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Compare Travel Insurance for Japan

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Destination
Japan
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“Wherever you go, go with all your heart.”

— Confucius

Explore Japan with Confidence

Japan is a captivating destination for many Australians, with its blend of ancient traditions and cutting-edge tech vibrancy. In 2024, more than 920,000 Australians visited Japan, drawn by its cherry blossoms, bustling cities, and world-class ski resorts. Whether you're exploring the historic temples of Kyoto, indulging in Tokyo's neon-drenched culinary delights, or hitting the slopes in Niseko, the last thing you want is an unexpected event disrupting your plans.

Travel insurance ensures you're protected from unforeseen events such as medical emergencies, trip cancellations, or lost belongings - allowing you to enjoy your Japanese adventure with peace of mind.

Why You Need Travel Insurance for Japan

Japan is known for its safety and hospitality, but it's essential to be prepared for potential risks. Travel insurance for Japan can protect you from:

Japan's healthcare system is excellent but can be expensive for tourists. If you fall ill or have an accident, travel insurance can cover hospital stays, doctor visits, and medications. In serious cases, emergency medical evacuation back to Australia may be necessary, and insurance can ensure you're not left with the bill.

Although Covid-19 travel disruptions aren’t as common as before, testing positive and falling ill while overseas can still be an issue. Our policies include Covid-19 cover, which can help with medical costs or trip cancellations if you test positive before or during your trip.


Japan's ski resorts are a major attraction for Australians. However, snow sports come with inherent risks. Travel insurance can cover medical treatment for injuries sustained while skiing or snowboarding, including hospitalisation and evacuation if required. Ensure your policy includes coverage for snow sports.

Flight cancellations due to weather, illness, or airline disruptions can throw your plans into disarray. Travel insurance can reimburse prepaid accommodation, tours, and flights if your trip is unexpectedly cancelled or delayed - potentially saving you from paying for a holiday you couldn't take.


While Japan has a low crime rate, theft and loss of valuables can still occur, especially in crowded areas. Travel insurance can help cover the replacement costs of items like passports, cameras, and luggage, ensuring you can continue your trip without major financial setbacks.

Japan is prone to natural disasters such as earthquakes and typhoons. Travel insurance can help cover costs associated with trip disruptions, cancellations, or emergency accommodation if natural disasters impact your plans.

Best Travel Insurance for Japan

Medical Only

  • Covers medical emergencies

Economy

  • Includes higher medical limits, trip protection, and cover for lost or stolen belongings.

Business Class

  • Premium coverage with extended benefits, including higher claim limits and additional protections for valuables.

Optional Add-Ons for Japan

Snow Pack

Coverage for a range of events that may occur whilst you are participating in snow sport activities (limits & conditions apply)

Most popular

Rental Vehicle Excess

Coverage up to $6,000 to pay for your rental car excess. This covers the insurance excess portion - please ensure that you also have comprehensive car insurance.

Cruise Cover

Cover for events that occur whilst you are on a multi-night cruise (limits & conditions apply) - single night cruises and scheduled ferry crossings are automatically covered.

Pet Boarding

Up to $200 per day, to a maximum of $1400 if your return from overseas is delayed and you need to extend your pet boarding arrangements

Motorcycle/Moped Pack

Essential if you plan on renting a scooter or motorbike.

Here’s How to Compare our Travel Insurance Plans for Japan

  • Instant Online Quote: Enter your trip details and get an instant quote.

  • Choose Your Cover: Select from Medical Only, Economy, or Business Class

  • Add Optional Extras: Customise your plan based on your activities and needs.

  • Purchase & Confirm: Secure your cover online and receive instant confirmation.

  • Stay Covered: In case of an emergency, contact our 24/7 assistance team for immediate support.

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Where Can I Get Travel Insurance for Japan?

Getting covered before your trip is simple with TravelInsurance.com.au. Whether you're exploring Tokyo, skiing in Hokkaido, or relaxing in an onsen in Kyoto, the right travel insurance policy can safeguard you from unexpected expenses.

Get peace of mind knowing you can be covered for medical emergencies, trip cancellations, lost luggage, and more.

Frequently Asked Questions about Travel Insurance Japan

According to Smartraveller, travel insurance is highly recommended for travel in general, including for Japan. Medical care can be expensive, and hospitalisation or emergency treatment could cost thousands. Travel insurance helps cover unexpected medical bills, trip cancellations, and lost or stolen items.

Yes, if you add the Snow Pack to your policy. This covers medical costs for injuries, damaged or stolen ski gear, and even reimbursement for unused lift passes if an accident cuts your trip short.

Yes, you may be reimbursed for unforeseen disruptions caused by earthquakes, typhoons, or unforeseen volcanic activity. Japan is prone to these events, so it’s essential to ensure your policy includes this protection.

If you fall unexpectedly ill in Japan, travel insurance can cover hospital bills, medical treatment, and prescribed medications. In serious cases where it is medically necessary, your illness may require emergency medical evacuation back to Australia for you to get better treatment at home.

*Note that not all benefits apply and will depend on whether you have selected them (and are reflected on your Certificate of Insurance). Terms, conditions, exclusions, limits and sub-limits apply. Please read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for further details.