Do I Need Travel Insurance for Japan?

japan travel insurance

Japan, the land of rich culture, exquisite cuisine, and warm hospitality, is once again open for travelers following the lifting of COVID-19 travel restrictions. As one of the top five destinations globally, Japan offers a plethora of attractions, including 21 World Heritage sites, traditional Ryokan, hot springs, and a safe and efficient transit system.

Before embarking on your next adventure to Japan, it is essential to consider the importance of travel insurance. Although Japan no longer requires visitors to purchase travel insurance with medical coverage, it is still highly advisable. Your domestic health insurance may not provide full coverage in the event of a medical emergency abroad. Additionally, travel insurance with trip cancellation coverage can be a lifesaver if unforeseen circumstances disrupt your plans.

How Travel Insurance Can Help You in Japan

Medical Emergencies

Imagine trekking one of Mount Fuji’s pilgrimage trails, enjoying the breathtaking views of Buddhist shrines and sacred forests. However, while descending the summit, you trip and break your wrist. In such situations, having travel insurance with emergency medical benefits becomes crucial. Allianz Global Assistance offers a range of budget-friendly insurance options, including coverage for emergency transportation and medical expenses incurred during covered emergencies.

Trip Cancellations & Trip Interruptions

Okinawa, a tropical paradise known for its pristine beaches and vibrant reefs, has a typhoon season between June and November. If you plan to visit during this period, purchasing travel insurance with trip cancellation benefits is advisable. Travel insurance protects you from financial losses resulting from unforeseen events. However, it is important to note that once a typhoon or other weather events are forecasted, they become foreseeable, and insurance purchased after the forecast will not cover losses incurred due to these events. Therefore, purchasing travel insurance immediately after booking your trip ensures coverage within the window of protection. Allianz Global Assistance offers Trip Cancellation and Interruption benefits, which can provide compensation for canceled or delayed trips caused by typhoons or extreme weather events.

Baggage Loss

Arriving in Tokyo for an exciting cosmopolitan adventure, you eagerly wait at the baggage claim, only to realize that your luggage hasn’t made it to Narita International Airport. Dealing with the hassle of reporting the loss and replacing your belongings becomes an unwelcome part of your trip. While airlines are not obligated to reimburse the full value of lost luggage, travel insurance can help bridge the gap. Allianz Travel Insurance can provide reimbursement for the actual price, cash value, repair, or replacement of lost or damaged luggage, based on the limits of your policy.


Travel insurance offers more than just financial protection. Many plans, including those from Allianz Global Assistance, provide assistance services to help you with various travel emergencies. With access to expert coordinators 24/7 through the TravelSmart TM app or hotline, you can receive services like live translation, alternative accommodations and transportation arrangements, coordination for retrieving lost baggage, and more. These additional conveniences can make your trip smoother and more enjoyable.

In conclusion, while travel insurance is no longer mandatory for Japan, it is still highly recommended. It provides essential coverage for medical emergencies, trip cancellations, baggage loss, and offers convenient assistance services. Before you embark on your next journey to Japan, consider protecting yourself and your investments with travel insurance.

What Do I Need to Travel to Japan?

Before traveling to Japan, there are a few things you need to keep in mind. Here is a checklist to ensure a smooth and hassle-free trip:

  1. Valid Passport: Ensure that your passport is valid for at least six months beyond your intended stay in Japan.
  2. Visa Requirements: Check if you need a visa to enter Japan based on your nationality. Visit the official website of the Embassy or Consulate of Japan in your country for detailed information.
  3. Travel Advisory: Stay updated with the latest travel advisories and safety guidelines for Japan. Check government websites or consult with your travel agent for any travel restrictions or warnings.
  4. COVID-19 Protocols: Familiarize yourself with the current COVID-19 protocols in Japan, including entry requirements, quarantine regulations, and health and safety guidelines.
  5. Transportation: Plan your transportation within Japan, whether it’s by train, bus, or domestic flights. Consider purchasing a Japan Rail Pass for convenient travel across the country.
  6. Accommodation: Book your accommodation well in advance, especially during peak travel seasons. Research and compare different options to find the best fit for your needs and budget.
  7. Currency and Payments: Familiarize yourself with the local currency, Japanese Yen (JPY), and ensure you have enough cash or access to ATMs. Most establishments also accept major credit cards.
  8. Travel Insurance: As discussed earlier, consider purchasing travel insurance to protect yourself and your belongings during your trip to Japan.
  9. Local Customs and Etiquette: Learn about Japanese customs and etiquette, such as bowing, removing shoes in certain places, and respecting local traditions. This will help you navigate the local culture with ease and show respect to the locals.
  10. Emergency Contacts: Keep a list of important phone numbers, including your embassy or consulate, local emergency services, and your travel insurance provider.

By following these guidelines and adequately preparing for your trip to Japan, you can have a memorable and worry-free experience exploring this incredible country.

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