Hiking in Japan: Why Insurance Matters

Japan Rescue Organization Hiking Accident Statistics

One of the hazards of outdoor recreation such as hiking, camping, mountain biking or skiing is that it entails an element of risk. For solo adventurers such as myself, the level of risk is even more significant with a real potential for things to turn sour quickly. Thorough planning goes a long way to mitigating harm, but when things do go wrong having a comprehensive search and rescue insurance policy at the ready is definitely worth the peace of mind.

To drum home the point a little clearer we have examined the search and rescue statistics from jRO (Japan Rescue Organization LLC) over the past five years. With over 63,000 paid up members jRO is one of largest search and rescue insurance providers in Japan. Along with hiking and mountain climbing it also provides coverage for mountain biking, trail running and snowboarding.

The map below reveals the location, date, incident particulars and costs associated with each of the 127 emergencies the organisation responded over the period. Unsurprisingly the bulk of incidents around 75 took place the popular Northern Alps, followed by the Southern Alps and mountain ranges west of Tokyo including Yatsugatake. A rather disconcerting aspect was that 37 percent of call out requests culminated in a fatality and over 40 percent required a helicopter dispatch.

The Cost of Mountain Search and Rescue In Japan

  Call outs: 127

  Fatalities: 47

  Injuries: 39

  Illness: 7

  Frostbite: 3

  Not specified: 31

  Helicopter dispatches: 55

  Average rescue cost: ¥398,000 ($3,500 USD)

  Highest single rescue cost: ¥3,300,000 ($29,100 USD)

  Highest multi rescue cost: ¥4,950,000 ($43,700 USD)

jRO Japan Rescue Organization LLC (statistics 2012 to 2016)

It goes without saying that without insurance the costs associated with a rescue mission and or medivac can add up quickly. In 2016 for example the average incident that jRO attended cost ¥455,000 ($4,000 USD). On the higher side, fees can easily run into the tens of thousands of dollars. Uninsured foreign residents and visitors are not immune with a couple of well documented cases of individuals ladened with hefty charges in recent years. Only this year an Australian family went missing at Nozawa ski resort in Nagano Prefecture and needed rescuing by ski patrol after spending a night in freezing conditions.

Makeshift helipad in Japanese Alps.

It should be noted that the aggregated incidents here only represents a small fraction of the total number of mountain rescues responded to by emergency services overall. Case in point being the 2014 eruption of Mount Ontake on the border of Nagano and Gifu prefectures which claimed 58 lives and left 5 more still unaccounted for. It seems that of the total victims caught up in this tragedy only one was a jRO member. The data sample does however provide us a foretaste of the expenses you would likely face should you find yourself needing rescue without adequate insurance coverage. On the plus side for long term residents hiking insurance is surprisingly affordable with annual memberships starting from as little as ¥2,160 ($21 USD).

  • Hi!

    I am interested in ‘mountain insurance’ but I am not a long term resident, just a tourist. I am planning to attempt the Tateyama – Kamikochi traverse, including the Daikiretto. I read that insurance or membership to one of the Japan Alpine clubs can be gotten in Kamikochi but I am starting in Murodo/Tateyama. Any advice on where to get insurance? Thank you!


    • That is correct, hiking insurance is available at the Kamikochi bus station (保険 hoken; from ¥1,000 per person per day). As far as I’m aware it is not possible to purchase hiking insurance from Murodo – I just searched the Japanese interweb and couldn’t find anything. Your best bet would be to find a travel insurance provider that offers search and rescue coverage before you arrive in Japan.

  • Hi David
    Love your site and am very grateful. I’m hiking a lot in Okutama. Do you know where I could buy insurance around here?

    • Hi Patrick,

      Thanks for the kudos. Good to hear you’re considering search and rescue insurance for your hiking adventures. On a sliding scale from cheapest to most expensive your options include jRO (Japan Rescue Organization) annual fee 2,160 yen plus a one time joining fee of the same amount. Another provider is Nihon Hiyo Hosho who offer a plan like jRO with an annual fee of 4,000 yen. Next is Yamakifu with an annual fee ranging from 4,000 – 10,000 yen with the more expensive plans also including outpatient care. Finally, the most expensive is Montbell which have two plans, an “outdoors” and “climbing” the annual premium for a basic climbing plan is 8,270 yen which can be purchased on the internet and is valid from the afternoon of the next day.