Travel Insurance Japan
Travel with confidence in Japan with coverage for medical emergencies, evacuation, and unexpected trip changes
Everything You Need for a Safe Trip to Japan
Medical care for unexpected illnesses and accidents
Maximum evacuation & repatriation benefits
Peace of mind if your plans unexpectedly change
Fast online purchase under 10 minutes
24/7 English-speaking assistance wherever you are
The LUMA difference for your trip to Japan
Direct access to MediPro, our in-house medical team
A team of international doctors who can guide you if you’re unsure about local treatment
Strong hospital & clinic network in Asia
We know where you’ll get the best care
Asia-focused travel insurance
Designed specifically for travelers to the region, not a one-size-fits-all product
Fast, human assistance
Real people ready to help you anytime
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Underwritten by
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Designed for Every Type of Traveler in Japan
LUMA delivers trusted travel protection, designed to keep every journey worry-free and chosen by travelers worldwide.
Cultural Explorers
Whether you’re visiting temples in Kyoto, wandering through old towns, or exploring Tokyo’s vibrant mix of tradition and innovation, LUMA covers you with evacuation and medical support—so you can focus on discovering Japan’s heritage.
Food & City Adventurers
From sushi spots to izakayas, neon-lit streets to anime cafés — Japan’s urban culture is part of the experience. LUMA protects you from unexpected medical costs or trip disruptions, so you can explore freely.
Family Travelers
Traveling to Japan with kids? LUMA’s family-friendly plans offer reliable medical coverage and assistance, giving everyone peace of mind even if plans unexpectedly change.
Cultural Explorers
Whether you’re visiting temples in Kyoto, wandering through old towns, or exploring Tokyo’s vibrant mix of tradition and innovation, LUMA covers you with evacuation and medical support—so you can focus on discovering Japan’s heritage.
Food & City Adventurers
Family Travelers
Explore Japan Adventures Without Worry
Cultural Sightseeing
Culinary Tour
Skiing & Snowboarding
Hiking & Trekking
Cultural Sightseeing
Culinary Tours
Skiing & Snowboarding
Hiking & Trekking
Subject to the terms, conditions and limits of your policy and plan.
Trusted by Travelers Across Japan
Jérôme C.
Perfect for traveling in Asia. One issue in Phnom Penh with my eyes, LUMA and his staff was particularly efficient and took care of me.
Thank you very much LUMA.
Clara M.
Super easy and reliable travel insurance! ⭐️
I used LUMA for my trip around Vietnam, Thailand, Japan and Southeast Asia — everything was done online in just a few clicks. Got my policy instantly, no long forms or waiting.
What I really liked is that it covers not just regular travel stuff, but also health issues and motorcycle accidents — which is a big plus if you’re riding motorcycles around in SEA.
Methawee M.
I recently buy travel insurance from LUMA when I travel overseas because it’s easy to buy and pay on website. It took only 5 minutes! And the price is reasonable so will definitely buy it again!
Ian P.
Agents are really helpful in answering all my questions about the insurance coverage for my son. The processing is also fast as well as customer service if you need any assistance.
Eldar C.
In Thailand, I had an infection and needed an operation. Luma’s insurance paid for everything without any problems.
FAQ - Travel Insurance Japan
Can I buy LUMA travel insurance after I arrive in Japan?
No, coverage must start before your trip begins. It has to be purchased before departure for full protection.
What’s the maximum trip duration covered?
Will I have to pay out of pocket for medical treatment?
For most treatments, you’ll need to pay upfront and submit your claim for reimbursement.
For larger bills over USD 1,000, we can arrange assistance and direct billing with the hospital whenever possible, subject to prior review and approval.
Can I get a refund if I cancel my trip before it starts?
Yes. If your policy hasn’t started yet and no claims have been made, you’re eligible for a full refund. Once the policy has begun, however, refunds are no longer possible.
How can I submit a claim?
Please refer to the confirmation email you received after purchasing your policy. It includes detailed instructions on how and where to submit your claim, along with the required claims form and a list of supporting documents you’ll need to provide.
Inquire or have additional questions
Reach out to our Team