Visitor Insurance for Tokyo Residents Visiting the USA (2026)
Japan's National Health Insurance (NHI) is one of the best systems in the world — but it only works in Japan. It has no coverage in the United States.
Tokyo is Japan's primary gateway to the United States, with direct flights to New York, Los Angeles, San Francisco, Chicago, and Honolulu. Japan sends over 3 million visitors to the US annually, and Japanese national health insurance provides zero coverage abroad.
Japan's NHI and Shakai Hoken Have No Coverage in the USA
Japan's National Health Insurance (NHI / Kokumin Kenkō Hoken) and the employee-based SHAKAI HOKEN system cover care inside Japan only — they reimburse nothing outside Japanese borders. Japan and the United States have no bilateral healthcare agreement, so US bills land entirely on you. A single US hospital day averages $11,700; emergency surgery can exceed $80,000. Japanese nationals visiting family in California, New York, and Hawaii face full exposure: one fall or cardiac event generates bills that dwarf even Japan's highest private-room rates back home.
Japan has one of the best public health systems in the world — but that system ends at Japan's borders. In the USA, you pay everything yourself.
What US Medical Bills Actually Look Like
Emergency Room Visit
$3,100–$8,000
Triage, exam, basic tests
One Night Hospitalization
$11,700–$22,000
Room, nursing, meals only
Cardiac Event Treatment
$75,000–$185,000
Catheterization, ICU, meds
Medical Evacuation Flight
$95,000–$250,000
Air ambulance, medical crew
Best Visitor Insurance Plans for Tokyo Residents
All three plans below are accepted at any US hospital and purchased 100% online. Coverage certificate arrives by email in minutes.
IMG Patriot America Plus
Largest US carrier network · UHC PPO
- ✓ Up to $1,000,000 coverage
- ✓ $0–$2,500 deductible options
- ✓ Acute onset pre-existing: $25K
- ✓ Emergency evacuation: $500K
- ✓ Available ages 14 days–99 yrs
- ✓ Multilingual 24/7 support
Best for: First-time visitors, families, tourists
WorldTrips Atlas America
Maximum coverage · Top evacuation benefit
- ✓ Up to $2,000,000 coverage
- ✓ $0–$5,000 deductible options
- ✓ Acute onset pre-existing: $50K
- ✓ Emergency evacuation: $1,000,000
- ✓ Available ages 14 days–99 yrs
- ✓ Flexible coverage periods
Best for: Seniors 65+, long stays, max protection
Trawick Safe Travels USA
Budget-friendly comprehensive · Telehealth included
- ✓ Up to $1,000,000 coverage
- ✓ $0–$5,000 deductible options
- ✓ Acute onset pre-existing: $20K
- ✓ Emergency evacuation: $500K
- ✓ Available ages 14 days–89 yrs
- ✓ Free telehealth included
Best for: Budget-conscious, short stays, under 70
No obligation · Certificate in minutes · Licensed TX #2608479TX
How Much Does Visitor Insurance Cost?
Estimates for $100,000 coverage with a $250 deductible. Actual quotes vary by plan, exact age, and dates.
| Age Group | 30 Days | 60 Days | 90 Days |
|---|---|---|---|
| 25–34 | $28–$42 | $55–$83 | $82–$124 |
| 35–44 | $33–$52 | $65–$103 | $98–$155 |
| 45–54 | $45–$72 | $89–$143 | $133–$215 |
| 55–64 | $72–$118 | $143–$235 | $215–$352 |
| 65–69 | $115–$188 | $229–$375 | $343–$562 |
| 70–74 | $165–$265 | $329–$529 | $493–$793 |
| 75–79 | $215–$355 | $429–$709 | $643–$1,063 |
* Get an exact quote at towerhilltravelinsurance.com/quote
What Visitor Insurance Covers
Frequently Asked Questions
Does Japan's health insurance cover medical care in the USA for Tokyo residents?+
What visitor insurance do you recommend for people traveling from Tokyo to the USA?+
Do residents of Tokyo need a visa to visit the USA?+
Can I buy visitor insurance after arriving in the USA from Tokyo?+
How do I use visitor insurance if I need care in the USA?+
Full country guide
🇯🇵 Visitor Insurance for Japanese nationals visiting the USA
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