5 Best Travel Insurance for Japan – Requirements and Cost

If Japan`s ancient places of worship and captivating scenery call to you, make certain you obtain travel insurance for Japan so you`re protected for any unforeseen circumstances. You should visit this country at minimum once, but organizing for possible problems is also essential. After all, anything can occur while traveling!

I’ll let you know right off the bat that travel protection for Japan isn’t required to enter the country. However, I see it as essential for any trip. Also, healthcare in Japan is extremely costly, so it’s much better to pay for insurance in advance rather than deal with huge medical bills in an emergency.

We have relied on Heymondo for many years now, and it has proven to be one of the top travel insurance providers. It offers an excellent value for coverage provided, and it is one of the few insurers that pays your medical costs immediately, so you do not have to pay out of pocket and then file a reimbursement request. You can utilize our Heymondo discount code for 5% off your policy.

Another excellent option if you’re journeying on a budget is SafetyWing. However, keep in mind that it has a $250 minimum payment per claim, and in the case you need medical help, you will need to pay for it yourself initially and then submit a claim for reimbursement once back home. I’ll share more about these and other travel medical insurance plans for Japan below so you can find the perfect program for your trip purpose and budget.

Guide to the best travel insurance for Japan

This article will cover everything you need to know regarding travel medical care insurance for Japan, such as:

• Japanese travel insurance cost assessment
• optimum travel protection for Japan
• What is included with Japanese travel insurance?
• Guidance for choosing very reasonably priced travel medical insurance for trips to Japan

Do you need travel insurance for Japan?

No, travel insurance isn’t a mandatory requirement for entering Japan, but obtaining a policy is always wise. This is specifically accurate for a nation like Japan, where medical care involves steep costs. While I hope you don’t have to deal with an accident or sickness during your trip, 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 expenses related to injury or illness. Many policies also cover benefits like interrupted trips and lost baggage, but I’ll discuss that later .

Japanese travel insurance price comparison

Here is a diagram that gives you a superior thought of how much travel protection to Japan expenses. As you can see, the value runs from around $1.50/day to $6/day. Clearly, it’s additionally critical to take a gander at the inclusion sums and extra advantages before picking an organization.

For this comparison, I evaluated the finest Japanese travel protection plans from five top companies. I simulated the costs for a 30-year-old American voyaging to Japan for a fortnight with a trip cost of $2,500:

*Price shown for illustrative purposes

This passage provides an example of how insurance policies can offer varying levels of coverage. Deciding which benefits suit one`s needs is pivotal to selecting the most suitable plan. Do not worry; I will assist in narrowing the alternatives !

Best travel insurance for Japan

Let`s explore in more depth the best travel insurance options for Japan. While Heymondo has served us well for years (and we truly appreciate its coverage), I realize individuals have differing needs. For instance, if budget is a primary concern and medical protection is the key priority, SafetyWing could be an excellent selection.

Below, I’m sharing the five insurers that stand out concerning pricing, coverage, and benefits.

1. Heymondo, the finest travel medical insurance for Japan
2. SafetyWing, an inexpensive option for travel medical insurance in Japan
3. IMG Global, a suitable Japanese travel insurance for seniors
4. Travelex, a basic insurance policy for travel to Japan
5. Trawick International, a quality medical travel protection for Japan

1. Heymondo, the best travel insurance for Japan

Initially, Heymondo is the top Japanese travel medical coverage for those searching for a high amount of protection. With the Heymondo Top plan, you’ll have $250,000 in emergency healthcare and $500,000 for evacuation and repatriation. There are also great trip-related advantages like baggage loss protection, travel disruption, and trip cancellation.

Unlike other health insurers, Heymondo pays your medical expenses directly, so you aren’t obligated to cover the costs initially and apply for reimbursement subsequently. Merely utilize the round-the-clock app to contact customer support team, and they’ll indicate the nearest clinic or hospital to go to. By the time you arrive, they’ll have paid everything for you, so you can focus on recovering. The customer support app is also convenient for quick questions or concerns, as you can chat with a doctor without going to a medical facility.

Indeed, Heymondo isn`t the most affordable option. Still, it offers competitive pricing and incredible protection for unforeseen health issues, crucial for a country like Japan where medical care is costly.

Dom Hotel • Dorint An der Kongresshalle • Maximilian’s

As we travel full-time presently, we utilize their long-stay travel insurance and feel confident recommending it. If selecting this company, make the most of our Heymondo discount below .

2. SafetyWing, a cheap travel insurance for Japan

The online website SafetyWing is another noteworthy travel insurance for Japan. As previously stated, it’s a suitable choice if cost is a major concern and medical coverage is a top priority. SafetyWing’s Nomad Insurance is one of the most affordable travel insurance plans, even though expenses begin at $250 without coverage.

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 at no cost.

While it`s true that SafetyWing insurance provides fewer trip provisions, it still offers decent protection for trip interruptions and lost baggage. However, it does not cover trip cancellations. Unlike Heymondo, SafetyWing necessitates paying any medical costs upfront before filing a reimbursement claim.

3. IMG Global, a good Japanese travel insurance for seniors

IMG International is another Japanese travel medical coverage that stands out principally because of its variety of programs. For instance, its GlobeHopper Senior plan is one of the top travel insurances for seniors, covering individuals up to 99 years of age.

IMG also offers policies for families, students, and expats, offering travel protection for previous medical conditions. Whether taking a short trip or planning a longer visit to Japan, a plan can be found that meets individual needs.

As for the cost of this travel protection to Japan, it depends on the specific policy and your chosen coverage limits. While this type of customization is nice to have, it can also drastically raise the price substantially. I recommend reading through the conditions and exceptions to know exactly what is covered and what isn`t.

Considering these various advantages, I believe Holafly stands out as one of the premier SIM card options for Europe. Naturally, its coverage extends beyond Europe as well, including destinations like Mexico,Egypt,Japan, and other global locations.

4. Travelex, a basic insurance for travel to Japan

Travelex is an additional possibility and a decent overall travel insurance for Japan, thanks to its travel and medical-related protection. It has only two plans to choose from, so you don’t have to stress over finding the ideal 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 the most affordable option, it only provides limited amounts of coverage. The Travel Select plan costs about $30 more but raises your coverage to $50,000 and $500,000 for emergency medical and repatriation, respectively. Still, I don’t think this is adequate for Japan.

The Select plan can also cover pre-existing medical conditions with a 60-day look-back period. Moreover, this plan is among the best travel covers for families, allowing you to add children aged 1-17 at no extra premium.

However, when comparing Travelex to other insurers like Heymondo, it’s clear that the latter provides excellent protection and coverage limits for around the same cost. I would favor Heymondo over Travelex, especially if you’re seeking the best travel insurance for Japan.

5. Trawick International, a great medical travel insurance for Japan

Finally, Trawick International is another travel medical care for Japan truly worth considering. It offers a variety of plans with travel advantages like emergency healthcare costs coverage, evacuation and repatriation, and trip interruption protection.

That being said, Trawick has restricted 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 may be a great choice since some plans offer this benefit. Some additions, such as rental car coverage and Cancel For Any Reason (CFAR), are also available.

While the trip cancellation and interruption benefits are adequate, the amount provided for emergency medical coverage is fairly low. The plan we looked at offers comparable coverage to Heymondo but at a higher price point. Additionally, Trawick International doesn’t pay your medical expenses up front, so you’ll need to cover the costs initially and then submit a reimbursement claim afterwards.

What does Japanese travel insurance cover?

Remember, you ought to evaluate more than just the cost when purchasing health insurance for traveling to Japan. The types of coverage below are essentials for any policy:

Emergency medical expenses

Emergency medical coverage refers to the amount your insurer will pay for any physician visits, tests, procedures, and hospitalizations required if illness or injury occurs. You want this sum to be as high as possible, particularly when looking for Japanese travel insurance.

Important! Read through the conditions and stipulations, so you know precisely which sicknesses and incidents are included.

Repatriation & early return

Repatriation will cover the transportation expenses involved in sending you back to your home country due to severe sickness, trauma, or demise. This type of coverage is usually contained in Japanese travel health insurance, but confirming is always advisable.

Along comparable lines, early return coverage relates to scenarios where you must go home beforehand due to an unanticipated occurrence.

Baggage loss, delay & theft

Luggage issues are all too common while traveling, so this type of protection is a no-brainer. It’s particularly important in big cities such as Tokyo and Osaka, where pickpockets like to target tourists. Naturally, there can also be problems with the airline losing your bags.

Be sure your travel protection for 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 equipment, check if your policy covers electronic devices (some companies offer it as an add-on).

Trip interruption & cancellation

Trip interruption insurance covers varying amounts contingent on the provider, but it represents another crucial element of the top Japanese travel coverage. If an unexpected event interrupts your journey, this benefit will pay for the resulting costs of lodging and meals.

Canceling a trip isn`t always covered by standard travel insurance for Japan, but adding it as an extra benefit is worthwhile. You can find out more about this option in our guide to the top trip cancellation policies. Remember, this differs from Cancel For Any Cause (CFAC) insurance, but consider that option if you want the ability to cancel your trip and recoup costs.

Other coverage

Adventure activities are another type of coverage that can augment your travel insurance policy for Japan. Pursuits like scuba diving, white water rafting, and bungee jumping come under this domain. Even mountain treks at high elevations pose risks, so I advise including this protection if intending to participate in extreme sports and pursuits.

In conclusion, natural calamities like tsunamis, typhoons, and earthquakes aren’t unusual in a country like Japan. Incorporating this type of coverage in your policy is a wise decision .

Tips for finding the best travel insurance for Japan

Now that you recognize the top Japanese travel insurance companies and what your plan should cover, here are some final tips:

• Prioritize insurance with robust medical protection: Rather than centering on the pricing of the policy, examine the extent of healthcare included. It’s preferable to pay somewhat more for the strongest coverage. For example, Heymondo isn’t the most affordable choice, but it offers excellent protection benefits.

• Opt for a company that takes care of your bills upfront: When you become hurt or unwell while abroad, you don’t want to think about the medical costs; you just want to receive treatment. The best Japanese travel coverage will pay your healthcare expenses immediately so you can focus on recovery. This is another reason why we like Heymondo. Other businesses make you pay out of pocket and file lots of paperwork so you can get reimbursed, and in a nation like Japan, the prices can be high.

• Consider the onboarding process and policy terms: An insurer’s website and registration process can reveal a lot. Obtaining a quote should be fast and straightforward. Also, make sure you can read through all the conditions before purchasing.

• Pay close focus on the company’s customer care: This is a core part of possessing travel insurance for Japan. Regardless of the time, you want to be able to contact customer care and acquire assistance in your language. Heymondo offers a convenient 24/7 app to chat with a physician and access your insurance records.

If you’re still questioning whethertravel protection is worth it for a journey to Japan, my response is a resounding yes! While Japan is a safe nation, it’s impossible to foresee the future, so it’s better to have coverage for unexpected injuries, sicknesses, and events.

Moreover, residing in major cities similar to Tokyo presents the risk of dealing with thieves trying to take belongings without permission. Strong storms and tsunamis are common natural events in Japan. Thus, obtaining a policy including protection from natural disasters and early return benefits is crucial.

Heymondo covers various aspects of travel insurance and beyond, so choosing this particular Japanese travel coverage plan, be sure to utilize our Heymondo discount code for 5% off.

FAQs – Travel insurance in Japan

To finish up, here are some frequent questions and responses about choosing the best travel insurance for Japan:

That wraps up our guide to the best travel protection for Japan! I hope this article aids you in selecting the perfect plan to match your needs so you can enjoy your trip with complete reassurance. If you have any inquiries or want to share your experience with one of these Japanese travel insurance providers, feel free to leave me a comment below. I`d be delighted to hear from you!

Stay safe, and have a great time in Japan!