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Travel Insurance for a trip to Japan

Japan offers amazing food, culture, onsens, temples and more. Make sure you're covered for emergency medical expenses, baggage and more.

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Japan is an extraordinary destination that offers countless opportunities to wander around historic temples, get active in the great outdoors, relax in steaming onsens and enjoy delicious Japanese cuisine. Whether experiencing the bustling markets and nightlife in Tokyo, exploring the imperial palaces in Kyoto or marveling at Mount Fuji is on the cards, including travel insurance in your trip planning could be a smart idea.

Your World Nomads policy may include:

SRua Garrett at night
Sunset over Tokyo. Photo credit: Getty Images / Matteo Colombo

What should you look for when considering a travel insurance policy for a trip to Japan?

An emergency situation affecting your travel plans could spell disaster for you and your wallet. A sick parent, natural disaster, ski accident in Niseko or swiped phone in Shibuya can derail your trip. Travel insurance is designed to cover losses resulting from these types of unforeseeable and emergency circumstances.

A travel insurance plan that includes trip cancellation and interruption coverage can help protect your travel investment and should also provide cover for your baggage and personal effects and emergency medical cover in case you become sick or injured while on your trip. Travel insurance does not cover everything so read your policy in full to ensure it meets your needs.

What’s covered

Trip cancellation and trip interruption

Illness and accidents can happen unexpectedly. If you get sick or injured and a doctor says you can’t travel, you may be able to recover non-refundable, prepaid costs. If you need to cut your trip short due to a sudden family death or a serious emergency, your policy’s trip-interruption benefits may cover the cost of your expenses to return home, along with any forfeited prepaid, non-refundable trip costs.

Since natural disasters like earthquakes, cyclones and tsunamis can happen in Japan, you may also be protected by your plan’s trip cancellation and interruption benefits, as long as you buy your policy before a natural disaster becomes a known event.

When you file a claim for cancellation or interruption, you will need to submit documentation of non-refundable, prepaid trip costs and associated expenses.

busy crossing on Japan
Busy crossing in Japan. Photo credit: Unsplash / Jason Ortego

Emergency medical and coverage for some COVID-19 related events

Your American health insurance probably won’t travel with you to Japan, so you may want to consider travel insurance that can cover overseas medical expenses. If you become sick or injured without travel insurance, you will have to pay any out-of-pocket medical costs, dental expenses or even worse, emergency evacuation back to the US.

Medical care can be expensive and bureaucratic in Japan. While Japan offers universal health care for residents and those staying more than a year, everyone else is expected to carry some form of travel insurance with coverage for the treatment of sudden illness or injuries with them at all times. Doctors may refuse to treat you without it. 

If that Sumo wrestling match gets a little rowdy and you’re injured in the crowd, or you twist your ankle climbing up the stairs to a Kyoto temple, travel insurance may cover your medical expenses. And in the event of severe illness or injury, if a doctor recommends that you be transported to a hospital in your home province for emergency medical treatment, you may be covered for an evacuation or repatriation.

The World Nomads trip protection plan for US residents may provide coverage for specific issues if you test positive for the COVID-19, including emergency medical and trip interruption coverage if you contract COVID-19 while traveling in Japan. For more information on COVID-19-related coverage, read our Travel Insurance & COVID-19 article

Tsutenkaku is a tower and well-known landmark of Osaka, in the Shinsekai district of Naniwa-ku. Photo credit: Getty / fotoVoyager

24/7 Emergency Assistance Team 

Handling a medical or other emergency can be daunting, but with a World Nomads travel insurance policy, you’re not alone. Our 24/7 Emergency Assistance Team may help you find appropriate medical care, liaise with doctors and other medical personnel, and help with arrangements including upfront payment of medical care if deemed necessary.

Japanese is not the easiest language for visitors to master. World Nomads includes translation services as part of its suite of benefits. This may come in handy especially if you find yourself in need of emergency medical care.

Coverage for sports and recreational activities in Japan

If you’re headed to Japan to paddle board on Iriomote Island, bike around the Noto Peninsula or surf one of Japan’s many Pacific swells, World Nomads offers travel insurance coverage for more than 150 activities and sports. Your World Nomads policy also may provide cover for sports equipment and gear if it is damaged, lost or stolen during your trip to Japan. Take time to look over your travel insurance documents to see if your intended activities are covered.

Lost, stolen or delayed baggage coverage

When traveling to Japan, especially if your itinerary requires connecting flights, your luggage could take a detour. And petty theft like pickpocketing can be common in tourist areas, even in safe countries like Japan. World Nomads may cover the loss, theft or damage to your baggage, sporting equipment or personal belongings.

if your baggage is delayed by your airline or ground carrier for 12 hours or more while you are on your trip, your bag-delay benefits may allow for personal care items and a change of clothes until your bags catch up with you.

Travel insurance may also provide reimbursement towards the cost to replace lost or damaged baggage, personal belongings and sporting equipment. Read your policy in full to understand how depreciation can affect your claim.

If your bags or possessions have been damaged, lost or stolen, file an incident report with the relevant authorities immediately. You’ll need this documentation and receipts when you file a claim. Travel insurance is secondary to the baggage loss benefits provided by your common carrier. And remember, travel insurance won’t cover losses due to policyholder negligence (e.g. overindulging in Sake and leaving your expensive jacket in a bar).

What’s not covered?

There are exclusions when you purchase travel insurance. Things that won’t be covered by travel insurance include but are not limited to:

  • Medical evacuation or repatriation for any incidents or events related to drug and alcohol abuse, or that is not pre-authorized by our emergency assistance team.
  • Trip cancellation for events that occurred before your policy was purchased (natural disaster, strike, etc.)
  • Damage to sporting equipment while in use.

If you have any questions, or are unsure if something is covered, please call our customer service team.

This is a summary of coverage only. Travel insurance has terms, conditions, limits and exclusions. Read your chosen policy carefully, and please reach out if you have any questions about what’s covered and what’s not. We’re happy to help.

Travel Insurance Benefits: how we can take care of you

Trip Protection

Protect your hard earned vacation from unexpected cancellation.

  • Explorer Plan: $10,000
  • Standard Plan: $2,500
Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical or dental costs.

  • Explorer Plan: $100,000
  • Standard Plan: $100,000
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Evacuation

We'll provide assistance to get you to the hospital or home quickly.

  • Explorer Plan: $500,000
  • Standard Plan: $300,000
Emergency Evacuation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Covers the loss, theft or damage of your bags, tech and gear.

  • Explorer Plan: $3,000
  • Standard Plan: $1,000
Protect your gear
  • Passport stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Accident & Sickness Medical Expense
  • Repatriation of Remains
  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Baggage & Personal Effects
  • Baggage Delay (outward journey only)
  • Rental Car Damage – where permissible
  • Accidental Death & Dismemberment
  • Generali Global Assistance 24-Hour Assistance Services
  • Generali Global Assistance Non-Medical Emergency Transportation Services
This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.

24/7 emergency assistance

Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Wherever you are, we’re here 24/7 to help you in any emergency.

Are you in need of emergency assistance right now?

Contact Generali Global Assistance:
Telephone: +1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada

Contact the team

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.

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