Japan Travel Insurance

From the neon lights of Tokyo to the cherry blossoms of Kyoto, Japan is a feast for all the senses. And because our travel insurance for Japan has no upper age limit, it’s an experience everyone can enjoy! Take us with you for thrilling adventures in the Land of the Rising Sun.

What is Japan travel insurance, and do you need it?

Delicious cuisine. A unique culture and history. Japan tops the list of global hotspots travellers long to return to. A sublime mix of the ancient and ultra-modern, there’s so much to explore.

Japan’s low crime rate makes it one of the most peaceful countries in the world. But while most visits are trouble-free, mishaps can happen. The best travel insurance for Japan covers you for trip cancellation, medical emergencies, and more.

Here’s why getting travel insurance to cover your trip to Japan should be top of your holiday to-do list: 

• Covers cancellations: Once-in-a-lifetime trip to Tokyo planned? The world’s most populous city is famous for its sky-scraping hotels. But cancelling luxurious accommodation can leave you out of pocket. Japan travel insurance with cancellation cover can pick up the bill if you have to cancel your trip for specific reasons.
• Covers trip disruption: Japan is on the western edge of the most active earthquake belt in the world. The country experiences 1,012 minor earthquakes on average each year – nearly three per day! Stronger ones are much less common, but can strike at any time. For example, a powerful earthquake hit Japan on New Year’s Day 2024. Japan travel insurance with natural disaster cover can help if your trip doesn’t go as planned. 
• Covers medical emergencies: Foodie? You’re in the right place. Tokyo holds the Guinness World Record for the most Michelin-starred restaurants. No wonder 91% of Brits list Japanese food as one of their motivations for visiting the country. However, more than 300 unlucky travellers each year seek emergency assistance in Japan due to foodborne illness. The FCDO reports that healthcare in Japan is excellent, but treatment is expensive. You can be refused treatment without valid medical insurance. With up to unlimited emergency medical expenses, travel insurance to Japan can help cover the cost if tummy troubles strike on your trip.
• Do more on your holiday: Hiking in the foothills of Mount Fuji. Cycling between islands around the Seto Inland Sea. Japan travel insurance lets you experience it all. It covers over 100 sports and activities as standard. But we also have cover for more adventurous activities.  

Make sure the policy you’ve chosen covers you for all the activities you have planned. Our policy wording provides full terms and conditions, including what is and isn’t included with our cover. 

Japan and North Korea are close neighbours. Relations between the two countries can be tense. The security situation in the Korean Peninsula can change with little notice. Always check the latest FCDO advice for Japan. Your travel insurance could be invalid if you travel against their advice. 
At present, UK travellers can get a visa on arrival in Japan. This allows them to stay up to 90 days. You do not need to apply before you travel.

What does InsureandGo’s Japan travel insurance cover?

The best travel insurance for Japan

Seeking the serenity of Japan’s natural landscapes? Or planning something more action-packed? Our Japan travel insurance policies are as flexible as your itinerary. Not sure what you need? Here are just a few of our optional add-ons:

• Hitting the slopes? Japan’s winter sports resorts offer ideal conditions for skiers and snowboarders. If you’re aged 65 or under, you can add winter sports travel insurance to any of our policies. 
• Setting sail? Japan is made up of thousands of islands – and a cruise lets you explore in comfort and style. Cruise holiday insurance can protect your trip. It includes things like cabin confinement, cruise interruption, and itinerary changes. 
• Taking the kids? Japan makes for a family holiday with the wow factor. Our family travel insurance covers everyone under one policy.
• In Tokyo for work? Choosing business cover will protect your equipment if it gets lost or stolen.  
• Teeing off? Japan has the second-highest number of golf courses worldwide, beaten only by the United States. Play on the best fairways with golf insurance to cover your kit. 

Make sure you read our policy wording for more information on what is included.

Choose a cover level to suit your travel needs

	Black	Gold	Silver
Medical expenses and repatriation	Unlimited	£15 million	£10 Million
Cancellation and curtailment	£10,000	£7,500	£5,000
Travel delay	Up to £650	Up to £540	Up to £450
Personal belongings	£5,000	£2,500	£2,000
Legal Expenses	£60,000	£50,000	£15,000
Standard Excess	Nil	£50	£60

Travel insurance for Japan with pre-existing medical conditions

With its state-of-the-art medical facilities, the standard of healthcare in Japan is excellent but treatment can be costly. With no reciprocal health agreement, you’ll need to pay the whole cost of any treatment you receive. You may be refused treatment if you don’t have travel insurance.  

If you’re travelling with a pre-existing medical condition, insurance is a must. At InsureandGo, we’ll consider all medical conditions, including:

 Examples of medical conditions we can cover include:

Our online medical screening process is simple. If you’d rather talk to someone instead, please get in touch with us.

You must declare all medical conditions that fit within the medical warranty when applying for your travel insurance. If you don’t, your policy may be invalid. To learn more, read our page about travel insurance for medical conditions. Or, take a look at our policy wording documents. 

It’s worth remembering that some common UK medications are banned in Japan. According to the FCDO, you risk being detained and deported if you’re found with:

• Medicines for allergies and sinus problems (including Vicks inhalers)
• Cold and flu medication that contains pseudoephedrine
• Some over-the-counter painkillers that contain codeine

How to book travel insurance for Japan

Ready to explore Japan’s ancient temples and modern cities? Tick travel insurance off your to-do list before you go. 

1. Let us know a little info

Tell us your travel dates, your destinations, and who you’re travelling with. Any pre-existing medical conditions? Now’s the time to let us know. 

You can do this online now or by calling our team:

2. Get your personalised quote

You can buy your travel insurance right away. Or save the quote for later if you need more time to think.

Our experts say…

“While Japan is a safe and welcoming country, unexpected events can happen. The country is prone to natural disasters, from earthquakes to volcanic eruptions. Healthcare is expensive. You can even be refused treatment if you don’t have travel insurance in place. You can’t plan for everything. But finding the best Japan travel insurance lets you enjoy your trip, knowing you’re covered for a wide range of situations.”

Letitia Smith – Head of Communications

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