What is the best travel insurance for Japan? This is one of the most common questions when planning a trip to the Land of the Rising Sun. Along with accommodation and transportation, travel insurance is the third pillar of a successful trip.

The importance of obtaining the best travel insurance for Japan stems from the fact that healthcare in Japan is very expensive. A few years ago, many travellers were unaware of these high costs. Nowadays, thanks to the extensive information on the subject and the cases of bills with very high values that have been seen in the media, travel insurance to Japan is already an essential part of this experience. 

Thanks to the best travel insurance in Japan, you will be fully covered while visiting the spectacular Shinto temples, wandering through the bustling streets of Akihabara, or walking through the thousands of torii gates at Fushimi Inari Mountain. In this guide, we will share with you all the details and coverage of the best travel insurance for Japan and show you how simple it is to purchase your insurance.

Why get travel insurance for Japan  

Whether in Morocco, Peru or Thailand, travel insurance is the best ally for every traveller to be covered in case of problems with luggage, flights, or the need for medical assistance, but it is in countries like Japan where it becomes an essential element. The reason is the high cost of medical assistance and the great difficulty in finding it in a language other than Japanese.

bikes in front of a store in japan

Fortunately, Japan is a country where the risks of contracting diseases present in other Asian countries are very low, but it is important to note that problems that would be completely treated at no cost in your country can cause you to ruin your Japan trip. To give you an idea, here are some of the prices you may have to pay if you don’t have the best travel insurance for Japan:

  • Medical visit for lower back pain: from 500 euros.
  • Simple appendectomy operation: from 10,000 euros. 
  • Emergency transfer to the hospital + surgery + admission: from 38,000 euros. 
  • Bone fracture: from 15,000 euros. 

As you can see, we are not talking about rare diseases or unlikely cases. Anyone can have a silly slip outside a church, an accidental collision with a cyclist, or be affected by something as unpredictable as appendicitis. If you’ve already started looking at accommodation prices on your route, you’ll quickly realize that the cost of the best travel insurance for Japan is lower than the cost of a single night in a mid-range hotel for two people. So why risk it when you can travel with total peace of mind?

What is the best travel insurance for Japan?  

We will detail the coverage you should consider and the most necessary characteristics when purchasing your travel insurance for Japan, but if you want to take a quick look now, the best travel insurance for Japan is:

  • IATI Total Comfort: If you are travelling from the European Union;
  • IATI Star: If you are travelling from anywhere outside the European Union;

Features of the best travel insurance for Japan  

The coverage of IATI Star and IATI Total Comfort, which we will discuss in more detail later, is ideal for a trip to an expensive country like Japan. But before we delve into the specifics, it’s important to familiarize yourself with some of their most powerful features.

100% in your language 

If you suffered a fall and twisted your ankle or had a problem with your luggage at the Tokyo airport, can you imagine having to explain your problem in English in that moment of uncertainty? Well, Japan is one of the most difficult countries in Asia to communicate in English. By travelling with your IATI Star and IATI Total Comfort travel insurance to Japan, you will always receive assistance in your language. All you must do is call us, tell us about your incident, and we will tell you what steps to take. Additionally, if necessary, you can use a translator who will help you explain your case to a doctor or nurse.

No deductibles 

As this term may be new to you, we’ll tell you what it is so you can make an informed comparison. Some companies offer low prices for travel insurance to Japan but hide in small print that they are insured with a deductible. Insurance with a 100 euro deductible means that if you must go to the doctor, the first 100 euros will be paid out of your pocket. For example, if you have a stomach problem and go to the doctor to get a prescription to help you, and the bill comes to 105 euros, that insurance will only pay you 5 euros and you will have to pay 100 euros, even if you paid for the travel insurance.

At IATI, none of our insurances, including the best travel insurance for Japan, have a deductible. We take care of everything. 

trees with pink flowers above a river in japan

You don’t have to pay a penny, we take care of everything 

It is also very common to find companies that require you to pay all the costs of your medical assistance out of your pocket and, after a long process and paperwork of claims, you can get your money back. When travelling with any IATI insurance, this will not happen to you. 

The process is as simple as that. If you need assistance, call us, tell us about your case, and we will tell you where to go. When you arrive at the medical center, we will have already contacted them, and they will be waiting to see you. After the visit, you won’t have to pay anything. 

Cancellation option – cancelling your trip to Japan 

When it comes to trips that include flights, accommodation, and high-cost activities, most travellers seek an option that IATI pioneered: cancellation insurance. If you find yourself in one of the more than 35 covered cases and are unable to go on your trip, you would have up to 5,000 euros (IATI Star) and up to 2,000 euros (IATI Total Comfort) to cover what you couldn’t recover in cancellations or agencies. In the terms and conditions of the both pages you can see all the covered causes. These consider events such as the death of a family member, a hospital stays, or being called for a trial or polling station, among a long list.

Much more than just health 

The best insurance for travelling to Japan should take care of you, much more than just your health. That’s why IATI Star and IATI Total Comfort have extensive coverage that goes beyond medical care. In case of luggage theft, we cover up to 2,500 euros in IATI Star and up to 1,500 euros in IATI Total Comfort. If your luggage doesn’t arrive on time, we cover up for your basic needs. We cover 100% in case of repatriation and 100% in case of early return due to hospitalization or death of a family member.

red and green temple in front of a mountain in japan

The Best Travel Insurance Coverage for Japan 

Now that you know the coverage your travel insurance for Japan should have, you may be interested in learning more about the features offered by our policies for travellers heading to this destination. On the IATI Total Comfort and IATI Star pages, you can find detailed information about our travel insurance and its benefits.

In the following table, as a summary, we show you some of the coverages if you are travelling from the EU:

Travel Insurance for Japan Medical Expenses Coverage  Theft and baggage damage Adventure Sports Cancellation coverage (optional) Repatriation
IATI Total Comfort €10,000,000 €1,500 100% €2,000 100%

If you are travelling from outside the EU, here is the summary of the features of the best travel insurance:

Travel Insurance for Japan Medical Expenses Coverage  Theft and baggage damage Adventure Sports Cancellation coverage (optional) Repatriation
IATI Star €1.000.000 €2,500 100% €5,000 100%

How much does travel insurance for Japan cost? 

To conclude this guide on the best travel insurance for Japan, we will answer the only question you probably still need an answer to before getting your IATI Star or IATI Total Comfort for Japan: How much do these travel insurances cost?

International health insurance Price for 1 week 2 weeks 3 weeks
IATI Total Comfort 82 € 120 € 198,69 €


International health insurance Price for 1 week 2 weeks 3 weeks
IATI Star 63,44€ 99,38 € 123,62 €

How to hire your travel insurance for Japan 

Now that you’ve seen that IATI Star is the best travel insurance, we’ll show you the simple steps to take to buy yours. The first step is as simple as clicking on this button to access the purchase menu:



Here you need to fill in your travel details:

  • Country of residence: your country
  • Travel destination: Japan
  • Start date and end date of your trip
  • Number of travellers
  • Type of insurance: travel insurance

After completing the menu, click “Get a quote” select your travel insurance (IATI Total Comfort or IATI Star), and then click “Contract”. Here you will have the option to add the Trip Cancellation Supplement that we have already mentioned, which will allow you to recover up to 5,000 euros in case you have to cancel your trip due to any of the events covered. It’s the preferred supplement of travellers who trust us, it’s worth it!

Click “Continue,” fill out the form with your details, and that’s it, you’ve just made the best travel insurance for Japan in 2 minutes, isn’t it simple? You will immediately receive by email the document with your policy number and the phone number to contact in case of assistance. Keep it in case you need it. 

Japan is a unique and exciting country that you will enjoy. We hope everything goes perfectly, but if something happens, you can be sure that you are in the best hands. Don’t wait any longer and get your travel insurance for Japan now.