JapanAre travel agencies required to offer insurance?
No, travel agencies in Japan are not legally required to offer travel insurance to customers.
What the Law Says
Japanese law does not mandate travel agencies to provide or sell travel insurance to customers. The regulation of travel agencies is governed primarily by the Travel Business Act, which focuses on licensing, consumer protection, and business conduct—but contains no provision requiring insurance sales.
The Travel Business Act (旅行業法) sets out the rules for operating a travel agency in Japan, including registration requirements, disclosure obligations, and handling of customer payments. However, it does not impose any duty on agencies to offer, recommend, or sell travel insurance.
Agencies may choose to offer insurance as a value-added service, but doing so is entirely voluntary. If they do offer insurance, they must comply with separate laws governing insurance solicitation — such as the Insurance Business Act — including proper licensing for insurance sales activities.
Consumers are free to purchase travel insurance independently, and many do so through insurers, credit card companies, or online platforms — not necessarily through the travel agency.
Statutory TextThis Act aims to ensure the sound development of the travel business and protect travelers' interests by regulating travel businesses.
— Travel Business Act, s. 1 — Purpose
Statutory TextA person who intends to engage in the travel business shall obtain permission from the Minister of Land, Infrastructure, Transport and Tourism.
— Travel Business Act, s. 3 — Permission Requirement
What to Do
Check whether your travel agency is licensed under the Travel Business Act.
If you plan to sell insurance, confirm whether you hold the necessary license under the Insurance Business Act.
Clearly disclose to customers whether insurance is included, optional, or not offered at all.
Provide written explanations of any insurance product offered, including coverage limits and exclusions.
Sources
Not legal advice. This article is general information based on publicly available sources, written for educational purposes. Laws change and individual situations vary. Consult a licensed attorney in your jurisdiction before acting on anything you read here. Last reviewed: 2026-06-08.