What is JapanSecure travel insurance?
JapanSecure travel medical insurance is a specialized plan offered by WorldTrips, designed for both U.S. and non-U.S. citizens traveling to Japan. It provides comprehensive short-term medical coverage for unexpected illnesses, injuries, and emergencies during your stay. Key benefits include emergency medical evacuation up to $1,000,000, coverage for hospitalization and outpatient care, and zero-deductible options. The plan also includes coverage for the acute onset of pre-existing conditions, which is especially important for older travelers. With coverage limits ranging from $50,000 to $2,000,000 and full coinsurance after the deductible, JapanSecure is an ideal choice for international tourists seeking reliable medical protection while visiting Japan.
After buying the plan, Traveler can get all the plan document and plan id card by using JapanSecure login. At American Visitor Insurance, US Travelers can contact the JapanSecure customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
WorldTrips, now in partnership with bolt, now offer optional $2,000 device protection for smartphones, tablets, and laptops while you travel in the U.S.
When you add device protection to your US medical insurance, benefits include:
- Coverage for screen cracks, liquid damage, and other accidental damage
- Access to bolt’s global repair network
- Access to bolt’s 24/7 online claims process
Reviews of Atlas JapanSecure insurance
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JapanSecure rating
AM Rating: A++ (Superior) Standard & Poor’s Rating: AA-
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Period of Coverage
5 days to 364 days
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Underwriter
TMHCC Insurance SPC Ltd and Houston Casualty Company
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Deductible options
$0 Deductible
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Coverage Type
Secondary (Excess)
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Best for- Visitors to Japan
- Short-term travelers
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Maximum limits
- $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000
- Age 65 to 79: $50,000 or $100,000
- Age 80 or older: $10,000
Why choose Atlas JapanSecure insurance ?
Atlas JapanSecure is available for both U.S. and non-U.S. citizens visiting Japan. This plan offers comprehensive short-term health coverage that aligns with Japanese healthcare standards, making it ideal for international tourists, business travelers, digital nomads, and those traveling for visa-related purposes.
- Japan focused plan: Designed specifically to meet Japan’s healthcare standards and entry requirements making it ideal for visa-related travel.
- Comprehensive coverage: Coverage for unexpected medical expenses, which include physician visits, hospital visits, emergency services and prescriptions. All eligible expenses are 100% covered after deductible.
- Acute on set of pre-existing conditions: Covers Acute onset of pre-existing condition up to policy maximum under age 80, Up to $25,000 lifetime maximum for emergency medical evacuation, making it ideal for travelers with known health concerns.
- Emergency Medical Evacuation : Offers coverage up to $1,000,000 for emergency evacuation to the nearest appropriate medical facility in case of a life-threatening condition.
- Coverage limits based on age : Flexible policy maximums ranging from $50,000 to $2,000,000, adjusted according to the traveler’s age and needs.
- Available to U.S. and Non-U.S. citizens :
Whether you are an American traveling to Japan or a tourist from another country, the JapanSecure plan provides reliable, Japan-specific coverage.
Who can buy JapanSecure travel insurance?
- International Travelers Visiting Japan : Non-Japanese citizens visiting Japan for tourism, work, study, or short-term stays.
- Business Professionals :
Those traveling for meetings, conferences, or short-term assignments in Japan needing compliant medical coverage.
- Students & Exchange Visitors :
Perfect for those on academic or cultural exchange programs requiring temporary health insurance in Japan.
- Families & Tourists :
Great for individuals or families exploring Japan and seeking protection against unexpected health expenses.
- Digital Nomads workers :
A smart choice for remote workers staying in Japan for a few weeks or months who need compliant and affordable health insurance.
Who is eligible for Atlas JapanSecure Insurance?
- Eligible for US citizens and Non US citizens traveling to Japan
- For ages 14 days to 99 years
- Coverage from 5 days to 364 days
Access Quality Healthcare Abroad with Air Doctor
JapanSecure policyholders now have the access to quality medical care through Air Doctor. Whether you're traveling for business, leisure, or family visits, Air Doctor ensure you have a quality medical care within covered areas.
- Two Free Doctor Visits per Policy: Policyholders are eligible for two doctor visits at no cost, with no upfront payment or claim filing required. Policies lasting more than six months include a third visit.
- Telehealth Services for U.S. Coverage: For JapanSecure plans that include the U.S. coverage, Air Doctor are limited to telehealth (video) services. In-person visits can be accessed through the UnitedHealthcare PPO network.
Through the Air Doctor app, policyholders can effortlessly connect with certified doctors, specialists, and healthcare providers worldwide.
Atlas JapanSecure Insurance - Add on benefits
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.JapanSecure Insurance also provides optional buy-up coverage for the following:
- Device protection open_in_new
WorldTrips, now in partnership with bolt, now offer optional $2,000 device protection for smartphones, tablets, and laptops while you travel in the U.S.
When you add device protection to your US medical insurance, benefits include:
- Coverage for screen cracks, liquid damage, and other accidental damage
- Access to bolt’s global repair network
- Access to bolt’s 24/7 online claims process
- Crisis Response open_in_new
- Provides coverage for kidnap, ransom, natural disaster evacuation and expenses associated with crisis response.
- The Crisis Response benefit included in your plan pays up to $10,000 for eligible expenses resulting from a covered kidnapping or express kidnapping. Eligible costs may include:
- Ransom
- Crisis response fees and expenses
- Reimbursement for personal belongings surrendered
- This upgrade allows you to purchase an additional $90,000 in Crisis Response coverage with the added benefit of $10,000 for Natural Disaster Evacuation.This upgrade increases the total Crisis Response benefit to $100,000.
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Additional Accidental Death and Dismemberment Benefit open_in_new
- This rider, available to members ages 18 to 69, allows purchase of additional Accidental Death and Dismemberment (AD&D) coverage. Coverage may be increased to equal the medical maximum coverage amount. The AD&D benefit is not subject to the overall policy maximum.
- Accidental Death and Dismemberment coverage provides benefits in the event of your death or loss of limb due to an accident. It does not cover certain activities and conditions (as listed in the policy).
- Atlas Travel’s base plan provides $25,000 in AD&D coverage to members ages 18 to 69. This rider increases the total AD&D benefit to $50,000.
- Personal Liability Rider open_in_new
- The Personal Liability benefit included in your plan pays for eligible expenses if you become legally liable to pay damages resulting from:
- Accidental bodily injury, including death, illness, or disease to a third person (up to $25,000)
- Accidental loss of or damage to a third person’s material property (up to $25,000)
- Accidental loss of or damage to a related third person’s material property (up to $2,500)
- This upgrade increases your Personal Liability coverage from $25,000 to $100,000.
What is the PPO network in JapanSecure WorldTrips Insurance?
WorldTrips provides flexibility for you to access quality healthcare while traveling outside the United States. There is no preferred provider organization (PPO) outside the U.S., so you may visit any licensed provider you choose.
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How much does JapanSecure insurance cost per month?
The cost of Atlas JapanSecure insurance starts from $38 per month, with the final premium depending on several key factors:
- Traveler’s Age: Older travelers may have higher premiums due to increased health risks.
- Coverage Limit: Higher policy maximums increase the cost but offer broader protection.
- Deductible Choice: Lower deductibles usually mean higher premiums and vice versa.
*For senior travelers aged 80 to 99, the cost is $528, with a maximum coverage of $10,000 and a deductible of $250.
What are the benefits of JapanSecure insurance?
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| Hospital room and board help |
| Average semi-private room rate, including nursing services. |
| Intensive care unit help |
| Up to the overall maximum limit. |
| Claims incurred in the US, there will be $200 emergency room co-payment for each use of the emergency room for illness unless you are admitted to the hospital. For claims outside the US, there is no co-payment. No co-payment for treatment of injury in emergency room. |
| Bedside visits |
| Bedside visit up to $1500 not subject to deductible. |
| Urgent Care Center Co-Payment help |
- Claims incurred in the U.S.- Up to $15 co-payment. (co-payment is waived for members with a $0 deductible)
- Claims incurred outside the U.S.- No co-payment.
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| Outpatient Physical Therapy and Chiropractic Care help |
| Up to $50 maximum per day |
| Emergency Dental help |
| Up to $300 - not subject to deductible |
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| Emergency medical evacuation help |
| $1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition. |
| Repatriation of remains help |
| Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit. |
| Terrorism help |
| Up to $50,000 lifetime maximum, eligible medical expenses only |
| Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. |
| Political Evacuation help |
| Up to $100,000 lifetime maximum - not subject to deductible |
| Return of minor children |
| Up to $50,000 (not subject to deductible or coinsurance). |
| Trip Interruption |
| Up to $10,000 (not subject to deductible or coinsurance). |
| Travel Delay |
| Up to $100 a day after a 12-hour delay period, maximum of 2 days. |
| Emergency reunion |
| Up to $100,000, maximum of 15 days (not subject to deductible or coinsurance) |
| Up to $10,000 (not subject to deductible or coinsurance). |
| Emergency Eye Exam for a Covered Loss |
| Up to $150. $50 deductible per occurrence (plan deductible is waived). |
| Personal liability |
Up to $25,000 lifetime maximum
Up to $25,000 third person injury
Up to $25,000 third person property
Up to $2,500 related third person property(not subject to deductible or overall maximum limit). |
| Local Burial or Cremation |
| Up to $5000 lifetime maximum. |
| Pet return |
| Up to $1,000 |
| Optional Crisis Response Rider with Natural Disaster Evacuation |
| Up to $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation - not subject to deductible or overall maximum limit |
| Border entry protection |
| Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border(not subject to deductible). |
| Lost or Stolen Passport/Travel Visa |
| Up to $100 – not subject to deductible |
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| Accidental Death and Dismemberment (Excludes Loss Due to Common Carrier Accident) help |
- Under Age 18: Lifetime maximum: $5,000
- Ages 18 Through 69: Lifetime maximum: $25,000
- Ages 70 Through 74: Lifetime maximum: $12,500
- Age 75 and Older: Lifetime maximum: $6,250
$250,000 maximum benefit any one family or group, not subject to deductible or overall maximum limit |
| Common Carrier Accidental Death help |
- Under Age 18: Lifetime maximum: $10,000
- Ages 18 Through 69: Lifetime maximum: $50,000
- Ages 70 Through 74: Lifetime maximum: $25,000
- Age 75 and Older: Lifetime maximum: $12,500
Subject to a maximum of $250,000 any one family or group, not subject to deductible or overall maximum limit |
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| Acute Onset of Pre-Existing Conditions help |
| Covers up to overall maximum limit, under age 80. |
| Pre-Existing condition medical evacuation |
| Up to $25,000 lifetime maximum for Emergency Medical Evacuation |
General definition of pre-existing condition:
"A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).
Acute onset of pre-existing condition*:
Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.
The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
- The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
- Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
- You must be under eighty (80) years of age;
- You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
- You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
- You must be traveling outside your home country
Note: Please review your policy documents for complete coverage details. The coverage amount shown here are based on the in-network benefits. Optional add-on benefits includes extra cost.
- For under age 70 - Up to the overall maximum limit and age 70 to 79 - Up to the overall maximum limit or $100,000, whichever is lower.
- Covers $25,000 lifetime maximum for emergency medical evacuation.
What optional benefits are included in Atlas medical insurance?
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge. Atlas visitor insurance also provides optional buy-up coverage for the following:
- Provides coverage for kidnap, ransom, natural disaster evacuation and expenses associated with crisis response.
- The Crisis Response benefit included in your plan pays up to $10,000 for eligible expenses resulting from a covered kidnapping or express kidnapping. Eligible costs may include:
- Ransom
- Crisis response fees and expenses
- Reimbursement for personal belongings surrendered
- This upgrade allows you to purchase an additional $90,000 in Crisis Response coverage with the added benefit of $10,000 for Natural Disaster Evacuation.This upgrade increases the total Crisis Response benefit to $100,000.
- This rider, available to members ages 18 to 69, allows purchase of additional Accidental Death and Dismemberment (AD&D) coverage. Coverage may be increased to equal the medical maximum coverage amount. The AD&D benefit is not subject to the overall policy maximum.
- Accidental Death and Dismemberment coverage provides benefits in the event of your death or loss of limb due to an accident. It does not cover certain activities and conditions (as listed in the policy).
- Atlas Travel’s base plan provides $25,000 in AD&D coverage to members ages 18 to 69. This rider increases the total AD&D benefit to $50,000.
- The Personal Liability benefit included in your plan pays for eligible expenses if you become legally liable to pay damages resulting from:
- Accidental bodily injury, including death, illness, or disease to a third person (up to $25,000)
- Accidental loss of or damage to a third person’s material property (up to $25,000)
- Accidental loss of or damage to a related third person’s material property (up to $2,500)
- This upgrade increases your Personal Liability coverage from $25,000 to $100,000.
How can I buy JapanSecure travel Insurance?
- Complete your online application. If applying as a family, you may include yourself, your spouse, and your dependents on one application.
- Receive a fulfillment kit that includes an identification card, declaration of insurance, and a Certificate of Insurance outlining the details of the plan. Welcome to the WorldTrips family!
NEED HELP?
Contact our customer service team, we are here to help you!
How do I file a claim with JapanSecure Insurance?
JapanSecure travel insurance claim process
To file a claim with JapanSecure health Insurance, follow these steps:
- Download the Claims Form: Access the JapanSecure insurance claims form online.
- JapanSecure travel insurance customer service: Call the toll-free number 1-800-605-2282 for guidance or assistance.
- Complete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents, to the Claims Department:
- Mailing Address: WorldTrips PO Box 240358 Apple Valley, MN 55124
- Email Assistance: For additional help or inquiries, email service@worldtrips.com.
Know more about WorldTrips Claims »
JapanSecure travel health insurance - FAQ's
The plan is available to both U.S. and non-U.S. citizens traveling to Japan on a temporary basis. It is ideal for tourists, business travelers, and individuals applying for short-term visas such as the Japan digital nomad or tourist visa. Permanent residents of Japan are not eligible.
Yes. JapanSecure is designed to meet Japan’s healthcare standards and entry requirements, making it suitable for travelers who need insurance proof for visa applications or customs checks.
Coverage limits range from $50,000 to $2,000,000, depending on the traveler’s age and the plan selected. You can also choose a $0 deductible option for maximum protection.
JapanSecure provides coverage for the acute onset of pre-existing conditions, which means sudden and unexpected flare-ups of known conditions are covered, subject to policy terms and age limits.
Yes, JapanSecure includes COVID-19 treatment coverage as any other eligible illness, provided it is not a pre-existing condition at the time of purchase.
You can purchase the plan for as few as 5 days, up to a maximum of 364 days. Extensions may be available if your stay in Japan is extended.
No, you must purchase the plan before your trip begins. Coverage starts once you depart your home country and enter Japan.
Yes, it offers coverage up to $1,000,000 for emergency medical evacuation, if deemed necessary by a physician and approved by the insurer.
You can easily purchase the JapanSecure plan online through American Visitor Insurance is a trusted travel insurance marketplace that allows you to compare plans, view benefits, get instant quotes, and complete your purchase securely.
Compare Atlas Travel World trips Insurance!
What are the exclusions of Japansecure insurance?
Certain types of medical expenses are excluded from coverage under JapanSecure travel insurance. Some exclusions are listed here. Please refer to the Description of Coverage for the complete list of exclusions.
- Illnesses Within First 2 Days of Coverage :
Illnesses that begin (symptoms or treatment) within the first two days after the policy becomes active are not covered if the policy was purchased on the same day.
- Pre-Existing Conditions :
Any medical issues that existed before the policy start date are excluded, except in cases of an acute onset of a pre-existing condition, as defined in the policy.
- Congenital Disorders & Birth Defects :
Conditions present at birth, including hereditary or congenital disorders, are not covered
- Mental Health Conditions :
Expenses related to psychiatric, psychological, or emotional disorders are excluded.
- Pregnancy & Maternity Care : Pregnancy-related expenses are not covered, except for:
- Covered complications of pregnancy
- Termination in specific covered cases
- Diagnostic testing due to a covered illness/injury
- Routine prenatal care, childbirth, postnatal care, and treatment for newborns under 14 days old are not included
Does japanSecure insurance covers Pre-existing coverage?
Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.
The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
- The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
- Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
- You must be under eighty (80) years of age;
- You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
- You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
- You must be traveling outside your home country
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Frequently asked questions
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