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Travel insurance for Japan

Japan is a country of contrast, with ultra-modern cities like Tokyo and Osaka standing side by side with ancient temples and areas of pristine natural beauty. There's little doubt as to why Japan is such a popular tourist destination, welcoming more than 30 million holidaymakers each year.

If you're ready to take a walk through the cherry blossoms, we'll take you through what you need to know about travelling safely in Japan.

We'll also provide everything you should know about getting travel insurance for your Japanese adventure.

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Do I need travel insurance for Japan?

Travel insurance isn't a legal requirement for entry to Japan, but healthcare can be very expensive there.

If you need medical treatment while away you could be left with a hefty bill, so travel insurance is worth considering.

Healthcare isn't the only benefit of getting travel insurance either. The right policy can also cover you for other mishaps that could derail your holiday plans.

What’s healthcare like for Brits in Japan?

Healthcare isn't free in Japan, and you won't be able to use your GHIC (Global Health Insurance Card) there.

The quality of healthcare in Japan is very high, which is why it can be expensive. You'll also need to pay for any medicines you need, so getting travel insurance can be a good way to save on unwanted expenses.

Some common medicines are also banned in Japan.

Even with a valid prescription, you might not be able to bring these medicines into the country.

According to the UK Government, medicines currently banned in Japan include:

  • Vicks inhalers.
  • Medicines for allergies and sinus problems.
  • Cold and flu medication containing pseudoephedrine
  • Some over-the-counter painkillers containing codeine

What could travel insurance cover me for in Japan?

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It normally covers:

Medical treatment costs

If you need medical care while in Japan, your insurance can cover the costs of treatment.

Cancellation cover

If your flights or other connecting travel gets cancelled, you may be able to claim compensation.

Theft, damage or loss

Most insurance providers will cover you for lost or stolen baggage. You might need to buy gadget cover for more expensive electronic items though.

Emergency repatriation

This can cover the cost of travelling home in an emergency. The long flight time to Japan can mean that flights are incredibly costly if you're not covered.

Travel disruption

This could be because of strikes or adverse weather that causes disruption to your travel plans.

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It doesn't normally cover:

Travelling against FCDO advice

The Foreign, Commonwealth and Development Office (FCDO) give travel advice on different countries. If you travel against FCDO advice, you won't be covered while you're away.

Incidents involving drugs or alcohol

If you're injured or something happens involving drugs or alcohol, your insurer won't cover you.

Known events

If there's a typhoon already happening in Japan and you still decide to travel, you won't be covered for any claims relating to that 'known event'.

Extreme sports or activities

Standard policies won't typically cover high risk activies. You'll need adventure travel insurance to cover you here.

Changing your mind

Changing your mind isn't normally covered by insurance providers.

What our travel insurance expert says

"Whether you’re an intrepid traveller, or like to live a little more on the safe side, there’s a travel insurance policy for you. From covering your baggage if it’s lost in transit, to covering you yourself for a range of adrenaline inducing activities, travel insurance can give you the peace of mind you need to enjoy the trip of lifetime. However you choose to spend it."
Alvaro Iturmendi - Confused.com travel insurance expert
Travel insurance expert Confused.com logo

What type of travel insurance should I get for Japan?

This depends on how often you travel, and how long you'll be staying. Here're some options to consider:

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Single trip travel insurance

Suited to shorter, one-off holidays, these policies cover you for the exact duration of one trip. Ideal for quick breaks.

Multi-travel icon

Multi trip travel insurance

Suited to frequent fliers. Covers several trips within 12 months, saving you the trouble of arranging insurance every time.

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Long stay travel insurance

Suited to those on longer trips of several months. Often taken out for for gap years, studying abroad, or long holidays.

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Backpacker travel insurance

Suited to those traveling through several countries over an extended period. Some policies cover you to return home too.

Will my insurance cover me for earthquakes or tsunamis?

This depends on the level of coverage your policy gives you.

Japan is a hotspot for natural disasters, experiencing around 1,500 earthquakes a year.  

Depending on your policy, your travel insurance could help you recover from any financial losses and cover the cost of the treatment you need if you’re hurt.

You should ensure that your policy covers you for natural disasters though, as not all insurers do. Some may only offer partial coverage, or might charge extra to cover them.

How much is travel insurance for Japan?

Japan travel insurance costs:

Solo traveller1

£10.54

Couple2

£14.67

Family3

£38.44

Travel insurance for Japan could set you back as little as £10.54, though there are many factors that affect what you pay.

Health conditions you have, the length of time you're travelling for and extras you add on to your policy like gadget cover or ski insurance can all affect the price.

To find out exactly what you could pay, get a quote now. We'll show you our best prices we can find for you from some of the UK's top travel insurers in just a few short clicks.

1Lowest price for a single traveller, 30 years old, with no health conditions visiting Japan for 7 nights. Prices correct as of October 2024.
2Lowest price for a couple, both 30 years old, with no health conditions visiting Japan for 7 nights.
3Lowest price for a family of 2 adults, both aged 30, and 2 children, both aged 5, with no medical conditions visiting Japan for 7 nights.

I'm hiking Mt Fuji. Will my travel insurance cover me?

Mt Fuji is the highest mountain in Japan at 3776m high. For context, Ben Nevis, the UK’s tallest peak, is 1,345m.

Due to its height, some travel insurance policies may not cover you to climb it. This is mainly due to the cost of rescuing you if something happens near the peak.

While most insurers cover hiking, they sometimes put height restrictions on the size of the peaks you can climb. So always check your policy to see exactly what you're covered for.

If it turns out your insurer won’t cover you to hike Fuji, contact them and ask about adventure travel insurance. This policy add-on will cover you for riskier activities, and doesn’t usually cost too much to tack on to a policy.

What other adventure activities could I get cover for?

Japan is a hotspot for adventure tourism, with intrepid travellers able to get their fill of fun from everything from climbing Mt. Fuji to kayaking through the mangroves in Yambaru National Park.

While many policies won't cover you for risky activities like these, an adventure travel insurance add-on might.

Your policy could cover things like:

Cycling

The stunning natural scenery of Japan means that there are plenty of beautiful cycling routes. National roads can be very busy though, so it's worth checking what the best routes are if you decide to go on a cycling trip.

Rock climbing

July through to early October is generally the best time to go rock climbing in Japan. Because of the high altitude, avoiding the rainy season is a good idea so you can make the most out of your trip.

Water sports

From surfing in shikoku to scuba diving along Hokaido's icy coatline, there's plenty for water sports enthusiasts to get stuck into in Japan. Just make sure your policy covers you before taking the plunge.

Will my policy cover me for skiing in Japan?

A normal travel insurance policy won't cover you for skiing, as it's typically classed as a high-risk activity. You'll need something called winter sports cover to fully insure you.

Otherwise known as ski insurance, this policy add-on can cover your medical costs if you're injured on the slopes. You'll normally get winter-sports-specific features too, like cover for mountain rescue costs if you're stranded.

You may also get cover for things like piste closures that prevent you from skiing.

When’s the best time to visit Japan?

The most popular times to visit Japan are between the months of March and May, or September through to November. The weather tends to be good during these times. In the peak summer months, it can be very hot and humid. Tokyo can also be rainy in the summer.

April to May is also when the Cherry Blossom Festival, known as the Sakura Blossom festival, takes place. This celebrates the blossoming of the Sakura trees throughout Japan. The exact dates change each year, as the trees blossom at different times year-to-year.

There are some periods that tourists may wish to avoid, though:

Obon festival

This is an annual Buddhist event. It commemorates one's ancestors, whose spirits are believed to return to this world in order to visit their relatives during Obon. It’s observed mainly from August 13 to 16, though disruption can begin earlier and last longer. As with Japan's other major holidays, it’s accompanied by a higher volume of journeys across Japan's transportation network and higher accommodation rates.

New Year

Japanese New Year celebrations include a variety of traditions, which can be incredible to witness, but can make travelling more difficult. Japanese people tend to visit family during this time, or take part in Hatsumōde, the first visit to a temple or shrine of the year. Businesses typically shut from the 1st-3rd January and, like Golden Week, travel and accommodation can get busier and more expensive.

Golden week

This is a week-long national holiday that typically falls towards the end to April to early May. Many businesses close during this period, and Japanese residents tend to travel to see family, so transport can be difficult to navigate. Accommodation can also be hard to find, or cost more than usual. The disruption usually begins before Golden Week and lasts for a few days after. The dates for 2025 are the 29th April - 5th May.

Where should I visit in Japan?

Some of the most popular tourist destinations to visit in Japan are:

Osaka

Second largest city after Tokyo, famous for its nightlife, street food and fun-loving locals. Osaka castle is also worth visiting.

Nara

A city full of temples, and hundreds of wild deer who roam in Nara Park and bow to you.

Hiroshima

This is the site of first atomic bomb strike. Hiroshima now has a large memorial known as Peace Park.

Mount Fuji

Japan's highest peak. You can visit from July to early September, with many hikers opting to stay in the halfway hut overnight. If you do decide to visit, booking this is generally advised.

Kyoto

Japan’s former capital, steeped in history and renowned for it’s traditional architecture. Kyoto is also the hotspot of the cherry blossom festival.

Tokyo

Japan’s current capital and the most populous city on earth. You can visit a wide variety of art galleries and museums, there are also countless restaurants and bars to sample.

What's the best way to get around Japan?

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Public transport

Public transport is reliable and well priced in Japan.

The train network is renowned for its punctuality, with the Shinkansen (aka, the bullet train) being a particularly quick and comfortable way to zip around the country.

Buses are likewise good, with English signage usually present to help you navigate each route.

Taxis are also a good option. Keep an eye on their rooftop signs. Red means that taxi is booked. Green means it’s free.

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Driving

To drive in Japan, you'll need an International Driving Permit.

These are usually valid for 12 months. You'll need to apply for them in person at the Post Office. If you’re staying longer than 12 months, you'll need a Japanese driving licence.

Like in the UK, Japanese cars drive on the left side of the road. Japan’s road rules are also similar to our own in the UK.

If you’re renting a car, you might need car hire excess insurance. Check with the rental firm to confirm this though.

Need more help with your trip to Japan?

Do I need a Visa for Japan?

If you're a UK citizen, you'll need a visa to enter Japan. But getting one is usually quick and easy. For shorter trips, you can pick one up at the airport. This will allow you to stay in Japan for up to 90 days. You won't need to apply for this before travelling.

For stays longer than this, you’ll need to apply before you fly. To do this, you'll need to contact the Japanese embassy. Unlike many other countries, you do not need any set length of time left on your passport to obtain a Japanese visa, but it must remain valid until the end of your stay.

You’ll also need to make sure you have a blank page free in your passport for the visa stamp.

Can I get Japan travel insurance if I have a medical condition?

You’ll need to declare any pre-existing conditions to your insurer, otherwise any treatment you need for it may not be covered and you’ll have to foot the bill yourself.

You should be able to travel insurance for pre-existing conditions. You’ll only be covered for emergency treatment though. Any planned treatment will not be covered.

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