■Top 3 Travel Insurance Providers Commonly Used by Visitors to Japan.
TOP 1: Allianz
A globally well-known and widely chosen insurance brand, often offered as an add-on during flight bookings or through major travel agencies.
Offers a broad range of plans, from short-term travel insurance to expatriate coverage such as Allianz Care. Many medical institutions in Japan are relatively familiar with this insurer.
・Plan overview (general tendencies):
Basic: Costs only a few dollars per day; psychiatric care is usually excluded.
Standard: Mid-range daily pricing; some plans may partially cover acute psychiatric hospitalization only.
Premium / Care plans: Higher daily or monthly cost; some plans include both inpatient and outpatient psychiatric care.
TOP 2: AXA
Holds a strong market share in Europe and Asia and is frequently ranked highly in travel insurance comparison articles for trips to Japan.
Known for plans with relatively comprehensive medical coverage and for international health insurance options often selected by long-term visitors and expatriates.
・Plan overview (general tendencies):
Bronze: Low daily cost; mental health conditions are commonly excluded.
Silver: Mid-range pricing; certain products may cover psychiatric hospitalization under specific conditions.
Gold / Higher-tier plans: Higher daily cost; broader coverage that may include mental health services and psychiatric treatment.
TOP 3: Cigna
(Similar providers include Bupa, IMG, and others)
A representative international health insurance provider frequently used by expatriates and employees of multinational companies, including many foreign-affiliated firms operating in Japan.
・Plan overview (general tendencies):
Silver: From approximately USD 150 per month; psychiatric care often limited to inpatient treatment or available only as an optional add-on.
Gold: Mid-range monthly cost; may cover psychiatric hospitalization plus limited outpatient care or counseling, subject to benefit caps.
Platinum: Higher monthly cost; typically offers comprehensive coverage, including inpatient and outpatient psychiatric care and psychotherapy.
■Important Notes on Mental Health Coverage
Most travel insurance and international medical insurance plans are structured in tiered levels (often comparable to “basic / standard / premium”).
While higher-tier plans may offer relatively comprehensive mental health coverage, many basic and mid-level plans either exclude psychiatric care entirely or provide only very limited benefits.
As a result, many travelers technically have insurance but remain unsure whether psychiatric consultation is actually covered under their specific plan. This uncertainty often leads people to delay or avoid seeking care.
Our Clinic’s All-Inclusive Psychiatric Consultation Package
To reduce this uncertainty, our clinic offers an all-inclusive psychiatric consultation package regardless of insurance type or coverage details.
Fee: JPY 88,000 (tax included)
Includes:Initial psychiatric consultation
Necessary explanations and documentation
Preparation of medical documents in English, if required
Because the maximum total cost is determined in advance, patients do not need to worry about whether their insurance will reimburse psychiatric care before seeking help.
You can consult us with confidence, knowing exactly what the cost will be.