more expensive than standard travel insurance and typically costs 40% to 50% more than your standard insurance plan.

You cannot purchase CFAR insurance on its own when planning a trip to Japan. Most providers offer this coverage as an add-on benefit to your base coverage. However, companies may limit the timeframe in which you can upgrade to CFAR insurance and have limits on when to file a claim if you cancel your trip.

Gear Theft Protection

Theft and petty crime rates are low in Japan, making it one of the world’s safest destinations .

From the ancient traditions in Kyoto to the cherry blossoms in Kyushu, many visitors choose to capture their travels on camera or film. If you’re taking valuable equipment with you, travel insurance can protect you from financial loss. Here are some items that travel insurance may cover:

• Professional camera, tripod and gear
• Laptop, tablet or smartphone
• Sports equipment, like ski poles and protective gear

Most insurance policies have predetermined coverage limits, deductibles and exclusions. Check your policy wording to ensure you have coverage for valuable items you wish to bring on your trip. It may be best to leave irreplaceable items at home or locked in a hotel safe.

Medical Emergency Insurance and Emergency Medical Evacuation

Japan boasts a high-quality health care system , but you may face financial burdens if you need care without insurance. Some of the most reputable Japanese hospitals are St. Luke’s International Hospital in Tokyo and Kyoto University Hospital in Kyoto.

Here is what’s generally included in medical travel insurance coverage:

• Hospital fees
• Medical care and costs
• Operating room fees and anesthesia
• Ambulance costs
• Emergency dental work
• Lab tests and X-rays

Standard travel insurance policies may not provide medical coverage for extreme sports and adventure activities, but certain companies ( like Travelex ) offer adventure sports add-ons. Whether mountain biking in Osaka or snowboarding in Hakuba, travel insurance for medical emergencies can offer necessary medical protection in the event of an emergency.

The majority of travel medical insurance plans cover emergency medical evacuation and repatriation. If you can’t receive health care locally, your policy will cover you against the cost of evacuation to your home country.

Rental Car Protection

You need an international driver’s permit that has been issued in your home country to rent a car in Japan. Driving a car in big cities like Tokyo can be expensive and inconvenient. With traffic jams and the possibility of car accidents, rental car insurance can offer protection in case something goes wrong.

You can purchase travel insurance with rental car coverage. Protection varies by provider so be sure to check the details when you buy travel insurance. Policies may cover the following:

• Collision damage
• Windshield protection
• Roadside protection
• Theft protection

In the case of a stolen or damaged vehicle, standard travel policies offer rental vehicle excess to help you manage the costs.

As an alternative to driving, you can purchase a rail pass and utilize Japan’s railway systems to get between major areas.

Trip Cancellation Insurance

If you have to call off your Japan trip before departure, trip cancellation insurance can protect you from financial loss. Trip cancellation insurance offers reimbursement for nonrefundable and prepaid travel expenses up to a certain amount. Here are some generally accepted reasons to file a cancellation claim:

• Dangerous weather conditions or natural disasters
• Hospitalization or serious illness
• Death of a family member
• Acts of terrorism

As previously mentioned, purchasing CFAR coverage will give you more flexibility with trip cancellations.

How Much Does Japan Travel Insurance Cost?

The cost of travel insurance for a Japan vacation can differ depending on your age, trip details and coverage preferences. For example, your price may vary depending on your trip length and duration. Plan options can include single-trip and annual multi-trip policies.

To find a Japan travel insurance quote, you’ll need to supply the following information:

• Number of travelers
• Age of each traveler
• Destination country and city
• Country of residence
• Total trip price
• Trip length

When calculating your total trip price, factor in flights and accommodation. There are many cheap travel insurance options available if it’s your first time visiting Japan and you’re on a budget.

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Japan. The below quotes are for a 30-year-old traveler from Florida, traveling to Japan for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

Each plan differs, but includes coverage for the following: 

• COVID-19 cancellation
• COVID-19 medical costs
• Cancellation coverage
• Trip interruption
• Medical evacuation
• Emergency medical coverage

How Do I Get Travel Insurance for Japan?

Before you purchase travel insurance, check to see what coverage you already have. For example, some credit cards offer travel insurance, and you should check to see if your health insurance extends abroad. Once you identify the coverage you already have, you can find a policy that fits your needs.

To ensure you get the best value for your money, it’s important to research and compare various trip insurance providers . Factor in your preferences and choose a policy with coverage tailored to you. Review policy exclusions and deductibles to see if it covers what you need and is in your budget.

Japan Safety Tips

Japan is considered a safe country to visit for tourists. When visiting the Land of the Rising Sun, safety concerns mainly revolve around natural disasters like earthquakes, landslides, tsunamis and typhoons. You can stay up to date on weather events by downloading Japanese disaster prevention apps on your mobile device.

Crime and Safety

By global standards, crime rates in Japan are extremely low . Theft is rare, and it is common to leave valuable items like laptops on tables in restaurants and cafes. Scams are unlikely, but can still occur in areas like Roppongi, Tokyo . Although risks are low, U.S. citizens should practice standard safety measures when traveling in Japan.

Day Trips, Tours and Excursions

A Japanese vacation offers opportunities for sightseeing and adventure. Whether you’re taking a day trip to Nara to see the wild deer or scuba diving on Miyako Island, buying travel insurance coverage can be a good idea. Japan travel insurance ensures peace of mind in case of unexpected injuries, medical expenses or emergencies. Some policies also cover gear and delays related to travel excursions, like hiking or golf.

As of May 2023, travelers are no longer required to show proof of vaccination or a negative COVID-19 test result to enter Japan . International travel is open and the country has fully lifted coronavirus restrictions.

The Bottom Line: Is Travel Insurance for a Japan Vacation Worth It?

Although you do not legally need travel insurance to enter Japan, it is worth considering for your trip. The country strongly recommends travel medical insurance or a plan that offers medical coverage for expenses related to COVID-19 or emergency medical care. A comprehensive travel insurance plan can also cover you against financial losses in the case of trip cancellation, travel delays or natural disasters.

To decide if travel insurance is worth it , factor in pre-existing medical conditions and the type of activities you plan on doing in Japan. We recommend getting quotes from at least three providers before purchasing a policy.

Frequently Asked Questions About Travel Insurance in Japan

Can i claim flight compensation for a trip to japan.

U.S. airlines are not required to compensate you if your flight is delayed or canceled for reasons outside the airline’s control. But you may be able to claim compensation if you buy travel insurance with trip cancellation or interruption coverage. We have put together an article on how to claim compensation if you experience travel interruptions while flying.

Can foreign visitors get health insurance in Japan?

Japan provides free health care to its citizens and expatriates, not short-term visitors. Japan has a universal health care system for foreigners staying longer than a year. But some private U.S. health insurance plans may offer coverage abroad, or you can purchase travel insurance with emergency medical coverage.

What if I get sick in Japan?

Head to an emergency hospital or health care center if you fall ill when visiting Japan. If you require urgent help, you can call an ambulance via 119.

Can I travel to Japan on my own?

Solo travel in Japan is largely considered safe . The country is among the safest in the world, and getting around major cities like Tokyo and Kyoto is easy thanks to the country’s efficient transport links. If you plan to hike or participate in adventure activities, advise somebody of your whereabouts

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If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

More Resources:

Best Travel Insurance for Japan: Complete Guide

Recommended For You

1. Atlas International

2. Safe Travels Cost Saver

3. Atlas Premium

4. Beacon International

Japan is a beautiful country with a rich culture and history. It is a popular travel destination for many reasons, including its stunning scenery, delicious food, and friendly people. Japan is also home to some of the world’s most iconic landmarks, such as Mount Fuji and the Tokyo Skytree. Whether you’re looking for an adventure-filled trip or a relaxing vacation, Japan has something to offer everyone.

No matter where you travel, it’s always important to have some form of travel insurance . This is especially true when visiting a country like Japan, which is known for its high costs of living.

There are many different travel insurance options available, so it’s important to do your research before choosing one. Here are three of the best travel insurance options for Japan.

Apply Online

In this article…

Do you need travel insurance for Japan?

Yes, you need travel insurance for Japan . The cost of medical care in Japan is very high, and if you are injured or become ill while in the country, you could be facing a very large bill.

Travel insurance will help to cover the cost of your medical care, as well as any other expenses that you incur as a result of an accident or illness. There are a few different options for travel insurance, so be sure to compare plans and find the one that best meets your needs.

💡 Tip: Buy travel health insurance before your trip.

Check out popular travel insurance plans and choose one that suits you.

Most plans only cost less than $20 a day.

What is travel medical insurance for Japan?

Travel medical insurance is designed to cover medical expenses incurred while traveling outside of your home country. It can provide coverage for hospitalization, doctor visits, emergency medical evacuation, and more. While not required, travel medical insurance is highly recommended for travelers to Japan.

There are a number of different travel medical insurance policies available, so it’s important to compare options and choose the one that best meets your needs.

Why is Atlas Travel Insurance great for your trip to Japan?

There are a few things to consider when choosing travel insurance, and Atlas Travel Insurance offers some great coverage for travelers to Japan. First, they offer comprehensive medical coverage, with a $0 deductible for any medical expenses you might incur while in Japan.

They also cover lost or stolen baggage, trip cancellation, and interruption, and have a 24/7 emergency assistance hotline. In addition, their policy covers natural disasters and political unrest, which can be helpful given the recent events in Japan.

Overall, Atlas Travel Insurance is a great option for anyone looking for comprehensive coverage for their trip to Japan.

How much does Atlas Travel Insurance cost?

Atlas Travel Insurance offers a variety of different travel insurance plans, all of which have different costs. The price of a plan depends on factors such as the length of your trip, your destination, and the level of coverage you choose. In general, Atlas Travel Insurance plans start at around $30 per person for a short-term trip. For a longer trip or for a destination with higher medical costs, the price of a plan will be higher.

What does travel insurance cover in Japan?

There are a few things to consider when purchasing travel insurance for your trip to Japan. First, you’ll want to make sure that your policy covers medical expenses in case you get sick or injured while you’re there.

Second, you’ll want to make sure that your policy covers trip cancellation or interruption in case you have to cancel your trip for any reason.

Finally, you’ll want to make sure that your policy covers lost or stolen luggage in case your belongings are lost or stolen while you’re in Japan. The three best travel insurance options for Japan are World Nomads, Travel Guard, and Allianz Global Assistance.

How much does travel insurance for Japan cost?

Travel insurance for Japan typically costs between $30 and $50 per person, depending on the length of your trip and the level of coverage you need.

The three best travel insurance options for Japan are World Nomads, Travelex, and Allianz Global Assistance. All three companies offer comprehensive coverage for medical expenses, lost or stolen belongings, trip cancellation, and more.

How do I make a claim on my travel insurance for Japan?

If you’re planning a trip to Japan, it’s important to make sure you have travel insurance. Travel insurance can help cover the cost of medical emergencies, lost or stolen belongings, and canceled or delayed flights . There are a few different types of travel insurance, so be sure to choose the one that best suits your needs. Once you have travel insurance, you can make a claim by contacting your insurer and providing them with the necessary documentation .

When making a claim on your travel insurance, you will need to contact your insurer or broker and provide them with all the relevant information about your trip and the incident that occurred. They will then assess your claim and determine if it is covered under your policy. If it is, they will provide you with a claim form to fill out and return. Once they have received your completed form, they will assess the cost of your claim and pay out the appropriate amount.

Exclusions in travel insurance for Japan

There are a few exclusions to be aware of when purchasing travel insurance for Japan. These include natural disasters, such as earthquakes and typhoons, as well as acts of terrorism.

Additionally, many policies will not cover you if you cancel your trip for any reason, so it’s important to read the fine print before purchasing. However, there are still plenty of great options for travel insurance for Japan, so be sure to shop around and find the best policy for your needs.

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Espunis in Japan

Japan Travel Insurance: Secure your Trip

When planning a trip to Japan, it’s important to consider travel insurance to cover any unexpected event or cost. Medical treatment and emergency transport can be expensive, especially in a foreign country. Choosing the right travel insurance coverage can be daunting, but we’ve got you covered. In this comprehensive guide, we’ll highlight why you need travel insurance, what to look for in policies, and our top recommended insurance companies for Japan.

Why do I need travel insurance for Japan?

When planning a trip to Japan, it’s crucial to consider purchasing travel insurance. While Japan is a safe country to visit, accidents and unforeseen events can happen, and it’s always better to be protected by insurance. There are several key reasons why travel insurance is essential for Japan.

Medical Expenses

One of the most significant reasons to purchase travel insurance in Japan is to get coverage for medical expenses. Visitors to Japan may face high medical costs if they get sick or injured. Medical services in Japan are relatively expensive compared to many other countries, and without travel insurance, expenses can rapidly add up. Therefore, purchasing travel insurance that includes medical coverage is highly recommended.

Cancellation and Trip Interruption

Travel insurance that includes cancellation and trip interruption coverage provides peace of mind for travelers heading to Japan. Unforeseen events such as illness, natural disasters, or transport strikes might cause significant interruptions to travel plans, and cancellation coverage can help mitigate additional expenses.

Lost or Stolen Luggage

Losing a suitcase or having items stolen while abroad can be incredibly stressful. Purchasing travel insurance that includes coverage for lost or stolen luggage can help ease concerns. These policies often include compensation for lost or stolen personal belongings, including passports and other essential documents.

Adventure Activities

Those interested in adventure activities while in Japan should purchase travel insurance that includes coverage for such activities to ensure they are adequately protected. Coverage is recommended for activities such as mountain climbing, skiing, and scuba diving, which can be dangerous if proper safety precautions are not taken.

Transportation in Case of Emergency

When traveling to Japan, it’s essential to keep in mind that access to medical treatment may be limited in remote areas. Additionally, transportation in Japan can be costly, especially in emergencies. Travel insurance that includes coverage for emergency transportation can provide peace of mind and cover the cost of transportation in case of an emergency. In conclusion, purchasing travel insurance for a trip to Japan is crucial. Travel insurance will protect against potential expenses incurred during a trip, and it is always better to be prepared. With coverage for medical expenses, trip interruption, lost or stolen luggage, adventure activities, and emergency transportation, the right travel insurance policy will ensure a safe and enjoyable trip to Japan.

How much does travel insurance for Japan cost?

One of the major concerns for travelers is how much to expect when it comes to travel insurance costs for Japan. There are various factors that come into play when determining the cost, and it is essential to understand these to make an informed decision.

Factors That Determine the Cost

Below are some of the factors that determine the cost of travel insurance:

• • Length of the trip.
• • Age of the traveler.
• • Type of coverage required.
• • Pre-existing medical conditions.
• • Risks and activities involved.
• • The amount of coverage and deductibles.

The longer the trip, the higher the cost of travel insurance. Insurance companies take into account the duration of the trip, and some set a maximum number of days for coverage.

Age is also a critical factor in calculating the cost. Usually, older travelers will pay more for travel insurance than younger ones since they are deemed to be at a higher risk of requiring medical attention.

It is also vital to consider the type of coverage required. Comprehensive travel insurance, which includes medical coverage and trip cancellation protection, will naturally cost more than trip cancellation-only coverage or medical-only coverage.

Pre-existing medical conditions can also influence the cost of travel insurance, as some companies may exclude coverage for such conditions or charge additional fees for coverage.

Riskier activities like skiing or hiking may increase the cost of travel insurance, as these are presumed to carry higher risks of injuries. Moreover, coverage amounts and deductibles also play a role when it comes to the cost of travel insurance since a higher coverage amount or lower deductible would result in a higher overall cost.

In conclusion, the final cost of travel insurance will depend on different variables and is ultimately up to the traveler to decide how much coverage is needed and how much they are willing to pay.

What should you look for in the best travel insurance for Japan?

When searching for the best travel insurance for your trip to Japan, it is important to focus on specific coverage areas. Here are some of the most crucial aspects of coverage to consider:

Coverage for Medical Expenses

A major reason for getting travel insurance is to cover any medical expenses that may arise on your trip to Japan. The best travel insurance policies should cover expenses such as hospitalization, emergency medical transport, and medication if the policyholder falls sick or gets injured on the trip. It is essential to read the policy carefully and ensure that it provides coverage for risks related to pre-existing medical conditions and covers any COVID-19 related medical expenses.

Coverage for Cancellation and Trip Interruption

One of the essential aspects of travel insurance is coverage for cancellation and interruption. In some cases, travelers may need to cancel or cut short their trip due to unforeseen circumstances like personal illness or an emergency at home. Good travel insurance policies will cover such situations, providing reimbursement for any non-refundable costs of the trip.

Coverage for Lost or Stolen Luggage

No one wants to have their luggage lost or stolen while traveling. However, it can happen. That’s why it is important to make sure that your travel insurance covers lost, stolen, or damaged luggage. The policy should provide coverage for replacement or reimbursement of the lost or stolen luggage or travel documents.

Coverage for Adventure Activities

Japan offers many adventure activities like skiing, snowboarding, and surfing. It’s essential to ensure that your travel insurance policy covers the hazardous activities you plan to partake in. Get a policy that includes coverage for these activities to avoid incurring extra costs in case of accidents.

Coverage for Transportation in Case of Emergency

Travel insurance policies should provide coverage for transportation in case of emergency. The policy should cover emergency transportation to the hospital or a medical facility near your location, as well as transportation to return home if you need to end your trip due to a covered reason. The coverage should include expenses related to air ambulance, helicopter, or other forms of transport depending on the location and type of emergency.

In conclusion, choosing the right travel insurance for your Japan trip is essential to ensure that you are protected against unforeseen events that may occur during your travels. Consider the coverage areas we mentioned above when comparing policies to find the right one for your needs.

Top recommended travel insurance companies for Japan

If you’re planning a trip to Japan, having travel insurance is a must to protect you from any unforeseen events during your visit. Here are our top recommended travel insurance companies for Japan:

Stay Sure insurance

• Covers medical expenses up to £2 million
• Covers theft or loss of luggage, including mobile phones and other devices
• Covers civil liability
• Covers adventure sports and hazardous activities
• Assistance in English, Spanish, German, French, Portuguese, Italian, and Dutch

Mondo insurance

• Covers medical expenses up to £5 million
• Covers cancellation and interruption of travel up to £6,000
• Covers lost or stolen luggage up to £2,000
• Assistance in English and Spanish

InterMundial insurance

• Covers cancellation or interruption of travel up to £10,000
• Covers lost or stolen luggage up to £1,000
• Covers emergency dental expenses up to £200

AXA Assistance

• Covers medical expenses up to £10 million
• Covers lost or stolen luggage up to £2,500
• Covers sports and hazardous activities
• Assistance in English

Chapka Insurance

• Covers lost or stolen luggage up to £3,000

When it comes to selecting a travel insurance policy for Japan, we recommend focusing on comprehensive coverage for medical expenses, trip cancellation or interruption, lost or stolen luggage, and civil liability. Additionally, consider your individual needs and any adventure activities you may be doing during your visit. The above recommended travel insurance companies are some of the best in the market, and they offer different add-ons and packages to suit your needs. Don’t skip this vital protection so that you can have a peaceful trip knowing you’re covered in the event of an emergency.

How to choose the right travel insurance coverage for your trip to Japan

Assess your needs.

Before selecting a travel insurance policy for your trip to Japan, you should assess your needs based on your travel itinerary and personal needs. Consider the following factors:

• The length of your trip
• Activities you plan to engage in, such as skiing or hiking
• Pre-existing medical conditions
• Traveling with valuable items

Taking these factors into account will help you narrow down which coverage options to consider.

Personalize your policy

After assessing your needs, you can customize your policy to fit your specific requirements. Most travel insurance policies have an array of coverage options, and you can choose which coverage options and limits you need. For example, if you’re traveling with valuable items, you might consider purchasing a policy with high baggage coverage limits or choosing a policy that covers theft or loss of valuable items. You should also ensure that your policy covers any pre-existing medical conditions you may have. Additionally, for adventure activities, you may need to add coverage specifically for those activities. Overall, it’s important to take your time when choosing a travel insurance policy for your trip to Japan, as it can make all the difference in case of an emergency.

Frequently asked questions about travel insurance for Japan

What is the best travel insurance for Japan in terms of medical coverage?

When travelling to Japan, it is important to have sufficient medical coverage in case of emergency. The best travel insurance for Japan regarding medical coverage is one that covers at least £5m in medical expenses. Some recommended companies for medical coverage in Japan are Seguros IATI, Seguros Mondo, and InterMundial. Additionally, you should look for a policy that covers emergency medical transportation, as this can be very expensive in Japan.

Does travel insurance for Japan cover COVID-19?

Yes, several insurance companies offer coverage for COVID-19 in Japan. Some of our recommended companies like Seguros IATI, Seguros Mondo, and InterMundial offer coverage for COVID-19-related medical expenses, including hospitalization and emergency medical transportation. Be sure to check with your travel insurance provider to see if COVID-19 insurance coverage is included.

Is it mandatory to have travel insurance for Japan?

While it is not mandatory to have travel insurance for Japan, it is highly recommended. Healthcare in Japan can be quite expensive, and without insurance, you could face significant out-of-pocket costs for medical treatment or transportation in the event of an emergency.

Do I need travel insurance for Japan if I already have a European Health Insurance Card?

If you are a citizen of the European Union and have a European Health Insurance Card (EHIC), you will be entitled to basic medical assistance in Japan. However, the EHIC does not cover all medical expenses, and it does not provide coverage for things like emergency medical transportation or trip cancellation. Therefore, it is still recommended to have additional travel insurance when visiting Japan, even if you have an EHIC. In conclusion, when traveling to Japan, it is crucial to have travel insurance to cover any unforeseen medical expenses, trip cancellations or interruption, or lost or stolen luggage. Be sure to assess your insurance needs, personalize your policy, and compare prices and coverage from reputable insurance providers. With the right travel insurance in place, you can enjoy your trip to Japan with peace of mind.

In conclusion, if you’re thinking of traveling to Japan, it’s really important to ensure you have insurance that offers sufficient protection . After doing a lot of research and considering various options, we’ve personally chosen the best insurance providers for this destination. We want to emphasize that none of these companies are sponsoring us; we genuinely recommend them because we truly believe in their top-notch quality and extensive coverage . Remember, unexpected things can occur at any moment, and having a trustworthy safety net can truly make a world of difference. Wishing you a fantastic trip and hoping you have an amazing experience in Japan!😉

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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.

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Japan Travel Insurance

• Get a Quote
• Renew/Extend Coverage
• Retrieve Quote

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Are you an international student or scholar, tell us about your travelers.

Easily renew or extend your coverage.

If you have saved a quote within the past 14 days you can quickly and easily retrieve the quote and add, modify and change information for that quote. In the top right corner of the quote you saved you will see a unique number.

Is Travel Insurance Required to Enter Japan?

Travel insurance for Japan is optional, but it is recommended that you have a travel insurance plan that covers medical expenses.

What do I need to enter Japan?

Prior to May 8, 2023 – Travelers must provide proof of triple COVID-19 vaccination OR a negative PCR test taken within 72 hours of departure.

Beginning May 8, 2023 – Testing and proof of vaccination are no longer required. At this time, “all border measures to prevent the spread of COVID-19 will be lifted,” according to Japan.travel .

Should I buy travel insurance for my trip to Japan?

When traveling outside of your home country, it is always a good idea to have travel medical insurance at a minimum. Many traditional health insurance plans only cover you when you are in your home country, and once you leave, you may be on the hook for any emergency medical expenses that come up. Travel medical insurance can help alleviate those costs when you become accidentally injured or ill while traveling.

We recommend purchasing a comprehensive trip cancellation insurance plan that provides emergency medical benefits along with additional coverage if something unforeseen occurs before or during your trip to Japan.

Do the trip cancellation plans from Trawick International cover COVID-19?

Yes, most of our plans treat COVID-19 like any other sickness.

Optional Cancel for Any Reason coverage:

On some trip cancellation plans, Trawick International offers Cancel for Any Reason (CFAR), which provides reimbursement for up to 75% of prepaid, nonrefundable payments made for your trip if you cancel your trip for any reason not otherwise covered by this policy - like border closures or travel bans. This coverage MUST be purchased with the initial policy and within 21 days of the initial trip deposit date, and the full, nonrefundable trip cost is insured. (This benefit is not available in every state).

Optional Interruption for Any Reason coverage:

Like CFAR, Interruption for Any Reason (IFAR) coverage is available on some trip cancellation plans as an option. IFAR provides reimbursement for up to 50% of prepaid, nonrefundable payments made for your trip if you leave your trip early for any reason not otherwise listed on your plan, even if it is just because you want to come home early. This coverage must also be purchased with the initial policy and within 21 days of the initial trip deposit date, and the full, nonrefundable trip cost is insured. (This benefit is not available in every state).

How much does travel insurance for Japan cost?

Travel insurance generally costs a small percentage of your trip cost. Trawick takes several factors into account to make sure the coverage and cost are based on your specific trip cost, age of travelers, trip duration, and other factors.Any optional benefits will add to the cost, as well.

When purchasing a plan with trip cancellation, we recommend that you include all non-refundable travel expenses so you can recover the investment in the event your trip is canceled or interrupted.  By bundling all your trip costs into one policy, you will be able to obtain the most coverage possible for your trip.

When should you buy travel insurance?

To maximize your benefits, we recommend purchasing travel insurance within 21 days of the initial trip deposit date and include all prepaid, nonrefundable trip costs. By doing this, you will be eligible for CFAR and financial default on select trip cancellation plans. Of course, you can still purchase travel insurance after 21 days, but you may not be eligible for certain time-sensitive travel benefits. 

What travel insurance is right for my trip to Japan?

Trawick International Customer Service is available 24 hours a day, 7 days a week to help answer questions, help you decide which plan is right for you, and give you a no-obligation travel insurance quote. They can also help if you have already purchased insurance but need to make a change to it. Please contact us by email, phone, or live chat right here on our website.

PLEASE NOTE: Guidelines may have changed since this was published. Before traveling, you should always check your destination's COVID-19 situation and travel requirements. Countries may have their own entry and exit requirements. Additionally, always check for travel advisories in the area to which you are traveling. Refer to https://www.cdc.gov/ and https://travel.state.gov/content/travel.html for up-to-date information and guidelines.

Privacy Policy

Trawick International’s Privacy Policy

Welcome to our website.  We appreciate your interest in us.  We take the privacy of our customers very seriously and are committed to protecting your privacy. This policy explains how we collect, use, and transfer your personal data, and your rights in relation to the personal data stored by us when you use our website or otherwise engage with our services.

Effective October 3, 2023

This policy sets out the following:

• What personal data we collect about you and how;
• How the data is used;
• Our legal basis for collecting your information;
• Who we share your data with;
• Where we transfer your information;
• How long we retain your information for;
• Your rights and choices in relation to the data held by us;
• How to make a complaint in relation to the data held by us;
• How to contact us with any queries in relation to this notice, or the personal data held by us.

Who is Trawick International?

Trawick International (“we,” “us,” or “our”) provides worldwide travel medical insurance, travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance, and many other products designed specifically for those traveling.  Our travel insurance programs are designed for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.  We offer an extensive worldwide network of quality physicians, hospitals, and pharmacies.  We cover employees, corporations, schools, frequent world travelers, international students, study abroad programs, missionary trips, and just the casual vacation traveler.  Our individually customized plans can cover hospital stays, doctor visits, x-rays, prescriptions, ambulance, emergency evacuation, repatriation, flight insurance, trip interruption, trip cancellation, trip delay, and lost baggage.   

For the purposes of European data protection laws, if you are visiting our  website www.trawickinternational.com (or otherwise engaging with our services from the European Economic Area (or "EEA"), the data controller of your information is Trawick International.

What is personal data?

In this privacy policy, references to "personal information" or "personal data" are references to information that relates to an identified or identifiable individual. Some examples of personal data are your name, address, email, and telephone number, but it may also include information such as your IP address and location in certain jurisdictions.

What personal data do we collect?

We collect personal data that you provide to us when you sign up for our services, such as your contact information and financial information. We may also collect commercial information based on how you interact with our services, such as the products or services you’ve purchased or other Internet or network activity, such as your website browsing history or mobile device information.

Below are some more details on the type of personal data we collect.

Information that is provided by you:

In order to provide services to you we may ask you to provide personal information. This may include, amongst other things, your name, email address, postal address, telephone number, gender, date of birth, passport number, bank account details, credit history and claims history, citizenship status, marital status depending on the service you are seeking. The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point at which we ask you for it or upon request.

Some of the information that you provide may be “special category” (or “sensitive”) personal data. Sensitive personal data relates to your racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health or data concerning a natural person’s sex life or sexual orientation, and can sometimes be inferred from other, non-sensitive, information that you have provided.

Information that we collect on our website:

When you visit our website, we will seek your consent to collect certain information from your device. In some countries, including countries in the EEA, this information may be considered personal information under applicable data protection laws.

Specifically, the information we are seeking to collect includes information like your IP address, device type, unique device identification numbers, browser type, broad geographic location ( e.g., country or city-level location) and other technical information. We may also collect information about how your device has interacted with our website, including the pages accessed and links clicked.

Collecting this information enables us to better understand visitors to our website, where they come from, and what content on our website is of interest to them. We use this information for our internal analytics purposes and to improve the quality and relevance of our website to our visitors.

Some of this information may be collected using cookies and similar tracking technology, as explained further under the heading “Cookies" below.

Information that we obtain from third party sources:

From time to time, we may receive personal information about you from third party sources but only where we have checked that these third parties either have your consent or are otherwise legally permitted or required to disclose your personal information to us.

For information about a third party’s usage and/or sharing of your personal data, please refer to the third party’s own privacy statement.

We may, where we are legally permitted to, also collect personal data from the following sources in order to provide services to you:

• Credit reference agencies;
• Anti-fraud and other databases;
• Government agencies;
• Electoral register;
• Court judgments;
• Sanctions lists;
• Family members; and
• In the event of an insurance claim: the other party to the claim, witnesses, experts, loss adjusters, solicitors, and claims handlers.

How is personal data used?

We may need to use your personal data in order to carry out the following activities:

• To set you up as a new client (including carrying out “know your customer” checks);
• To provide you with an insurance quote;
• To provide our products and services to you;
• To respond to your inquiries;
• To accept payments from you;
• To communicate with you about your policy;
• To renew your policy;
• To obtain reinsurance for your policy;
• To process insurance and reinsurance claims;
• For general insurance administration purposes;
• To comply with our legal and regulatory obligations;
• To model our risks;
• To defend or prosecute legal claims;
• To investigate or prosecute fraud;
• To respond to your enquiries; or
• To secure our network and our website, debug the website and repair errors;
• To conduct audits related to our interactions with you;
• To make our products and services better and to develop new products and services;
• To send you notices and information regarding our products or services, including notifying you about special promotions or offers, where we are legally permitted to do so; and
• Enforce our Terms and other usage policies and comply with legal requirements.

Our legal basis for collecting your information:

Our legal basis for collecting and using your personal data will depend on the personal data concerned and the specific context in which we collect it.

We will normally collect personal data where we need the information to provide you with our services / perform a contract with you, where the processing is in our legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms, or with your consent.

In some cases, we may use your personal data for a legal obligation, e.g., in order to complete “know your customer” and money laundering checks before taking you on as a new client.

If we ask you to provide personal information to comply with a legal requirement or to perform a contract with you, we will make this clear at the relevant time and advise you whether the provision of your personal information is mandatory (as well as of the possible consequences if you do not provide your personal information). You are under no obligation to provide personal data to us. However, if you should choose to withhold requested data, we may not be able to provide you with certain services.

Similarly, if we collect and use your personal information in reliance on our legitimate interests (or those of any third party), we will make clear to you at the relevant time what those legitimate interests are.

If you are a UK resident, we may collect and use your personal information, including sensitive personal information, on the basis of the insurance derogation in the UK Data Protection Act 2018.

If you are an EU resident, we may collect and use your personal information, including sensitive personal information, on the basis of the substantial public interest of insurance purposes, as regulated in the General Data Protection Regulation (GDPR).

If you have questions about or need further information concerning the legal basis on which we collect and use your personal information, please contact us using the contact details provided under the “Contact Us" section below.

Who is your personal data shared with?

We may disclose your personal information with the following categories of recipients.

• To our group companies, third party service providers and partners who provide data processing services (for example data hosting and storage companies, email marketing affiliates, and payment and claims processing companies) or who otherwise process personal information for purposes that are described in this Privacy Policy (see “How is personal data used?”).
• To any competent law enforcement body, regulatory, government agency, court or other third party where we believe disclosure is necessary (i) as a matter of applicable law or regulation, (ii) to exercise, establish or defend our legal rights, or (iii) to protect your vital interests or those of any other person;
• To a potential buyer (and its agents and advisers) in connection with any proposed purchase, merger or acquisition of any part of our business, provided that we inform the buyer it must use your personal information only for the purposes disclosed in this privacy policy;
• To any other person with your consent to the disclosure.

We do not sell (or exchange) your personal information for monetary compensation.

If you are a US resident, from time to time we may share your personal information with third parties for a third party’s own direct benefit and this type of sharing may be considered a sale under certain applicable laws. For more information on the type of information we may share in this manner, please contact us.

International Transfers

Your personal data may be transferred to, and processed in, countries other than the country in which you are resident. These countries may have data protection laws that are different to the laws of your country.

Specifically, the servers of Trawick International are located in the United States. Trawick International partners with many other international companies.  This means that when we collect your information, we may process it in other countries.

We have taken appropriate safeguards to require that your personal data will remain protected in accordance with this privacy policy. We have also taken appropriate  safeguards with our third party service providers and partners.

How long is personal information retained?

We will keep your personal data on our records for as long as we have an ongoing legitimate business need to do so. This includes providing you with a service you have requested from us or to comply with applicable legal, tax or accounting requirements. It also includes keeping your data for so long as there is any possibility that you or we may wish to bring a legal claim concerning our services, or where we are required to keep your data for legal or regulatory reasons. Please contact us using the contact details provided under the “Contact Us" section below should you require further information on our record retention procedures.

We may also retain your personal data where such retention is necessary in order to protect your vital interests or the vital interests of another natural person.

Your Rights as a Data Subject

You have the right to opt out of marketing communications we send you at any time. You can exercise this right by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are an EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

Similarly, if we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information that was lawfully collected on grounds other than consent.

You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws.

You may exercise any of your rights in relation to your personal data by contacting us using the details set out in the “Contact us” section at the bottom of this page.

If you are resident in the UK or EU, your principal rights under data protection law are as follows:

• the right to access;
• the right to rectification;
• the right to erasure;
• the right to restrict processing;
• the right to object to processing;
• the right to data portability;
• the right to complain to a supervisory authority; and
• the right to withdraw consent.

If you wish to access, correct, update or request deletion of your personal information, we will ask you to provide us with a copy of any two of the following documents: Driver’s license; Passport; Birth certificate; Bank statement (from the last 3 months); or Utility bill (from the last 3 months). With regards to your right of access, the first access request will be complied with free of charge, but additional copies may be subject to a reasonable fee.

In addition, you can object to processing of your personal information, ask us to restrict processing of your personal information or request portability of your personal information.

If we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent. You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

Contact details for other data protection authorities in the European Economic Area, Switzerland and certain non-European countries (including the US and Canada) are available  here .

If you are based in the UK or EU, you may exercise any of your rights in relation to your personal data by contacting us using email or you can use the details set out in the “Contact Us” section at the bottom of this page.

If you are resident in the US, applicable law may entitle you, upon verifiable request, to receive disclosures relating to:

• The categories and specific pieces of information we have collected;
• The categories of sources from which the personal information is collected;
• The business or commercial purpose for collecting personal information; and
• The categories of third parties with whom we share personal information.

If you wish to exercise any of the rights described above, we will ask you to verify your identity. We generally will not charge to reply to your request, but we may charge a reasonable fee or refuse your request if the request is unjustified or excessive.

Automated decision making

In some instances, our use of your personal information may result in automated decisions being taken (including profiling) that legally affect you or similarly significantly affect you.

Automated decisions mean that a decision concerning you is made automatically on the basis of a computer determination (using software algorithms), without our human review. For example, in certain instances we may use automated decisions to establish whether we will propose insurance coverage to a prospective insured. We have implemented measures to safeguard the rights and interests of individuals whose personal information is subject to automated decision-making.

When we make an automated decision about you, you have the right to contest the decision, to express your point of view, and to require a human review of the decision.

As mentioned above, we may use your personal data to send you marketing materials.

If you are a UK or EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are resident in the US, you do not need to opt-in to receive marketing materials from us, and you have the right to opt-out of receiving such communications. If you would like to stop receiving marketing information from us, please unsubscribe by clicking the “unsubscribe” link in the relevant marketing email or contacting us.

Trawick International is committed to keeping our customers’ data safe. We have security measures in place designed to protect against the loss, misuse, and/or alteration of personal data under our control. Although we cannot ensure or guarantee that loss, misuse, or alteration of data will not occur, we use our best efforts to prevent this. If you have any concerns that your Trawick International account or personal data has been put at risk, please contact us.

Our sites use cookies (a small piece of information that is placed on your computer when you visit certain websites) to distinguish you from other users, to track your browsing pattern and to build a profile of how you and other users use our sites. This helps us to provide you with a good experience when you browse any of our sites and also allows us to improve our sites. If you have an online account with us, we also use cookies to recognize you to pre-fill forms to save you time. Trawick International does not mandate cookies for you to access our sites and you may freely set your browser to reject all cookies or prompt you to accept or reject them. Some of the cookies we use are session cookies and only last until you close your browser, others are persistent cookies which are stored on your computer for longer. We may collect information through web beacons about your web browsing activities such as the address of the page you are visiting, the address of the referrer page you had previously visited, the time you are viewing the page, your browsing environment, and your display settings. We do this in order to optimize your browsing experience, the use of web-based services and provide you with relevant information on Trawick International products and services when you have opted-in to receiving such correspondence.

We will not respond to Web browser “do not track” signals. If you would like additional information about online tracking and various opt-out mechanisms, please see https://youradchoices.com/

Because we may link to social media sites, and from time to time may include third-party advertisements, other parties may collect your personally identifiable information about your online activities over time and across different web sites when you visit this Site.

Please note that not all tracking will stop even if you delete cookies.

Children's Data

Our websites and applications are not directed to children under 16 and we do not knowingly collect any personal information directly from children under 16. If you believe that we are processing personal information pertaining to a child inappropriately, we ask you to contact us using the information provided under the “Contact Us” section.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time in response to changing legal, technical, or business developments. When we update our Privacy Policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make. We will obtain your consent to any material Privacy Policy changes if and where this is required by applicable data protection laws.

You can see when this Privacy Policy was last updated by checking the “effective date” displayed at the top of this Privacy Policy.

Any changes will be effective only after the effective date of the change and will not affect any dispute arising prior to the effective date of the change.

If you have any questions about this Privacy Policy, please contact us using the following contact details:

Post Office Box 2284

Fairhope, Alabama USA 36533

Toll Free Telephone Number: +1 (888) 301-9289

Terms and Conditions of Use

Important information.

The information contained in this website is not intended to be an offer to sell or a solicitation in connection with any product or service by Trawick International Inc., in any jurisdiction where such an offer or solicitation would be unlawful or in which Trawick International, Inc., is not qualified to do so. Products and services described in this website may not be available in all jurisdictions. Not all insurance products described in this website are available to all persons in all States, Countries, or other jurisdictions at all times.

All products contain certain conditions, restrictions, limitations and eligibility requirements. The information contained in this website is not intended to be a complete description of all terms, exclusions and conditions applicable to the products and services. For complete terms, exclusions and conditions applicable to the products offered please contact Trawick International .

By using this website, you agree to the terms of its use. If you do not agree to these terms, PLEASE DO NOT USE THIS WEBSITE. For additional information or questions, please contact Trawick International or your independent insurance broker or agent.

TERMS & CONDITIONS OF USE

Effective Date: October 6, 2023

INTRODUCTION

THESE TERMS & CONDITIONS OF USE (“T&C”) GOVERN YOUR USE OF TRAWICK INTERNATIONAL, INC.’S (“COMPANY”, “WE”, “OUR”, OR “US”) WEBSITE LOCATED AT WWW.TRAWICKINTERNATIONAL.COM OR OTHER WEBSITES CONTROLLED BY COMPANY AND ITS AFFILIATES AS WELL AS ANY DOCUMENTS EXPRESSLY INCORPORATED BY REFERENCE AND ANY RULES AND POLICIES PUBLISHED ON THIS WEBSITE (THE “WEBSITE”).

BY ACCESSING THIS WEBSITE, YOU AGREE TO THE T&C, REVISIONS, AND MODIFICATIONS. ALL CHANGES ARE EFFECTIVE IMMEDIATELY UPON POSTING, AND APPLY TO ALL ACCESS TO AND USE OF THE WEBSITE THEREAFTER. ANY CHANGES WILL NOT EFFECT ANY DISPUTES ARISING PRIOR TO THE EFFECTIVE DATE OF THE CHANGE. WE MAY SEND YOU NOTICES WITH RESPECT TO THE WEBSITE IN VARIOUS MEDIUMS, INCLUDING BY EMAIL ADDRESS, POSTAL MAIL, AND/OR BY POSTING ON THE WEBSITE.

ARBITRATION NOTICE: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE “ARBITRATION AND CLASS ACTION WAIVER” SECTION BELOW, AND IF YOU DO NOT OPT-OUT AS SET FORTH IN THAT SAME SECTION, YOU AGREE THAT DISPUTES BETWEEN YOU AND COMPANY OR ITS AFFILIATES WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION, AND YOU WAIVE YOUR RIGHT TO BRING OR RESOLVE ANY DISPUTE AS, OR PARTICIPATE IN, A CLASS, CONSOLIDATED, REPRESENTATIVE, COLLECTIVE, OR PRIVATE ATTORNEY GENERAL ACTION OR ARBITRATION.

ACCESS TO THIS WEBSITE

To access the Website or some of its resources, you may be asked to provide certain personal details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete.

In addition, certain other services of the Website, such as applying for coverage, may be governed by additional or different terms and conditions. You should carefully review those terms and conditions as they are referenced and/or presented to you.

We reserve the right to withdraw, amend, disable or suspend this Website, and any service or material we provide on the Website, in our sole discretion with or without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of the T&C.

Your privacy matters to us. Your use of the Website is also subject to our Privacy Policy that is available online here (“Privacy Policy”) and is incorporated into and made a part of these Terms of Use. The Privacy Policy is subject to change, and you are encouraged to review the Privacy Policy whenever you supply the Website with any information because you agree that Company can collect, use, and share your information consistent with that policy.

RESTRICTIONS ON USE

You may use this Website only for your internal, non-commercial purposes. You agree not to use this Website in any way that violates any applicable federal, state, local or international law or regulation. You further agree to maintain and update your registration data as needed to keep it accurate, current and complete. You may not use this Website or any of the content, defined below, contained on it for any other purpose, including any unpermitted commercial purpose, unless we provide our prior written consent to such use.

Uses requiring our prior written consent include the following, without limitation:

• Co-branding this Website;
• Framing this Website;
• Using any robots, scrapers, spiders, data mining tools, or any similar device, tool, software, or process;
• Hyper-linking to specific product or coverage information; or
• Reselling or remarketing the content, as defined below.

"Co-branding" means displaying a name, logo, trademark or other means of attribution or identification of any party in a manner reasonably likely to give a user the impression that the other party has the right to display, publish or distribute this Website or its content. You will cooperate fully with Company and its affiliates in causing any unpermitted or unauthorized activity of yours or a third party authorized by you to cease immediately. To the extent that such unpermitted or unauthorized use continues after notice from Company or its affiliates, you agree to pay or reimburse us for any and all costs (including attorney fees if applicable) associated with ending or terminating such use.

You agree not to impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using e-mail addresses associated with any of the foregoing).

PROHIBITED USES AND ACTIONS

Additionally, you specifically agree not to:

• decompile, reverse engineer, disassemble, modify, reduce the Website to human perceivable form or create derivative works based upon the Website or any part thereof;
• disable any licensing or control features of the Website;
• “frame” the Website or any portion thereof or otherwise cause the Website or its contents to appear to be provided by anyone except Company and its affiliates;
• merge the Website or materials with another program or create derivative works based on the Website or materials;
• remove, obscure, or alter any notice of the copyright or other proprietary legends on the Website or materials;
• sublicense, assign, translate, rent, lease, lend, resell for profit, distribute or otherwise assign or transfer the materials or access to the Website to others;
• use the Website by means of any automated program, expert system, electronic agent or “bot,” and shall not give any person or entity access to the Website;
• utilize any “scraping,” copying, republishing, licensing, or selling the data or information on the Website.

PURCHASES AND PAYMENT

Company accepts a variety of payment methods as reflected on the Website. Before you can submit a request for purchase using the Website, you may be required to provide a valid card number and associated information for a payment card that you are authorized to use, including any of or all of the following: (i) your name as it appears on the card; (ii) the credit or debit card type, (iii) the card’s expiration date; (iv) any activation numbers or codes needed to charge your card; and (v) the billing address or zip code or postal codes associated with your card. You authorize Company and/or its affiliates, payment processor to use information you submit to charge your card or other payment method for the price of purchase requested, in addition to any taxes, fees, and charges as described in the T&C, at our convenience, including as early as at the time of the purchase request is submitted.

PROPRIETARY INFORMATION & TRADE SECRETS

The material and content accessible from this Website and any other website Company or its affiliates owns, operates, licenses or controls (the “content”) is the proprietary information of Company and its affiliates or the party that provided the Content to us, and Company and its affiliates or such party retains all right, title and interest in the content. Accordingly, the Content may not be copied, distributed, republished, uploaded, posted, rented, leased, distributed, modified or transmitted in any way without the prior written consent of Company and its affiliates, except that you may print out a copy of the content solely for your own personal use. In doing so, you may not remove or alter, or cause the removal or alteration of, any copyright, trademark, trade name, service mark or any other proprietary notice or legend appearing on any of the content. Modification or use of the content, except as expressly provided herein, may violate Company’s and its affiliates’ intellectual property rights or a third party’s rights. Neither title nor intellectual property rights in the content are transferred or licensed to you by these Terms or your access of this Website.

Certain information provided to you by Company or its affiliates through non-public portions of the Website may be confidential or trade secret information. You may use or disclose such information only to the extent necessary for the purposes it was disclosed to you. You may not use the Website to circumvent the terms of any referral agreement or in any other manner that is not consistent with the business purpose of the Website. When reasonable, you must return or destroy such information when you have fulfilled such purpose.

INTELLECTUAL PROPERTY

Company and its affiliates (or the party that provided to Company) are the owner or licensee of all intellectual property rights on the Website (including trademarks, service marks and logos) and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved, and we or those parties retain all rights with respect to such respective marks. In accessing the Website you agree that you will access its contents and use it solely for your personal, non-commercial use. The Website, including its contents, may not be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes downloading, copying and/or printing of pages of the Website for personal, non-commercial home use only.

The Company’s name and logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this Website, without prior written permission. You are not authorized to use our logo as a hyperlink to this Website unless you obtain our written permission in advance, although we permit you to use certain designated features of the Website to use our logo as a hyperlink for designated purposes. You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.

Except as provided below, none of the materials of the Website may be copied, distributed, displayed, downloaded, or transmitted in any form or by any means without the prior written permission of Company and its affiliates or the intellectual property right owner. Unauthorized use of any materials contained on this Website may violate copyright laws, trademark laws, the laws of privacy and publicity, and/or other regulations and statutes. If you believe that any of the materials infringe on any of your intellectual property rights or rights of others, please contact us immediately at the address provided below. Except as expressly provided herein, Company and its affiliates and the third parties reserve all rights with respect to the Materials, and may pursue all legally available options under both civil and criminal laws (and may cooperate with law enforcement agencies) in the event of any violations, including but not limited to the right to terminate accounts of any user who has infringed a third party’s copyright. Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to the Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL NOT RECEIVE A RESPONSE.

HYPER-LINKS

We may hyper-link from the Website to other websites that are not maintained by, or related to, Company or its affiliates. Such hyper-links are provided as a service to you, and the other websites may not be officially sponsored by or affiliated with this Website or Company and its affiliates. Such other websites are solely responsible for their content. We are under no obligation to maintain any link on this Website and may remove any such link at any time in its sole discretion for any reason whatsoever. Access hyper-links and third party websites at your own risk.

COMPANY AND ITS AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE CONTENT OF HYPER-LINKED OR THIRD-PARTY WEBSITES. SUCH HYPER-LINKS ARE PROVIDED TO YOU “AS-IS” “WHERE IS,” AND WE SPECIFICALLY DISCLAIM ANY WARRANTIES WITH REGARD TO COMPLETENESS OR ACCURACY OF THESE HYPER-LINKS OR THE WEBSITES THAT ARE HYPER-LINKED TO THIS WEBSITE. THE INCLUSION OF ANY HYPER-LINK TO A THIRD-PARTY WEBSITE DOES NOT NECESSARILY IMPLY ENDORSEMENT BY OR AFFILIATION WITH COMPANY AND ITS AFFILIATES OF THAT WEBSITE.

SOCIAL MEDIA FEATURES

This Website may provide certain social media features that enable you to:

• link from your own or certain third-party websites to certain content on this Website.
• send e-mails or other communications with certain content, or links to certain content, on this Website.
• cause limited portions of content on this Website to be displayed or appear to be displayed on your own or certain third-party websites.

You may use these features solely as they are provided by us and solely with respect to the content they are displayed with and otherwise in accordance with any additional terms and conditions we provide with respect to such features. Subject to the foregoing, you must not:

• establish a link from any website that is not owned by you.
• cause the Website or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site.
• link to any part of the Website other than the homepage.
• otherwise take any action with respect to the materials on this Website that is inconsistent with any other provision of these Terms of Use.

You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice. We may disable all or any social media features and any links at any time without notice in our discretion.

SUBMISSIONS

You hereby grant to Company and its affiliates the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display all stories, anecdotes, “Similes,” content, remarks, suggestions, ideas, graphics, inventions, methods, process, algorithms or other information communicated to us through this Website (collectively, the “Submission”), and to incorporate any Submission into other works in any form, media or technology now known or later developed. We may use any submission in our business (including without limitation, for products or advertising) without incurring any liability for royalties or any other additional consideration of any kind, and will not incur any liability as a result of any similarities to the submission that may appear in our future operations. By providing a Submission, you warrant that you have the right to provide the Submission and that all moral rights in the Submission have been waived.

COMPANY AND ITS AFFILIATES CANNOT AND DOES NOT GUARANTEE OR WARRANT THAT ANY FILES AVAILABLE FOR DOWNLOADING FROM THE INTERNET ARE FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT MAY HAVE CONTAMINATING OR DESTRUCTIVE PROPERTIES. YOU ARE RESPONSIBLE FOR IMPLEMENTING SUFFICIENT PROCEDURES AND CHECKPOINTS TO SATISFY YOUR PARTICULAR REQUIREMENTS FOR SECURITY, FOR ACCURACY OF DATA INPUT AND OUTPUT, AND FOR MAINTAINING A MEANS EXTERNAL TO THIS WEBSITE FOR RECONSTRUCTING LOST DATA. WE DO NOT ASSUME ANY RESPONSIBILITY OR RISK FOR YOUR USE OF THE INTERNET OR THE WEBSITE.

USE THIS WEBSITE AT YOUR OWN RISK. EXCEPT AS MAY BE EXPRESSLY STATED IN OTHER APPLICABLE TERMS AND CONDITIONS OR SIMILAR AGREEMENT, THE CONTENT IS PROVIDED “AS IS” AND "AS AVAILABLE" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. WE DISCLAIM ALL WARRANTIES INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT ANY FUNCTIONS OR CONTENT CONTAINED IN THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE OF THE CONTENT OR RESULTS THEREOF IN TERMS OF ACCURACY, RELIABILITY OR OTHERWISE EXCEPT FOR THE PERSON AND/OR FOR THE USE INTENDED. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND WE MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT COMPANY AND ITS AFFILIATES, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS WEBSITE OR THE CONTENT. WE MAKE NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUME NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

BY ACCESSING THIS WEBSITE, YOU UNDERSTAND THAT YOU MAY BE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED, AND IN ACCORDANCE WITH SUCH WAIVER, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND, AND HEREBY EXPRESSLY WAIVE, THE BENEFITS OF SECTION 1542 OF THE CIVIL CODE OF CALIFORNIA, AND ANY SIMILAR LAW OF ANY STATE OR TERRITORY, WHICH PROVIDES AS FOLLOWS: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR."

The descriptions of products and services contained on this Website are intended to provide a reference guide to the types of products and services offered by Company and its affiliates and are not intended to be relied upon by clients or business partners. Some products and services referenced on this Website may not be available in all areas. Please contact us directly if you wish to obtain specific information concerning the products and services referenced on this Website. All of the information in this Website, whether historical in nature or forward-looking, speaks only as of the date the information was posted on this Website, and we do not undertake any obligation to update such information or to remove such information from this Website, if it is not or is no longer accurate or complete.

LIMITATION ON LIABILITY

TO THE EXTENT PERMITTED BY LAW OR REGULATION, COMPANY AND ITS AFFILIATES, ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER DAMAGES, INCLUDING LOSS OF USE, REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES THAT RELATES IN ANY WAY TO THE USE OF OUR WEBSITE OR WHICH MAY ARISE OUT OF ANY PERSON'S ACCESS OR INABILITY TO ACCESS THIS WEBSITE OR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. TO THE EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COLLECTIVE LIABILITY OF COMPANY AND ITS AFFILIATES AND ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID TO COMPANY OR ITS AFFILIATES FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, COMPANY’S LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW IN SUCH STATE OR JURISDICTION WHICH YOU HEREBY CONSENT TO.

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Company and its affiliates, its subsidiaries, licensors, content providers, service providers, employees, agents, officers, directors and contractors (the “Indemnified Parties”) from any breach of these T&C by you, including any use of the content other than as expressly authorized herein, and any claim that your submission violates a third party’s intellectual property or other rights, including the rights of publicity and privacy, or defames a third party. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses and attorneys’ fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the content and this Website.

INFORMATION YOU PROVIDE

You may not post, send, submit, publish or transmit in connection with the Website any material that:

• you do not have the right to post, send, submit, publish or transmit, including any proprietary material of a third party;
• advocates illegal activity or discusses an intent to commit an illegal act;
• is vulgar, obscene, pornographic or indecent;
• does not pertain directly to the Website;
• threatens or abuses others; or libels, defames, invades privacy or stalks; or is racist, harassing, threatening or offensive;
• seeks to exploit or harm minors or older adults by exposing them to inappropriate content, asking for personally identifiable details or otherwise;
• infringes any intellectual property right or other right of any entity or person, including violating anyone’s copyrights or trademarks, or their rights of privacy or publicity;
• violates any law or may be considered to violate any law;
• impersonates or misrepresents your connection to any other entity or person, or otherwise manipulates headers or identifiers to disguise the origin of the content;
• advertises any commercial endeavor (e.g., products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners or soliciting goods or services, or any combination thereof) except as may be specifically authorized on this Website;
• solicits funds, advertisers or sponsors;
• includes programs that contain viruses, worms, Trojan horses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software, hardware or telecommunications or any combination thereof;
• amounts to a "pyramid" or similar scheme;
• disobeys any policy or regulations established from time to time regarding use of this Website or any networks connected to this Website; or
• contains hyper-links to other websites that contain content that falls within any description set forth above.

WE RESERVE THE RIGHT TO MONITOR USE OF THIS WEBSITE IN ORDER TO DETERMINE COMPLIANCE WITH THESE TERMS OF USE, AND RESERVES THE RIGHT TO REMOVE OR REFUSE ANY INFORMATION FOR ANY REASON. NOTWITHSTANDING THESE RIGHTS, YOU REMAIN RESPONSIBLE SOLELY FOR THE CONTENT OF YOUR SUBMISSIONS. YOU ACKNOWLEDGE AND AGREE THAT NEITHER COMPANY AND ITS AFFILIATES NOR ANY THIRD PARTY THAT PROVIDES CONTENT TO US WILL ASSUME OR HAVE ANY LIABILITY FOR ANY ACTION OR INACTION BY US OR SUCH THIRD PARTY WITH RESPECT TO ANY SUBMISSION OF YOURS. EXCEPT AS EXPRESSLY PROVIDED HEREIN, COMPANY AND ITS AFFILIATES AND THE THIRD PARTIES RESERVE ALL RIGHTS WITH RESPECT TO THE WEBSITE, AND MAY PURSUE ALL LEGALLY AVAILABLE OPTIONS UNDER BOTH CIVIL AND CRIMINAL LAWS (AND MAY COOPERATE WITH LAW ENFORCEMENT AGENCIES) IN THE EVENT OF ANY VIOLATIONS.

ARBITRATION AND CLASS ACTION WAIVER

PLEASE READ THE FOLLOWING SECTION CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE CERTAIN DISPUTES AND CLAIMS AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM COMPANY. Excluding claims for injunctive or other equitable relief, for all other claims related to the Website, including any goods or services purchased through the Website, any dispute or controversy arising out of or relating to this Agreement, including without limitation, any and all disputes, claims (whether in tort, contract, statutory or otherwise) or disagreements concerning the existence, breach, interpretation, application or termination of this Agreement shall be resolved by final and binding arbitration pursuant to the Federal Arbitration Act and in accordance with the JAMS Inc. Comprehensive Arbitration Rules & Procedures then in effect. There shall be no right or authority for any claims to be arbitrated on a class action basis. The arbitration shall take place in Fairhope, Alabama or at the option of the party seeking relief, by telephone, online, or via written submissions alone; however such election shall not prohibit Company from attending such an arbitration in person. Said arbitration shall be administered by JAMS. The arbitral tribunal (“Tribunal”) shall be composed of one arbitrator, who shall be independent and impartial. If the parties fail to agree on the arbitrator within twenty (20) calendar days after the initiation of an arbitration hereunder, JAMS shall appoint the arbitrator. The arbitration shall be conducted in the English language. The decision of the arbitrator will be final and binding on the parties, subject to all rights of appeal allowed by JAMS. Judgment on any award(s) rendered by the arbitrator may be entered in any court having jurisdiction thereof. The arbitrator shall have the authority to determine arbitrability of any disputes arising out of or relating to this Agreement. Nothing in this Section shall prevent either party from seeking immediate injunctive relief from any court of competent jurisdiction, and any such request shall not be deemed incompatible with the agreement to arbitrate or a waiver of the right to arbitrate. The parties undertake to keep confidential all awards in their arbitration, together with all confidential information, all materials in the proceedings created for the purpose of the arbitration and all other documents produced by the other party in the proceedings and not otherwise in the public domain, save and to the extent that disclosure may be required of a party by legal duty, to protect or pursue a legal right or to enforce or challenge an award in legal proceedings before a court or other judicial authority. The arbitrator shall award all fees and expenses, including reasonable attorney’s fees, to the prevailing party. Any judgment rendered by the arbitrator may be entered in any court of competent jurisdiction.

You may choose to opt out of the agreement to arbitrate by mailing a written opt-out notice (“Notice”) to Company. The Notice must be postmarked no later than thirty (30) days after the date you accept these T&C for the first time. The Notice must be mailed to: Trawick International, Inc., Post Office Box 2284 Fairhope, Alabama USA 36533, to the attention of General Counsel. This procedure is the only mechanism by which you can opt out of the agreement to arbitrate. Opting out of the agreement to arbitrate has no effect on any other parts of this Agreement, or any previous or future arbitration agreements that you have entered into with Company or its affiliates.

GOVERNING LAW

These Terms of Use are governed and interpreted by the laws of Alabama, United States of America notwithstanding any principles of conflicts of law. We make no representation that materials on this Website are appropriate or available for use in other locations. Those who choose to access this Website from other locations do so on their own initiative and are responsible for compliance with applicable local laws.

If you are a consumer, the provisions in these T&C are intended to be only as broad and inclusive as is permitted by the laws of your State of residence. If you are a New Jersey consumer, the terms of “Disclaimer” and “Limitation of Liability” sections above do not limit or waive your rights as a consumer under New Jersey law and the provisions in this Agreement are intended to be only as broad and inclusive as is permitted by the laws of the State of New Jersey. In any event, we reserve all rights, defenses and permissible limitations under the law of your State of residence.

At this Website, Company and its affiliates make no active effort to collect personal information from individuals under the age of eighteen (18). We require that Website users must be of legal age to enter into agreements (typically, at least eighteen (18) years of age or older).

NOT A SECURITY OFFER

The information contained on this Website is not an offer to sell or a solicitation to buy any security. No security is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction.

SEVERABILITY

If any part of the T&C is unlawful, void or unenforceable, that part will be deemed deleted and will not affect the validity and enforceability of any remaining provisions. The waiver of a breach of any provision of the T&C by a party will not operate or be construed as such party’s waiver of any other or subsequent breach. The T&C constitute the entire agreement between you and Company and its affiliates relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this Website will govern the items to which they pertain.

EMPLOYMENT OPPORTUNITIES

Company and its affiliates are an equal opportunity employer, dedicated to a policy of non-discrimination in employment on any basis including race, color, age, sex, religion, disability or national origin. Consistent with the American Disabilities Act, applicants may request accommodations needed to participate in the application process.

For further information, or inquiries about the T&C, please contact:

Trawick International, Inc. Attn: General Counsel Post Office Box 2284 Fairhope, Alabama USA 36533 Toll Free: (888) 301-9289

NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

NOTE: THE FOLLOWING INFORMATION IS PROVIDED EXCLUSIVELY FOR NOTIFYING THE SERVICE PROVIDERS REFERENCED BELOW THAT YOUR COPYRIGHTED MATERIAL MAY HAVE BEEN INFRINGED. ALL OTHER INQUIRIES WILL NOT RECEIVE A RESPONSE THROUGH THIS PROCESS.

Pursuant to Title 17, U.S. Code, Section 512(c)(2), written notification must be submitted to the following Designated Agent/Service Provider:

Trawick International, Inc. Fairhope, Alabama USA 36533

Name of Agent Designated to Receive Notification of Claimed Infringement: Daryl Trawick

Full Address of Designated Agent to Which Notification Should be Sent: Post Office Box 2284 Fairhope, Alabama USA 36533

Telephone Number of Designated Agent: (888) 301-9289

To Be Effective, the Notification Must Include the Following:

• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
• Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
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Travel insurance

Best travel insurance companies of June 2024

Amy Fontinelle

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 2:16 p.m. UTC June 7, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best travel insurance company of 2024 , based on our in-depth analysis of travel insurance policies. Its Atlas Journey Elevate plan gets the top score in our rating because of the extensive coverage it provides for the price. It offers best-in-class emergency medical and evacuation benefits, as well as high limits for baggage insurance.

Best travel insurance of 2024

• WorldTrips : Best travel insurance.
• Travel Insured International : Best for emergency evacuation.
• TravelSafe : Best for missed connections.
• Aegis : Cheapest travel insurance.
• Travelex : Best for families.
• AIG : Best for add-on coverage options.
• Nationwide : Best for cruise itinerary changes.

Why trust our travel insurance experts

Our travel insurance experts evaluate hundreds of insurance products and analyze thousands of data points to help you find the best trip insurance for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Travel insurance quotes comparison

Best travel insurance companies, best travel insurance.

Top travel insurance plans

Average cost, medical limit per person, why it’s the best.

If you’re looking for the best travel insurance for international travel , WorldTrips’ Atlas Journey Elevate plan gives you $250,000 in travel medical insurance with primary coverage. This plan is a good option if health insurance for international travel is a priority. It also has $1 million in emergency evacuation coverage. 

See our full WorldTrips travel insurance review .

Pros and cons

• $250,000 in primary medical coverage.
• $1 million per person in medical evacuation coverage.
• Primary damage or loss baggage coverage of $500 per item, up to $2,500.
• 5 optional upgrades, including pet care, adventure sports and rental car damage and theft.
• No non-medical evacuation coverage.

Customer reviews

WorldTrips has a rating of 4.27 stars out of 5 on Squaremouth, based on 428 reviews of policies purchased through the travel insurance comparison site since 2008. 

Heidi’s expert take:   “WorldTrips offers primary coverage for emergency medical expense and for baggage damage or loss. This means the insurer will pay for your claim first and then seek recovery from any responsible third party, such as your health insurance provider, airline or homeowners insurance company (if your belongings are stolen). Travel insurance with secondary medical coverage might be cheaper, but then you’d have to file claims with third parties yourself, before you could turn to your travel insurance for help.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for emergency evacuation

Travel insured international.

Top travel insurance plan

If you’re traveling to a remote area, consider Travel Insured International’s Worldwide Trip Protector. It has the best travel insurance for emergency evacuation of travel insurance policies in our rating. This top travel insurance plan provides up to $1 million in emergency evacuation coverage per person and $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits.

• Only plan in our rating that offers $150,000 in non-medical evacuation coverage.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person is only available for cruises and tours.

Travel Insured International has a rating of 4.39 stars out of 5 on Squaremouth, based on 3,402 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “The Worldwide Trip Protector plan provides rare non-medical evacuation benefits of up to $150,000. If you’re traveling to an area at risk of a political, security or national disaster, this emergency evacuation coverage could help get you back to safety.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for missed connections

TravelSafe offers good travel insurance for missed connections , with $2,500 in missed connection coverage for each person on the plan.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of our best-rated travel insurance plans.
• No “interruption for any reason” coverage option.
• Weak baggage delay coverage of $250 per person after 12 hours.

TravelSafe has a rating of 4.3 stars out of 5 on Squaremouth, based on 1,506 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you miss out on prepaid vacation plans because you didn’t make a connecting flight, you’ll be glad for the $2,500 missed connection coverage. Some policies only provide missed connection coverage for cruises and tours, but TravelSafe Classic doesn’t impose that restriction.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Cheapest travel insurance

Go Ready Choice by Aegis has the most affordable travel insurance of the best-rated travel insurance companies in our rating. This is based on the average cost of seven international trips of varying lengths and values for travelers of different ages.

See our full Aegis travel insurance review .

• Cheapest of our best trip insurance plans.
• Pet care benefit of $500 under travel delay benefits.
• Low emergency medical and evacuation limits.
• Low missed connection benefit of $500 per person for cruises and tours only.
• Low baggage and personal items loss benefit of $500 per person.

Aegis has a rating of 4.06 stars out of 5 on Squaremouth, based on 1,111 reviews of policies purchased on the travel insurance comparison site since 2013.

Heidi’s expert take:   “If you’re looking for a  budget travel insurance policy , Go Ready Choice may fit the bill. It has comparably low coverage limits, but if you have health insurance that will cover you on your trip, its $50,000 in secondary medical coverage may be sufficient.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for families

Top-scoring plan

Travelex Insurance Services has the best travel insurance for families because you can add kids aged 17 and younger to your Travel Select plan at no additional charge.

See our full Travelex travel insurance review .

• Free coverage for children 17 and under on the same policy.
• Robust travel delay coverage of $2,000 per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Low emergency medical coverage of $50,000 per person.
• Non-medical evacuation is not included.
• Low baggage delay coverage of $200 requires a 12-hour delay.

Travelex has a rating of 4.43 stars out of 5 on Squaremouth, based on 2,048 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you’re traveling with kids, a Travelex policy will cover them, too. The number of children you can add to your policy is unlimited and they’ll get travel protection at no additional cost.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for add-on coverage options

Travel Guard Preferred from AIG allows you to customize your policy with a host of available upgrades, making it the best traveler insurance for add-on options . These include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings.

There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million. This is a good option if you’re looking for foreign travel health insurance.

See our full AIG travel insurance review .

• Bundle upgrades allow you to customize your travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Heidi’s expert take: “You can add riders to your AIG travel insurance policy to maximize your coverage. Choose from these bundles: adventure sports, medical, pet, quarantine, security and wedding. You may also want to add “cancel for any reason” coverage and rental vehicle damage coverage.”  Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for cruise itinerary changes

Nationwide’s Choice Cruise is good travel insurance for cruises . It has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion.

Choice Cruise also has a missed connections benefit of $1,500 per person after only a 3-hour delay when you’re taking a cruise or tour. But note that this coverage is secondary coverage to any compensation provided by a common carrier.

See our full Nationwide travel insurance review .

• Benefits for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Missed connection coverage of $1,500 per person for tours and cruises, after a 3-hour delay.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” upgrade available.

Nationwide has a rating of 4.02 stars out of 5 on Squaremouth, based on 570 reviews of policies purchased on the travel insurance comparison site since 2018.

  Heidi’s expert take: “This plan has protections for cruisers when it comes to prepaid expenses. But its emergency medical coverage is secondary, which means you’d have to file medical claims with your health insurance company first. Since U.S. health insurance won’t help you at sea, you may want to look for cruise travel insurance with primary medical coverage instead.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Compare the best travel insurance plans

Via Compare Coverage’s website

Heidi’s expert take: “Here are my tips on how to buy travel insurance that gets you the most coverage for the lowest price: Buy early . Getting travel insurance within two weeks of making your first trip deposit may qualify you for coverage of pre-existing medical conditions, and it won’t cost you any extra.  Look for primary emergency medical coverage . If you buy a plan with secondary coverage, you’ll have to file a claim with your health insurance first, even if you know it will be denied.  Don’t overinsure . Calculate the value of only your prepaid, nonrefundable trip expenses that are not already covered by other insurance (like credit card travel insurance or health insurance, if your coverage extends to where you are traveling). Even if this value is $0, you can still buy travel insurance for the travel medical insurance benefits, and you’ll only be paying for the insurance you need.  Understand exclusions . If you are planning to go scuba diving, for instance, make sure this adventure activity is not excluded from a policy’s coverage. If so, you may need to pay for a rider or shop for another plan that offers the coverage you need.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

What is the best travel insurance?

The best travel insurance for international travel is sold by WorldTrips, according to our in-depth trip insurance comparison.

The best travel insurance plan for you will depend on the trip you are planning and the coverage areas that are most important to you.

• Best cruise travel insurance
• Best COVID travel insurance
• Best “cancel for any reason” travel insurance
• Best senior travel insurance

Best travel insurance for cruises

The best cruise travel insurance is Atlas Journey Preferred sold by WorldTrips . This plan offers solid travel insurance for cruises for a low rate.

Best travel insurance for COVID-19

The best COVID travel insurance is the Trip Protection Basic plan sold by Seven Corners . It is a relatively low cost travel insurance plan with optional “cancel for any reason” coverage that reimburses up to 75% of your prepaid, nonrefundable trip expenses.

Best travel insurance for “cancel for any reason” 

The best “cancel for any reason” (CFAR) travel insurance is Seven Corners’ Trip Protection Basic. Adding CFAR coverage to a RoundTrip Basic plan only increases the cost by about 40%, which is lower than other plans we analyzed. For the extra cost, you get coverage of 75% of your prepaid, nonrefundable trip expenses, as long as you cancel at least 48 hours before your scheduled departure.

Best travel insurance for seniors

The best senior travel insurance is the Gold plan sold by Tin Leg . It is an affordable travel insurance plan with travel medical primary coverage of $500,000 and a pre-existing conditions waiver if you insure the full amount of your trip within 14 days of your first trip deposit.

How much is travel insurance?

The average cost of travel insurance is 5% to 6% of your prepaid, nonrefundable trip costs . 

How much you pay for travel insurance will depend on:

• The cost of your trip.
• Your destination.
• The length of your trip. 
• The ages of travelers being insured.
• Your state of residence.
• The travel insurance policy you choose.
• The total coverage amounts in your policy.
• Any travel insurance add-ons you select. 

Here are average travel insurance rates for a 30-year-old female who is insuring a 14-day trip to Mexico.

Looking to save? Discover cheap travel insurance options.

How much travel insurance should I buy?

Travel insurance companies typically offer several plans with varying maximum limits. The higher the coverage limits, the more you’ll pay for travel insurance. 

Squaremouth, a travel insurance comparison site, recommends the following coverage limits for international travel: 

• Emergency medical coverage: At least $50,000. 
• Medical evacuation coverage: At least $100,000. 

If you’re going on a cruise, or to a remote location, Squaremouth recommends: 

• Emergency medical coverage: At least $100,000. 
• Medical evacuation coverage: At least $250,000.

When evaluating travel insurance plans, our team of insurance analysts considered the best medical travel insurance policies to have at least $250,000 in emergency medical coverage and at least $500,000 in medical evacuation coverage. 

When should I buy travel insurance?

The best time to buy travel insurance is within two weeks of making your first nonrefundable travel payment, whether it’s for a plane ticket, hotel stay, cruise or excursion. 

Travel insurance costs the same whether you buy it early or last minute, and buying it early has added benefits: 

• You may be able to add on “ cancel for any reason” (CFAR) coverage , an upgrade that is typically only available for a limited time after you’ve started paying for your trip. 
• You may qualify for a pre-existing medical conditions exclusion waiver, meaning your pre-existing conditions will be covered by travel insurance. This waiver is generally added to your policy automatically, provided you buy the travel insurance within a certain window after your first trip deposit.
• You will be covered over a longer period of time for unforeseen events that could cause you to cancel your trip, such as medical emergencies, inclement weather and natural disasters. 

Expert tip: You can buy travel insurance up to the day before you leave on your trip, but waiting may cost you the opportunity to qualify for a pre-existing conditions exclusion waiver or to buy a “cancel for any reason” upgrade.

Where can I buy travel insurance?

You can buy a travel insurance plan:

• Online. Visit a travel insurance company’s website to buy a policy directly or use a comparison website like Squaremouth or Travelinsurance.com to see your options and compare plans. You may also be able to purchase travel insurance online through an airline, cruise, hotel, rental car company or other provider you book a ticket with.
• In person. A travel agent or insurance agent may be able to assist you in buying travel insurance.

Travel insurance trends in 2024

Americans are changing the way they travel and this includes buying travel insurance when they might have skipped it in the past. As spending on trips continues to rise , travelers have more to lose if their plans are disrupted. 

Based on travel insurance quote requests on the Squaremouth website last month, these are the main benefits travelers are looking for in a travel insurance policy.

*Source: Squaremouth.com. Travel insurance quote filter usage from April 28 to May 28, 2024.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

• $3,000, 8-day trip to Mexico for two travelers age 30.
• $3,000, 8-day trip to Mexico for two travelers age 70.
• $6,000, 17-day trip to Italy for two travelers age 40.
• $6,000, 17-day trip to Italy for two travelers age 65.
• $15,000, 17-day trip to Italy for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to France for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to the U.K. for four travelers ages 40, 40, 10 and 7.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

If you’d like to dig in deeper, head over to our travel insurance ratings methodology page.

Best travel insurance FAQs

According to our analysis, WorldTrips has the best trip insurance. Two of its plans — Atlas Journey Explore and Atlas Journey Elevate — get 5 stars in our rating.

The best travel insurance policy for you will depend on what type of coverage you need. With so many different policies and carriers, the policy that was best for your friend’s trip to California might not be ideal for your trip to Japan. If you’re looking for the best travel insurance for international travel, you may be willing to pay more for higher coverage levels.

A comprehensive travel insurance plan bundles several types of travel insurance coverage, each with its own limits. To ensure you have adequate financial protection for your trip, your travel insurance policy should include the following travel insurance coverages:

• Trip cancellation . With trip cancellation insurance , you’re covered if you need to call off your trip because of a reason listed in your policy, such as unexpected illness, injury or death of you, a family member or a travel companion, severe weather, jury duty and your travel supplier going out of business. 
• Travel delay. Once your trip has started, travel delay insurance reimburses you for unexpected expenses you incur after a minimum delay, such as five hours. It can cover needs like airport meals, transportation and even overnight accommodation. 
• Trip interruption. If you need to cut your trip early for a reason listed in your policy, trip interruption insurance can reimburse you for any prepaid, nonrefundable payments you’ll lose by leaving early. It can also pay for a last-minute one-way ticket home. 
• Travel medical . Emergency medical benefits are especially important if you need international health insurance for travel outside of the country. Your domestic health insurance may provide limited coverage once you leave the U.S. The best travel medical insurance pays for ambulance service, doctor visits, hospital stays, X-rays, lab work and prescription medication you may require while traveling. 
• Emergency medical evacuation. If you’re traveling to a remote area, or planning excursions such as boating to an island, emergency medical evacuation coverage is a good idea. This coverage pays to transport you to the nearest adequate medical facility if you are injured or sick while traveling. 
• Baggage delay. After a certain waiting period, such as six or 12 hours, this coverage will reimburse you for necessities you need to buy to tide you over while you wait for your bag to arrive. Be sure to save your receipts and look at your coverage limit, as some caps are low, like $200. 
• Baggage loss. Baggage insurance can reimburse you if your bag never arrives, or if your personal belongings are stolen during your travels. Coverage limits apply here, as well as exclusions for certain items such as electronics.  

“Typically, travelers are expected to pay their expenses out of pocket, and then file a claim for reimbursement,” said James Clark, spokesperson for Squaremouth. “However, there are medical situations in which a provider may be required to pre-authorize payment to make sure the policyholder receives the treatment they need.”

According to Clark, “Providers can pre-authorize payment for medical care and emergency evacuations. With that said, every circumstance is unique, and providers will handle each situation on a case-by-case basis.”

Travel insurance covers your prepaid, nonrefundable trip costs — as well as extra money you may need to spend due to unforeseen circumstances and emergencies — both before and during your trip.

Travel insurance coverage varies by plan, but in general travel insurance covers costs associated with these problems: 

• Bankruptcy of a travel insurance company, such as your airline or tour operator. 
• Dangerous weather conditions.
• Delayed and lost luggage.
• Illness or death in your family that requires you to stay home or cut your trip short.
• Illness that needs medical attention.
• Injury requiring medical evacuation.
• Jury duty. 
• Travel delays and missed connections.
• Theft of your personal belongings while traveling.
• Unexpected job loss. 

Travel insurance policies often exclude or limit “foreseeable” losses. Typical travel insurance exclusions include:

• Accidents or injuries caused by drinking or drug use.
• Canceling your trip because you changed your mind.
• Ending your trip early because you changed your mind.
• Losses caused by intentional self harm, including suicide.
• Losses due to war, civil disorder or riots.
• Medical tourism.
• Medical treatment for pre-existing conditions.
• Mental health care.
• Natural disasters that begin before you buy travel insurance.
• Non-medical evacuation.
• Normal pregnancy. 
• Medical treatment related to high-risk activities.
• Routine medical care, such as physicals or dental care.
• Search and rescue.

Your U.S. health insurance may provide little or no coverage in foreign countries. Check with your health insurance company to see if you have any global benefits and ask how they work. If your health care does extend across the border, the benefits it provides abroad may not be the same benefits it provides domestically. 

Medicare usually won’t pay for health care outside of the United States and its territories, so older travelers planning an international trip should look into the best senior travel insurance with robust medical benefits. 

The best time to buy travel insurance is immediately after booking your trip and making a nonrefundable payment — in other words, as soon as you’re at risk of losing money. This way, you’ll know the total cost that you need to insure and you’ll have the longest window to take advantage of your policy’s benefits if something goes wrong.

You can’t wait until something goes wrong and then buy travel insurance to get reimbursed for your loss. Travel insurance only covers unexpected losses.

Travel insurance companies can decline to cover travel to certain countries. For example, you may find that some trip insurance companies don’t offer coverage to countries with a Level 4: Do Not Travel advisory from the U.S. State Department. 

Travel insurance policies also frequently exclude certain risks that you’re more likely to encounter in Level 4 or Level 3 countries. For example, your policy may not cover losses related to declared or undeclared wars or acts of war or losses related to known or foreseeable conditions or events. 

Some credit cards , such as the Chase Sapphire Preferred® Card , offer benefits such as trip cancellation and interruption insurance, baggage delay insurance and trip delay reimbursement when you use your card to pay for your trip.

Ask your credit card issuer for your card’s benefits guide to see what coverage you may have. Keep in mind that it may not cover all the risks you want to protect against, such as the cost of international health care or emergency medical evacuation .

Business travel insurance makes sense if you are self-employed and paying for your own travel expenses, or if you are traveling internationally and want medical coverage abroad.

You might also consider buying travel insurance for a business trip if your company won’t cover extra expenses if your flight is delayed or you need to head home early.

Cruise travel insurance can help protect you financially if you need emergency medical care in a remote location, or if a delayed flight causes you to miss embarkation and you need to pay extra to catch up to your cruise.

Experts caution that travel insurance you buy through a cruise line may not be as comprehensive as plans you can buy directly from travel insurance companies.

Some travel insurance plans cover rental cars as an optional upgrade, for an additional cost. The 5-star rated travel insurance companies in our rating offer these optional rental car benefits:

• Travel Insured International — Rental car damage and theft coverage of $50,000.
• WorldTrips — Rental car damage and theft coverage of $50,000 with a $250 deductible. 

Travel insurance typically only covers a single trip, although your insured trip can have multiple destinations. 

If you’re looking to insure several trips in the same year, annual travel insurance may be a good option for you.

Travel insurance may be required, depending on the country you plan to visit. But it’s smart to consider buying a travel insurance policy for international travel, even when it is not required. A good travel insurance policy can protect you financially if you need emergency medical assistance when traveling, or if you need to cut your trip short and buy a last-minute plane ticket home because an immediate family member is ill. 

Wondering if travel insurance is worth it? What travel insurance covers

Editor’s Note: This article contains updated information from previously published stories:

• Spirit Airlines scrubs 60% of its Wednesday flights, says cancellations will drop ‘in the days to come.’
• 'Just a parade of incompetency': Spirit Airlines passengers with 'nightmare' stories want more than apology, $50 vouchers
• ‘This is not our proudest moment’: Spirit Airlines CEO says more flight cancellations expected this weekend
• Hurricane Irma: Flight cancellations top 12,500; even more expected
• Is an annual travel insurance policy right for you?
• How 2020 and COVID-19 changed travel forever – and what that means for you
• COVID-19 or delta variant have you ready to scrap your trip? Here’s how to cancel like a pro
• Sunday: Snow is over, but flight cancellations top 12,000
• After nearly 13,000 Harvey cancellations, Irma is new threat to airline flights
• What’s the difference between travel insurance and trip ‘protection’?
• How to choose the right travel insurance for your next vacation
• Travel insurance can save the day
• Angry passengers brawl after Spirit cancels flights
• What to do when travel insurance doesn’t work
• How lockdowns, quarantines and COVID-19 testing will change summer travel in 2021
• Travelers will pay and worry more on summer vacation this year. But they won’t cancel
• How to find a hotel with COVID testing and quarantine facilities wherever you travel
• Yearning to travel in 2022? First, figure out your budget – then pick a destination
• Pro tips for surviving a long flight during a pandemic: Get the right mask, bring a pillow
• Want to steer clear of contracting COVID-19 on your next vacation? Follow these guidelines
• Post-pandemic travel: Is it OK to ask another passenger’s vaccine status or request they mask up?
• These days, forgetting these important travel items could cost you thousands of dollars
• International travel hacks: When to book flights and hotels, how to deal with COVID-19 rules
• Traveling post-coronavirus: How do you book your next trip when so much remains uncertain?
• The COVID-19 guide to holiday travel – and the case for why you shouldn’t go this year
• Should you travel during the holidays? Americans struggle with their decision
• ‘There’s still pent-up demand’: What you should know about fall travel
• Planning for life after coronavirus: When will we know it’s safe to travel again?
• ‘Busiest camping season’: Travelers choose outdoor recreation close to home amid COVID-19 pandemic
• Considering a camping trip this summer? Tips to make sure your gear is good to go
• RVing for the first time? 8 tips for newbies I wish I’d known during my first trip
• Five myths about travel agents
• Should I buy travel insurance?
• Is travel insurance stacked against you?
• Five myths about travel insurance and terrorism
• These eight things could get your travel insurance claims rejected
• There’s a good chance that your credit card already gives you some kind of travel insurance coverage
• How to avoid a hotel cancellation penalty
• Change fees and travel insurance continue to rise

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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With regards to visa inquiries, you can contact “Foreign Residents Support Center (FRESC) MOFA Visa Information” or “the Japan Visa Information Hotline” listed on the website of the Embassy or Consulate General of Japan. Due to the complex nature of visa requirements, we are UNABLE to respond to visa-related inquiries made through this website at the moment. We advise you to contact the Consular Section of the Embassy or Consulate General of Japan nearest you for more information and advice.

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Review on restrictions on new entry of foreign nationals into Japan

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Statistics for the Number of Visas

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Relaxation of Visa Requirements

• Visa Waiver Measure for Nationals of the Federative Republic of Brazil in Possession of Ordinary Passports(September 30, 2023)
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Travel Health Notices

Search By Country Name or Disease

CDC uses Travel Health Notices (THNs) to inform travelers about global health risks during outbreaks, special events or gatherings, and natural disasters, and to provide advice about protective actions travelers can take to prevent infection or adverse health effects.

A THN can be posted for: 1) a disease outbreak (higher number of expected cases) in a country or region, 2) sporadic cases of a disease in an unusual or new geographic location, 3) natural and human-made disasters with severe environmental health risks, or infrastructure damage that would limit healthcare services availability and 4) mass gathering events that can lead to disease outbreaks. See types of travel notices .

Level 4 - Avoid All Travel

• Currently there are no Travel Health Notices at this level.

Level 3 - Reconsider Nonessential Travel

Level 2 - practice enhanced precautions.

• There is an outbreak of mpox in 25 out of 26 provinces, including urban areas, in the DRC.Mpox in the Democratic Republic of the Congo438 Updated   Mpox in the Democratic Republic of the Congo June 10, 2024 There is an outbreak of mpox in 25 out of 26 provinces, including urban areas, in the DRC. Read More >>
• There is an outbreak of chikungunya in the Malé and Hulhumalé regions of Maldives. Mosquitoes spread the virus that causes chikungunya.Chikungunya in Maldives761 Chikungunya in Maldives May 28, 2024 There is an outbreak of chikungunya in the Malé and Hulhumalé regions of Maldives. Mosquitoes spread the virus that causes chikungunya. Read More >>
• Some international destinations have circulating poliovirus. Before any international travel, make sure you are up to date on your polio vaccines. Country List : Afghanistan, Algeria, Benin, Cameroon, Central African Republic, Chad, Côte d'Ivoire (Ivory Coast), Democratic Republic of the Congo, Madagascar, Malawi, Mozambique, Niger, Nigeria, Pakistan, Somalia, Yemen, Indonesia, Sudan, Mali, Botswana, Zambia, Republic of the Congo , Burundi, Burkina Faso, Kenya, Tanzania, including Zanzibar, Guinea, Mauritania, Egypt, Zimbabwe, Angola, Liberia, Senegal, Sierra LeoneGlobal Polio734 Global Polio May 23, 2024 Some international destinations have circulating poliovirus. Before any international travel, make sure you are up to date on your polio vaccines. Destination List: Afghanistan, Algeria, Angola, Benin, Botswana, Burkina Faso, Burundi, Cameroon, Central African Republic, Chad, Côte d'Ivoire (Ivory Coast), Democratic Republic of the Congo, Egypt, Guinea, Indonesia, Kenya, Liberia, Madagascar, Malawi, Mali, Mauritania, Mozambique, Niger, Nigeria, Pakistan, Republic of the Congo, Senegal, Sierra Leone, Somalia, Sudan, Tanzania, including Zanzibar, Yemen, Zambia, Zimbabwe Read More >>
• There are confirmed and suspect cases of diphtheria in several regions in Guinea. Vaccination against diphtheria is essential to protect against disease. If you are traveling to an affected area, you should be up to date with your diphtheria vaccines.Diphtheria in Guinea751 Diphtheria in Guinea April 23, 2024 There are confirmed and suspect cases of diphtheria in several regions in Guinea. Vaccination against diphtheria is essential to protect against disease. If you are traveling to an affected area, you should be up to date with your diphtheria vaccines. Read More >>
• There is an outbreak of chikungunya in Timor-Leste.Chikungunya in Timor-Leste759 Chikungunya in Timor-Leste April 05, 2024 There is an outbreak of chikungunya in Timor-Leste. Read More >>
• Yellow fever cases remain elevated in Nigeria, after an outbreak was first reported in November 2020. Travelers to Nigeria should take steps to prevent yellow fever by getting vaccinated at least 10 days before travel and taking steps to prevent mosquito bites.Yellow Fever in Nigeria392 Yellow Fever in Nigeria March 28, 2024 Yellow fever cases remain elevated in Nigeria, after an outbreak was first reported in November 2020. Travelers to Nigeria should take steps to prevent yellow fever by getting vaccinated at least 10 days before travel and taking steps to prevent mosquito bites. Read More >>
• There is an outbreak of diphtheria in Niger. If you are traveling to an affected area, you should be up to date with your diphtheria vaccines.Diphtheria in Niger752 Diphtheria in Niger February 25, 2024 There is an outbreak of diphtheria in Niger. If you are traveling to an affected area, you should be up to date with your diphtheria vaccines. Read More >>
• There is an outbreak of diphtheria in several states in Nigeria. Vaccination against diphtheria is essential to protect against disease. If you are traveling to an affected area, you should be up to date with your diphtheria vaccines.Diphtheria in Nigeria 740 Diphtheria in Nigeria February 16, 2024 There is an outbreak of diphtheria in several states in Nigeria. Vaccination against diphtheria is essential to protect against disease. If you are traveling to an affected area, you should be up to date with your diphtheria vaccines. Read More >>

Level 1 - Practice Usual Precautions

• There are outbreaks of Oropouche fever in parts of Brazil, Bolivia, Peru, Colombia, and Cuba. Travelers to affected areas should take steps to avoid bug bites. Country List : Brazil, Bolivia, Peru, Colombia, CubaOropouche Fever in the Americas758 Updated   Oropouche Fever in the Americas June 05, 2024 There are outbreaks of Oropouche fever in parts of Brazil, Bolivia, Peru, Colombia, and Cuba. Travelers to affected areas should take steps to avoid bug bites. Destination List: Bolivia, Brazil, Colombia, Cuba, Peru Read More >>
• Many international destinations are reporting increased numbers of cases of measles. Country List : Afghanistan, Angola, Benin, Cameroon, Central African Republic, Chad, Côte d'Ivoire (Ivory Coast), Democratic Republic of the Congo, Djibouti, Ethiopia, Gabon, India, Indonesia, Liberia, Niger, Nigeria, Pakistan, Republic of the Congo , Senegal, Somalia, Republic of South Sudan, Sudan, Tajikistan, Togo, Yemen, Zambia, Nepal, Kyrgyzstan, Armenia, Mauritania, Lebanon, Equatorial Guinea, Syria, Ghana, Kazakhstan, Burkina Faso, Turkey, Qatar, United Arab Emirates, Libya, Burundi, Romania, Malaysia, Russia, Azerbaijan, Sri Lanka, Uzbekistan, Philippines, Austria, BelarusGlobal Measles743 Global Measles May 28, 2024 Many international destinations are reporting increased numbers of cases of measles. Destination List: Afghanistan, Angola, Armenia, Austria, Azerbaijan, Belarus, Benin, Burkina Faso, Burundi, Cameroon, Central African Republic, Chad, Côte d'Ivoire (Ivory Coast), Democratic Republic of the Congo, Djibouti, Equatorial Guinea, Ethiopia, Gabon, Ghana, India, Indonesia, Kazakhstan, Kyrgyzstan, Lebanon, Liberia, Libya, Malaysia, Mauritania, Nepal, Niger, Nigeria, Pakistan, Philippines, Qatar, Republic of South Sudan, Republic of the Congo, Romania, Russia, Senegal, Somalia, Sri Lanka, Sudan, Syria, Tajikistan, Togo, Turkey, United Arab Emirates, Uzbekistan, Yemen, Zambia Read More >>
• The Hajj, or pilgrimage to Mecca, Saudi Arabia, is one of the world’s largest mass gatherings. Mass gatherings, such as Hajj or Umrah, can increase the risk for infections such as meningococcal disease.Meningococcal Disease in Saudi Arabia - Vaccine Requirements for Travel During the Hajj and Umrah Pilgrimages146 Meningococcal Disease in Saudi Arabia - Vaccine Requirements for Travel During the Hajj and Umrah Pilgrimages May 20, 2024 The Hajj, or pilgrimage to Mecca, Saudi Arabia, is one of the world’s largest mass gatherings. Mass gatherings, such as Hajj or Umrah, can increase the risk for infections such as meningococcal disease. Read More >>
• Dengue is a risk in many parts of Asia and the Pacific Islands. Some countries are reporting increased numbers of cases of the disease. Travelers to Asia and the Pacific Islands can protect themselves by preventing mosquito bites. Country List : Sri Lanka, Cambodia, Indonesia, Laos, Singapore, Fiji, SamoaDengue in Asia and the Pacific Islands429 Dengue in Asia and the Pacific Islands May 16, 2024 Dengue is a risk in many parts of Asia and the Pacific Islands. Some countries are reporting increased numbers of cases of the disease. Travelers to Asia and the Pacific Islands can protect themselves by preventing mosquito bites. Destination List: Cambodia, Fiji, Indonesia, Laos, Samoa, Singapore, Sri Lanka Read More >>
• Dengue is a risk in many parts of Africa and the Middle East. Some countries are reporting increased numbers of cases of the disease. Travelers to Africa and the Middle East can protect themselves by preventing mosquito bites. Country List : Sudan, Burkina Faso, Mali, Ethiopia, MauritiusDengue in Africa and the Middle East428 Dengue in Africa and the Middle East May 16, 2024 Dengue is a risk in many parts of Africa and the Middle East. Some countries are reporting increased numbers of cases of the disease. Travelers to Africa and the Middle East can protect themselves by preventing mosquito bites. Destination List: Burkina Faso, Ethiopia, Mali, Mauritius, Sudan Read More >>
• Dengue is a risk in many parts of Central and South America, Mexico, and the Caribbean. Some countries are reporting increased numbers of cases of the disease. Travelers to the Americas can protect themselves by preventing mosquito bites. Country List : Colombia, Guatemala, Nicaragua, Panama, Guadeloupe, Martinique (France), Costa Rica, French Guiana (France), Mexico, Brazil, Paraguay, Argentina, Peru, Ecuador, including the Galápagos Islands, Uruguay, Curaçao, Guyana, HondurasDengue in the Americas427 Dengue in the Americas May 16, 2024 Dengue is a risk in many parts of Central and South America, Mexico, and the Caribbean. Some countries are reporting increased numbers of cases of the disease. Travelers to the Americas can protect themselves by preventing mosquito bites. Destination List: Argentina, Brazil, Colombia, Costa Rica, Curaçao, Ecuador, including the Galápagos Islands, French Guiana (France), Guadeloupe, Guatemala, Guyana, Honduras, Martinique (France), Mexico, Nicaragua, Panama, Paraguay, Peru, Uruguay Read More >>
• There have been reports of Rocky Mountain spotted fever (RMSF) in people traveling to the United States from Tecate, in the state of Baja California, Mexico.Rocky Mountain Spotted Fever in Mexico 756 Rocky Mountain Spotted Fever in Mexico March 12, 2024 There have been reports of Rocky Mountain spotted fever (RMSF) in people traveling to the United States from Tecate, in the state of Baja California, Mexico. Read More >>
• An outbreak of extensively drug-resistant (XDR) typhoid fever in Pakistan is ongoing. Extensively drug-resistant infections do not respond to most antibiotics.XDR Typhoid Fever in Pakistan397 XDR Typhoid Fever in Pakistan June 16, 2023 An outbreak of extensively drug-resistant (XDR) typhoid fever in Pakistan is ongoing. Extensively drug-resistant infections do not respond to most antibiotics. Read More >>
• Some travelers who have spent time in Mexico have been infected with multidrug-resistant (MDR) Salmonella Newport. Salmonella Newport in Mexico732 Salmonella Newport in Mexico March 29, 2023 Some travelers who have spent time in Mexico have been infected with multidrug-resistant (MDR) Salmonella Newport. Read More >>

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