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Finding the Right Travel Insurance for Japan

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

It isn’t mandatory to have travel insurance before coming to Japan, but we’d highly recommend it. Uninsured healthcare in Japan can be expensive, and the healthcare system can be hard to navigate without professional support. Also, Japan is prone to earthquakes and typhoons, and no matter how careful you are, accidents can happen. For a stress-free trip, it’s worth having travel insurance in place before you land.

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

Insurance providers at a glance

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

You are ready for the adventure of a lifetime in Japan! What could possibly go wrong? A lot, actually.

Apart from the obvious travel disasters (think lost luggage, pinched passports or canceled flights), getting sick abroad is, unfortunately, a possibility—and one you’d be well-advised to insure yourself against. Especially with the difficulties COVID-19 caused with travel, you’ll want to be sure now more than ever.

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

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

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

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

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

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

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

COVID-19, Japanese encephalitis and other health concerns

In light of the coronavirus (COVID-19) pandemic, many travelers are understandably worried about their upcoming travel plans. Since restrictions have mostly been lifted, you don’t need to worry too much about it affecting your travel. That being said, it’s still a good idea to check whether your plan will cover any potential COVID-19 related expenses.

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

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

Travel insurance for Japan: What should your policy cover?

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

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

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

Comparing Japan insurance options for different types of travelers

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

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

Travel medical insurance: SafetyWing

SafetyWing offers travel medical insurance at affordable rates, starting from approximately US$57 for four weeks, for travelers under 40.

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

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

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

A safe bet: Travelex

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

Another option for Southeast Asians: FWD

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

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

Another option: Atlas International

Starting at approximately US$ 23.00 for a two-week trip to Japan, Atlas International is available to citizens of most countries. They offer you the option to play with the sliders, so you can e.g. add a deductible to bring down the premium or push up the cover if you are happy to pay a bit more.

AIG Travel Guard: Choose what you need

One big benefit of AIG Travel Guard insurance is the ability to adapt the plan to your needs. Offering four tiers of cover, you can choose whether you want ironclad protection, to incidental cover. The second tier, Essential Cover, starts at US$ 56.08 for a week trip, and is fairly rugged. It offers a healthy amount of medical cover, and also covers travel issues like delays or cancellations.

On the go? Insured Nomads

One more for the long-term travellers among us. For longer stays, up to six months, it’s worth looking into Digital Nomad insurance. This insurance is aimed at visitors staying the country for several months and working remotely. One provider is Insured Nomads , who offer reasonable rates 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: Allianz Travel offers three different levels of coverage from Bronze to Silver, with varying premiums and covers. Available to residents of Singapore. --> SafetyWing has a higher premium for those over 39 years of age. Travelex is a US insurer, but available for global citizens. Conditions may vary by country of residence, age and—notably—the total value of your trip that you want to insure. FWD is available to citizens of 10 Asian countries and regions: Singapore, Malaysia, Cambodia, Indonesia, Vietnam, Thailand, the Philippines, Hong Kong, Japan and Macau, though the available insurance products differ by location.

Japan travel insurance FAQs

You ask, we answer.

What happens if I get sick as a tourist in Japan?

The Japanese healthcare system doesn’t use generalists, so you’ll need to find a specialist doctor that deals with your issue. Of course, you’ll want somewhere that speaks English, which is why we’ve compiled a handy guide of some popular English speaking clinics in Tokyo .

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. They’ll hopefully speak English, but if not, we also have a 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 better specialists. They’ll arrange a letter of referral, and will give you instructions about when and where to go, or even arrange transportation. Follow their instructions, and keep your insurance to hand for the next institution. At some point during your care, you’ll be asked for them.

Is travel insurance required for Japan?

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

How much is travel insurance to Japan?

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

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

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

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

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

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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.

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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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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.

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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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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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.

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.

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Guide to Travel Insurance

Get the best protection while you're in japan.

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

Benefits for Japan visitors

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

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

Protection from natural disasters

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

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

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

Finding an insurance plan

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

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

Travel insurance providers

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

Atlas Travel Insurance

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

Safety Wing

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

World Nomads

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

• Essential Guides

Serena Ogawa @serena.ogawa

Associate Editor for Japan Travel.

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Why You Need Travel Insurance For Japan

We recommend buying travel insurance before you come to Japan. Be sure to get a policy that covers not only medical care, but also lost luggage, cancelled hotel and plane tickets, and damage or stolen gear (although theft in Japan is extremely rare, it does occasionally happen).

World Nomads offers comprehensive coverage for travel insurance for Japan. Here's how: -->

Medical Care In Japan For Foreigners

One of the main reasons to buy travel insurance is to cover medical care should you become sick or have an accident while in Japan. This is not because medical care is particularly expensive in Japan. Indeed, in comparison to medical costs in the United States, medical care in Japan is a real bargain. As a general rule, it costs roughly the same as it would in Canada or Australia if you were to pay full costs in either of those countries. Of course, if you need serious care, long-term hospitalization or surgery, the costs can add up quickly and having a good travel insurance policy can save you a bundle.

Proof Of Insurance Required

But the best reason to have valid travel insurance while traveling in Japan is so that you can show your proof of insurance to the people at a clinic or hospital where you hope to receive care. Because Japan has a national health insurance system that covers almost all the residents of the country, they are leery of treating foreign patients who don’t belong to this system. Sadly, there have been many instances of clinics and hospitals turning away foreign patients who needed care, even some with life-threatening conditions. Having proof of insurance is usually enough to overcome any reluctance on the part of the clinic or hospital to give care.

What To Look For in a Travel Insurance Policy

Before you buy a travel insurance, check the following:

Valid in Japan: Obviously, the plan you purchase must be valid in Japan. Luckily, we know of no major plans that exclude Japan.

Cancellation coverage: Make sure that the policy will cover cancelled hotel reservations and plane tickets etc.

Full medical coverage and evacuation coverage: The plan should cover all potential medical expenses (less the deductible or excess), including ambulance transport, in- and outpatient care, hospitalization and, where necessary, evacuation back to your home country.

Lost, stolen or damaged gear or luggage: Make sure the plan you intend to buy covers these things. As you can imagine, theft is vanishingly rare in Japan, but it does happen. But, like anywhere else, things can be easily lost or damaged. This is especially important if you’re traveling with things like computers and expensive cameras.

Dangerous activity coverage or exclusion: If you plan to do some skiing, motorcycle riding, rock climbing, mountain climbing, trekking, scuba diving or the like while in Japan, make sure the plan you intend to purchase does not exclude coverage for accidents incurred while participating in these activities.

Proof of insurance: Make sure the plan you purchase will provide you with some form of hardcopy proof of insurance. As discussed above, if you seek care at a hospital or clinic, having a physical document showing that you are insured can mean the difference between receiving treatment and being turned away.

Where Can You Buy Travel Insurance?

Check hotel availability, destination, check-in date, check-out date.

Kyoto Vacation Checklist

• For all the essentials in a brief overview, see my First Time In Kyoto guide
• Check Kyoto accommodation availability on Booking.com and Agoda.com - often you can book with no upfront payment and free cancellation
• You can buy shinkansen (bullet train) tickets online from Klook - popular routes include Tokyo to Kyoto , Kyoto to Osaka and Kyoto to Tokyo
• Need tips on where to stay? See my one page guide Where To Stay In Kyoto
• See my comprehensive Packing List For Japan
• Buy a data-only SIM card online for collection when you arrive at Kansai International Airport (for Osaka and Kyoto) or Tokyo's Narita Airport . Or rent an unlimited data pocket wifi router
• Compare Japan flight prices and timings to find the best deals
• If you're making frequent train journeys during your visit, you might save money with Japan Rail Pass – see if it's worth it for you
• A prepaid Welcome Suica card makes travelling around Kyoto easy – here's how
• World Nomads offers simple and flexible travel insurance. Buy at home or while traveling and claim online from anywhere in the world

Kyoto District Map

• Central Kyoto
• Northwest Kyoto
• Northern Higashiyama
• Southern Higashiyama
• Downtown Kyoto
• Kyoto Station Area
• South East Kyoto

Disclosure: InsideKyoto.com is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com and amazon.co.uk. World Nomads provides travel insurance for travellers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.

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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11 Best Travel Insurance Companies in May 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

» Jump to the best cards with travel insurance

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's 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.

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

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

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

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

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

As rewards credit cards face regulation, what are the alternatives?

• Rewards credit cards are not for everyone.
• There are other ways to pay for travel, including debit cards, no-annual-fee credit cards and money transfer services.
• The government is concerned about rewards credit cards and is likely to regulate them soon.

Ronald Duben is ready to give up his credit card. He thinks there's something better out there – and there almost certainly is.

Duben has been dutifully shelling out $120 a year for his co-branded airline rewards card, which promises he'll get "free" flights if he spends enough money. It was a good deal at first. Once he collected about 60,000 points by late February, he could cash in his rewards for a flight to Asia.

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But when Duben tried to redeem his loyalty points for an economy class ticket to Japan recently, he was stunned that his airline more than tripled the miles he had to pay. Then it asked him for another $375 in taxes and fees on top of the 200,000 points. 

So much for "free."

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"I feel like I'm deeply involved in a rip-off," said Duben, a retired chef from San Rafael, California, "and I want to get out."

It turns out there is a way out.

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Making a U-turn on rewards credit cards

Rewards credit cards – and especially those high-fee, high-interest mileage-earning credit cards – are not for everyone. You're probably just as likely to pay an absurdly high interest rate and add to that $1 trillion in credit card debt as you are to get a "free" airline ticket.

The government is concerned about these cards, too. Earlier this month, the Consumer Financial Protection Bureau (CFPB)  issued a report on rewards cards that identified multiple problems with these payment systems. Consumers complained that rewards are often devalued or denied even after they meet program terms. And consumers who carry revolving balances often pay more in interest and fees than they get back on rewards.

The CFPB and the Department of Transportation also held a hearing on rewards credit cards , a likely precursor to regulating these programs. 

So if this is the beginning of the end for rewards credit cards, then what's next?

Here are the alternatives to rewards cards

Read a travel blog or newspaper travel section, or look at a travel Instagram account, and you might think the only way to travel is with one of those high-fee travel cards. But there are other ways to pay:

• A debit card : A debit card or bank card deducts money directly from your bank account. No need to worry about spending more than you have because it usually won't let you overdraw. "Debit cards are a straightforward option," said Shawn Plummer, a financial expert and frequent traveler. "They're widely accepted and eliminate the risk of accumulating debt because they only allow you to spend what you have." 

Many debit cards even have travel benefits such as no currency conversion fees, but there are limits: Car rental companies and hotels may not accept a debit card. 

• A no-annual-fee, low-interest-rate credit card : You shouldn't pay an annual fee for your credit card. And if you do a little research, you can find a card with less than a 10% annual interest rate. Hint: Check with a credit union. Many of these cards also have all the travel benefits you need, including coverage for car rentals and medical evacuations – and no currency exchange fees. 

By the way, if you do want to pay a membership fee, try joining one of the warehouse clubs like Sam's or Costco. Peter Hoagland, a consultant from Warrenton, Virginia, swears by his Costco Visa. He said it's a no-nonsense payment system with relatively reasonable fees. 

"I use the card everywhere," said Hoagland.

• Money transfer services : A service like Revolut or Wise will allow you to transfer money to a company or individual, completely bypassing the credit card network. These companies are on the bleeding edge of digital banking. I visited Wise's headquarters while I was in London recently and really loved its plan to remove "all the friction" between you and your money. That means eliminating a lot of the high fees you've been paying for years.

Andy Abramson, a communications consultant from Las Vegas, uses both and likes the speed of transfer and the favorable exchange rates when moving dollars to another currency. 

"They're both incredible," he said.

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What is the future of payment systems for travelers?

Are rewards credit cards obsolete? Have they become bloated and inefficient, with their high swipe fees and exorbitant interest rates and empty promises of free tickets? Some industry watchers believe the answer is yes.

As an intermediate step, many travelers are switching to a debit card or a digital payment system. That allows them to lower their interest rates and make smarter decisions about their purchases instead of mindlessly spending money to accumulate points or giving all of their loyalty to one airline.

Financial experts see a better future just ahead. It's a place where digital peer-to-peer payment systems are used to transfer money at virtually no cost to you. In that future, cards are as antiquated as traveler's checks. All transactions happen on a phone with a tap and a biometric "OK." And loyalty programs have evolved into something more sophisticated than today's bait-and-switch cards that just make you spend more.

Will the government regulate rewards credit cards?

After this month's joint hearings with the CFPB and DOT, rewards credit cards are likely to be regulated soon. 

Even if regulators don't act, Congress could. A new bill called the Credit Card Competition Act could bring much-needed competition to credit cards. That would make rewards cards a little less generous and could bring some sobriety back to rewards programs.

It's about time. Rewards credit cards make promises they can't keep, bait you into spending more than you should, and ultimately reward only the airlines and credit card companies that issue trillions of often worthless points. The sooner we can find an alternative to reward credit cards, the better. The current system is completely unsustainable.

That's what Duben, the retired chef who wanted to go to Japan, did. He clicked on the United Airlines website and booked a regular ticket. He'll use his miles for another ticket and then close his rewards credit card for good.

Christopher Elliott  is an author, consumer advocate, and journalist. He founded  Elliott Advocacy , a nonprofit organization that helps solve consumer problems. He publishes  Elliott Confidential , a travel newsletter, and the  Elliott Report , a news site about customer service. If you need help with a consumer problem, you can  reach him here  or email him at  [email protected] .

The Key Points at the top of this article were created with the assistance of Artificial Intelligence (AI) and reviewed by a journalist before publication. No other parts of the article were generated using AI. Learn more .

9 Habits of Frugal People To Apply Every Time You Travel

A recent survey from Nationwide Travel Insurance found that travel is on the rise, with 91% of survey respondents saying they have domestic travel plans in 2024 and 50% planning to travel internationally. Forty percent of those polled said they plan to travel more this year than they did in 2023.

See Also: 7 Cheap, Beautiful Places for a Winter Vacation

Learn More: One Smart Way To Grow Your Retirement Savings in 2024

Yet, with inflation still high and fears of a recession on people’s minds, you may want to save money while planning your dream vacation. Fortunately, the Reddit forum r/Frugal has plenty of tips for low-cost travel.

Sponsored: Owe the IRS $10K or more? Schedule a FREE consultation to see if you qualify for tax relief.

Bring Snacks and Beverages

If you’re driving to your vacation spot, pack snacks and beverages so you won’t be tempted to splurge on pricey hotel water or snacks. If you’re flying, stop at a local grocery store before you check into your hotel or Airbnb.

Redditor JStyles mentioned, “If I’m staying anywhere a few days I usually buy a case of water from a supermarket or drug store when I arrive.”

Think strategically, though. Some tourist areas increase prices. If you’re driving, you have more flexibility to buy snacks and drinks at home or even on the way to your destination in lower-cost locations.

 “I’ve found two places in the US where you’re much better off packing your food from home or from way outside of town if you’re driving there,” wrote Redditor Nopumpkin_here. “That’s Gatlinburg, TN, and Yosemite, CA. I’m sure there are lots of other places like that, where you’d have to shop a few cities or towns away.”

Nearly every frugal traveler on Reddit recommended cooking or preparing meals in your room rather than eating at restaurants daily. If your hotel has a kitchenette or you’ve rented an AirBNB or VRBO for your trip, you can eat just like you do at home.

But if you prefer something simpler, that’s okay too. Sandwiches and microwavable soups make easy meals on the road.  

Shop Locally for Food

Not a fan of cooking, especially while on vacation? Redditor “PurpleHippoB*tches” said they bought local foods including meats, cheese and baked goods at a local grocery store in Paris to enjoy a daily picnic. “I always tried to save on food by only having 1 meal out per day,” they wrote. “A lot of people say to cook your meals, but personally I don’t want to cook on vacation and especially I don’t want to eat like at home. I want to try local food instead so this is my no-cook compromise.”

Redditor KnuteViking, who also said they were a fan of local food in Europe, advised, “To get a better price while still getting great food, the key is usually [to] find the local shops, not the tourist shops.”

Choose Restaurant Meals Carefully

“If you plan on getting breakfast and lunch grocer[ies] but want to eat out for dinner you are better off eating out at lunch and having a sandwich for dinner,” Redditor Interesting_Gene_780 wrote. “Lunch menus are cheaper than dinner.”

Redditor LauraSaurus5 advised frugal Redditors to try a Southern breakfast if they have an opportunity in the U.S.

Also, don’t forget the free continental breakfast at the hotel. Many frugal Redditors try to snag extra muffins, fruit or hard-boiled eggs for a light lunch.

Pack a Thermos or Water Bottle (or Both)

Redditor Hjlelpdinven said they always bring a Thermos on trips. You can fill it with water after you go through airport security, make tea with free hot water and tea bags from home, and even fill the thermos with free coffee from the continental breakfast.

Visit Free Attractions

Saving money on vacation isn’t just about reducing food costs, though scaling back on restaurant meals can make a big difference in costs without impacting enjoyment.

You can also save money by visiting local attractions with “pay-as-you-wish” entry fees or free entry. Well-known examples include free admission to The Bronx Zoo every Wednesday and free entry to government landmarks like the White House. All Smithsonian museums, art galleries and zoos (except the Cooper Hewitt in New York City) are free to visit, according to the Smithsonian Institute website.

Book the Cheaper Hotel Room

If you’re torn between booking a luxury suite or a smaller hotel room, Maximum-Excitement58 advised fellow Redditors, “If you’re not going somewhere to just sit in your hotel room, get the cheapest room at whatever hotel/resort you’re staying at.”

However, if you’re planning to eat meals in the room, call ahead and ask if the room has a mini-fridge and microwave.

Use Public Transportation

Whether you’re getting to and from the airport or around town, price out buses and shuttles rather than Uber or a taxi service. Once you learn the public transportation for the city you’re visiting, you can save a bundle, experience life as a local, and avoid traffic.

Redditor Such-Shape-7111 said he and his wife rent electric scooters in cities across the U.S. to get around for short distances. Such-Shape-7111 makes sure to stay safe on the road, though. “We bring our bike helmets clipped to our backpacks,” he said.

Pack Your Necessities in Your Carry-On

If you’re flying, always pack an extra outfit, underwear, and travel-sized toiletries (under 3.4 oz. each, packed in a clear, one-quart plastic bag) in case the airline loses your luggage. “Might save you some cash if you have to replace some things,” Redditor Roweira said.

Cutting corners on some aspects of your trip can leave room to splurge on the things that truly matter or even allow you to afford that dream vacation.  

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Housing | Florida’s 125% surge in insurance bills…

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Housing | Florida’s 125% surge in insurance bills creates housing havoc

So in March, she finally decided to call it quits, shutting the facility near Palm Beach that she opened just two years ago. That came four months after she closed an older location in Port St. Lucie, opened in 2017. Together, they left a dozen residents scrambling to find another place to live.

“Each year you see a rise. Why pay more?” said Porter, who first started The House of Cares to capitalize on the burgeoning demand for elder care as baby boomers flooded into the Sunshine State. But now, as her premiums soared on top of all her other costs, she just couldn’t “continue to deplete” herself.

Porter is just one small example among many in Florida, where two major, generational forces are colliding: The toll of climate change, and the challenge of caring for an aging society. Drawn to the state’s warm weather and low taxes, baby boomers have been piling into the retirement haven for years, leaving it with one of the most elderly populations in the US. That’s turning it into a harbinger for other states as the consequences of rising temperatures ripple through the economy in ways few had envisioned.

With Florida being threatened by more powerful hurricanes, commercial-property insurance costs last year surged at nearly five times the national pace, according to credit rating firm AM Best Co. Inc. That’s slapping what care providers say is effectively a new — if little noticed — tax on an industry already contending with labor shortages, soaring wages and rising supply costs.

The result? More and more nursing homes are closing down each year, while others are missing debt payments. At the same time, the costs for senior care – at all levels from independent living to around-the-clock nursing — are rising, threatening to become unaffordable for a growing number of retirees.

“We are headed into a train wreck,” said Pilar Carvajal, founder and CEO of Innovation Senior Living, a Winter Park-based operator with 339 residents at its facilities, which offer services including memory care and assisted living. Its insurance costs jumped at least 50% in the past five years. “We need help to solve this societal problem,” she said.

While climate change has pushed commercial-property insurance premiums up nationwide, few places have been hit harder than Florida. In the five-year period ending 2023, costs surged 125%. Last year, annual premiums soared about 27% in the state — for the second year in a row — while nationwide the growth rate slowed to nearly 6% from about 15%, according to AM Best.

“We have many clients that can’t afford the coverage,” said Patrick McConachie, senior vice president at Marsh McLennan Agency in Tampa, who helps senior-living operators negotiate policies. “In a lot of cases in Florida recently, the operator will simply turn the keys back over to the landlord.”

Palm Garden Healthcare shuttered its assisted-living facility earlier this year because of skyrocketing costs, said President and CEO Rob Greene. The property insurance bill for his 14-location nursing home chain more than doubled in two years to $2.2 million. And although Greene is paying more to be insured, he said the coverage for $75 million in damages is far below the at least $200 million he needs.

So far, Palm Garden hasn’t experienced any major storm damage since it opened for business in the late 1980s, but “come June, we get a little bit nervous,” Greene said.

‘Feeling The Pinch’

From 2019 to 2023, damage from natural disasters like tropical cyclones and severe storms at least doubled to as much as $200 billion from the 10 years prior, according to the National Centers for Environmental Information. That five-year tally includes Hurricane Ian — the third-costliest hurricane in US history.

The mounting claims led a few property insurers to fold, driving up rates. But this year, seven new firms are expected to enter the market, according to Mark Friedlander, director of corporate communications at the Insurance Information Institute. And negotiations with reinsurers went well, which could mean flat or smaller premium increases this year, said Jack Walker, senior sales executive at AssuredPartners, an Orlando-based insurer specializing in senior living.

However, until that happens, operators like Innovation and Palm Garden have to find ways to pay the ballooning bills. Palm Garden’s elders qualify for Medicaid, but the reimbursements are never enough, according to Greene. “We don’t have the luxury of like, a McDonald’s, of being able to pass on costs,” he said.

For operators serving more affluent retirees that can raise and pass the price on, even they will at some point become “unaffordable,” said Margaret Johnson, senior director at Fitch Ratings.

“Residents are feeling the pinch,” said Raoul Nowitz, senior managing director at SOLIC Capital Advisors, who specializes in restructuring for distressed companies and investment banking. And operators are struggling to have enough cash flow to cover debt, he added.

While the spike in insurance costs is a major problem for all groups in Florida — from homeowners to hotels — it’s particularly crippling for this industry. Fitch’s Johnson has a negative credit outlook on the sector.

When he speaks with chief financial officers of Florida senior-living communities, labor and property-insurance costs are “at the top of the list of things that keep them up at night,” said Richard Scanlon, senior managing director at B.C. Ziegler and Company.

A majority of first-time payment defaults on debt issued for Florida retirement communities since 2009 took place after the pandemic — 21 out of 34 — according to Municipal Market Analytics. The default rate for senior living in Florida stands at 18% — more than twice the nearly 8% national rate, according to data compiled by Bloomberg.

Supply and Demand

That strain has been causing dozens of facilities to shutter. In the five years ending 2023, an average of 146 nursing homes or assisted-living facilities have closed each year, according to data from the Florida Agency for Health Care Administration. Within that period, 2022 saw the most closures — coinciding with Hurricane Ian’s landfall along with the winddown of federal pandemic aid.

The steady closures occur as demand grows and prospects of new facilities dim. Florida is the nation’s second fastest-growing state based on population behind Texas, according to the US Census Bureau, and ranks second among US states for its elders, with about 22% aged 65 and over, compared to just 17% for the entire US.

New facilities have to open at a faster rate to keep up with the expanding demographic, said Lisa Washburn, chief credit officer at Municipal Market Analytics, adding that “construction has slowed significantly” across the US. There needs to be some sort of governmental involvement to subsidize or facilitate building, she said.

“In Florida you may not have an income tax,” but insurance is a tax, said Washburn.

Following Hurricane Ian, Carvajal had to install a $200,000 new roof on one of her six facilities to continue to be insured.

“How do you make it work when things like property insurance just are becoming so onerous and unpredictable?” she said. “Looking into the future, if things are going to get worse, I don’t know what we’re going to do.”

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