"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."
Travel to Japan
fully insured
With a decade in Asia, LUMA covers you from all the unique risks of travelling to Japan.
- 4.8
- 4.0 Rating
Trusted by 100,000+ travelers
A decade of travel cover
Backed by medical guidance
Instant online purchase
On-the-ground teams and global partners ensure care is always nearby.
24/7 English-speaking assistance with coverage curated for Japan.
Practical support backed by decade-long experience and deep-rooted hospital networks.
Direct access to our in-house medical team (Medipro) for real medical advice.
Japan calling? We go above and beyond to make sure your trip stays golden.
01 Temple hopping & shrine trails?
Climbing the thousands of torii gates at Fushimi Inari or exploring Kyoto's historic districts? A twisted ankle or sudden illness can mean urgent care. Healthcare in Japan can be costly, so we handle the bill directly while you focus on recovery.
02 Mount Fuji or national park hikes?
Trekking to Fuji's summit or hiking through Yakushima's forests? Altitude sickness or trail injuries are more common than you'd think. Our Medipro team connects you with the right doctors at the right hospital for guidance and second opinions on treatment and medication.
03 Ski slopes & snow sports?
Hitting the powder in Niseko? A bad fall on the slopes can mean serious injury. No need to stress about costs — we got your back.
04 Remote onsen or off-the-beaten-path escapes?
Venturing into hidden mountain villages or Japan's remote national parks? If the nearest clinic isn't equipped to treat you, we arrange and cover the medical evacuation to the right facility, with no cost limit.
05 Last minute plan?
Booking for a sudden plan? Get your quote instantly and your policy in a few clicks, even at the boarding gate.
Hear real stories from real travellers
"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."
"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!"
"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."
"In Thailand, I had an infection and needed an operation. Luma’s insurance paid for everything without any problems."
Got Questions? We've Got Answers.
We highly recommend that you buy travel insurance before you travel to Japan to cover unexpected medical bills incurred during your trip.
A comprehensive travel insurance policy can provide valuable benefits, including trip cancellation coverage, in addition to medical cover in Japan.
Traveling to Japan is expensive, and the financial impact of canceling your trip can be significant. Travel insurance coverage allows you to claim for non-refundable costs like flights, hotel bookings, and transfers, giving you peace of mind.
The cost of travel insurance cover to Japan varies based on:
- The length of the trip
- The level of coverage you choose
- The travel benefits you opt to include
LUMA offers various options to cover your trip to Japan. The cost can start at 10 USD per day and can go up to $28 USD per day for a week of fully comprehensive cover.
LUMA travel insurance covers snow sports in Japan as long as you do not take part in them professionally. For example, a competition or race. Check your policy wording for more details.
Yes, LUMA travel insurance covers hiking at altitudes of up to 5,000 meters in Japan. Mount Fuji is the highest mountain in Japan, but it is only 3,776m high. This means you are effectively covered for hiking anywhere in Japan. You are not covered if you hike in a professional capacity.
Some travel insurance providers allow you to purchase travel insurance upon arrival in Japan.
However, you must buy LUMA travel insurance before your trip. Your trip to Japan will not be covered if you purchase insurance once you begin traveling.
LUMA travel insurance offers protection for medical expenses incurred within Japan, subject to the policy’s terms and conditions.
The reason for pre-trip purchase is straightforward: this policy does not cover incidents known or anticipated at the time of purchase. Buying insurance beforehand ensures you are covered for unforeseen events that arise during your trip.
If your trip hasn’t started and you want to cancel your policy, you can request a full refund. However, if you’re already in Japan and your policy is active, and you have to cut your trip short due to a natural disaster, such as an earthquake or tsunami, you might be eligible for reimbursement of non-refundable travel expenses. This benefit is subject to the “Cancellation Charges” coverage of your policy.
To travel to Japan, certain nationalities must obtain a visa by applying at a Japanese embassy or consulate in their home country.
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 requirements for your travel plans.
