The Best Travel Insurance in Japan for Travelers

Allianz offers the best travel insurance for first-time travelers and business travelers, IMG and AXA offer the best medically-focused travel benefit plans, and World Nomads has the best hazardous activities coverage for adventure seekers.

Discover the world’s top health insurers.
Compare quotes with a click of the button.

Are you going to be traveling to Japan soon and need help finding the right travel insurance plan? Not sure which providers to trust or which plan to select?

This Pacific Prime article will simplify that process for you as we delve deeply into the 7 best travel insurance providers that cover Japan, what makes each of them unique, and what plans they offer.

It may also be helpful for you to better understand how the healthcare system works in Japan and to read our core article introducing The 5 Best Travel Insurance Companies before you choose.

Kickstart Your Search for the Perfect Insurer

Compare over
50,000 Plans
from Top Insurers

Providers Who Sell the Best Japan Travel Coverage Plans

Image of City Skyline With River View In Tokyo, Japan with text overlay of "Japan Travel Coverage Plans"

Allianz Travel, World Nomads, Travel Guard, Trawick International, IMG, AXA, and Seven Corners have the best travel insurance plans for a trip to Japan. Depending on your needs, you may choose Travel Guard or IMG for medical coverage, AXA for affordability, or Allianz for trip cancellation benefits.

Allianz Travel – Great for comprehensive coverage, including trip cancellations, medical emergencies, and delays.
World Nomads – Best for adventure travelers and those engaging in activities like skiing or hiking in Japan.
Travel Guard (AIG) – Offers customizable plans with strong medical and trip protection.
Trawick International – Provides high medical coverage and emergency evacuation, ideal for long stays.
IMG (International Medical Group) – Good for travelers needing flexible coverage with medical and travel protection.
AXA – Affordable option with solid trip cancellation and emergency medical benefits.
Seven Corners – Great for travelers who need high medical limits and strong emergency support.

Let’s learn more about each Japan coverage provider below.

Allianz Travel Insurance for Japan: A Reliable Choice

Allianz Travel is one of the most trusted travel insurance providers, offering comprehensive coverage, strong financial backing, and excellent customer service. Travelers heading to Japan choose Allianz for their wide variety of plans, low costs, and because most plans don’t have a deductible.

Allianz is an ideal insurance company for first-time travelers who want trusted, easy-to-understand coverage, families or luxury travelers booking expensive trips needing strong cancellation coverage, business travelers needing a reliable, hassle-free claims process, or long-term or multi-trip travelers who benefit from annual coverage options.

Here are some of the benefits and reasons travelers to Japan choose Allianz:

Strong Medical & Emergency Coverage – Allianz offers plans with high medical limits and emergency evacuation coverage, essential in case of unexpected illness or injury.
Trip Cancellation & Interruption – Covers non-refundable costs if your trip is canceled or interrupted due to illness, severe weather, or unforeseen events.
Travel Delay Benefits – Reimburses meals, lodging, and essential items if your flight is delayed.
Baggage Protection – Helps replace lost, stolen, or delayed baggage.
24/7 Assistance – Multilingual support for medical emergencies, lost passports, and other travel issues.
Customizable Plans – Allianz offers various plans for different budgets, from basic coverage to premium protection.

Here are the Single Trip plans offered by Allianz:

OneTrip Basic – Budget-friendly plan with essential coverage for trip cancellations, delays, and baggage loss. It’s ideal for travelers on a budget who still want protection.
OneTrip Prime – Includes higher medical coverage, emergency evacuation, and trip interruption benefits. It’s great for travelers who want comprehensive protection at a moderate price.
OneTrip Premier – The highest level of single-trip coverage, offering maximum benefits for trip cancellations, medical emergencies, and baggage protection. Best for luxury travelers or expensive trips.
OneTrip Emergency Medical – Focuses primarily on medical coverage and emergency evacuation, making it perfect for travelers who already have trip cancellation coverage elsewhere but need strong medical benefits.

Here are the Multi-Trip plans offered by Allianz:

AllTrips Basic – Affordable annual plan with medical and emergency evacuation coverage, ideal for frequent domestic or short international travelers.
AllTrips Prime – Adds trip cancellation, trip interruption, baggage, and rental car protection, making it one of the most popular options for business or leisure travelers.
AllTrips Executive – Designed for business travelers, it includes higher limits for lost or delayed baggage, business equipment protection, and premium trip delay benefits.
AllTrips Premier – The most comprehensive annual plan, offering the highest medical and trip cancellation coverage, perfect for travelers taking multiple expensive trips per year.

World Nomads: Travel Insurance Provider for Japan

World Nomads is known for their flexible plans, high medical coverage, and excellent adventure sports protection. They are a top choice for adventurous travelers heading to Japan or anyone planning to explore Japan beyond the cities. They offer a Standard plan and Explorer plan.

World Nomads travel insurance is also perfect for backpackers and budget travelers, digital nomads and long-term travelers, and those who may want to extend or purchase coverage on the go.

Here are some of the benefits and reasons travelers to Japan choose World Nomads:

Strong Medical & Emergency Coverage – High limits for medical expenses and emergency evacuation, essential for international travel.
Adventure & Sports Coverage – Unlike many insurers, World Nomads covers over 200+ adventure activities, including skiing, snowboarding, hiking, and diving—perfect for Japan’s outdoor experiences.
Trip Cancellation & Interruption – Reimburses prepaid expenses if you need to cancel or cut your trip short due to illness, injury, or unforeseen events.
Baggage & Gear Protection – Covers stolen, lost, or damaged belongings, including electronics and sports equipment.
24/7 Emergency Assistance – Global support for medical emergencies, travel disruptions, or lost documents.
Flexible Coverage – You can buy or extend coverage even while already traveling, a feature most providers don’t offer.

Here are the travel insurance plans offered by World Nomads:

Standard Plan: This offers budget-friendly coverage for trip cancellations, medical emergencies, and lost baggage. It includes some adventure sports like snorkeling and hiking. This plan is best for budget travelers who still want essential coverage.
Explorer Plan: This plan offers higher coverage for medical care and trip protection than the Standard Plan. It also covers more extreme activities, such as skiing, scuba diving, bungee jumping, and martial arts. This plan is best for adventure travelers, digital nomads, and those planning risky activities in Japan.

Travel Guard: A Strong Travel Insurance Provider for Japan

Travel Guard, a travel insurance provider under AIG (American International Group), is a trusted choice for travelers heading to Japan because they are known for comprehensive coverage, customizable plans, and excellent customer service. Travel Guard offers a range of single-trip and annual plans.

Travel Guard is perfect for budget travelers, families or mid-range travelers, luxury travelers, adventure travelers, and frequent travelers.

Foreigners heading to Japan choose Travel Guard because they offer these services:

Strong Medical & Emergency Coverage – Covers medical expenses and emergency evacuation in case of illness or injury abroad.
Trip Cancellation & Interruption – Reimburses non-refundable expenses if you need to cancel or cut your trip short.
Baggage Protection – Covers lost, stolen, or delayed baggage, ideal for international travelers going to Japan.
Travel Delay Benefits – Helps cover meals, lodging, and essentials during flight delays.
Adventure & Sports Coverage Add-ons – Great for travelers planning to ski in Hokkaido or hike in Mount Fuji.
24/7 Assistance Services – Global support for medical emergencies, lost passports, and travel disruptions.
Customizable Plans – Add extra coverage, including Cancel for Any Reason (CFAR), rental car damage, and pet coverage.

Here are the tiers of coverage offered by Travel Guard:

Essential Plan (Basic Coverage): Best for budget travelers who need basic trip protection at an affordable rate.
Preferred Plan (Mid-Level Coverage): Travel Guard’s most popular plan with higher medical limits, better trip protection, and rental car coverage. This is great for travelers looking for solid, well-rounded coverage for Japan.
Deluxe Plan (Premium Coverage): This offers the highest level of coverage, ideal for luxury trips or longer stays. This is best for travelers who want complete peace of mind with minimal financial risk.

Trawick International: Travel Insurance for Japan

Trawick International is an excellent choice for travelers to Japan, offering high medical coverage, strong emergency evacuation benefits, and customizable plans. Trawick is known for affordable pricing and generous coverage limits, ideal for both budget travelers and those seeking premium protection.

Trawick is ideal for travelers who want high medical and evacuation coverage, adventure activities protection, affordable coverage, and cancel for any reason coverage.

Here are some of the reasons travelers to Japan choose Trawick:

High Medical Coverage – Offers up to $500,000 in medical expenses, making it a great choice for travelers needing strong healthcare protection in Japan.
Emergency Evacuation & Repatriation – Provides up to $1,000,000 in evacuation coverage, which is essential for medical emergencies requiring transport.
Cancel for Any Reason (CFAR) Option – Available on some plans, allowing travelers to cancel for any reason and still get reimbursed up to 75% of trip costs.
Adventure Sports Coverage – Certain plans cover skiing, hiking, and water activities, perfect for those exploring Japan beyond the cities.
COVID-19 Coverage – Includes medical treatment and quarantine expenses related to COVID-19.
Affordable Pricing – Offers competitive rates with high coverage limits, making it a cost-effective alternative to other providers.
Strong Baggage & Trip Delay Protection – Covers lost, stolen, or delayed baggage and trip delays due to weather or airline issues.
24/7 Assistance Services – Provides multilingual support for medical emergencies, lost passports, or trip disruptions.

Here are the plans offered by Trawick International in Japan:

Safe Travels Voyager: Best for premium protection with high medical limits and CFAR add-on. It includes $250,000–$500,000 in medical coverage and $1,000,000 in evacuation benefits. This is great for travelers booking expensive trips or needing maximum security.
Safe Travels Explorer: This is a mid-tier plan offering solid medical and trip cancellation coverage and adventure activities coverage. This is more budget-friendly than the Voyager plan.
Safe Travels Basic: This is a budget-friendly plan with essential trip cancellation, baggage, and medical coverage, ideal for short-term travelers who need basic protection.
Safe Travels International: This is a medical-focused plan with high emergency medical limits but no trip cancellation coverage, perfect for those who only need medical protection while traveling in Japan.

IMG: A Strong Travel Insurance Provider for Japan

IMG (International Medical Group) is a leading travel insurance provider offering comprehensive medical and travel protection for those visiting Japan. They are known for strong international medical coverage, flexible plan options, and excellent emergency services.

IMG is ideal for travelers who prioritize healthcare protection and customizable benefits. IMG is also designed for budget travelers, families and leisure travelers, luxury travelers, adventure sport travelers, and long-term/expat travelers.

Here are some of the reasons travelers to Japan choose IMG over other providers:

Higher Medical Coverage Options – Some plans cover up to $500,000, making it one of the best for healthcare protection.
Best for Medical-Focused Travelers – Unlike World Nomads or Travel Guard, IMG specializes in global health insurance.
Cancel for Any Reason (CFAR) Option – Available on iTravelInsured Travel LX, providing more cancellation flexibility.
Great for Adventure Travelers – Includes sports and outdoor activity coverage that some standard policies exclude.
Long-Term Coverage Options – IMG offers GlobeHopper and international medical plans, ideal for expats, students, and digital nomads.
Strong Emergency Evacuation & Repatriation – Covers up to $1,000,000 for medical evacuations, which is crucial in case of severe medical emergencies.
Customizable Plans – Travelers can tailor coverage levels, including trip cancellation, medical, and adventure sports add-ons.

Here are the travel insurance plans offered by IMG to travelers heading to Japan:

iTravelInsured Travel Lite: This is best for budget travelers needing essential trip protection like trip cancellation, trip delay, and baggage loss. It has lower medical limits but still offers essential coverage.
iTravelInsured Travel SE: This is IMG’s mid-range plan with higher medical coverage and better trip protection and baggage loss. This is good for families and standard leisure travelers.
iTravelInsured Travel LX: This is IMG’s premium plan with the highest coverage limits. It includes Cancel for Any Reason (CFAR) add-on for more cancellation flexibility and is best for high-cost trips, luxury travelers, or those seeking full protection.
GlobeHopper Travel Medical Insurance: This medical-focused plan has strong international healthcare coverage and emergency evacuation benefits but no trip cancellation. It is ideal for long-term travelers, expats, and digital nomads.

AXA: A Favorite Travel Insurance Provider for Japan

AXA is a top-rated travel insurance provider offering comprehensive, affordable, and flexible coverage for trips to Japan. With strong medical protection, trip cancellation benefits, and excellent 24/7 assistance, AXA is a great option for travelers looking for reliable coverage at low prices.

AXA travel insurance is perfect for budget travelers, families and leisure travelers, luxury travelers, cancel for any reason coverage, and health-conscious travelers seeking high medical protection.

Here are some of the reasons travelers heading to Japan choose AXA:

Higher Emergency Evacuation Limits – Up to $1,000,000 in evacuation benefits, making it one of the best for emergency care.
Affordable & Competitive Pricing – Offers strong benefits at lower prices compared to Allianz and Travel Guard.
Cancel for Any Reason (CFAR) Option – Available on Platinum Plan, giving more flexibility than standard trip cancellation policies.
Comprehensive COVID-19 Protection – Covers medical expenses and trip cancellations due to COVID-19, unlike some budget policies.
Great for Family Travelers – The Gold and Platinum Plans offer well-rounded coverage for families and group travelers.
Trip Cancellation & Interruption Benefits – Reimburses up to 100% of trip costs for covered reasons such as illness, accidents, or natural disasters.
24/7 Worldwide Assistance – Offers multilingual emergency support, including medical assistance and travel disruptions.

Here is an introduction of the various travel plans AXA offers in Japan:

Silver Plan: This budget-friendly coverage plan is best for budget travelers needing basic trip protection for trip cancellations, medical expenses, and baggage loss.
Gold Plan: This mid-range plan is best for families and standard travelers who want better coverage without high costs. It offers higher medical limits and trip protection than the Silver Plan, and it includes travel delay and baggage protection.
Platinum Plan: This premium Coverage plan is best for luxury travelers or those booking expensive trips. Platinum includes a Cancel for Any Reason (CFAR) add-on for more flexibility, and it offers the highest medical and trip cancellation limits available.

Seven Corners: Travel Insurance Provider for Japan

Seven Corners is a trusted travel insurance provider known for its comprehensive coverage, high medical benefits, and flexible plan options. It’s an excellent choice for travelers heading to Japan, offering robust emergency medical, adventure sports, and benefits for a variety of travelers.

The travel insurance by Seven Corners is ideal for budget travelers, families, luxury travelers, adventure travelers, expats and digital nomads, and cancel for any reason benefits.

These are some of the reasons travelers in Japan choose Seven Corners:

High Medical Coverage – Provides up to $500,000 in emergency medical expenses, ensuring strong protection in case of accidents or illness.
Emergency Evacuation & Repatriation – Covers up to $1,000,000 in evacuation costs, essential for medical emergencies requiring transport.
Trip Cancellation & Interruption Benefits – Offers reimbursement of up to 100% of trip costs for covered cancellations, such as illness or severe weather.
Cancel for Any Reason (CFAR) Option – Available on certain plans, allowing travelers to cancel for any reason and get reimbursed up to 75% of non-refundable trip costs.
COVID-19 Coverage – Covers medical expenses and trip cancellations due to COVID-19, including quarantine costs.
Adventure Sports & Hazardous Activities Coverage – Ideal for travelers planning to ski, snowboard, hike, or participate in other adventure sports in Japan.
24/7 Multilingual Assistance – Provides global emergency support, helping with medical emergencies, lost passports, or trip disruptions.
Flexible Pricing & Plan Options – Offers both budget-friendly and premium plans, making it easy to find the right coverage for any trip.

Here are the travel plans from Seven Corners:

RoundTrip Economy: This is a budget-friendly plan best for budget travelers who need basic trip protection for cancellation, medical coverage, and baggage loss protection.
RoundTrip Choice: This mid-tier coverage plan comes with a CFAR option, and it is best for families and standard travelers who want higher medical and trip protection.
RoundTrip Elite: This premium protection plan comes with maximum benefits for luxury travelers or those with high-cost trips. It provides the highest medical, evacuation, and trip cancellation limits and includes strong COVID-19 and adventure sports coverage.
Travel Medical Plus: This is a medical-focused plan designed for travelers who need strong medical coverage but no trip cancellation benefits. It includes high emergency medical limits and evacuation coverage, ideal for long-term travelers, digital nomads, and expatriates.

Benefits of Using a Broker When Getting Travel Insurance

Brokers can save travelers time and money in the research and comparison process and by using their market knowledge to find you the best deals available. Travelers heading to Japan should purchase their insurance plans through a broker instead of from the insurance company.

Here are some benefits travelers get from using an insurance broker:

You get access to more insurance choices.
You get experienced insurance experts researching your situation for you.
You get access to the most cost-effective plans available.
You get assistance when submitting claims for reimbursement.
You get expert advice designed to help you find the right plan for you, not to be led to the plan an insurance agent wants you to choose.

There are many more benefits to using a broker, and Pacific Prime is your broker of choice. Let us help you find the right Japan travel insurance plan for your budget and needs. Contact us to learn more!

Frequently Asked Questions

What is the best travel insurance company for a trip to Japan?

The best travel insurance for Japan depends on your needs: Allianz (comprehensive coverage), Travel Guard (customizable plans), World Nomads (adventure sports), Trawick International (high medical limits), IMG (medical-focused), AXA (budget-friendly), and Seven Corners (flexibility & CFAR).

How much does travel insurance cost for a trip to Japan?

Travel insurance for Japan typically costs 4-10% of your total trip cost. Basic plans start at $30-$50, while comprehensive plans with high medical and cancellation coverage range from $100-$300+. Prices vary based on age, trip length, coverage limits, and optional add-ons.

What’s the cost of a doctor visit in Japan without insurance?

A doctor visit in Japan without insurance typically costs $50-$150 at a clinic and $200-$500+ at a hospital, depending on the treatment. Emergency care or specialist visits can be higher. Travel insurance is essential because costs for hospitalization or surgery can be thousands of dollars.

Start by Comparing
Insurance Plans Online

Browse and Compare 50,000+
International Health Plans

Conclusion

This article has introduced you to the 7 best travel insurance providers and their plans for travelers heading to Japan. We’re reviewed who their plans are best suited for, the services that make each provider unique from the others, and the plan options you are able to choose from.

We hope this page has been useful for you, and if you’re ready to begin comparing travel insurance quotes, we recommend contacting one of our insurance brokers.

If you’re not set on traveling to Japan or want to tour other countries while abroad, read our articles A Complete Guide to the Best Travel Insurance in Dubai and The Best Travel Insurance in Thailand.

Japan travelers may also want to read these articles:

Author
Recent Posts

Serena Fung

Head of Content at Pacific Prime

Serena Fung is the Head of Content at Pacific Prime, a global insurance brokerage and employee specialist serving over 1.5 million clients in 15 offices across the world. With 6+ years of experience writing about the subject, she aims to demystify the world of insurance for readers with the latest updates, guides and articles on the blog.

Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).

Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.