Healthcare in Japan is excellent but expensive for tourists. Here is why you need travel insurance for your 2026 trip.

Japan is safe, but accidents happen. If you trip and break a leg in Kyoto, or get sick from sushi, the medical bill can be shocking. Japanese travel insurance for tourists is a must for 2026.

The Cost of Medical Care

• Doctor Visit: 5,000 - 10,000 JPY.
• Ambulance: Free! (Yes, really).
• Hospital Stay: Can easily reach 500,000 JPY ($3,500 USD) for a few days.
• Payment: Most clinics do NOT accept credit cards. Cash only.

Recommended Insurance

1. Tokio Marine (Inbound Travel Insurance):
   • Pros: You can buy it after you arrive in Japan (via smartphone).
   • Coverage: Includes cashless treatment at partner hospitals and interpretation services.
2. World Nomads / SafetyWing:
   • Pros: Good for backpackers and digital nomads.
   • Cons: You usually have to pay upfront and claim it back later.

👉 Healthcare System: Japan Health Insurance for Foreigners

Why "Cashless" Matters

In Japan, "Cashless Insurance" means the insurance company pays the hospital directly. If you don't have this, you must pay the full amount in cash before you leave the hospital.