Anyway, you’re traveling to Japan, that’s excellent! From sushi in Tokyo to an onsen in the mountains or cherry blossoms in Kyoto, you are in for an unforgettable experience. However, before you let all that excitement go to your head, you should never miss out on travel health insurance in Japan.
I get it — this is not the most glamorous part of trip planning. But believe me, Japan has an excellent healthcare system, but without insurance, it is not cheap. Just a brief visit to the hospital may cost you hundreds of dollars and, a more serious problem, thousands. With a good policy, you can enjoy your trip without worrying much about this. That’s why so many travelers now search for travel health insurance in Japan ahead of time.
Why You Need Travel Insurance in Japan
Tourists cannot access free or subsidized healthcare in Japan. If you become sick, injured, or need a simple prescription, you will pay the full costs out of your pocket unless you have coverage. That’s where Travel Health Insurance for Japan becomes essential.
Here’s What Travel Insurance Generally Covers
- Mechanical ventilation in case of medical or respiratory emergency
- Ambulance rides and emergency extraction
- Prescription medications
- Canceled or interrupted trips
- Delay of flight and lost baggage
Even if you are in the best health, accidents happen — and even if you are not a disaster, when traveling to a new country, the food, climate, or activity might be the exact opposite of what your body is used to. To be prepared, savvy travelers always look into travel health insurance in Japan as part of their checklist.
Best Japan Travel Health Insurance
I’ve compared and contrasted many of them (dozens). Today, I bring you the top travel health insurance in Japan in 2025. They are recommended by fellow travelers and provide good coverage for the price.
1. SafetyWing – Nomad Insurance
Ideal for: Long-term travelers and digital nomads
Remote workers and frequent travelers will find Safety Wing an excellent option. You can buy this as a subscription ($25 every four weeks) after you start your trip!
Why it’s great:
- Medical expenses are covered up to $250,000
- Includes COVID-19 treatment
- In 180+ countries, works, etc. Japan
- Affordable and flexible
Cost Approx: $45 for 4 weeks (ages 10–39)
This plan is a go-to choice for many digital nomads who need travel health insurance in Japan that adapts to their flexible lifestyles.
2. Atlas Travel Insurance (by VisitorsCoverage)
Great for: Personalized coverage and short-distance journeys
Atlas allows you to create your plan. The amount of coverage you want is up to you, as well as your deductible. Perfect for little holidays or once you wish to shield something exact.
Why it’s great:
- Select coverage up to $2 million
- Covers emergency medical transportation
- Add on adventure sports on demand
- Excellent for peace of mind
Approximate pricing: $60–$120 for a 2-week adventure (based on age)
3. IMG – Insurance For Patriot Travel Medical
Ideal for: Travelers on a budget and students
IMG is an excellent option if you need affordable coverage. Plans can be extended for a longer visit.
Why it’s great:
- Coverage up to $1 million
- Optional Coverage for Adventure Sports or COVID
- Good customer service
- Simple extension if you take longer than anticipated
Approximate price: Starts at $1.10 a day
Many student travelers rely on IMG for reliable, low-cost travel health insurance in Japan.
4. Allianz Global Assistance
Who it is best for: Families and those who travel infrequently
Allianz is another household name when it comes to travel insurance. Also, simple family vacations or one-off journeys are covered, as their guidelines are simple.
Why it’s great:
- Trusted global brand
- Coverage for medical emergencies, lost baggage, and trip cancellations.
- Quick claims process
- Great support
Approximate price: $50 to $150 for your run-of-the-mill two-week journey
If you’re traveling with family, this could be your go-to travel health insurance in Japan option.
5. Heymondo Travel Insurance
Suitable for: Mobile devotees and no-fuss filing
Heymondo has a great mobile application that allows users to chat with doctors anytime and submit claims without any paperwork. They also have a network of clinics within Japan that do not require upfront payment.
Why it’s great:
- Hospital coverage– up to a maximum of $500,000
- App-based doctor support
- Many Japanese hospitals — where no upfront payment is asked
- Respect trip cancellation and baggage coverage
- Approximate cost: $40–70 for short distances
Heymondo delivers an all-in-one travel health insurance in Japan solution for travelers who value convenience in Japan.
Features to Consider in a Travel Insurance Policy
Things to check before you make a purchase:
- Coverage for medicals: Minimum of $100,000.
- Emergency evacuation: This is vital if something significant occurs
- Adventure: Going skiing, hiking , or judo? Make sure you’re covered.
- COVID-19: It is included in most plans by now, but check.
- Cashless hospitalization: Some insurers tie up directly with hospitals so that you do not have to make an upfront payment
Double-check that these key features are present in any travel health insurance in Japan.
Final Thoughts
It is one of the countries of the safest, cleanest, and most interesting places you will ever visit. No matter how safely you hike, something can happen far from home.
With travel health insurance in Japan, you can travel without your nerves on edge thinking about the “what ifs.”
Select the plan that suits your trip and travel style, and you will be covered. Happy travels, and bring an umbrella with you where it is useful. The rain in Tokyo can come out of nowhere!
