covermore travel insurance thailand

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Holiday more, worry less – pack our travel insurance

• Not sure? See full destination list.

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It's as good at getting you out of a tight spot as it is at giving out travel tips.

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How do I find the best travel insurance plan for my next adventure?

Budget or blowout, high-end or low-key, only you can know which level of cover is right for your trip – we just want to help you have fun while you travel, safely. Bag packed? Let’s go!

International Basic

Does what it says on the tin – budget-friendly cover when you just want to cover the essentials.

Pre-trip cover if you’re diagnosed with COVID-19

On-trip cover if you’re diagnosed with COVID-19^##

Unlimited~ overseas emergency medical expenses^

Up to $5,000 luggage cover

Existing medical conditions cover available

Optional cancellation cover

Single trip policies

Annual multi-trip policies^

Rental vehicle insurance excess

International Comprehensive

More cover and higher benefit limits so you can worry less. It’s our most popular plan for a reason.

Pre-trip cover if you’re diagnosed with COVID-19#

On-trip cover if you’re diagnosed with COVID-19 while travelling^##

Up to $15,000 luggage cover*

Single trip or annual multi-trip^^ policies

Rental vehicle comprehensive cover

Our ‘more is more’ plan. Think of it as ordering the ice cream sundae with all the trimmings.

Up to $25,000 luggage cover*

Business trip benefits

Compare what’s covered

Important bits for you to know:

* Item limits apply.

~ Cover will not exceed 12 months from onset of the illness, condition, or injury.

^ For cruise-related expenses, Cruise Cover must be included in the policy. There is no cover for cabin confinement related to COVID-19.

^^ Policy availability subject to age, trip duration and area of travel. Policies may not be available to all travellers.

# Up to $5,000 per policy (or the amount chosen if this is less) applies to International Comprehensive Plan and Comprehensive+ Plan policyholders with Amendment or Cancellation Costs cover included. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply.

## Up to $5,000 per policy (or the amount chosen if this is less) applies per policy for policyholders with Amendment or Cancellation Costs cover included. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply. A special excess applies.

Still thinking about COVID-19?

Gone but not forgotten – in case COVID-19 joins your trip despite not being invited, you’ll have cover for:

Unforeseen overseas emergency medical costs*~#

Unanticipated amendment or cancellation costs*^

Unexpected additional expenses*#^

Discover our COVID-19 Cover

*Limits, sub-limits, conditions, and exclusions apply.

▵Pre-trip Amendment or Cancellation Costs cover is only available on our Comprehensive Plan and Comprehensive+ Plan.

~Medical cover will not exceed 12 months from onset.

#Cover for medical costs related to COVID-19 is not available on our Domestic Plans.

^A special excess will apply.

You can travel more, do more, smile more – and we’ll Cover-More

More control

You choose the right plan and cover options for your trip. (You holiday your way, we’ll do the rest.)

More confidence

Access to an award-winning 24/7 assistance team. (They know how to get you out of a pickle.)

More laughs

Get automatic cover for 80+ activities. (Novices or experts – everyone’s welcome.)

More wisdom

We’ve been doing this for more than 35 years. (Yes, we know what we’re doing.)

Had a holiday hiccup?

Don’t worry – you can submit a Cover-More travel insurance claim online at any time, from anywhere.

Need emergency support, fast? We’re here for you, 24/7

More ways to make your cover yours.

Doing more than simply sitting under a beach umbrella on your upcoming trip? We can help you vary your cover, so you travel your way, safely

Setting sail?

Are you heading out onto the ocean or the sea for two nights or more? Then you’ll need to include our Cruise Cover.

Hitting the slopes?

Before you set foot on the snow at home or overseas, choose one of our two levels of Snow Sports Cover.

Adrenaline junkie?

If you like raising your heart rate, you might want to consider one of our two levels of Adventure Activities Cover.

Love two wheels?

Planning to travel on a motorcycle or moped as the driver or passenger? Check out our Motorcycle/Moped Cover.

True travel claims stories: our Cover-More travellers share their tales

When it comes to unexpected incidents, we’ve seen it all (and then some). But this is good news for you: when you travel with a Cover-More travel insurance policy, you can worry less knowing you’ve got a caring team by your side, 24/7.

Mosquito bite in Bali

For a small insect, mosquitos are might powerful… Shannon was bitten by a one in Bali and got Dengue Fever, but we were there to help her get the care she needed.

"Cover-More were absolutely fantastic. I wasn't responding well to medical treatment, so they flew in a specialist from Singapore to accompany me all the way home. I'm so glad I had Cover-More travel insurance."

Boating mishap in Thailand

Natalie went to Thailand for a good time but ending up being involved in a speedboat crash (ouch!). We were there to help her get the care she needed for her fractured pelvis and brain haemorrhage.

"Luckily I had Cover-More insurance. They took care of everything and made sure we had the best medical treatment available."

Broken bones in Poland

Irene didn’t plan to end up falling and getting a bad fracture in Poland when she was there visiting family… but lucky she had us to help cover her extensive medical costs.

"Amazing. I can't praise them highly enough. Wonderful, wonderful people... Nobody should travel without insurance."

More care, less worry - try our Cover-More travel insurance for your holiday

Caring is sharing… useful travel tips.

Whether you’re about to get your first passport stamp or you’ve been collecting them for years, every day can be a school day. What will you learn about travelling today?

9 common travel insurance myths

We separate fact from fiction so you can get the truth about the benefits of travel insurance.

3 ways our assistance team can help you

We’re not just here to help you with catastrophic situations, we can help with the small stuff, too.

7 ways our app can help you travel smarter

You’ll be trip-ready with travel tips, safety advice and more, all in the palm of your hand.

Cover-More travel insurance FAQs

We want you to have a fantastic holiday. But if something goes wrong? Don’t worry – we’ll be here for you. Discover more about our cover and how we can help you on your next holiday now.

What does Cover-More travel insurance cover?

Like you, we know how exciting travel can be, but we also know every traveller is different and has different needs. You might be a backpacker on a tight budget or a senior spending the kids’ inheritance on a bucket list trip (go you!), which is why we cover lots of things.

Whoever you are, and however you like to travel, we offer cover for more than 80 fun-packed activities in all our base plans, from abseiling to archery, camel riding to canyoning, and snorkelling to sandboarding, and many more. We’ve also got optional cover for cruises, snow holidays, and motorcycling!

And, while we hope you’ll never need to ask, we’re also here to help if something goes wrong. You can contact us 24/7 for assistance, which means you’ll never be on your own if your plans go a little pear-shaped.

We also have cover for less exciting things like flight delays, losing a bag, dropping a laptop, and much more. Plus, cover for emergency medical and dental costs overseas and COVID-19 (yes, it’s still lurking around…), and other unforeseen expenses that crop up while you’re away.

Want to know more? Have a poke around in our Cover-More travel insurance benefits page to learn more about our cover. You can also find the full details on all the benefits and benefit amounts included in our travel insurance plans in the PDS.

Ready to choose the right plan for you? You can compare our plans now or get a quote.

How do I get a Cover-More travel insurance quote?

It’s easy and fast, promise. Just fill in the quote box at the top of our Cover-More homepage (or any page across the entire site – take your pick!) with all your trip details and hit the big orange ‘Get quote’ button.

You’ll then see the plan(s) we have that are suitable for your trip based on the details you’ve shared, plus have the chance to vary your policy with extra cover options and declare any existing medical conditions.

To make sure you get the best quote for you, use our travel insurance checklist to help you through the process.

It should be walk in the park, which is hopefully the vibe of your upcoming trip, too.

Does Cover-More have an app?

Of course we do – we're quite modern, you know – and it’s award-winning!

Our Cover-More app not only provides you with your policy in your pocket, but it also offers tips about your destination, can send you real-time safety alerts about incidents nearby as you’re travelling, and gives you tap-to-call access to our brilliant 24/7 emergency assistance team.

You can download it here. You’ll love it. (We do.)

Can I cancel my Cover-More travel insurance policy after I’ve bought it?

Absolutely! You are free to go... but do know we’ll miss you.

We offer a 21-day cooling-off period if you decide not to take us with you on your trip.

To be eligible to cancel your travel insurance policy during this period, you’ll need to still be at home (i.e. you haven’t started your trip yet) and not have made a claim or intend on making a claim.

If you want to find our more, take a peek inside the PDS.

Where can I find the Cover-More travel insurance PDS?

Great question! You can access the PDS here →

We like to think of the PDS as your travel insurance guru – it tells you everything you need to know, including what you’re covered for and what you’re not. Yes, it’s got all the information we could possibly tell you about your cover, so reading it means you ensure you’ve got the right cover for your trip before you’ve even let home.

Even though it sounds a bit dull (it is a bit), keeping it handy when you travel is also something to consider. But don’t worry – we make this easy for you. Once you’re a Cover-More customer, you’ll receive your policy details via email, but if you download our app, it’s super easy to access your policy detail and the PDS in there, too.

How can I contact Cover-More?

Whether it’s via our app, email, or phone, we'd love to hear from you.

If you’re already travelling and it’s an emergency, please contact our emergency assistance team on +61 2 8907 5619 from anywhere in the world. If you’ve got our app, open it and tap the assistance button at the bottom and follow the prompts to connect with us.

If you’re still in Australia and have a question about your Cover-More travel insurance policy, our cover, or anything that isn’t an emergency, our customer service team can help on 1300 72 88 22. If you’ve got a question about a claim, our claims team can chat to you on 1300 36 26 44. Both teams will be around to answer your call during these hours:

• Monday-Friday: 8am – 7pm AEDT
• Saturday: 9am – 4pm AEDT
• Sunday: 10am – 3pm AEDT

Does Cover-More travel insurance cover pre-existing medical conditions?

The answer is yes! We don't think a medical condition should stop you exploring the world, and neither should you.

We're rather proud of our travel insurance plans, even more so because we provide cover for many existing medical conditions in our base plans. (Our existing medical conditions cover page has lots of useful information about this – including the conditions you’ll need to meet for this cover to apply.)

Some medical conditions are a bit complex (and some travellers have more than one), which is why we have an online medical assessment that allows you to easily declare all your conditions so we can quickly tell you if we can provide you with cover.

Good to know: After you take the assessment, including cover in your policy for some conditions may mean you’re charged an extra premium, while some we can include in your policy for no additional cost. To find out, get a quote and take the assessment.

Want to learn more about our cover for medical conditions? We share all our helpful information on our existing medical conditions cover page.

How do I make a Cover-More travel insurance claim?

We’re sorry you've had a travel mishap, but the good news is this: we’ve made it super easy for you to make a travel insurance claim online using our online claims tool. It’s available 24/7, so you can submit your claim from anywhere, at any time. (Just make sure you lodge it within 60 days of arriving home!)

Our travel insurance claims page explains all the information you’ll need, including what documentation you’ll need to support your claim and when to let us know about any incident that leads to your claim. But, if you need us, we’re here to help on 1300 36 26 44.

How long do I have to lodge a Cover-More travel insurance claim?

Don’t keep it to yourself – if something goes wrong on your trip, let us know ASAP. All you need to do is fill out an online claim form within 60 days of the return date shown on your Certificate of Insurance.

Worried you might miss the 60-day deadline because you’re waiting for or missing documentation? Don’t stress – just contact our claims team on 1300 36 26 44 to let them know, and then submit the elements of your claim you do have while you’re waiting.

Got more questions? You’ll find everything you need to know about making a claim here.

How many children are allowed to travel on a Cover-More travel insurance policy?

Bring the whole gang – we don’t care! Actually, we do care – the more, the merrier.

The maximum number of accompanying children on our leisure and business policies is 10, they just have to be your own children or grandchildren and have the same itinerary as you.

Because we like to show you the ‘big print’, all the children must be:

• travelling with you
• financially dependent on you and
• not in full-time employment.

Does Cover-More travel insurance have an age limit?

What do they say, ‘You’re only as old as you feel!’? We think you’re never too old to explore the world. (Well, maybe at 100 you need to pop your feet up…)

We cover travellers up to 99 years old – right up until you get your letter from King Charles III. We value our senior travellers, and you can find out more about our travel insurance cover for seniors here.

Can I buy a Cover-More travel insurance policy if I’m already overseas?

Too busy jumping on your suitcase trying to get the zip closed to buy travel insurance? Don’t worry – you can still buy our Cover-More travel insurance once you’re on the road, but you’ll have to wait three days until your cover kicks into gear, so be good during that time!

The PDS is the font of truth and will explain all – check it out if you want to know more.

Can I edit my Cover-More travel insurance policy after I’ve bought it?

You betcha. You can make changes right up until the trip start date on your Certificate of Insurance, and you can amend details including traveller names, contact details, travel dates, your cover, and more’ (although there are a few details that are unable to be changed – sorry!).

Our Manage My Policy portal is your one-stop shop for making changes to your travel insurance policy. You’ll need to have your Certificate of Insurance and your mobile phone number handy to access it. Our FAQs will help if you need to know more.

Don’t want to change your policy details online? Not able to make the changes you want to online? Call our friendly team on 1300 72 88 22 – they can also help.

What company owns Cover-More travel insurance?

Are you sitting comfortably? Yes? Then we’ll begin…

Cover-More Group is the parent company of Cover-More travel insurance, and Cover-More Group is owned by Zurich Insurance.

Oh, and the underwriter for Cover-More Australia is Zurich Australian Insurance Limited.

Keeping up? Well, you did ask.

Why should I consider buying Cover-More travel insurance?

Ahem, shouldn’t you be asking why shouldn’t I consider buying Cover-More travel insurance?

We know we’re great at what we do, but here’s why you can feel good about travelling with us:

• We’ve taken care of more than 15 million travellers since 1986, providing them with quality travel insurance and help before, during, and after their trips
• We understand it’s important for you to feel safe and cared for while you travel so you can worry less, which is why we’re here for you 24/7
• We offer domestic, international, and inbound plans, so we can cover practically any trip and any traveller
• We provide cover for 80+ activities in our base plans so you can ditch the sun lounger to raise your heartbeat, safely
• You can access our global emergency assistance support no matter when or where you need our help. If you don’t believe us, ask Irene
• We’ve won (lots and lots of) awards
• We’re not afraid to talk about (OK, brag) about all the trips we’ve taken. We can’t stop travelling and we won’t stop travelling – it’s our passion.

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Home » Southeast Asia » Thailand » Travel Insurance

Guide To Thailand Travel Insurance – ALL You Need To Know

Oh, Thailand. The ‘Land of Smiles’, with gleaming palaces and sleek cities. A country where you can take your pick of a golden beach or temple for every day of the year. Dive deep to explore vibrant coral reefs or frolic in a mud bath with an elephant then let your hair down until the sun rises. Try your hand at Muay Thai or whip up your own Pad Thai. Did we even need to remind you about Thai food?

Thailand is as much a mecca for intrepid backpackers as it is a magnet for luxury holidaymakers – and for good reason. This tropical, friendly, and cultural destination has heaps to offer visitors. In fact, Thailand attracted a whopping 39 million tourists in 2019 alone.

But before you slide into your elephant-print pants and grab yourself a chilled Chang, there’s one more thing you need to swot up on about Thailand. What could be more riveting than a guide to Thailand travel insurance?

Month to month payments, no lock-in contracts, and no itineraries required: that’s the exact kind of insurance digital nomads and long-term traveller types need. Cover yo’ pretty little self while you live the DREAM!

Do I Need Travel Insurance For Thailand?

What should travel insurance in thailand cover, what is the best thailand travel insurance, how to choose the right thailand travel insurance for you, final thoughts on thailand travel insurance.

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Technically, no. Travel insurance is not mandatory for Thailand. A lot of backpackers in Thailand enter without it so you won’t be expected to show proof of purchase at immigration. So when you weigh up Chiang Mai treks and rooftop bars in Bangkok, you might consider shrugging off travel insurance in Thailand. But what if you have a trekking accident or end up losing your smartphone at the Sky Bar? That Bangkok travel insurance will be your new best friend.

Overall, Thailand is a pretty safe country for travellers, although it’s not without its dangers. Violence against tourists is rare, but assaults are still reported. While you are unlikely to get caught up in any political turbulence, sadly, Thailand isn’t without its unrest . As with all major traveller hubs, pickpocketing is common. There is a risk of catching a tropical disease.

And, crucially, if you’re planning on revving up a scooter, be mindful that crashes are frequent in Thailand and can be fatal. In 2018, motorbikes accounted for up to 70% of fatal crashes . Even if you’re only riding pillion, insurance for Thailand holidays can have your back.

At the end of the day, Thailand is an awesome country with so many cool things to do. We encourage all travellers to consider investing in travel insurance in Thailand. That way, you can try all the exciting things this country has to offer with peace of mind!

Need more convincing? Check out these other reasons why you should have travel insurance!

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Healthcare in Thailand

If you do get into a pickle, healthcare in Thailand is some of the best in the world; the sixth-best , to be precise. It’s so good, in fact, that Bangkok has become one of the hotspots for medical, cosmetic, and dental tourism. Not that your Bangkok travel insurance will cover you for a new nose, we’re afraid to report.

Thailand’s health service is three-tiered. Appointments are the priciest, and you can expect to be seen swiftly in the private sector, where facilities are of the highest standard. Government-funded healthcare is funded by the Ministry of Public Health. These services are reliable but can be extremely busy. Rates are lower than private healthcare. Non-profit health organisations operate to help disadvantaged Thais.

It’s worth noting that most medical practitioners in Thailand are specialists in their field, so some tourists may struggle to find a suitable doctor for minor health complaints. English-speaking medical practitioners can be found across the country, particularly in popular tourist destinations, such as major cities and the Thai islands.

Costs vary depending on the level of treatment you require and the hospital you visit. Healthcare in Thailand is significantly cheaper than in the West. All hospitals and clinics set their own fees, which will be provided on request. Typically, a Thai Doctor consultation will set you back 500 – 1000 baht ($15 – $30 ). Further fees apply for treatment, laboratory tests, and prescription medicine. Bear in mind that prescription medicine is more expensive at the hospital pharmacy. Shop locally for cheaper meds.

Travel insurance for visitors to Thailand should cover medical costs. Always check that the hospital accepts travel insurance and check that your Thailand travel insurance permits you to choose your own facility. Remember that if you plan to stray off the banana pancake trail, you might find healthcare is more basic.

Crime in Thailand

Violent crime against tourists in Thailand is very rare. Such instances are more likely to happen at night, so do be cautious when out partying or walking back to your hostel late at night, particularly if you’re on your own. Female travellers should exercise caution after drinking and late at night, as sexual assaults are more commonly reported following Full Moon Parties .

It’s not uncommon for travellers to fall victim to pickpocketing or petty theft in Thailand. Theft typically occurs when valuables are left unattended or shown off in the street as easy pickings. Thai thieves are not known for being confrontational, so muggings are rare, but they still can happen. It’s not unheard of for a sly motorcyclist to swipe a smartphone as they glide past an unsuspecting backpacker. So again, keep your valuables safe. Pick up a ‘bumbag’ at Khao San Road. You should be particularly cautious at beach bars, markets, on public transport, and in tourist-populated areas.

Back in the day, night buses in Thailand had a shady reputation for theft. Nowadays, theft is less common, but it does still happen. Keep your valuables secure on your person. Consider what the best insurance for Thailand is if you intend on travelling on overnight transport regularly. Most hotels and hostels in Thailand will have a 24-hour reception desk, CCTV, and lockers are usually provided. However, the cheapest dorms are likely to have less security.

Issues Facing Travellers in Thailand

We can harp on about the wonders of Thailand all day. But instead, we want to draw your attention to the key issues facing explorers in Thailand. Namely:

• Theft of personal goods – smartphones, laptops and expensive cameras attract the eyes of thieves. It’s also remarkably easy to drop your phone down the side of the seat during your island-hopping cruise or misplace it at a party.
• Motorbike crashes – one of the best ways to travel in Thailand is by motorbike. It’s also one of the best ways to wind up in the emergency room in Thailand. Even the most competent motorcyclist can be caught out by inclement weather or less able drivers. Before you purchase Thailand Travel Insurance, make sure you carry the right licence to cover you in the event of an accident.
• Tropical diseases – Dengue is endemic in Thailand. Usually, it can be treated in the same way you would treat the flu, but this disease can become more complicated and require hospitalisation. Trust us, a week in a Thai hospital is going to set you back way more than that $5 a night dorm bed.

When purchasing travel insurance for Thailand, we recommend checking that your policy covers all the issues above.

Common Activities in Thailand

Where can we begin! There are a number of high-octane activities to choose from in Thailand (we’re not just talking about sitting in the back of a tuk-tuk in Bangkok). Depending on what floats your boat, make sure your Thailand travel insurance covers the following activities:

• Hiring a motorbike – we’ve already said this, but to reiterate: the cheapest Thailand travel insurance may not include a clause about motorbiking. Make sure you’re covered with the correct license and check whether or not your insurance covers any damage to the vehicle.
• Trekking – whether in the mountainous north or while chasing waterfalls in one of the country’s glorious national parks , like Khao Sok, hiking in Thailand is something you should definitely try. But if you turn over on your ankle and need to hail a helicopter to the nearest emergency room, you might want to check you’re covered.
• Rock climbing – we’re looking at you, Tonsai. Tonsai Beach is renowned for its rock climbing, so if you fancy being shown the ropes, make sure your Krabi travel insurance has your back.
• Scuba diving – if you’ve got your heart set on finding Nemo, ensure that your Ko Tao travel insurance covers your underwater activities before taking that giant stride off the boat.
• And a note on full-moon parties – the backpacker rite of hedonistic passage is to attend one of these monthly shindigs. But remember, before you abandon your inhibitions (and your passport) for a dip in the moonlit ocean, thieves may be prowling along the sand. Check that your valuables are covered on your Thailand Travel Insurance.

Things go wrong on the road ALL THE TIME. Be prepared for what life throws at you.

Buy an AMK Travel Medical Kit before you head out on your next adventure – don’t be daft!

More often than not, the majority of Thailand travel insurance policies will include the following;

Emergency Accident & Sickness Medical Expenses

Luggage and personal property, emergency evacuation and repatriation, non-medical emergency evacuation, trip cancellation, trip interruption.

These are some key terms to look out for when you are comparing different insurance policies. Now, let’s take a closer look at each one of these to see what they actually mean!

Emergency Medical costs cover, is the most important aspects of most travel insurance policies. If you are involved in an accident or get very sick with a mystery illness, you want to rest easy knowing that any medical costs and hospital bills will be taken care of.

Many of you will have never seen a medical bill. Good. But let me tell you, they can get very expensive very easily. My friend was once billed $10,000 in Costa Rica. Even 2 days in a Thai hospital cost him nearly $2,000.00 ( that boy has no luck… ).

Pre-existing medical and health conditions may not be covered or may be covered for an additional premium.

Ideally, Emergency Accident & Sickness Medical insurance should offer at least $100,000.00 of coverage. Some run into the millions.

Luggage and Personal Stuff coverage covers the value of your personal property. It’s most common application is for lost luggage and However, many policies also extend this to cover “on the ground” theft which comes in useful if you are robbed once you reach your destination.

The limits on this vary between policies. However, the maximum value rarely exceeds $1000 with a maximum item value between – $250 – $500.

This is ok for many travellers. However if you travel with a lot of electrical gear (laptop & camera), or are packing ski-ing gear, you may also wish to think about taking out a separate gadget cover.

We’ve tested countless backpacks over the years, but there’s one that has always been the best and remains the best buy for adventurers: the broke backpacker-approved Osprey Aether and Ariel series.

Want more deetz on why these packs are so  damn perfect? Then read our comprehensive review for the inside scoop!

Emergency evacuation covers the cost of sending you back to your home country in a sickbed. Let’s say that the above mentioned illness is a nasty one, and the decision is taken to send you home for further treatment; this will take care of the high costs of flying you home with tubes stuck into your arms.

Repatriation is the cost of sending your body home in the unlikely event that you die on your trip. The costs of this are usually very high. Repatriation costs are not a burden I would want to leave to my family. Whilst this is thankfully rare, I do sometimes come across Facebook or “Go Fund Me” campaigns for somebody’s body to be flown home.

Non-medical Emergency Evacuation is when you have to be evacuated from your destination because of some unexpected crisis.  Examples can be outbreaks of war/civil unrest and earthquakes that decimate infrastructure such as the Nepal earthquake.

In more recent times, the Corona COVID-19 outbreak created the biggest international emergency evacuation situation ever. ( FYI – it straddled both the medical and non-medical evacuation boundaries ).

Emergency evacuation insurance covers the costs of having to book a last-minute flight home ( which can be very expensive ) and will also cover accommodation costs if you end up being flown to a random, “safe” country rather than going straight home.

Having to cancel a trip that you were psyched about is heartbreaking. However, then being left out of pocket just adds scurrilous insult to grievous injury. Trip Cancellation cover can help you recover the non-refundable costs of your trip such as flight and hotel costs.

Obviously, you can’t claim this simply because you changed your mind about the trip or broke up with your girlfriend. Legitimate cancellation reasons are things like sickness, family emergencies, bereavement, natural disaster and war – you get the gist.

Trip Interruption is when something goes wrong, or interrupts, your trip leaving you out of pocket. One example, when your pre-paid hotel burns down and you are forced to book another one. Another example is when your flight home is cancelled and you need a few extra nights at your hotel.

Anything Else? The above are what we consider to be the basic, bare-bones of travel insurance policies. However, some policies do offer a few more aspects to them. The very best Thailand travel insurance policies may also include the following;

Adventure Sports and Activities

Adventure sports and activities are not covered by all travel insurance policies. The definition of adventure sports and activities really does vary between providers but for example, can include;

• Martial Arts
• Bungee Jumping
• Scuba Diving
• Informal basketball games….

If you are even thinking about doing anything physical or outdoorsy on your trip, it is very wise to check that your insurance provider is in fact covering it. Snapped tendons tend to hurt plenty enough without having hefty medical bills attached to them.

Accidental Death and Dismemberment

This one is perhaps a bit macabre. It doesn’t cover any travel related expenses as such but instead it basically provides you (or your next of kin) with monetary compensation in the event that something happens to you. If you die, your loved ones get a payout. Or, if you lose a toe or something, YOU get a payout.

It’s kind of like having a bit of life cover attached to your travel insurance.

“ Well dear, I’m afraid there is good new and bad news. The bad news is that our beloved daughter little Jenny died on her trip to Thailand. The good news is that we get $10k! Thailand here WE come! ”

Gear and Electronics Cover

Some insurance policies cover electronic gadgets but others do not. Those that do, sometimes charge an additional fee and they also usually limit the maximum item value. If you only travel with a phone or a tablet then your travel insurer may well cover it entirely. However, if like us if you are traveling with a decent laptop and camera, then you may wish to consider obtaining gadget cover.

I have personally had separate gadget cover on my MacBook Pro for years.

A new country, a new contract, a new piece of plastic – booooring. Instead, buy an eSIM!

An eSIM works just like an app: you buy it, you download it, and BOOM! You’re connected the minute you land. It’s that easy.

Is your phone eSIM ready? Read about how e-Sims work or click below to see one of the top eSIM providers on the market and  ditch the plastic .

Whilst they may all seem the same, not all insurers are. Some insurers offer lower prices than others and others offer higher coverage amounts. Some are infamous for not paying claims whilst others are celebrated for being fair and helpful.

Travel insurers – always the same yet always different. It isn’t possible (or legal) for us to say that anyone of them is the best, or is “better” than the others. No. Insurance is a very complex product and any policy takes into account a whole lot of data and a wide set of variables.

Remember that the “best” travel insurance always depends on where you are going, when you are going there and ultimately upon you and your needs. The best travel insurer for one trip, may not be the best for a different trip.

Below, we will introduce a few of the many travel insurance providers on offer. These are all firms we have used ourselves over the years.

SafetyWing are a relatively new player in the travel insurance space but are already making big waves. They specialise in cover for digital nomads and they offer open-ended cover on a monthly subscription basis. Because they primarily cover digital nomads, they don’t offer much in the way of trip cancellation or delay so do take that into consideration.

However, SafetyWing really excels on the health side of travel insurance, covering dental and some complimentary treatments. In fact they even allow young children to be covered for free.

If cancellation and delay is not a concern for you or if you will be spending some considerable time on your trip, then maybe SafetyWing are right for you

• Emergency Accident & Sickness Medical Expenses – $250,000
• Baggage and Personal Property – $3000
• Emergency Evacuation and Repatriation – $100,000
• Non-Medical Emergency Evacuation – $10,000
• Trip Cancellation -$0
• Trip Interruption – $5000

If you need more information or want to get a quote, then you can visit the website for yourself.

World Nomads

World Nomads have been supporting and encouraging travellers to explore their boundaries since 2002. Designed by travellers for travellers, they offer simple and flexible travel insurance covering multiple countries and a lot of adventure activities.

If you leave home without travel insurance or your policy runs out, you can buy or extend while on the road.

World Nomads provides travel insurance for travelers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.

The savvy fin-tech insurer Faye provides whole-trip travel coverage and care that brings out the best in each journey with industry-leading technology that enables smarter and smoother assistance with faster claims resolutions. Their excellent app-based travel insurance covers your health, your trip and your gear all via an app that provides real-time proactive solutions, quick reimbursements and 24/7 customer support.

If you ever do need to make a claim, then you simply log in to the app and the claim will be assessed super quickly from anywhere in the world! My friend made a claim and was able to manage everything directly on the app. She was even able to purchase ‘Cancel for Any Reason’ Insurance that allows you to quite literally cancel for any reason, and be refunded up to 75% of non-refundable bookings.

Best of all, if the claim is successful then the funds will be immediately credited to the smart wallet on your phone or device and ready for you to spend.

Columbus Direct

Named after one of history’s greatest (and most divisive explorers), Columbus Direct also specialise in insuring adventure-hungry explorers like us. They have been providing award-winning insurance for 30 years. What we like about this plan is that it does cover small amounts of personal cash. However, Gadget Cover is not available.

Columbus Direct actually offers a number of different travel insurance plans. Below we have focused on 1 of these and have set out the coverage amounts for the Globetrotter plan.

• Emergency Accident & Sickness Medical Expenses – $1,000,000
• Baggage and Personal Property – $750
• Emergency Evacuation and Repatriation – $1,000,000
• Non-Medical Emergency Evacuation – $0
• Trip Cancellation -$1,000
• Trip Interruption   (“Catastophe”)  – $750

Iati Seguros

Iati Seguros is a Spanish based travel insurance company who we have personally used and loved. You will notice that they provide competitive cover amounts for the key travel insurance areas, and are competitively priced. So far we have heard nothing but good things about them.

They also offer multiple ones, but we have focused on the Standard Plan although we wholly encourage checking out all plans for yourself to identify the best one for your needs.

Standard Plan

• Emergency Accident & Sickness Medical Expenses – $200,000
• Baggage and Personal Property – $1000
• Emergency Evacuation and Repatriation – 100% of cost
• Trip Cancellation -$1,500
• Trip Interruption – 100% of cost

Insure My Equipment

Insuremyequipment.com does precisely what the name suggests. They are an online insurer for expensive equipment (like camera gear & gold clubs). You can use them to get specific pieces of gear insured but please bear in mind this policy is only for your specified gear.

An Insure My Equipment policy works well in combination with other travel insurance. Insure My Equipment policies are an excellent choice for professionals and backpackers with more $0000’s  worth of camera equipment, expensive laptops or fishing rods.

I also know a few travelling musicians and DJs who use these guys so you are in cool company.

Choosing the right travel insurance for your Thailand holiday is like choosing a pair of shoes. Only you can really say how well they fit, and how many miles you can manage in them.

To decide who the right insurer for you is, you need to add up how much your trip is worth, how much equipment you plan to take with you and what activities you intend to engage in.

You also need to ask yourself how much you can afford. This means how much you can afford to pay for cover but also how much you can afford to be out of pocket in the unlikely event of an incident. Sometimes, the cheapest Thailand travel insurance will be enough and sometimes it will be worth spending a bit more.

Hopefully the information provided in this post will help you to decide. If not, then I  guess I just wasted 7 hours of my life in writing it.

Backpacking BangkokIs Thailand Safe?

Where To Stay in Thailand

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Still awake? We know travel insurance isn’t the wildest travel topic to muse over when planning your next trip, but needs must. And in a crazy place like Thailand, it’s useful to know what to expect should a medical or emergency situation arise.

Hopefully, this guide has helped you find the most suitable – or at least the cheapest – Thailand travel insurance for your needs. Now, you can focus on researching the best Thai island and browsing (ethical) elephant sanctuaries. Once you’ve found your match with the best insurance for Thailand, check out some of our travel guides to the Land of Smiles.

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Top Travel Insurances for Thailand You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Thailand is a Southeast Asian wonder known for its beautiful beaches, vibrant nightlife, and rich cultural heritage, including its ancient temples like Angkor Wat and traditional festivals like Phi Ta Khon. Although travelling to Thailand can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Thailand and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Thailand Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Thailand:

Best Travel Insurances for Thailand

• 01. Should I get travel insurance for Thailand? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Thailand scroll down

Heading to Thailand soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
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• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Thailand?

No, there's currently no legal requirement to take out travel insurance for travel to or through Thailand.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Thailand or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Thailand:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Thailand. It lets you choose between various plans tailored to meet the specific needs of your trip to Thailand, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Thailand:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Thailand? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Thailand

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Thailand. However, we strongly encourage you to do so anyway, because the cost of healthcare in Thailand can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Travel Insurance

You have spent a lot of time planning and saving for your upcoming vacation. Your departure date will be here before you know it. However, we all know things don’t always go according to plan. What would you do if something unexpected happened before or during your trip? For instance, your flight is canceled or delayed, you experience a medical emergency, or your baggage is lost during transit?

Travel insurance can help provide a much-needed safety net if:

• You or a family member get sick the day before your departure, and you cannot travel  - Opens a dialog   
• You have a medical emergency while on your trip  
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• You miss your plane due to a car accident on the way to the airport  

These things and more can happen and a travel insurance plan can provide valuable benefits that help cover expenses when they do.

Travel with confidence knowing that your travel insurance also provides 24/7 travel and emergency assistance. You can relax and enjoy your vacation knowing that help is just a phone call away should you need assistance 1-844-246-8470.

Don’t let an unexpected event interfere with your vacation; let a travel insurance plan help protect you against the unexpected.

Please Note: To be eligible for the waiver of pre-existing medical condition exclusion, the protection plan must be purchased within 21 days from the time you make your initial trip payment. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy. For details: https://47-0351.covermore.com

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Complete Guide: The Best Travel Insurance For Thailand

by Melissa Giroux | Last updated Feb 4, 2023 | Asia , Thailand , Travel Tips

Heading to Thailand soon? Wondering if you need travel insurance in Thailand ? In this post, you’ll understand why you need travel insurance and I’ll be recommending my favorite travel insurance company.

We all heard travel nightmares and crazy things happening abroad – and Thailand is no exception. These nightmares can happen there too. To avoid these nightmares, it is recommended to travel with medical travel insurance.

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This way, you won’t have to worry about the worst-case scenario and you will get peace of mind.

Do you need travel insurance in Thailand?

The answer is yes. It’s recommended to have medical insurance when traveling to Thailand. It might not be mandatory, but to be on the safe side, you should always travel with travel insurance.

Still unsure if you can afford it or if you should get one? Let’s skip to the part where we imagine worst-case scenarios.

Worst-case scenarios

These are the common mishaps that can happen while in Thailand. You can decide for yourself if travel insurance is necessary. Note that whether I’ve heard some of my friends experiencing these things or if I read them in the news – it does happen. 

For the purpose of entertaining you, these worst-case scenarios are pushed a bit far – note that you’ve been warned. Ha!

Scooter crash

Planning your upcoming adventures? Travel by bus! (It's cheap!)

You decide to rent a scooter in Thailand and you aren’t afraid because you are an experienced driver. As you’re slowing down at the traffic light, your friend (the beginner driver) hits you and there you are – flying over your scooter. 

Zip-lining accident

Have you heard of the fatal accidents that happened at the famous Gibbon experience? To be clear – the Gibbon experience is in Laos – but still, these things can happen when the adventure activities aren’t well maintained.

Trekking accident

Did you decide to go climb that famous waterfall not too far from Chiang Mai ? Climbing a waterfall sounds epic… but what if the climb comes with a fall? Add a few leeches in there – you might not die, but it might not be that fun.

Food poisoning

Ever heard of the phenomenon called the Thai Tummy? So, as you are walking around the street market, you decide to grab a chicken satay when… you first get cramps, the fever hits you and there you are running for that first toilet.  Food poisoning in Thailand is a pretty common thing – at some point, it could definitely hit you.

You decide to go for a snorkeling trip around the Thai Islands – because you read my blog post about Koh Lanta . As you jump into the water, you come face to face with a big jellyfish. It’s too late, you got stung already.

Dengue Fever

After driving to Pai , you finally have to relax in one of the most chill towns in Thailand. You sit down while enjoying the rice field views. Damn. This mosquito just bit you during the day. You should have used mosquito spray. Let’s hope, this tiny monster wasn’t carrying Dengue. Oops. Unless it did.

Best-case scenario

Now, this is the part where I reassure you. You might wonder if it’s a good idea to head to Thailand , and yes – I’m telling you – Thailand is one of my favorite countries. That said, it’s probably too late to cancel this flight of yours (unless, you actually had travel insurance, ha).

No kidding – Thailand is a beautiful country – and you should go. With all these scenarios in mind, you should know by now that it’s safer to travel with medical insurance.

You might not use it – but it’s better to be safe than sorry.

When should you buy travel insurance?

Usually, it’s recommended to buy travel insurance before you leave. Although, some insurance companies allow you to buy it when you’re abroad.

SafetyWing is one of them. Keep reading to learn more about this company.

SafetyWing offers travel medical insurance for people all over the world. It’s one of the most affordable insurances out there – with plans that start at $45.08 for 4 weeks. You can see the prices here .

SafetyWing is a good option, especially for digital nomads or long-term travelers. You can read this comparison for long-term travel insurance here . 

Read our complete SafetyWing review to learn more.

What’s included?

Medical Insurance

They cover you if you’re sick or if you are in an accident outside your home country. Of course, you have to respect the conditions and the exclusions to be able to claim your insurance.

Travel Insurance

You are also covered for travel delay, lost checked luggage, natural disasters, emergency response, and personal liability.

Go To SafetyWing

Final Thoughts About Thailand Travel Insurance

Traveling to Thailand can be a great experience, but it’s essential to have the right insurance in case of an emergency. In this article, we’ve outlined what you need to know about travel insurance for Thailand and how to choose the best policy for your needs.

So, whether you’re traveling for business or pleasure, make sure you have adequate insurance coverage before hitting the road.

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Why do I need travel insurance in Thailand?

• It can cover you for emergency medical treatment.
• It can cover medical expenses caused by injuries and accidents, unless it's from an excluded activity.
• It can pay for transport to hospital by helicopter or ambulance, as well as medical evacuations back to Australia.
• If you're renting a car in Thailand, make sure you have car rental excess cover.
• Travelling in a foreign country may put your valuables at risk and travel insurance can cover you for lost or stolen items.
• Terrorism is a risk in Thailand. A few insurers provide cover for medical and hospital expenses caused by an act of terrorism, including the cost of bringing you back home.

Looking for the best travel insurance for Thailand? Check out our award winners in 2023

Tick travel insurance has ranked first place for customer satisfaction in 2023 .

This survey was conducted by Dynata, where 95% of respondents said they would recommend Tick to a friend, and it scored the highest in the 'value for money' category.

Southern Cross Travel Insurance has taken the top position in the 'Travel insurance - Comprehensive' category for the 2023 Finder Awards . Why? It's got to do with its wide COVID-19 coverage and how it handles cancellations due to unexpected events.

Adding to that, its average pricing was pretty affordable compared to other brands who offer less coverage for a higher price.

Fast Cover is the winner of the 2023 Finder Awards for the 'Travel insurance - Value' category. How? We compared the average prices of 28 international travel insurance policies, and Fast Cover came out on top.

But what does ' value' mean? It means we looked at more than just price. Fast Cover doesn't include everything on its policies, but it offers good value.

InsureandGo has taken the top place for the 'Travel insurance - Domestic' category in the 2023 Finder Awards .

Why? We analysed 23 domestic policies and found that InsureandGo were generous with their benefit limits for things like cancellation and rental car excess insurance.

Southern Cross Travel Insurance is the winner of the 'Travel insurance - Seniors' category in the 2023 Finder Awards . Why? It has higher age limits and generous benefits.

We also appreciated SCTI's easy-to-read product disclosure statement. This means that customers can easily understand their policies, and travel with confidence.

Fast Cover Travel Insurance's COVID-19 Benefits & Refund Policy earned it a place among the finalists in the Insurance Innovation category of this year's Finder Innovation Awards .

It goes further than many other insurers, covering COVID medical expenses and evacuation, up to $5,000 for COVID-related cancellations and additional expenses.

Thailand travel insurance: Common exclusions

Every travel insurance policy has things you won't be covered for. Common exclusions include:

• If you purchase cover after the incident has occurred. For example, if you take cover out after you've been injured and need medical attention.
• Pre-existing medical conditions. If you have any major medical conditions, make sure you let your insurer know before taking out a policy. Otherwise you won't be covered for claims related to that condition.
• You travel despite government travel advice. For example, if you travel to areas that have a warning from Smartraveller, travel insurance may not cover you.
• Incidents that occur while you're under the influence of drugs or alcohol. For example, if you go out drinking in Bangkok, get injured and need medical attention, travel insurance won't cover you.
• Driving vehicles without a licence. Like Australia, you won't be covered for medical costs or personal liability expenses if you drive without a licence in Thailand.

What add-ons should I look for?

• If you have plans to zoom around Thailand on a scooter or motorbike, make sure to have the right license, and the right policy.
• Watersports like snorkelling, jet skiing and para-sailing are popular activities in Thailand. Make sure to add the right cover to your travel insurance.
• Travellers often go to Thailand for volunteer work where you can help build communities or even animal conservation. Make sure to take out the right policy to be covered for this.

Will I be covered for COVID-19?

Travel insurance can cover you for COVID-19 in Thailand. A policy can cover you for the following:

• Rearrangement costs if you catch the virus and need to change your plans. Lots of comprehensive travel insurance policies let you claim up to $5,000 towards these expenses.
• Medical costs due to COVID-19. This can include hospital expenses and RATs if you catch COVID-19 while overseas (but you won't be covered for mandatory PCRs).
• Expenses if you need to isolate. For example, if you catch COVID while you're overseas and need to push back your flight and stay in your accommodation longer.

How do I get cheap travel insurance for Thailand?

• Medical only or basic policies will generally be the cheaper policies on the market.
• Use exclusive deals or promo codes to get a discount.
• Opt for a higher excess. This will make your policy cheaper but more expensive if you have to claim.
• Compare across a handful of travel insurers – they're not all the same.
• Get the most value by buying your policy early. It means you're covered for longer while paying the same price.

When I travel, I don't want to fork out a lot for travel insurance. I always get something above the bare minimum though which usually only covers medical-only expenses. Flight disruptions and delayed luggage are really common, so look for a cheap policy that covers me for these things.

Gary Ross Hunter Finder's travel insurance senior writer

What do I do in emergencies?

For emergencies: call 191 or 911 (police), 1669 (ambulance) or 199 (fire).

In a medical emergency, call for help and then contact your insurer on their emergency assistance line.

Civil unrest, security risks, threat of terrorist attack and crime are a concern in Thailand, but you should still be eligible for travel insurance. It won't cover all of these situations but it can help cover medical costs, stolen belongings and much much more.

Meet our travel expert Angus Kidman

Angus Kidman is the international editor-at-large at Finder. He's an award-winning journalist, avid travel enthusiast and passionate frequent flyer. Angus appears regularly on Sunrise, Today, The Project, Seven News and other TV and radio shows to share his expert tips.

Angus's top Thailand travel insurance tips

• Suvarnabhumi Airport is busy and delays are common. Comprehensive travel insurance can help if there are major disruptions.
• Take out insurance as soon as you book your trip - that maximises the value of your cover.
• Drinking is cheap in Thailand, but injuries caused after drinking generally won't be covered by insurance, so exercise some restraint.

Why you can trust Finder's travel insurance experts

FAQs about Thailand

Which travel insurance is good for thailand.

The cheapest policy will usually only cover you for medical expenses. However, flight disruptions and petty crime are fairly common in Thailand so it may be worth getting comprehensive travel insurance. This can cover you for medical expenses, trip rearrangement costs, theft, luggage delay and more.

Do you need travel insurance to go to Thailand?

The Australian government's smartraveller site recommends that you take out cover when travelling to Thailand. If you can't afford travel insurance, you can't afford to travel.

Which travel insurance company has COVID cover for Thailand?

Lots of travel insurers cover COVID-related expenses now. You can find a full table of the policies that cover COVID expenses on our homepage .

Is it safe to travel to Thailand?

The Australian government smartraveller website says to exercise a high degree of caution in Thailand. You should still be able to get travel insurance for Thailand but make sure you do some research before you travel. There may be certain areas of the country that are not safe.

Gary Ross Hunter

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

James Martin

James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, WIN News, Insurance News, 7NEWS and The Guardian. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

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TechBullion

An essential guide to buying travel insurance for thailand from india.

Think about wandering through the crowded streets of Thailand, laying on the sand of some of the most beautiful beaches in the world in Phuket, or simply walking around the historical temples of Chiang Mai.

Thailand is a country of discovery and fun, but what if the unexpected happens?

You can easily lose your flight from Bangkok and get busy chasing it, or you could get pickpocketed while partying at night. Or, indeed, you may get an advanced ailment when you want to sunbathe on the shores.

Do not worry; here is what is included in travel insurance for Thailand.

With international travel insurance , you do not have to worry about hitches during your much-deserved dream vacation. It’s now time to look at the specifics of Thailand travel insurance.

The Rationale for Buying a Travel Insurance Policy while Planning a Vacation to Thailand

Accidents are bound to occur anywhere, perhaps more so when you are far from home. Here is how travel insurance for Thailand can prove to be advantageous:

• Unplanned Moments Coverage: If you are travelling to Thailand with your friends or family, valid travel insurance will help you in case of any unforeseen incidents, such as passport loss, personal accidents, pocket pick-up, or any other mishap.
• Medical Expenses: Medical intervention and care in Thailand can only be accessed and received when a doctor prescribes it, including conditions like the flu. Since travel insurance covers medical expenses, it can provide a great shield to your pocket.
• Extra Benefits: The new deal offers additional features to basic travel insurance, including a daily cash allowance, carrier delay benefit, emergency cash benefit, and many others. These perks ensure that an employee’s vacation or even work-related trip will be stress-free.

Therefore, international travel insurance raises the brow stress-free for your vacation or business trip to Thailand.

Features to Look Out for While Choosing Thailand Travel Insurance

Here are some essential features to expect from your travel insurer for comprehensive coverage:

• Zero Hassle Claims: This ensures you have no more stress about various unpredictable and, frankly, spontaneous costs. The sampled policy for a reputable travel insurer is rather comprehensive and has no deductibles on covered claims.
• Coverage for Adventure Activities: If you prefer extreme activities, many travel insurance companies offer an option to purchase an upgrade for activities such as scuba diving, bungee jumping, and zip lining.
• Coverage for Flight Delays: Your flight can often be delayed, which can be frustrating. However, you will be surprised to know that insurance companies can also compensate for the flight delay if the delay is for more than 6 hours.
• 100% Online Process: Paperwork will disappear in 2024. Some features of travel insurance include the insurers’ ability to allow clients to upload documents from their phones when claiming.
• Missed Call Facility: This important service helps reduce on-call tariffs when in another country. If your travel insurance company provides this facility, they will dial back the caller within 10 minutes of a missed call.
• Global Support Network: Travelling with confidence is a privilege. Insurance providers are affiliated with globally recognised firms such as Allianz, and they guarantee appropriate assistance worldwide.

Goods and Services Covered by Thailand Travel Insurance Policy

Understanding what is contained in any policy is essential to avoid nasty shocks. Here’s a brief overview of typical inclusions:

• Lost Luggage or Delayed Check-ins: It compensates you for lost bags or check-ins that take much longer than they should so that you are not out of pocket for essentials.
• Lost Passport: Losing a passport while in another country is always a misfortune and stress. Travel insurance includes the expenses of applying for a new one, enabling a traveller to concentrate on recovery.
• Trip Disruptions: There aren’t many instances in which people don’t experience disturbances while they are in transit. For such coverage, it is recommended that you review the policy document to become well acquainted with its offerings.

Different Bangkok Tourist Visa for Indians

Any Indian intending to take a vacation, attend a social/official event, or receive medical treatment in Thailand must have a Thailand visa from India . Foreigners travelling for business purposes require a business visa.

According to Thailand’s present standards, the maximum validity for a tourist visa for Indians is usually 60 days, with an option of a further 30-day extension.

In essence, these are a few key points to consider before purchasing travel insurance for your trip to Thailand. Always read the policy terms carefully to ensure maximum coverage and a worry-free travel experience. With the right travel insurance, you can immerse yourself in the beauty and excitement of Thailand without any stress.

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Expat Health Insurance 101: Navigating the World of Coverage for a Life Overseas

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Table of Contents

Why expat health insurance matters .

Understanding expat health insurance

Expat health insurance is designed to provide coverage for individuals living outside their home country for an extended period. Unlike typical travel insurance, which caters to short-term trips, expat health insurance plans offer long-term solutions that meet the unique needs of expats.

Tip: Learn more about the differences between international health insurance and travel insurance .

Types of cover in expat health insurance

1. comprehensive medical insurance cover, 2. medical evacuation and repatriation plans, 3. coverage for pre-existing medical conditions, how to choose the right expat health insurance plan, 1. medical history: , 2. insurance companies: , 3. plans including specific coverage:, 4. long term coverage:, 5. international health insurance cover:, best practices for managing your expat health insurance, 1. regularly review your coverage, 2. understand local healthcare systems, 3. keep emergency contacts handy, related articles.

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