Travel Insurance for Japan: Skiing, Earthquakes and the Bullet Train

Japan is one of the safest countries on earth for tourists — but its private healthcare costs are eye-wateringly high and it has a unique set of risks (earthquakes, typhoons, ski crashes in Niseko) that make travel insurance essential.

Hospital costs

Japanese hospitals do not operate a public payment system for foreigners. You'll pay upfront and claim back, often in cash. Budget for:

• £200+ for a GP-style consultation
• £1,500+ per night in a private hospital
• £10,000+ for a broken leg with surgery

£10 million medical cover is recommended.

Skiing in Niseko, Hakuba and Nozawa

Japan has become one of the world's top ski destinations. You'll need winter sports cover added to your policy — standard travel insurance excludes ski-related injuries.

Off-piste tree skiing in Hokkaido is covered only with a qualified guide. Backcountry needs a specialist add-on.

Earthquakes and typhoons

Earthquakes and typhoons are covered under standard "natural catastrophe" provisions. If your accommodation is damaged or evacuation is ordered, cancellation and curtailment apply. General disruption (transport delays from a typhoon) is covered under travel delay benefits.

Bullet trains and JR Pass

Travel insurance covers missed onward connections caused by Shinkansen delays of more than 2 hours. JR Pass refunds for unused days due to a covered cancellation event are claimable as pre-paid travel.

Cash and the lost wallet

Japan is still a heavily cash-based country and you'll likely carry more cash than at home. Cash cover is typically £200–£500 per person — keep large amounts in hotel safes.

Cycling and onsen

Cycling (including hire bikes) is covered as standard. Onsen visits and cultural activities are non-issues for insurance. Be aware that some onsens refuse entry to people with tattoos — not an insurance matter, but worth knowing.

Get a Japan travel insurance quote.