Travel Insurance to Japan

Explore Japan worry-free with a complete travel and medical coverage.

Travel Insurance Japan, Travel Insurance to Japan

Trusted by 100,000+ Travelers

Europ Assistance

Evacuation & Repatriation

Travel Insurance Japan, Travel Insurance to Japan

Ultimate Worry-Free
Travel Insurance for Japan

High Coverage for Medical Expenses, Emergency Evacuation and Repatriation.

Travel Insurance Japan, Travel Insurance to Japan

24/7 Support
from International Experts

LUMA’s in-house medical team at your service during your trip to Japan.

trip cancellation

Cancel anytime

Cancel your travel insurance anytime before its start date and receive a full refund.

Travel Insurance Benefits

Medical Benefits

Travel Insurance Japan, Travel Insurance to Japan

Medical Expenses

Our medical expense coverage encompasses eligible inpatient and outpatient treatments for covered disabilities in designated countries within our coverage area. This includes hospitalization, surgery, ambulance services, diagnostic tests, consultations with registered doctors, prescribed medications, and hospital room and board. Additionally, post-hospitalization expenses within a specified timeframe upon return to the Country of Origin/Country of Residence are covered. All expenses must be customary, reasonable, and supported by detailed breakdowns, original receipts, and medical reports from a physician.

Travel Insurance Japan, Travel Insurance to Japan

Emergency Evacuation

In the event of a Serious Injury or Illness where immediate treatment is necessary and suitable medical facilities are unavailable nearby, our coverage includes emergency evacuation organized by our designated assistance company. This evacuation will be conducted through medically necessary means to the nearest facility using the most cost-effective form of transportation capable of providing adequate medical care.
Travel Insurance Japan, Travel Insurance to Japan


Repatriation is facilitated following the Emergency Evacuation as described in the preceding paragraph. If deemed medically necessary, the Company will arrange and cover the expenses for the insured person’s return to a medical facility in their Country of Origin. This repatriation can be accomplished via scheduled airline flight or any other suitable means of transportation if the original ticket is not valid for this purpose. It’s imperative that any unused portion of the ticket be surrendered to the Company. The decision regarding repatriation will be made jointly and exclusively by the attending physician and the Company.

Travel Benefits

Travel Insurance Japan, Travel Insurance to Japan

Trip Cancellation

Don’t let unexpected hurdles derail your travel plans. With our Trip Cancellation coverage, you’re protected against the loss of non-refundable deposits or increased travel expenses due to unforeseen circumstances. Whether it’s illness, emergencies, or natural disasters, you can cancel your trip or return home early and receive reimbursement for unused expenses. Travel worry-free knowing that we’ve got you covered every step of the way.
Travel Insurance Japan, Travel Insurance to Japan

Trip Interruption

Life can throw unexpected curveballs, but our Trip Interruption coverage ensures you’re never left stranded. If your trip is cut short due to reasons like illness, emergencies, or natural disasters, you can rest easy knowing you’ll be reimbursed for the unused portion of your travel expenses. Whether it’s returning home early or finding alternative accommodations, our coverage provides peace of mind so you can focus on enjoying your travels without worries.
Travel Insurance Japan, Travel Insurance to Japan

Flight Delay

If your flight experiences delays due to factors such as adverse weather conditions, strikes, or technical issues outside your home country and beyond your control, this insurance provides coverage. You’re eligible for compensation for every full 6-hour delay, up to the limit specified in the policy. To qualify, the delay must exceed 6 hours, and it should not be due to your failure to reconfirm or check in on time. Additionally, your booking must be confirmed before any known issues arise. Ensure you have official documentation from the airline detailing the cause, date, time, and duration of the delay. Please note that this coverage excludes issues existing at the policy’s commencement or any problems caused by government authorities.
Travel Insurance Japan, Travel Insurance to Japan

Baggage Delay

If your baggage goes temporarily missing upon arrival in eligible countries for at least 6 hours, this travel insurance steps in to cover emergency purchases of essential toiletries and clothing. Reimbursement is available up to a specified limit outlined in the Insurance Certificate. To make a claim, you’ll need to provide certification of the delay via an official “Baggage Irregularity Report” or a letter from the tour operator. Importantly, the delay should not be attributed to customs or government officials, and you must submit documentation, including original purchase receipts. It’s worth noting that claims cannot overlap with the “Baggage and Personal Effects” benefit, and coverage concludes upon your return home or reaching your final destination.
Travel Insurance Japan, Travel Insurance to Japan

Lost Baggage

This section of the Policy covers indemnity for loss, breakage, or damage resulting directly from theft, robbery, burglary, accidents, or mishandling by carriers during the insured person’s journey. To be eligible for coverage, the loss must be reported to the local authorities or carriers within 24 hours of occurrence. The Company’s liability is limited as specified in the policy schedule, and reimbursement can be provided through payment, replacement, or repair, with certain limitations. However, this benefit does not cover various scenarios such as loss or damage due to delay, confiscation, wear and tear, or loss of specific items like cash, electronics, fragile articles, and more. Please refer to the policy for full details and exclusions.

LUMA Teams at Your Service

24/7 Hotline

A multilingual emergency hotline is available every day, around the clock, to assist with your urgent situations.

MediPro Team

Access the Medipro team comprising international doctors for a one-stop service for your medical-related needs during your trip.

Travel Insurance Japan, Travel Insurance to Japan

Dr. Gerard

Emergency Medicine, Aviation & Tropical Diseases

25 Years of Medical Experience

Nurse Kookkik

Nurse Kookkik

Registered Nurse

19 Years of Medical Experience

Travel Insurance Japan, Travel Insurance to Japan

Dr. Kao

Health Care Management

General Practitioner

Travel Insurance Japan, Travel Insurance to Japan

Dr. Patrick

Health Care Management

General Practitioner

Travel Insurance Japan, Travel Insurance to Japan

Dr. Thet

Internal Medicine & Rehabilitation Medicine

9 Years of Medical Experience

LUMA Travel Insurance Japan Reviews

Jeremiah Ell
Jeremiah Ell
Read More
I went to the Luma office in need of travel insurance for a trip in Southeast Asia. I met Clara who walked me thru the travel insurance details and different options available. She was familiar with all aspects of the policy and was able to answer my questions. Reccomended 😇
Suneet Maheshwari
Suneet Maheshwari
Read More
Most happy with prompt response of Luma's insurance team online. Specifically I would like to mention the name of Mr Nattawut Promkerd
Stephen Roberts
Stephen Roberts
Read More
After looking at many other companies, I decided to use Luma. Excellent product options and value for money. The staff explained my product options to me and were always helpful. Answering my questions promptly. The overall service was excellent.

Frequently Asked about Travel Insurance for Japan

While it’s not mandatory to have travel insurance for Japan, having medical insurance for Japan is highly advisable for unexpected medical needs during your trip to Japan.

In addition to medical cover in Japan, a comprehensive travel insurance policy can provide valuable travel benefits, including coverage for trip cancellations. Traveling to Japan can be costly, encompassing expenses such as flight tickets, hotel bookings, and transportation onsite. Having a travel insurance policy that allows you to claim nonrefundable costs in case of trip cancellations is a significant benefit to consider, offering financial protection and peace of mind for your travel investment.

Travel insurance is not required to go to Japan. However, it is highly recommended due to the potential high costs associated with medical treatment in Japan.

The cost of travel insurance to Japan varies based on the length of the trip and the level of coverage you choose.

LUMA Asia Pass covers trips to Japan and offers a range of options. The cost can start at $10 USD per day and go up to $28 USD per day for a week of travel. The actual price will depend on the specific plan, including the level of protection and the travel benefits you opt to include in your coverage. 

Certain nationalities must obtain a visa by applying at a Japanese embassy or consulate in their home country to travel to Japan. However, some citizens are eligible for visa-free travel to Japan for short-term visits. It’s advisable to contact the Japanese Embassy in your country to determine and fulfill the necessary requirements for your travel plans.

Japan Travel Tips

The currency in Japan is the Japanese Yen, abbreviated as JPY. The symbol used for the yen is “¥.”

The best time to visit Japan depends on one’s personal preferences and the experiences sought, as each season offers unique attractions and weather conditions.

The most popular time to visit Japan is during spring (late March to early April) for the cherry blossom season “sakura”, attracting crowds from all over the world. However, prices for accommodation and transportation significantly increase during that hot season.

Some Japanese speak English, especially in urban areas or tourist spots. However, the level of English proficiency usually decreases in rural or remote areas.

Learn basic phrases in Japanese before your trip. You can also use translation apps to aid communication although bear in mind that translation can be inaccurate.

Be prepared for some language barrier challenges. However, don’t let this discourage you. Remember to keep polite and patient.

Tipping is not customary in Japan. Exceptional service is expected, and leaving a tip may be considered unusual or awkward.


Crafted and Serviced by LUMA

Our goal is to be your companion for all things travel and we strive to make insurance easy, accessible and ethical.

Baolong Insurance

Insured by Baolong

With over three decades of expertise across a diverse range of insurance services, Baolong ensures your claims are covered.

Europ Assistance

Assistance by Europ Assistance

Europ Assistance is a leading assistance company with an international network ensuring a reliable support worldwide.

“LUMA Asia Pass” is the commercial name of the travel insurance policy insured by Bao Long Insurance Corporation, distributed globally by Luma International and serviced by Luma Care Co. Ltd.