Travel Medical Insurance for Tokyo

Yes. US domestic health insurance does not cover you in Tokyo, Japan. A hospital stay here costs $1,500–$5,000 per day for uninsured visitors. Without coverage, you're personally responsible for 100% of any medical costs.

Tokyo Medical and Surgical Clinic, International Catholic Hospital (Seibo International), and St. Luke's International Hospital are the main English-speaking hospitals in Tokyo. Cash payment is often required upfront even with insurance. When you buy through Tower Hill, your policy includes a 24/7 assistance line that can direct you to approved facilities and coordinate direct billing with the hospital — so you don't pay out of pocket.

The most common medical issues for visitors to Tokyo are earthquake and natural disaster injuries (Tokyo is in an active seismic zone), road accidents, heat stroke in summer, cardiac events, foodborne illness from raw fish, and cold/flu illness. Your travel medical policy covers emergency treatment for all standard illnesses and injuries encountered while traveling.

Travel medical insurance for Tokyo typically costs $2–$8/day for travelers under 60, depending on age, coverage level, and deductible chosen. A 2-week policy for a healthy 40-year-old typically costs around $35–$70. That's roughly the cost of one meal at a tourist-area restaurant — for coverage up to $1,000,000.

Yes — every travel medical insurance policy through Tower Hill includes emergency medical evacuation coverage. If your condition cannot be adequately treated in Tokyo and you need transport back to the US, your policy covers the air ambulance and associated costs up to the policy limit.

Buy within 14 days of your first trip payment to unlock time-sensitive benefits: pre-existing condition waiver, Cancel For Any Reason (CFAR) upgrades, and financial default protection. There's no price benefit to waiting — the policy simply activates on your departure date.