Trip Cancellation Travel Insurance – Key Benefits for U.S. Citizens
airplanemode_inactiveTrip Cancellation: Reimbursement for loss of pre-paid, non-refundable payments.
ambulanceMedical Evacuation: Transportation to or between hospitals as needed.
work_historyTrip Delay: Reimbursement of food and lodging expenses due to delay in travel.
luggageLost Baggage: Pays sum for lost or delayed luggage by airline.
home_healthMedical Expenses: Covers cost of treatment for sickness or injury during your vacation.
Travel Medical Insurance Quote
Travel Medical Insurance Without Trip Cancellation Coverage – Highlights
medical_servicesHealth Care Expenses: Covers medical costs for sickness or accidents during travel.
personDoctor Visit: Covers cost of clinic or doctor visit.
medicationPharmacy Drugs: Expenses for doctor-prescribed eligible medications.
ambulanceMedical Evacuation: Transportation to or between hospitals as needed.
procedureRepatriation of Remains: Return of mortal remains to home country or local burial.
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Japan, an island nation located in East Asia, is renowned for its unique blend of ancient traditions and modern innovation. It consists of four main islands—Honshu, Hokkaido, Kyushu, and Shikoku—along with numerous smaller islands.
Japan is known for its rich cultural heritage, including traditional arts such as tea ceremonies, calligraphy, and kabuki theater.
It is also famous for its iconic landmarks like Mount Fuji, ancient temples, and historic castles. Japan is a global leader in technology and has made significant contributions to industries such as automotive manufacturing, electronics, robotics, and video games.
The country boasts a fascinating blend of bustling metropolises like Tokyo, Kyoto, and Osaka, with serene natural landscapes, including cherry blossom-filled parks, hot springs, and picturesque rural areas. Japanese cuisine, with its sushi, ramen, tempura, and more, is celebrated worldwide for its exquisite flavors and meticulous preparation. Overall, Japan offers visitors a captivating mix of tradition, innovation, natural beauty, and cultural experiences.
Thanks to all these famous attracts, Japan has about 25 million international tourists annually. While the largest source of tourists are from China, South Korea, Taiwan and Hong Kong, over a million tourists are from the United States.
Why do you need travel health insurance for Japan?
While Japan has one of the top healthcare systems in the world, medical care is not free for tourists or foreigners. The system requires visitors to pay for their medical services which includes doctor visits, hospital stays, and emergency treatment, which can quickly become expensive. Even a minor illness or accident may result in significant medical bills.
For this reason, purchasing travel insurance for foreigners in Japan is strongly recommended. A comprehensive Japan travel health insurance plan can cover unexpected healthcare expenses, hospitalizations, accidents, emergency evacuation, trip interruptions, due to the sudden onset of a pre-existing medical conditions in many situations.
At American Visitor Insurance, you can compare top-rated plans, get instant quotes, and buy affordable travel health insurance for Japan online within minutes. For personalized help, 877-340-7910 or email and one of our licensed agents to find the best coverage for your trip.
What Does Travel Insurance for Japan Cover?
Medical Expenses: Includes the costs associated with sickness or injury while on your trip to Japan. It also includes hospitalization, doctor’s visits, and prescription medications.
Trip Interruption or Cancellation: Reimbursement of any trip costs that are non-refundable due to unforeseen events.
Repatriation of Remains: Pays for the return of mortal remains in the event of death.
Accidental Death and Dismemberment (AD&D): Benefit given to beneficiaries in the event of an accidental death or serious injury.
Cancel for Any Reason (CFAR): Allows travelers to cancel their trip for any reason at least 48 hours before departure and get reimbursed for 50%–75% of non-refundable trip costs. It must be purchased within a specific time frame.
Pre-Existing Conditions Coverage: Travel insurance to Japan plans may exclude coverage for pre-existing medical conditions, but some Japan visitor health insurance plans provides coverage for acute of pre-existing conditions. This means coverage will be provided for a sudden and unexpected flare-up of a pre-existing condition (subject to age limits and policy’s terms). This is very important for older travelers or travelers with chronic health conditions.
Adventures Sports Coverage: Japan has some of the best skiing and snowboarding in Asia. Skiing and snowboarding can be dangerous activities. Standard travel insurance plans does not include coverage for high-risk activities. You can buy add-on adventure sports coverage to protect against accidents or injuries during these activities.
How Much Is Travel Insurance to Japan from USA Cost in 2026?
Travel Medical Insurance for Japan from USA
Travel Medical Insurance: If you want coverage for emergency medical expenses such as hospital bills and doctor visits caused by sudden sickness or injuries from an accident, consider buying these travel medical insurance plans.
The cost of travel insurance for Japan from the USA starts as low as $20 per month. Prices vary based on the traveler’s age, coverage limits, deductible, and length of stay in Japan.
Average one-month travel health insurance costs for US citizens traveling to Japan are shown below.
What Is the Best Travel Insurance for Japan with Pre-Existing Conditions?
Atlas JapanSecure Insurance Comprehensive
starRating: A Excellentedit_squareUnderwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company
JapanSecure (by WorldTrips) is one of the best travel medical insurance plans for U.S. and non-U.S. citizens visiting Japan, offering excellent coverage for acute onset of pre-existing conditions for travelers up to age 79.
Acute Onset of a Pre-Existing Condition covered up to policy maximum for travelers up to age 79.
Emergency medical evacuation covered up to $25,000 for any condition covered under Acute Onset of a Pre-Existing Condition.
Policy maximum options from $50,000 to $2,000,000.
Trip Cancellation Insurance: If you want coverage to protect your non-refundable trip expenses — such as flight tickets, hotel bookings, and other reservations — in case your trip is cancelled, delayed, or interrupted, consider buying these trip cancellation insurance plans.
Average Trip Cancellation Insurance Cost by Age
The cost of Japan travel insurance from the USA starts as low as $24 for a 15-day trip with a $1,000 trip cost. Prices vary based on age, coverage type, and trip duration.
The cost of trip cancellation insurance for Japan depends on:
Traveler’s age
Type of coverage selected
Length of stay in Japan
Number of travelers insured
Average Trip Cancellation Insurance Cost for U.S. Citizens Traveling to Japan
This table gives the average trip cancellation insurance cost for different ages. Approximate cost of Trip insurance plans is for a 15 days trip length and $1,000 trip cost.
Healthcare in Japan is modern and high quality, but tourists are not covered under the national health insurance system, so all medical expenses must be paid out of pocket.
💊 Typical Treatment Costs
Service
Estimated Cost (USD)
Doctor visit
$50 – $150
Emergency room
$300 – $1,000+
Hospital stay (per day)
$500 – $1,500+
Surgery (major)
$15,000 – $40,000+
🚑 Emergency & Hospitalization Costs
Serious medical emergencies can quickly become expensive. Hospitalization, surgery, or intensive care may cost thousands of dollars. Medical evacuation to your home country can exceed $50,000.
Since tourists must pay full medical expenses in Japan, having proper travel health insurance coverage ensures you receive quality medical care without facing large or unexpected bills.
Who Should Buy Japan Travel Insurance?
Japan tourist health insurance is recommended for anyone visiting Japan temporarily without local health coverage, including:
US citizens visiting Japan
Tourists and vacation travelers
Families visiting relatives
Senior travelers
Students and exchange visitors
Business travelers
Foreigners traveling short-term
Anyone not enrolled in Japan’s national health insurance system
If you are traveling internationally, having Japan travel medical insurance ensures you are protected against unexpected medical emergencies and high healthcare costs during your stay.
What Should You Look For in the Best Japan Tourist Health Insurance?
When choosing the best travel insurance for Japan, it’s important to compare coverage levels, benefits, and costs to make sure you’re fully protected during your trip. Medical care in Japan can be expensive for foreign visitors, so selecting the right policy can save you thousands of dollars in unexpected medical bills.
$100,000 in Emergency medical evacuation and repatriation benefits
COVID-19 illness coverage
Low deductible options
24/7 travel assistance support
Comparing multiple Japan travel insurance plans helps you find the right balance between price and protection for a safe, worry-free trip.
What’s Not Covered by Japan Vacation Insurance?
Although you may expect to be covered by your travel health policy for an unexpected medical expense, certain types of medical services are typically excluded under most standard plans:
Pre-planned care - The medical policy does not provide coverage for any treatments or procedures that you scheduled before your departure.
Routine checkups - Regular medical exams or preventive screenings are not covered.
Cosmetic treatment - The policy excludes coverage for all elective procedures which include cosmetic surgery and aesthetic treatments.
Being aware of these exclusions helps you choose the right Japan vacation insurance plan and avoid surprises during your trip. To provide yourself with adequate coverage for a sudden illness or an emergency while in Japan, its recommended to purchase travel insurance for foreigners in japan through American Visitor Insurance.
Will My Travel Insurance Work in Japan Hospitals?
Many travelers worry about using travel insurance abroad:
Will Japanese hospitals accept my plan?
Do I need to pay upfront?
Is cashless payment available?
With American Visitor Insurance, most Japan travel medical insurance plans allow you to visit any licensed hospital or doctor. While some hospitals may require upfront payment, your insurer provides:
Easy claims processing
24/7 assistance and helpline
Information on direct billing
This ensures you can get care quickly and focus on your health not paperwork or high medical bills while traveling in Japan.
How Claims Work for Best Travel Health Insurance for Japan?
Using your Japan travel health insurance is simple and designed to reduce stress:
Visit a licensed hospital or doctor - You can choose any facility while traveling.
Call your insurer’s 24/7 helpline - Get guidance on treatment, billing, and paperwork.
Direct billing at some hospitals - In certain cases, hospitals can bill the insurer directly so you don’t have to pay upfront.
Pay and get reimbursed - When direct billing is not available, you can pay for your expenses and then submit a claim for reimbursement.
This process helps you to obtain medical care quickly and confidently, without worrying about unexpected costs.
Which Is the Best Japan Travel Insurance for US Seniors With Medicare?
US senior citizens with Medicare need international travel insurance as Medicare offers limited or no coverage outside USA.
Travelling overseas involves risks especially for older travelers and costs of medical evacuation and health care outside the United States is expensive.
Buying Medicare Supplemental International Travel Insurance coverage for older US travelers is strongly recommended.
🌏 GlobeHopper Travel Insurance for Older US Travelers Visiting Japan
US citizens should realise that Medicare and its supplements provide very little coverage outside US borders.
There is a travel health insurance plan specifically designed for older American travelers.
Indianapolis based International Medical Group (IMG) offers GlobeHopper Senior an affordable overseas travel medical insurance option for US citizens and US permanent residents 65 years and older.
The GlobeHopper Senior plan is available either as
I’m a U.S. citizen traveling abroad. Can I renew my GlobeHopper Senior travel insurance plan if it has already expired?
Unfortunately, plans cannot be renewed after their expiration date. To stay protected, travelers should renew or extend coverage before the plan expires. If your policy has already lapsed, you’ll need to purchase a new plan for your next trip.
Travel Guide for Japan: General Information, Destinations & Airports
What Are the Popular Tourist Destinations in Japan?
Hiroshima Peace Memorial
Peace Memorial Museum with its numerous exhibits dealing with the issue of world peace, Memorial Cenotaph and Flame of Peace, as well as the Atom Bomb Dome.
Itsukushima Shrine
Itsukushima Shrine, a Shinto temple dedicated to the Princess daughters of the wind god Susanoo.
Fukuoka's Castle
Fukuoka Castle (Fukuoka-jo) is one of the highlights of a visit to Fukuoka and also well known for its many events and festivals.
Japan is an amazing destination rich in culture, history, and natural beauty. Here are some travel and safety tips to help you have a smooth and enjoyable trip:
Visas: Check visa requirements well in advance of your trip. Most visitors from the United States will need a visa, but some may be eligible for visa-free entry for short stays of up to 90 days. You can apply for a visa at a Japanese consulate or embassy in the US.
Currency exchange: The currency in Japan is the Japanese Yen (JPY). You can exchange currency before you travel or use ATMs once you arrive. Be aware that some ATMs might have withdrawal limits or foreign transaction fees.
Language: While English is becoming more common in tourist areas, knowing some basic Japanese phrases can go a long way.
Transportation: Japan has an excellent public transportation system, including trains, buses, and subways. Consider purchasing a JR Pass if you plan on doing a lot of traveling around the country. The JR Pass is a cost-effective way to travel on Japan's national railways.
Food safety: Food safety standards in Japan are very high.
Natural disasters: Japan is prone to earthquakes, typhoons, and tsunamis. It's a good idea to familiarize yourself with emergency procedures before you travel.
Health Insurance Japan for Foreigners
When choosing health insurance in Japan as a foreigner, you have two main options: enrolling in the public healthcare system or purchasing private health insurance. The public healthcare system includes National Health Insurance (NHI) and Social Health Insurance (SHI), which cover 70% of medical costs, with the remaining 30% covered by employer-sponsored health insurance or private insurance. Private health insurance in Japan for foreigners offers comprehensive and customizable benefits, including dental care, vision care, mental health care, prescription drugs, medical evacuation, and repatriation coverage.
It also provides worldwide coverage, 24-hour emergency assistance, and renewable policies. Private health insurance is particularly beneficial for those who travel often, as it guarantees coverage worldwide. The cost of visitors medical insurance in Japan varies depending on the level of coverage, plan chosen, and age. You can compare and buy best travel medical insurance for Japan trip on American Visitor Insurance online.
Why Buy Travel Insurance for Japan From American Visitor Insurance?
Customized for your trip: Choose from a range of travel insurance plans designed for different trip durations and coverage levels — from short vacations to extended stays in Japan.
Ideal for all travelers: Whether you’re traveling for leisure, business, education, or a long-term stay in Japan, you can find a plan customized to your trip type and duration.
Affordable & transparent pricing: No hidden fees. You see the best price directly from the insurer, guaranteed.
Easy online purchase: Buy Japan travel insurance for U.S. citizens in minutes with an instant policy documents emailed to you.
Expert support: Our licensed customer support team at American Visitor Insurance is available 24/7 to answer any questions during the purchase process. They can assist while completing online applications, extend coverage when it is needed, cancelling a plan if travel plans change, and to file insurance claims necessary.
Trip cancellation coverage and best CFAR plans: Travel insurance for U.S. travelers visiting Japan including coverage for trip cancellation, medical emergencies, and Cancel For Any Reason (CFAR) benefits.
Trip Insurance vs Travel Health Coverage vs Global Medical Insurance
Confused whether to buy trip, travel or global health insurance? Understand the differences!
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1. Does travel insurance cover me if I cancel my flight?
With our travel medical insurance plans, if you cancel your flight and therefore your trip, you can simply get a refund on your policy since it has not started yet. If you purchased a trip protection policy, then you may get any non-reimbursed expenses back as long as your cancellation was for a covered reason OR you could get a percentage back (usually 50%) if you purchased a policy with a “cancel for any reason” clause. Check the brochure for the list of covered reasons for cancellation.
2. Is US travel health insurance accepted in Japan?
U.S. health insurance is generally not accepted in Japan. Japan has a national health insurance system that is only available to foreigners with long-term visas. If you are a visitor to Japan, it is highly recommended to purchase travel insurance that includes medical coverage for the duration of your stay.
3. What are the factors to consider when choosing an expat health insurance in Japan?
Eligibility: Eligibility for expat health insurance in Japan depends on residency status, visa type, and employment.
Types of Health Insurance: There are two main types of health insurance in Japan: National Health Insurance (NHI) and Social Health Insurance (SHI). NHI is for those not covered by employment-based insurance, while SHI is for full-time salaried workers.
Coverage: Ensure the insurance covers pre-natal and post-natal care, childbirth expenses, vaccinations, mental healthcare, dental care, and medical expenses incurred outside Japan.
Recognition and Acceptance: Make sure your expat health insurance is recognized and accepted by clinics and hospitals in Japan.
Cost: Consider the cost of the insurance and how it fits into your overall healthcare budget.
Benefits: Japan's health insurance offers benefits such as access to quality healthcare facilities, preventive care services, and wellness programs.
4. Is healthcare in Japan expensive for tourists?
Yes. Japan has excellent hospitals, but care can be costly without insurance. Approximate costs without visitor insurance for Japan:
Doctor visit: $80 - $150
ER visit: $300 - $800+
Hospital stay: $1,000+ per day
Surgery: several thousand dollars
Best Travel medical insurance for Japan helps protect you from unexpected hospital bills, medical emergencies, and costly out-of-pocket expenses during your trip.
5. Can I Buy Travel Health Insurance After Arriving in Japan?
Yes. Many travel medical insurance plans can still be purchased after you arrive in Japan.
However, coverage only applies to new illnesses or injuries that occur after your policy becomes effective. Any medical expenses that happened before purchasing the policy will not be covered.
Some flexible plans, such as Atlas International insurance, allow travelers to enroll even after departure and receive policy documents instantly by email.
For complete protection and to avoid waiting periods or coverage gaps, it’s always best to buy your Japan travel health insurance before leaving home. With American Visitor Insurance, you can compare plans and purchase coverage online in minutes.
6. Can foreigners buy health insurance in Japan?
Short-term visitors and tourists generally cannot enroll in Japan’s public national health insurance system, which is mainly for residents. For temporary stays, purchasing private health insurance in japan for foreigners before departure is the best way to cover medical expenses, hospital visits, and emergencies.
7. What Documents Are Required When Traveling to Japan?
To enter Japan, most international travelers will need:
A valid passport (valid for the entire stay)
A return or onward ticket as proof of departure
A visa, if required based on your nationality
U.S. citizens traveling to Japan for tourism for up to 90 days typically do not need a visa.
Before departure, travelers should also consider purchasing Japan travel health insurance to protect against unexpected medical expenses during their trip.
8. Can I get Japan travel insurance without paying anything out-of-pocket?
Yes. Some travel medical insurance for Japan plans offer $0 deductible options, which means you don’t have to pay anything upfront for covered medical expenses. For example, the Atlas Japan Secure plan available through American Visitor Insurance provides zero-deductible coverage, so the plan starts paying from the first dollar for eligible doctor visits, hospital stays, and emergencies. This helps reduce unexpected out-of-pocket costs during your trip.
Travel Insurance From Japan to USA
Travel Health Insurance Japan for Visitors
US travel medical insurance for Japanese
Irashiaimase! Welcome to American Visitor Insurance! You've come to the right place for health insurance for your trip to the United States or wherever you may want to go! We sell travel health insurance which will cover you in the event of a sudden illness or accident. Don't risk a high bill while away from home! Get the right coverage by comparing all major plans here.
Travel health insurance from Japan to USA
Travel insurance cover is essential for travelers coming to the USA. Japanese travelers visiting the USA even for a short sojourn should be aware that health care in the US is expensive. The US travel insurance plans that we offer work best in the US healthcare network of hospitals when compared to any other international travel insurance options. Another advantage with US travel insurance plans is that there are options available for older travelers with pre-existing medical ailments. Proper travel insurance will be useful to pay medical bills for any unexpected medical emergency.
Medical Insurance for U.S. Citizens Living in Japan Visiting the US
U.S. citizens and expats living in Japan frequently travel back to the United States to visit family, for business, or for other personal reasons. At American Visitor Insurance we have the best travel insurance for U.S. expats visiting USA.
Short term travel health insurance in USA for us citizens visiting the country that are designed by IMG a reputed US insurance provider are
There are currently close to 20k Japanese students in the United States. This is less than half the number of Japanese students in the late Nineties. Most students from Japan study in Undergraduate programs, with only about 15% being graduate students. Japanese students should buy good student health insurance in the US given the high cost of healthcare here.
Japanese students looking for an affordable alternative to university plans can compare our international student medical insurance from Japan to USA, which offers strong medical coverage and typically costs less than most college-sponsored insurance.
Popular Japanese Tourist Destinations in America
The United States and Canada are popular however the long distances involved does reduce the number of tourists. Within the United States, Hawaii and Guam are very popular with fewer Japanese visiting mainland USA. There are more Japanese tourists in Hawaii and Guam when compared to any other nationalities (including tourists from mainland USA).
What Are the Types of Travel Insurance?
flight
Single Trip Travel Insurance
Compare and buy best US Single trip insurance for travel within the US and overseas.
What Factors Affect the Cost of Best Travel Medical Insurance USA?
1Age of the Traveler The cost of medical insurance for travelers is directly proportional to the age of the traveler. The older the traveler, the greater will be the cost of the visitor’s health insurance.
2Type of US Travel Health Insurance Comprehensive insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.
3Medical Maximum Coverage The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
4Region of Coverage Travel insurance depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.
5Duration of Travel Insurance The cost of trip insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.
6Any Add-on Benefits Additional add-on benefits to the basic insurance for tourist plan like adventure sports coverage, coverage for pre-existing conditions, etc., will add to the overall cost.
How Can I Buy US Visitor Travel Insurance Online?
question_mark Finding the best health insurance for foreigners
The travel insurance quote request form by providing details of the traveler and insurance requirements.
balance Compare the different travel insurance options
Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.
shopping_cart Buy the US travel health insurance that you like best
Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.
description Review insurance plan documents received by email
Review the international travel health insurance policy for coverage details and relevant contact numbers
Travel health insurance for foreigners in Japan - FAQ's
1. Why is travel insurance for USA so expensive?
There is no denying that travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs. One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.
2. How to buy travel insurance? How to find the best international travel health insurance?
There are many international travel health insurance plans for coverage both in the USA as well as around the world offered by US insurance providers. Given the several travel insurance international options, it can be confusing to find the best health insurance for international travel for your needs. What is very useful in making this decision is to compare travel insurance USA of different companies.
The travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner. The traveler can change relevant factors like the medical maximum coverage required, the international traveler insurance deductible, any international travel health insurance plans with coverage for pre-existing ailments, travel insurance international coverage for Covid19 ...
The global travel insurance comparison also allows travelers to buy the best travel insurance based on ones needs by completing an online application and paying using a credt card. One completing the purchase the travel insurance plan is emailed to the customer.
What Are the Different USA Visa Health Insurance?
flight
B1 visa insurance
USA B1 visa health Insurance for temporary business visitor.
Do Japan Residents Need Schengen Travel Insurance for Europe?
Japanese passport holders do not need a Schengen visa for short stays of up to 90 days within a 180-day period in the Schengen area. However, travel medical insurance is strongly recommended, as healthcare and emergency treatment costs in Europe can be expensive.
If you require a Schengen visa, your travel insurance policy must meet the following requirements:
Having proper Europe travel insurance from Japan provides peace of mind and financial protection against unexpected medical expenses while traveling to Europe.
Popular Japanese Tourist Destinations in Europe
The entire European Union is popular with Japanese tourists. Business links between Japan and Europe goes back many centuries. Within Europe, France, Italy, Spain, Switzerland and Germany are very popular with Japanese travelers, with the cities of Paris, Rome, London, Berlin, Geneva, Madrid and Barcelona being particularly popular.
Popular Japanese Tourist Destinations in Asia
China is one of the most popular international destinations for travelers. A lot of travel to China is related to business. It is popular due to its historic and cultural ties going back many centuries. It is also popular with tourists who love Korean Music TV and pop culture.
You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Venbrook International, Global Underwriters, GeoBlue, HTH Worldwide, Trawick International, Travel Insurance Services, INF insurance, Travelex and BlueCross BlueShield Global Solutions.
General Information Japan
