- Japan does not accept most U.S. health insurance, so it’s wise to purchase travel medical insurance at a minimum.
- Given how expensive trips to Japan can be, we recommend opting for a comprehensive travel insurance policy with cancellation and interruption coverage that can reimburse you for the full cost of your trip.
- Based on our analysis, the best travel insurance for Japan is offered by Seven Corners, Tin Leg, Faye, and IMG. (skip ahead to view these plans)
- Try using our online comparison tool to get customized quotes from 20+ providers at once.
When you buy something using links found on our site, we may earn a small affiliate commission. This content is reviewed & supervised by The Los Angeles Times Commerce Team.
On This Page
- Key Takeaways
- Do I need travel insurance to visit Japan?
- Our top picks for the best travel insurance for Japan
- How much does travel insurance for Japan cost?
- Why you need travel insurance to visit Japan
- What does travel insurance for Japan cover?
- What isn’t covered by travel insurance for Japan?
- Tips for getting the best travel insurance for Japan
- Japan travel information & requirements
- Japan travel insurance FAQs
- Related topics
On This Page
- Key Takeaways
- Do I need travel insurance to visit Japan?
- Our top picks for the best travel insurance for Japan
- How much does travel insurance for Japan cost?
- Why you need travel insurance to visit Japan
- What does travel insurance for Japan cover?
- What isn’t covered by travel insurance for Japan?
- Tips for getting the best travel insurance for Japan
- Japan travel information & requirements
- Japan travel insurance FAQs
- Related topics
Best Travel Insurance for a Japan Vacation in 2024
Imogen Sharma - Finance Contributor
+ 1 other
Reviewed By
Blake Esken - Los Angeles Times
Our top picks for the best travel insurance for Japan
Robust Coverage with High Limits
Seven Corners
GET A QUOTE
via Squaremouth’s secure website
Preferred Plan
Trip Protection Choice
Covers COVID
YES
Medical & Evacuation Limits Per Person
$500,000
/
$1,000,000
Most Affordable Comprehensive Coverage
Tin Leg
GET A QUOTE
via Squaremouth’s secure website
Preferred Plan
Gold
Covers COVID
YES
Medical & Evacuation Limits Per Person
$500,000
/
$500,000
Customizable Plans with Unique Benefits
Faye Travel Insurance
Check Pricing
via the Faye website
Preferred Plan
Faye Travel Protection Plan
Covers COVID
Yes
Medical & Evacuation Limits Per Person
$100,000
/
$500,000
Do I need travel insurance to visit Japan?
Americans are not legally required to have travel insurance to visit Japan, but travelers to Japan typically buy medical travel insurance as most US health insurance plans don’t work outside of the USA.
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. As Japan is known for being an expensive travel destination, it’s a good idea to opt for comprehensive travel insurance that can reimburse you for the total trip cost if you need to cancel of interrupt your trip to return home early.
Our top picks for the best travel insurance for Japan
Advertiser Disclosure
Full Policy Details
Seven Corners
GET A QUOTE
via Squaremouth’s secure website
Preferred Plan
Trip Protection Choice
Covers COVID
YES
Medical & Evacuation Limits Per Person
$500,000
/
$1,000,000
Why We Like It
Editor's take
Seven Corners Trip Protection Choice has been the top plan purchased by LA Times visitors for two years in a row.
This plan has it all and comes with very high coverage limits so you can rest assured the plan will cover you if you find yourself in a dire situation.
The primary medical coverage also means you won’t have to pay out of pocket and wait to be reimbursed if you need to seek medical treatment while away. Simply contact Seven Corners on its 24-hour helpline and they will get you admitted to a hospital near you and cover the bill.
PROS
- Offers coverage for pre-existing conditions
- Money-back guarantee
- Cancellation & Interruption coverage standard
- Covers action sports & equipment
CONS
- Cancel for any reason not included standard
- Must meet waiver for pre-existing conditions to be covered
Tin Leg
GET A QUOTE
via Squaremouth’s secure website
Preferred Plan
Gold
Covers COVID
YES
Medical & Evacuation Limits Per Person
$500,000
/
$500,000
Why We Like It
Editor's take
Tin Leg Gold is the second best-selling plan on LA Times Compare thanks to its robust coverage and affordability.
This plan is slightly cheaper than the Seven Corners Trip Protection Choice plan but also has slightly lower limits. That said, the limits of this plan are adequate for most travelers.
If you are looking for a plan that covers a bit of everything and are willing to settle for slightly lower coverage limits for the sake of affordability, then the Tin Leg Gold plan is a solid option. Tin Leg also boasts some of the highest customer satisfaction ratings in the industry.
PROS
- 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
CONS
- Baggage delay coverage requires a 24-hour waiting period
- Low coverage limits for baggage and personal effects
Full Policy Details
Faye Travel Insurance
Check Pricing
via the Faye website
Preferred Plan
Faye Travel Protection Plan
Covers COVID
Yes
Medical & Evacuation Limits Per Person
$100,000
/
$500,000
Why We Like It
Editor's take
Faye is the “rising star” of the travel insurance industry. It’s a newer company that is taking the market by storm.
In just 6 months, Faye has become the third best-selling plan among LA Times visitors thanks to its unique customizable plan options and digital-first approach. Faye offers strong coverage limits and unique features you won’t find elsewhere.
It is known for its fast claims processing and how easy it is for users to contact the company and manage their policies. Faye boasts a super user-friendly app with tons of features that transcend travel insurance to become an all-in-one trip management app. You can add your flight and hotel info to keep all your bookings in one place and get real-time updates if your flights are delayed, etc. Get recommended Spotify playlists, destination info like nearby pharmacies and hospitals, and more.
PROS
- Friendly agents
- Easy-to-use mobile app
- Fast reimbursements for eligible claims
- Prompt replies to questions
CONS
- Long wait times for reimbursement
- Difficulty reaching Faye outside of email & virtual chat
IMG
GET A QUOTE
via Squaremouth’s secure website
Preferred Plan
iTravelInsured Travel SE
Covers COVID
YES
Medical & Evacuation Limits Per Person
$250,000
/
$500,000
Why We Like It
Editor's take
The IMG iTravelInsured Travel SE policy is another crowd favorite and has strong limits at an affordable price.
Apart from the $250k primary medical coverage and $500k medevac limits which are adequate for most travelers, this plan shines for it’s luxury perks and high reimbursement rates for travel delays.
It comes with a solid $2,000 in Travel Delay coverage that will reimburse you for expensed related to flight delays or a mandatory quarantine. It can also pay up to $300 to reimburse you for pet boarding fees if you are delayed.
PROS
- 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
CONS
- Plan gets notably more expensive with age
[{"label":"Medical Emergencies","icon":"lat-icon-injury","slug":"medical-emergencies","properties":[{"label":"Type of medical coverage","key":"type-of-medical-coverage","order":"1"},{"label":"Emergency Medical","key":"emergency-medical","order":"2"},{"label":"Medical Evacuation & Repatriation","key":"medical-evacuation-repatriation","order":"3"},{"label":"Covers COVID","key":"covers-covid","order":"4"},{"label":"Pre-Existing Conditions","key":"pre-existing-conditions","order":"5"},{"label":"Extension Of Coverage","key":"extension-of-coverage","order":"6"},{"label":"Non-Medical Evacuation","key":"non-medical-evacuation","order":"7"}]},{"label":"Cancellation, Interruptions & Delays","icon":"lat-icon-time","slug":"cancellation-interruptions-delays","properties":[{"label":"Trip Cancellation","key":"trip-cancellation","order":"1"},{"label":"Trip Interruption","key":"trip-interruption","order":"2"},{"label":"Travel Delays","key":"travel-delays","order":"3"},{"label":"Missed Connection","key":"missed-connection","order":"4"},{"label":"Baggage Loss","key":"baggage-loss","order":"5"},{"label":"Baggage Delay","key":"baggage-delay","order":"6"}]},{"label":"Accidental Death","icon":"lat-icon-coffin","slug":"accidental-death","properties":[{"label":"24 Hour AD&D","key":"24-hour-ad","order":"1"},{"label":"Flight Only AD&D","key":"flight-only-ad","order":"2"},{"label":"Common Carrier AD&D","key":"common-carrier-ad","order":"3"}]},{"label":"Sports & Adventure","icon":"lat-icon-mountain","slug":"sports-adventure","properties":[{"label":"Sports & Activities","key":"sports-activities","order":"4"},{"label":"Sports Equipment Loss","key":"sports-equipment-loss","order":"5"},{"label":"Sports Equipment Delay","key":"sports-equipment-delay","order":"6"},{"label":"Sports Fees","key":"sports-fees","order":"7"}]},{"label":"Other Benefits","icon":"lat-icon-protection-hands","slug":"other-benefits","properties":[{"label":"Rental Car Damage","key":"rental-car-damage","order":"1"},{"label":"Money Back Guarantee","key":"money-back-guarantee","order":"2"},{"label":"24 Hour Assistance Service","key":"24-hour-assistance-service","order":"3"},{"label":"Cancel For Any Reason","key":"cancel-for-any-reason","order":"4"},{"label":"AMBest Rating","key":"bbb-rating","order":"5"},{"label":"Better Business Bureau Rating","key":"am-best-rating","order":"6"}]}]
[{"id":"65cddb7468d2f886028c35bf","active":true,"company_slug":"seven-corners-inc","product_slug":"seven-corners-inc-trip-protection-choice","name":"Trip Protection Choice","image":"","cta":{"phone":{"text":"","number":""},"text":"","url":"","comment":"","disclaimer":"via Squaremouth’s secure website"},"rating":{"title":"","disclaimer":"","score":"","stars":"","url":""},"properties":[{"id":"65cde988c028e3d8a28addf8","active":true,"property_slug":"type-of-medical-coverage","key":"Type of medical coverage","value":"Primary","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":1,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cac028e3d8a28adeb8","active":true,"property_slug":"emergency-medical","key":"Emergency Medical","value":"$500,000","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":2,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cac028e3d8a28aded0","active":true,"property_slug":"medical-evacuation-repatriation","key":"Medical Evacuation & Repatriation","value":"$1,000,000","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":3,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cbc028e3d8a28adf00","active":true,"property_slug":"pre-existing-conditions","key":"Pre-Existing Conditions","value":"Waiver Available","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":5,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cbc028e3d8a28adf18","active":true,"property_slug":"extension-of-coverage","key":"Extension Of Coverage","value":"YES","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":6,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9ccc028e3d8a28adf30","active":true,"property_slug":"non-medical-evacuation","key":"Non-Medical Evacuation","value":"$20,000","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":7,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9ccc028e3d8a28adf48","active":true,"property_slug":"trip-cancellation","key":"Trip Cancellation","value":"100% trip cost","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":1,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9ccc028e3d8a28adf60","active":true,"property_slug":"trip-interruption","key":"Trip Interruption","value":"150% trip cost","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":2,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cdc028e3d8a28adf78","active":true,"property_slug":"travel-delays","key":"Travel Delays","value":"6+ hours","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":3,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cdc028e3d8a28adf90","active":true,"property_slug":"missed-connection","key":"Missed Connection","value":"3+ hours \nCruise & tour only","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":4,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cdc028e3d8a28adfa8","active":true,"property_slug":"baggage-loss","key":"Baggage Loss","value":"YES","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":5,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cec028e3d8a28adfc0","active":true,"property_slug":"baggage-delay","key":"Baggage Delay","value":"6+ hours","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":6,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cec028e3d8a28adfd8","active":true,"property_slug":"24-hour-ad","key":"24 Hour AD&D","value":"$20,000","property_group_slug":"65cddd5468d2f886028c3d49","property_order":1,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cfc028e3d8a28adff0","active":true,"property_slug":"flight-only-ad","key":"Flight Only AD&D","value":"NO","property_group_slug":"65cddd5468d2f886028c3d49","property_order":2,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cfc028e3d8a28ae008","active":true,"property_slug":"common-carrier-ad","key":"Common Carrier AD&D","value":"$40,000","property_group_slug":"65cddd5468d2f886028c3d49","property_order":3,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9d0c028e3d8a28ae020","active":true,"property_slug":"sports-activities","key":"Sports & Activities","value":"Some Sports","property_group_slug":"65cddd5468d2f886028c3d58","property_order":4,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9d0c028e3d8a28ae038","active":true,"property_slug":"sports-equipment-loss","key":"Sports Equipment Loss","value":"YES","property_group_slug":"65cddd5468d2f886028c3d58","property_order":5,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9d0c028e3d8a28ae050","active":true,"property_slug":"sports-equipment-delay","key":"Sports Equipment Delay","value":"Optional Add-on","property_group_slug":"65cddd5468d2f886028c3d58","property_order":6,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9d1c028e3d8a28ae068","active":true,"property_slug":"sports-fees","key":"Sports Fees","value":"YES","property_group_slug":"65cddd5468d2f886028c3d58","property_order":7,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9d1c028e3d8a28ae080","active":true,"property_slug":"rental-car-damage","key":"Rental Car Damage","value":"Optional Add-on","property_group_slug":"65cddd5568d2f886028c3d67","property_order":1,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9d1c028e3d8a28ae098","active":true,"property_slug":"money-back-guarantee","key":"Money Back Guarantee","value":"YES","property_group_slug":"65cddd5568d2f886028c3d67","property_order":2,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9d2c028e3d8a28ae0b0","active":true,"property_slug":"24-hour-assistance-service","key":"24 Hour Assistance Service","value":"YES","property_group_slug":"65cddd5568d2f886028c3d67","property_order":3,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9d2c028e3d8a28ae0c8","active":true,"property_slug":"cancel-for-any-reason","key":"Cancel For Any Reason","value":"Optional Add-on","property_group_slug":"65cddd5568d2f886028c3d67","property_order":4,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":0},{"id":"65cde9cac028e3d8a28adee8","active":true,"property_slug":"covers-covid","key":"Covers COVID","value":"YES","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":4,"plan_slug":"65cddb7468d2f886028c35bf","tooltip":"","order":2}],"infos":[{"label":"Maximum annual coverage","text":""},{"label":"Reimbursement choices","text":""},{"label":"Deductible choices","text":""}],"pros":[{"text":"Offers coverage for pre-existing conditions"},{"text":"Money-back guarantee"},{"text":"Cancellation & Interruption coverage standard"},{"text":"Covers action sports & equipment"}],"cons":[{"text":"Cancel for any reason not included standard"},{"text":"Must meet waiver for pre-existing conditions to be covered"}],"page_slug":"/insurance/guides/travel-insurance-japan","page_id":"65ce014b538ff2e9b0b4f4ea","page_title":"Best Travel Insurance for a Japan Vacation in ","rates_and_fees_url":"","key_takeaway":"","why_we_like_it":"Seven Corners Trip Protection Choice has been the top plan purchased by LA Times visitors for two years in a row. \n\nThis plan has it all and comes with very high coverage limits so you can rest assured the plan will cover you if you find yourself in a dire situation. \n\nThe primary medical coverage also means you won't have to pay out of pocket and wait to be reimbursed if you need to seek medical treatment while away. Simply contact Seven Corners on its 24-hour helpline and they will get you admitted to a hospital near you and cover the bill. \n\n{: .arrow-link}\n\n[Read our full Seven Corners review](http://arstechnica1.netblogpro.com/compare-deals/insurance/travel/seven-corners-travel-insurance-review)","full_review_permalink":"","go_to_review_label":"","go_to_review_url":"","intro_title":"","bottom_line_title":"","bottom_line_icon":"","bottom_line_text":"","why_we_like_it_title":"","full_policy_detail_title":"Full Policy Details","full_policy_detail":"","best_for":"Robust Coverage with High Limits","featuredDeal":"","limitedOffer":"","coverage_text":"","order":1,"additional_info":"","product_description":"","reward_rate_title":"","reward_rate_text":"","editors_take_title":"","editors_take_text":""},{"id":"65cddb8168d2f886028c38ef","active":true,"company_slug":"faye-travel-insurance","product_slug":"faye-travel-insurance","name":"Faye Travel Protection Plan","image":"","cta":{"phone":{"text":"","number":""},"text":"","url":"https://www.withfaye.com/quote/destination?utm_medium=gd-partnerships&utm_source=LATimes&utm_campaign=general_us&tracker=utm_content","comment":"","disclaimer":"via the Faye website"},"rating":{"title":"","disclaimer":"","score":"","stars":"","url":""},"properties":[{"id":"65cde9ccc028e3d8a28adf60","active":true,"property_slug":"trip-interruption","key":"Trip Interruption","value":"150% trip cost","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":2,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9ccc028e3d8a28adf48","active":true,"property_slug":"trip-cancellation","key":"Trip Cancellation","value":"100% trip cost","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":1,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde988c028e3d8a28addf8","active":true,"property_slug":"type-of-medical-coverage","key":"Type of medical coverage","value":"Primary for International trips","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":1,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9cbc028e3d8a28adf00","active":true,"property_slug":"pre-existing-conditions","key":"Pre-Existing Conditions","value":"Waiver Available","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":5,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9cbc028e3d8a28adf18","active":true,"property_slug":"extension-of-coverage","key":"Extension Of Coverage","value":"In certain circumstances","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":6,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9ccc028e3d8a28adf30","active":true,"property_slug":"non-medical-evacuation","key":"Non-Medical Evacuation","value":"YES","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":7,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9cdc028e3d8a28adf78","active":true,"property_slug":"travel-delays","key":"Travel Delays","value":"$4500 limit, 6+ hours","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":3,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9cdc028e3d8a28adf90","active":true,"property_slug":"missed-connection","key":"Missed Connection","value":"YES","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":4,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9cdc028e3d8a28adfa8","active":true,"property_slug":"baggage-loss","key":"Baggage Loss","value":"YES","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":5,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9cec028e3d8a28adfc0","active":true,"property_slug":"baggage-delay","key":"Baggage Delay","value":"YES","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":6,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9cec028e3d8a28adfd8","active":true,"property_slug":"24-hour-ad","key":"24 Hour AD&D","value":"NO","property_group_slug":"65cddd5468d2f886028c3d49","property_order":1,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9cfc028e3d8a28adff0","active":true,"property_slug":"flight-only-ad","key":"Flight Only AD&D","value":"NO","property_group_slug":"65cddd5468d2f886028c3d49","property_order":2,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9cfc028e3d8a28ae008","active":true,"property_slug":"common-carrier-ad","key":"Common Carrier AD&D","value":"NO","property_group_slug":"65cddd5468d2f886028c3d49","property_order":3,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9d0c028e3d8a28ae020","active":true,"property_slug":"sports-activities","key":"Sports & Activities","value":"Extreme Sports optional","property_group_slug":"65cddd5468d2f886028c3d58","property_order":4,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9d0c028e3d8a28ae038","active":true,"property_slug":"sports-equipment-loss","key":"Sports Equipment Loss","value":"YES, as baggage","property_group_slug":"65cddd5468d2f886028c3d58","property_order":5,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9d0c028e3d8a28ae050","active":true,"property_slug":"sports-equipment-delay","key":"Sports Equipment Delay","value":"YES, as baggage","property_group_slug":"65cddd5468d2f886028c3d58","property_order":6,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9d1c028e3d8a28ae068","active":true,"property_slug":"sports-fees","key":"Sports Fees","value":"YES","property_group_slug":"65cddd5468d2f886028c3d58","property_order":7,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9d1c028e3d8a28ae080","active":true,"property_slug":"rental-car-damage","key":"Rental Car Damage","value":"Optional","property_group_slug":"65cddd5568d2f886028c3d67","property_order":1,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9d1c028e3d8a28ae098","active":true,"property_slug":"money-back-guarantee","key":"Money Back Guarantee","value":"YES","property_group_slug":"65cddd5568d2f886028c3d67","property_order":2,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9d2c028e3d8a28ae0b0","active":true,"property_slug":"24-hour-assistance-service","key":"24 Hour Assistance Service","value":"YES","property_group_slug":"65cddd5568d2f886028c3d67","property_order":3,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9d2c028e3d8a28ae0c8","active":true,"property_slug":"cancel-for-any-reason","key":"Cancel For Any Reason","value":"Optional","property_group_slug":"65cddd5568d2f886028c3d67","property_order":4,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":0},{"id":"65cde9cac028e3d8a28adee8","active":true,"property_slug":"covers-covid","key":"Covers COVID","value":"Yes","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":4,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":2},{"id":"65cde9cac028e3d8a28adeb8","active":true,"property_slug":"emergency-medical","key":"Emergency Medical","value":"$100,000","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":2,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":3},{"id":"65cde9cac028e3d8a28aded0","active":true,"property_slug":"medical-evacuation-repatriation","key":"Medical Evacuation & Repatriation","value":"$500,000","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":3,"plan_slug":"65cddb8168d2f886028c38ef","tooltip":"","order":3}],"infos":[{"label":"Maximum annual coverage","text":""},{"label":"Reimbursement choices","text":""},{"label":"Deductible choices","text":""}],"pros":[{"text":"Friendly agents"},{"text":"Easy-to-use mobile app"},{"text":"Fast reimbursements for eligible claims"},{"text":"Prompt replies to questions"}],"cons":[{"text":"Long wait times for reimbursement"},{"text":"Difficulty reaching Faye outside of email & virtual chat"}],"page_slug":"/insurance/guides/travel-insurance-japan","page_id":"65ce014b538ff2e9b0b4f4ea","page_title":"Best Travel Insurance for a Japan Vacation in ","rates_and_fees_url":"","key_takeaway":"","why_we_like_it":"Faye is the \"rising star\" of the travel insurance industry. It's a newer company that is taking the market by storm. \n\nIn just 6 months, Faye has become the third best-selling plan among LA Times visitors thanks to its unique customizable plan options and digital-first approach. Faye offers strong coverage limits and unique features you won't find elsewhere. \n\nIt is known for its fast claims processing and how easy it is for users to contact the company and manage their policies. Faye boasts a super user-friendly app with tons of features that transcend travel insurance to become an all-in-one trip management app. You can add your flight and hotel info to keep all your bookings in one place and get real-time updates if your flights are delayed, etc. Get recommended Spotify playlists, destination info like nearby pharmacies and hospitals, and more. \n\n{: .arrow-link}\n\n[Read our full Faye travel insurance review](http://arstechnica1.netblogpro.com/compare-deals/insurance/travel/faye-travel-insurance-review)","full_review_permalink":"","go_to_review_label":"","go_to_review_url":"","intro_title":"","bottom_line_title":"","bottom_line_icon":"","bottom_line_text":"","why_we_like_it_title":"","full_policy_detail_title":"Full Policy Details","full_policy_detail":"","best_for":"Customizable Plans with Unique Benefits","featuredDeal":"","limitedOffer":"","coverage_text":"","order":3,"additional_info":"","product_description":"","reward_rate_title":"","reward_rate_text":"","editors_take_title":"","editors_take_text":""}]
[{"id":"65cddaf368d2f886028c3083","active":true,"company_slug":"seven-corners-inc","name":"Seven Corners","image":"../assets/img/providers/seven-corners-inc.svg","provider_quote_form":"https://www.squaremouth.com/23096/seven-corners-inc?tag=latimes","button_text":"GET A QUOTE","cta_url":"https://www.squaremouth.com/travel-insurance-providers/seven-corners-inc/?aid=23096&tag=latimes","star_rating":"","rating":{"title":"","disclaimer":"","score":"","stars":"","url":""},"cta":{"phone":{"text":"","number":""},"text":"GET A QUOTE","url":"https://www.squaremouth.com/travel-insurance-providers/seven-corners-inc/?aid=23096&tag=latimes","comment":"","disclaimer":""},"form":{"text":"","url":"https://www.squaremouth.com/23096/seven-corners-inc?tag=latimes","comment":"","disclaimer":""},"markdown_block_1_open":false,"markdown_block_2_open":false,"markdown_block_1_pulldown":false,"markdown_block_2_pulldown":false,"product_description_open":false,"product_description_pulldown":false},{"id":"65cddaf768d2f886028c3183","active":true,"company_slug":"faye-travel-insurance","name":"Faye Travel Insurance","image":"../assets/img/providers/faye_travel_insurance_logo.jpeg","provider_quote_form":"https://www.withfaye.com/quote/destination?utm_medium=gd-partnerships&utm_source=LATimes&utm_campaign=general_us&tracker=utm_content","button_text":"Check Pricing","cta_url":"https://www.withfaye.com/quote/destination?utm_medium=gd-partnerships&utm_source=LATimes&utm_campaign=general_us&tracker=utm_content","star_rating":"4.5","rating":{"title":"","disclaimer":"","score":"","stars":"4.5","url":""},"cta":{"phone":{"text":"","number":""},"text":"Check Pricing","url":"https://www.withfaye.com/quote/destination?utm_medium=gd-partnerships&utm_source=LATimes&utm_campaign=general_us&tracker=utm_content","comment":"","disclaimer":""},"form":{"text":"","url":"https://www.withfaye.com/quote/destination?utm_medium=gd-partnerships&utm_source=LATimes&utm_campaign=general_us&tracker=utm_content","comment":"","disclaimer":""},"markdown_block_1_open":false,"markdown_block_2_open":false,"markdown_block_1_pulldown":false,"markdown_block_2_pulldown":false,"product_description_open":false,"product_description_pulldown":false}]
Advertiser Disclosure
How much does travel insurance for Japan cost?
On average, travel insurance for Japan costs $10.45 per day based on internal sales data from LA Times visitors. On average, people spent 18 days in Japan for a total average cost of $188.07 for travel insurance.
Generally, a comprehensive travel insurance policy to Japan will cost 5-10% of your total trip cost. Costs for a Japan travel insurance plan can vary considerably from person to person, and the type of coverage you choose makes a difference in the cost of the policy.
To give you an idea of the possible costs of insuring a trip to Japan, we pulled sample quotes for a $3,000 trip for a 35-year-old traveler visiting Japan for 18 days in April 2025.
Cost Example for Medical-only Travel Insurance for Japan
| Provider | Plan Name | Plan Cost | Cancellation / Interruption Limits | Medical / Medevac Limits |
|---|---|---|---|---|
| Tin Leg | Economy | $10 | $0 / $0 | $20k / $100k |
| Tin Leg | Luxury | $26 | $0 / $0 | $100k / $250k |
| Seven Corners | Trip Protection Choice | $57 | $0 / $1k | $500k / $1m |
From the examples above you can see that it’s possible to find travel insurance at with every budget. The cheapest medical-only plan costs 56¢ per day while the most expensive costs $3 per day.
Cost Example for Comprehensive Travel Insurance for Japan
| Provider | Plan Name | Plan Cost | Cancellation / Interruption Limits | Medical / Medevac Limits |
|---|---|---|---|---|
| IMG | iTravelInsured Travel SE | $108 | $3k / $4.5k | $250k / $500k |
| Tin Leg | Gold | $160 | $3k / $4.5k | $500k / $500k |
| Seven Corners | Trip Protection Choice | $184 | $3k / $4.5k | $500k / $1m |
| Faye | Travel Plan | $186 | $3k / $4.5k | $250k / $500k |
In the table above plans range from $6 per day to just over $10 per day.
Adding comprehensive coverage increases the overall cost of travel insurance dramatically. However, the added benefits are worth it for expensive destinations like Japan.
Keep in mind, these prices are for example purposes only, and what you pay will vary based on several factors including:
- Age
- Cost of the trip
- Length of the trip
- Deductible
- Time elapsed between the initial trip deposit and the policy purchase
- Optional add-ons, such as Cancel for Any Reason (CFAR) coverage
Why you need travel insurance to visit Japan
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.
What does travel insurance for Japan cover?
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.
What isn’t covered by travel insurance for Japan?
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
Advertiser Disclosure
Tips for getting the best travel insurance for Japan
Use these tips to find the best possible coverage for your trip to Japan:
1
Buy early.
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.
2
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.
3
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.
4
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.
Japan travel information & requirements
| Query | Details |
|---|---|
| Is a tourist visa required for U.S. visitors? | No |
| How long can you stay without a visa? | 90 days |
| Passport requirements | One blank page; your passport must be valid for your entire stay; you cannot travel on a passport previously declared lost or stolen |
| Is U.S. health insurance accepted? | No |
| Travel insurance requirements | None |
| Vaccine requirements | None, but it’s recommended to be up-to-date on routine vaccines |
| Covid test requirements | None |
| Travel advisory level | Level 1: Exercise normal precautions |
| Emergency services phone number |
119 (fire or ambulance) 110 (police) |
| Language | Japanese |
| Local currency | Japanese yen |
| Currency exchange rate | 1 US dollar = 147.12 Japanese yen |
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.
Japan travel insurance FAQs
Is it a good time to visit Japan right now?
Japan is traditionally a pricey destination. However, since 2022, the Japanese Yen has been hovering around a 5-year low versus the US dollar. This means now is a great time to visit Japan as your dollars will go farther!
Will my U.S. health insurance work in Japan?
Most U.S. health insurance plans do not work in Japan.
Is health care free for tourists in Japan?
If you’re a tourist in Japan, health care is not free; you’ll need to pay with cash or by card. However, ambulance rides are free to everyone in Japan, even for foreign visitors.
Are there any travel restrictions to Japan?
As of January 2024, Japan does not have any restrictions for travelers.
About the Author
Imogen Sharma is an experienced writer, specializing in business, culture, and financial guidance for young adults. She has contributed to articles for Varo Bank, Lendzi, MoneyTips and Indeed, providing invaluable insights into budgeting, financial planning, and lines of credit.
As a dedicated self-employed writer, she cherishes the opportunity to share her knowledge and experience with others, offering advice so they can master their bank accounts and secure their financial futures. Her articles, published in CMSWire, Reworked, WalletGenius and The Customer, serve as actionable guides to help people make solid financial decisions.
Prior to her writing career, Imogen honed her financial acumen in management roles, excelling in P&L analysis, budgeting and HR. During her tenure at Smith & Wollensky in London, her strategic contributions contributed to a 2% increase in EBITDA over a year, demonstrating her ability to drive financial performance and organizational success.
Imogen’s writing style combines expertise with accessibility, making complex financial topics easily understandable and actionable. With a focus on the long game, she encourages readers to approach financial matters with enthusiasm and determination.
Explore related articles by topic
You’ve viewed 3 of 3 articles
LOAD MORE