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Best Travel Insurance for Guam from Japan 2026

Travel Health Insurance Japan to Guam — Plans starting from $1/day ,covering emergency medical treatment and acute onset of pre-existing conditions.

Looking for the Best Travel Insurance for Guam from Japan? Get a free quote & compare top U.S. visitor insurance plans in minutes

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Which Travel Insurance Should I Buy from Japan to Guam?

*Prices vary by age, trip duration, and coverage options.

Travel Insurance for Your Trip from Japan to Guam

Planning a trip from Japan to Guam? Just about 3.5 hours away, this tropical paradise is one of the most popular overseas destinations for Japanese travelers. With its beautiful beaches, crystal-clear waters, shopping centers, world-class diving spots, and family-friendly resorts, Guam offers a convenient and relaxing tropical escape close to home. Many visitors choose Guam for short vacations, honeymoons, babymoons, and family vacations because of its easy access and welcoming atmosphere.

Travel insurance Japan to Guam

Why Is Travel Insurance Important for Guam?

Guam is a U.S. territory, and has healthcare in accordance with U.S. healthcare price and standards; therefore, the costs for healthcare services provided on Guam are usually significantly higher than in Japan. Japanese national health insurance (国民健康保険) typically does not provide direct coverage at hospitals in Guam. If you ever experience an unexpected illness, injury or diving incident, you may have to pay medical expenses out of pocket.

Travel medical insurance for Guam helps protect against the high costs of emergency medical services, hospitalization, medical evacuation, and coverage for pre-existing medical conditions. Having the right coverage allows you to enjoy your trip with confidence and peace of mind.

At American Visitor Insurance, you can easily compare travel insurance plans for Guam, review coverage benefits, and choose a policy that fits your travel needs and budget — all in one place.

Medical Costs in Guam Can Be Very High

Although Guam is a popular and convenient destination for Japanese travelers, medical care follows U.S. healthcare pricing standards.

Here are typical out-of-pocket costs visitors may face:

  • Emergency room visit: $1,000 - $3,000+
  • Hospital stay (per day): $3,000 - $8,000+
  • Ambulance service: $800 - $1,500
  • Medical evacuation to Guam or the U.S. mainland: Costs more than $50,000

Even minor accidents such as snorkeling injuries, dehydration, or food poisoning can result in significant medical bills.

How Much Does Travel Insurance to Guam from Japan Cost in 2026?

Guam travel insurance cost from Japan ranges from $20 to $233 per month. The cost may varies based on the traveler’s age, length of stay, chosen medical coverage limits, and deductible amount. Plans with higher coverage limits or lower deductibles may cost more.

The travel insurance costs shown for Guam are based on $50,000 maximum coverage and a $250 deductible.

Travel Insurance Plans for Guam Age 20 Age 40 Age 60
Atlas Essential International WorldTrips $20 $40 $86
Safe Travels International Cost Saver Trawick International $24 $73 $158
Atlas International WorldTrips $27 $54 $117
Travel Medical Global Basic Seven Corners $29 $56 $121
Safe Travels International Trawick International $36 $107 $233
Travel Medical Global Choice Seven Corners $38 $84 $190
Atlas International Premium WorldTrips $38 $76 $167

Source: American Visitor Insurance®

Top Travel Insurance Recommendations for Japan from India in 2026

Atlas travel medical insurance plans are part of the global Tokio Marine group, providing reliable coverage backed by one of Japan’s largest insurance companies.

Cheapest Guam Visitor Insurance

Atlas Essential International
$20/month for 20-year-old

Max Coverage: $50,000 | Deductible: $250

  • Low-cost travel medical insurance
  • Medical maximum up to $1,000,000
  • Deductible options from $0 to $5,000
  • Pre-existing conditions: Not covered

Other affordable travel medical insurance from Japan to Guam include Atlas International, Safe Travels International Cost Saver.

Best Travel Medical Insurance for Guam

Atlas Premium International
$38/month for 20-year-old

Max Coverage: $50,000 | Deductible: $250

  • Top-tier travel medical insurance
  • Medical maximum up to $2,000,000
  • Deductible options from $0 to $5,000
  • Acute pre-existing conditions covered (under 79)

Other top recommended Guam Travel Insurance from Japan include Travel Medical Global Basic, Safe Travels International .

What Factors Affect the Cost of Travel Health Insurance from Japan to Guam?

1 Traveler’s Age
Senior travelers normally have insurance covers that are costlier to buy considering statistics on higher chances of requiring a need for medical attention.
2 Coverage Amount (Medical Maximum)
Plans with higher medical limits (e.g., $100,000+ versus $50,000) have higher prices as they provide greater protection.
3 Trip Duration
Longer stays generally increase the cost because the insurer’s risk period is extended.
4 Health and Pre-Existing Conditions
Travelers who have existing medical conditions or require protection against sudden medical emergencies will need to pay higher costs or select a plan which provides that specific coverage.
5 Type of Activities Covered
Japan travel health insurance coverage plans including water sports, adventure activities, or specialty coverage (like scuba diving) could be more expensive.
6 Deductible Amount
Lower deductibles usually mean higher premiums because the plan starts paying sooner.
7 Policy Add-Ons and Benefits
Additional benefits such as hazardous or adventure sports activities, device protection and home country coverage can impact the cost.

Does Japanese Health Insurance Cover You in Guam?

Japanese national health insurance usually does not provide direct billing at hospitals in Guam. Travelers are generally required to pay medical expenses upfront and then seek reimbursement after returning to Guam. Reimbursement amounts may not fully match U.S. medical charges, and emergency medical evacuation costs are typically not covered.

Guam travel medical insurance helps bridge this gap by covering eligible medical expenses - reducing financial stress during your trip.

At American Visitor Insurance, you can compare affordable travel insurance for Guam from Japan and purchase coverage online in minutes.

Best Guam Travel Insurance Plans Based on Traveler Type

Traveler Type Recommended Coverage Suggested Plan Type
Short Trips (3–5 Days)
  • Emergency medical coverage (minimum $50,000)
  • Ambulance services
  • Hospitalization coverage
  • Emergency medical evacuation
Affordable travel medical insurance plan such as Atlas Essential International and Safe Travels International Cost Saver
Families & Group Travelers
  • Higher medical maximums (recommended $100,000)
  • Coverage for children
  • Emergency room and urgent care coverage
  • Emergency medical evacuation
Comprehensive visitor health insurance plans such as Atlas International and Travel Medical Global Basic
Adventure & Water Sports Travelers
  • Coverage for snorkeling and approved water sports
  • Dive-related injury coverage (if scuba diving)
  • Accident and injury coverage
  • Emergency medical evacuation
Travel medical insurance plans with adventure sports benefits such as Safe Travels International and Atlas International
Seniors & Travelers with Pre-Existing Conditions
  • Higher medical coverage limits ($100,000+)
  • Acute onset of pre-existing condition coverage
  • Strong emergency evacuation benefits
  • Cardiac and stroke emergency coverage (if available)
Senior-friendly travel insurance plans such as Atlas Premium International and Travel Medical Global Basic

What Travel Medical Insurance Covers in Guam?

  • Emergency medical care: Pays for hospital and treatment costs resulting from sudden sickness or injury.
  • Physician visits: Covers doctor consultations due to unexpected illness or accident.
  • Prescription drugs: Reimbursement for eligible medications prescribed by a physician for a covered condition.
  • Emergency medical evacuation: Covers transport to the nearest appropriate medical facility when medically necessary.
  • Repatriation of remains: Covers return of remains to your home country in the event of death.
  • Acute onset of pre-existing conditions: Some plans offer limited coverage for sudden flare-ups of pre-existing conditions.
  • Emergency dental (accident only): Covers dental treatment for injuries sustained during your trip.
  • 24/7 Assistance Services: Includes help locating hospitals, arranging evacuations, translation, and claims support.

Common Health and Safety Risks for Guam Visitors

Although Guam is generally a safe travel destination, visitors may encounter:

  • Snorkeling or participating in a water sport may result in an injury.
  • Visitors may experience dehydration or heat exhaustion.
  • Typhoon-related disruptions will occur during the months of June through November.
  • Food-related illness

Even minor medical emergencies can be expensive. American Visitor Insurance offers visitor insurance plans for Guam that help cover treatment, hospital visits, and emergency evacuation, giving you peace of mind while staying protected.

How to Buy Travel Medical Insurance for Guam Online?

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Find the Best Travel Insurance for Guam
Complete the travel insurance quote request form by providing details about the traveler and your coverage needs for Guam.
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Compare Different Travel Insurance Options
Review and compare the prices and benefits of the available plans to find the one that best fits your travel style, health, and budget.
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Buy the Travel Health Insurance for Guam Plan Online
Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.
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Review Your Policy Documents Received by Email
After purchase, you’ll receive your Guam travel insurance policy by email. Review it for coverage details, emergency contacts, and plan instructions.

Travel Guide for Guam: General Information & Tourist Destinations

  • Guam flag - Travel insurance for Guam General Information About Guam

    • location_city Capital: Hagåtña
    • location_on Location: Western Pacific
    • payments Currency: United States dollar (USD)
    • language Language: English, Chamorro
    • groups Population: Around 0.17 million
    • event Best time to visit: January to May (Dry season)
    • map Popular destinations: Tumon (Tamuning), Hagåtña, Talofofo Falls, Umatac Bay, Ritidian Point.
  • Popular Tourist Destinations in Guam

    Travel insurance for Talofofo Beach

    Talofofo Beach

    Located near the Talofofo River bridge, this scenic beach is known for its unique rocky shoreline and dramatic coastal views. The contrast of dark volcanic rock, lush greenery, and clear ocean waters makes it a peaceful spot for sightseeing and photography.

    Buy travel insurance for Ritidian Point

    Ritidian Point

    Situated at the northernmost tip of Guam, Ritidian Point offers pristine white-sand beaches and crystal-clear waters. It is part of the Guam National Wildlife Refuge, making it ideal for nature lovers, birdwatching, and quiet beach walks.

    Tourist insurance for Fish Eye Marine Park

    Fish Eye Marine Park

    One of Guam’s most popular marine attractions, Fish Eye Marine Park features an underwater observatory where visitors can view tropical fish and coral reefs up close. It’s a great destination for snorkeling and marine exploration.

Guam Travel Insurance from Japan FAQs

1. Is travel insurance required to visit Guam from Japan?

Travel insurance is not legally required for travelers from Japan to Guam. However, it is highly recommended because healthcare costs in Guam can be expensive, and having coverage ensures you are protected against unexpected medical emergencies.

2. How much medical coverage do I need for Guam?

Many travelers choose Guam travel medical insurance plans with at least $50,000 - $100,000 in medical coverage, depending on age, health status, and planned activities.

3. Does Japan travel insurance to Guam cover diving and water sports?

Some Japan travel insurance to Guam plans provide coverage for snorkeling and selected water activities. At American Visitor Insurance plans such as Safe Travels International and Atlas International that provide water sports coverage. Scuba diving may require a specific plan or rider, so check your policy details before participating.

4. Can I buy travel insurance after arriving in Guam?

Yes, you can buy travel medical insurance after arriving in Guam. However, coverage typically begins only after purchase and may include a short waiting period (usually 24 - 72 hours). Any illness or injury that occurs before the policy start date will not be covered. Buying insurance before your trip is recommended to ensure full coverage from the moment you arrive.

5. Where can I buy best Guam visitor insurance from Japan?

You can buy the best Guam travel medical insurance from Japan online at American Visitor Insurance. Simply compare plans, enter the traveler’s details, and purchase the policy online to receive your coverage documents by email for your trip to Guam.

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Which Are the Best Travel Insurance Companies in USA?

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, Travelex, INF insurance, HTH Worldwide and Venbrook International.

Which are the best visitors insurance companies in USA?

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HTH Worldwide
Travelex Logo
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