best travel health insurance for thailand

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• Travel Insurance for Thailand

On This Page

• Key takeaways

Do I need travel insurance to visit Thailand?

Our top picks for the best thailand travel insurance, thailand travel information & requirements, why thailand travel insurance is important, what does travel insurance for thailand cover, what isn’t covered by travel insurance for thailand, how much does travel insurance for thailand cost, tips for getting the best thailand travel insurance, faq: travel insurance for thailand, related topics.

Travel Insurance for Thailand: US Visitor Requirements & Tips

• U.S. health insurance is typically not accepted in Thailand , so it’s a good idea to purchase travel medical insurance for your trip.
• Based on our research, our top picks for travel insurance for a trip to Thailand come fro m Tin Leg, Seven Corners, and John Hancock.
• Comprehensive travel insurance policies will usually cover medical emergencies and evacuation, trip delays, cancellations and interruptions, and lost or stolen baggage.
• Travel insurance can cost as little as around $1 per day for the most basic medical and medical evacuation coverage.
• To find the best travel insurance for your trip to Thailand, try using an online comparison tool . This way, you get multiple quotes and compare all your coverage options to find the best deal.

Our top picks for the best travel insurance for thailand

• Tin Leg: Best Rated Travel Isurance
• Seven Corners: Best Value for Medical Emergencies
• John Hancock Insurance Agency, Inc.: Best plan for a Solid Coverage

Seven Corners

John hancock insurance agency, inc..

You are not legally required to have travel insurance to visit Thailand, but it’s advised so you have the protection and support you need in case of illness, injury, theft or other travel hiccups.

Below are some risks that could make getting travel insurance worthwhile for your trip to Thailand.

Best Rated Travel Isurance

Why we like it.

• Excellent primary coverage for medical expenses
• High limit for emergency evacuation coverage
• Optional cancel for any reason (CFAR) coverage available
• Comes with coverage for hurricanes and inclement weather
• Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
• Baggage delay coverage requires a 24-hour waiting period
• Low coverage limits for baggage and personal effects

Best Value for Medical Emergencies

• Offers coverage for pre-existing conditions
• Money-back guarantee
• Cancellation & Interruption coverage standard
• Covers action sports & equipment
• Cancel for any reason not included standard
• Must meet waiver for pre-existing conditions to be covered

Best plan for a Solid Coverage

• Travel delay coverage kicks in after just three hours
• Generous coverage for emergency evacuation and repatriation of remains
• Optional CFAR upgrade available
• Baggage insurance comes with generous limits of up to $2,500
• Terror attack coverage included
• Baggage delay coverage requires a 12-hour waiting period

Are there COVID-19 restrictions for U.S. tourists?

As of January 2024, there are no COVID-19 restrictions in place for U.S. tourists hoping to visit Thailand.

Do I need a visa or passport to travel to Thailand?

You only need a visa to travel to Thailand if you intend to stay longer than 30 days . Short-term stays that fall under that threshold do not require a visa. You do need a passport to enter the country, and it’s recommended your passport be valid for at least six months past your intended entry date to avoid being turned away at the border/customs.

Is it safe to visit Thailand?

According to the latest updates from the U.S. Department of State, it’s safe to travel to most parts of Thailand . The DOS puts  Thailand’s overall threat rating at Level 1, which means you should exercise normal precautions. That said, there is civil unrest and a higher risk of violence in the provinces of Yala, Pattani, Narathiwat, and Songkhla, which the U.S. DOS has put at Level 3 (reconsider travel).

When is the best time to visit Thailand?

Thailand is beautiful year-round. November through March marks the dry months, following the wet season from May through October.  If you’re sensitive to heat, consider avoiding Thailand in April . That’s the country’s hottest month, and temperatures then regularly hit 105° F (40° C).

Risk of insect-borne diseases

Mosquitos are prevalent in Thailand, and they can transmit diseases like malaria, dengue fever, chikungunya, Japanese encephalitis, filariasis and Zika. Using insect repellents and mosquito nets, avoiding affected areas and taking prophylactic medications can help prevent infection. But if you do get sick, travel insurance could make all the difference in getting care fast.

Extreme weather conditions

Thailand is a beautiful country full of waterfront vistas and lush, tropical forests, but it’s also situated in a geographic area that’s prone to floods, earthquakes and tsunamis, similar to visiting Japan . Travel insurance policies that include trip cancellation protection and emergency evacuation clauses can protect you financially if your trip is canceled or you need to get out of the country ASAP because of a natural disaster.

Petty theft and pickpockets 

Petty theft, including pick-pocketing, is a concern in many tourist areas throughout the world, and Thailand’s major cities of Bangkok and Chiang Mai are no exception. Certain travel insurance policies also include reimbursement for stolen goods, such as a wallet that was snatched during a pick-pocketing event or travel documents that disappeared when your luggage vanished at the airport.

Travel insurance policies can differ greatly depending on the insurer and other factors, such as the size of the deductible or the provider you choose.

Consider these types of coverage when purchasing travel insurance for your trip to Thailand.

Trip cancellation insurance

If you need to cancel your trip to Thailand for a covered reason, trip cancellation insurance can reimburse you for pre-paid travel expenses that are non-refundable.

It’s important to note, though, t hat trip cancellation insurance is far from universal . If you just decide you don’t feel like going to Thailand anymore or your boss refuses to give you the time off, your cancellation clause may not apply. Some medical conditions, like pregnancy , are also not covered as a covered reason for cancellation. 

Read the fine print carefully to see what’s covered and what isn’t, and consider a CFAR (cancel for any reason) policy if you have additional concerns. With this type of coverage, you can cancel your travel plans for any reason at all and get back around 50% to 70% of your prepaid travel expenses.

Trip delay insurance

Chances are you don’t have a direct flight from your hometown to Thailand. Most people will have to grab one, if not two or three, connecting flights, and that means more layovers and more opportunities for your schedule to go awry. If your flight is delayed and you miss a connection, trip delay insurance kicks in to cover your expenses while you’re stuck in an airport or intermediary city.

Most delay policies have a grace period before they kick in, so you may have to wait 6 or 12 hours before you get reimbursement for delay-related expenses. But once that period has passed, you can make a claim for things like temporary accommodations and food plus the cost of anything you’re missing out on in Thailand while you navigate the delay.

Trip interruption insurance

Trip interruption insurance is like trip cancellation and delay policies except that it applies to a trip that’s already in progress but has to be cut short . Imagine you’re already in Thailand when you get a call about an emergency back home. You have another week of hotel, car and entertainment costs you’ve already paid for, but now you need to return home early.

Your trip interruption insurance could cover those costs so you can go home worry-free, but your reason for flying out ASAP needs to be an emergency covered by your policy (e.g., illness or death in the family, terrorism at your travel destination, etc.).

Travel medical insurance

It’s extremely doubtful your U.S. health insurance company offers any coverage while you’re abroad, so travel medical insurance is crucial . Look for policies that cover medical expenses related to both illnesses and accidents, so you’re taken care of whether you contract the common cold or need an ambulance ride after you slip and fall at the Temple of Dawn.

Medical evacuation insurance

If you become sick or are hurt beyond what a local hospital or doctor’s office can handle, you may need to be moved to another country where trauma care is more readily available. Medical evacuation insurance goes beyond medical expenses to cover transportation, like Medevac rides to get you to an advanced facility as soon as possible.

Insurance for personal items

Some travel insurance companies offer coverage that includes replacing or reimbursing you for baggage and personal items that are lost and stolen. This is a good thing to have in areas where petty theft is common, but there are always exceptions. You will likely need to file a police report to turn into your insurance company when you file a claim, and there are typically caps on how much your policy will cover.

Rental car coverage

Rental car coverage is not automatically included in Thai travel insurance, so you’ll need to ask your insurance company or consider an add-on policy. Read the fine print to see what’s covered. Collision, theft and damage due to a natural disaster are all possibilities but may not all be covered.

The most common travel insurance exclusions are cancellations or trip interruptions caused by what insurance companies call “known or foreseeable events.” That might be something like wanting to cut your trip short because you don’t like all the bugs in Thailand or bailing on the trip altogether because you heard it’s been raining really hard.

Other things that may not be covered include:

• Endemics and pandemics (some companies have or had temporary COVID-19 policies )
• Cancellations due to poor paperwork or malfeasance, such as if you’re detained at customs or tried to travel with a soon-to-expire passport
• Medical expenses or repatriation needs resulting from a risky activity (e.g., cliff diving or hot air ballooning with a non-licensed company) or due to a pre-existing condition.

Travel insurance can cost as little as around $1 per day for the most basic medical and medical evacuation coverage . For a more comprehensive policy, you can expect to pay around $7 to $11 per day.

To give you a better idea of how much travel insurance will cost for a trip to Thailand, we got price quotes from some popular travel insurance providers.

We applied these details to our quotes:

• Age: 35 years old
• Destination: Thailand
• Trip Length: 7 days
• Trip cost: $2,000

We’ve displayed our price quotes for basic travel insurance coverage in the table below. These plans range from less than $1 per day to $6 per day.

Example Where Plan Doesn’t Reimburse the Full Trip Cost

A more comprehensive travel insurance policy that covers trip cancellation and trip interruption will be a bit more expensive. Our quotes from the same providers show that this type of protection costs around $7 to $11 per day.

Example Where Plan Does Reimburse the Full Trip Cost

Keep in mind that the final cost of your Thailand travel insurance will depend on a variety of factors, including the following:

• The amount of coverage you need
• How long you’re traveling for

To get the best Thailand travel insurance, think about when you’re going, how you’ll get there and when you want to buy your policy.  

Then, follow these tips:

• If you travel often, consider an annual multi-trip policy and you could save by bundling.
• Get lower premiums by increasing the excess/amount you’ll pay if you do need to make a claim.
• Get quotes for a Thailand-specific policy rather than one that covers all of Asia.
• For longer stays, look at extended-stay insurance or backpacker policies.

Do I really need travel insurance for Thailand?

Travel insurance for Thailand is not legally required, but a policy is recommended so you can protect yourself against everything from a canceled or delayed trip to catching the flu or dengue fever during your visit.

Is health insurance still required in Thailand?

Health insurance was required for visitors to Thailand during the height of the COVID-19 pandemic, but that policy is no longer in place.

What is the best health insurance in Thailand for foreigners?

The best health insurance in Thailand for foreigners is the policy that offers the best coverage for your specific needs, health history, length of stay and the level of risk associated with your health or the type of activities you have planned. Try using our online comparison tool to find the best travel insurance policy for you.

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Thailand arrival & survival guide

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The best travel insurance providers for Thailand trips in 2024

Congratulations on even making it to this page!

We get it, buying insurance for a trip is the single worst part of the planning process, but it’s also one of the most important.

You’ve already got the hardest part out of the way — sitting down to do it — the rest of it is usually much easier than you anticipate.

If you just want to know where to go to purchase solid coverage, we recommend SafetyWing because their pricing is competitive, and unlike other sites, they are upfront about what activities are covered and which are not. Their basic policy includes coverage for motorbikes which can be difficult to find.

Important: SafetyWing advertises itself as “Nomad Insurance” targeted at digital nomads and remote workers. They work on a monthly subscription model by default, but if you have a trip with start and end dates just tick the “specific travel dates” box and you’ll be buying traditional travel insurance.

Get a quote

Get a quote quickly here, or keep reading to find out why we recommend SafetyWing and details on coverage for motorbikes, adventure sports, Muay Thai etc.

Why you need insurance

Since you’re already on this page, you probably know why you need insurance. You most likely won’t use it, but if you have to, you’ll be very glad you have it. That’s pretty much the point of insurance.

Millions of people travel around Thailand every year with no travel or health insurance, and most of them get away with it. But thousands of people also get stuck with huge medical bills leaving them begging family at home for money, or turning to sites like Go Fund Me to raise cash.

In some cases, not having insurance coverage costs people their lives. The private hospitals that provide the best care in Thailand are businesses. If you are in an accident, you can expect a basic level of care, but the reality is that major emergency surgeries and medical evacuations are reserved for people who can pay for them.

In 15 years of traveling in Thailand, I’ve met dozens of people who were at a minimum saved from massive medical bills by having insurance.

My friend Gavin even owes his life to having travel medical insurance. He had a motorbike accident in a rural area in Northeastern Thailand. It was only for his insurance which got him an emergency evacuation to Bangkok that he is still alive today.

Insurance is not that expensive. Just think of it as a necessary expense of your trip, no different than your flight or hotels. You pay for it up front, then it’s out of sight, with peace of mind.

Important: You may already have travel insurance coverage. If you have private health insurance in your home country, they may provide enough medical cover for your trip. Certain credit cards also provide some medical coverage, and many of them give trip cancellation coverage when you book with that card. Your home or renters insurance might also cover your belongings while on the road. Check your policy guide, or give them a call to see if you are already covered.

What coverage do you need?

There are a lot of different types of insurance that cover different things, but in general, travel insurance can cover:

• Medical emergencies
• Medical evacuation
• More minor health issues
• Trip cancellations
• Loss or damage of your personal belongings while traveling

The first two are by far the most important. You can probably do without the others, but having coverage for medical emergencies and evacuations is crucial. SafetyWing policies do include some coverage for delay and cancellations, and loss or damage of personal belongings.

If you want to shop around we like the site SquareMouth which aggregates policies from a number of different providers. Depending on your personal needs you may find a better option that from SafetyWing. It’s harder to tell what adventure sports/motorbike exclusions there are with these policies though which is why we personally avoid them.

Note: If you are an American, it’s pretty easy to get good insurance coverage for your belongings, and for trip delays and cancellations through a good credit card. Check out our guide to the best credit card for traveling abroad to learn more.

Our top provider recommendation

We’ve spent more hours than we’d like to admit browsing dozens of travel insurance aggregation websites trying to find the best one (or the least bad one). We’ve concluded that SafetyWing is the easiest site to use to shop around for a travel insurance quote.

Enter in just a few personal details like your age and home country or US State, and where you plan to travel, and within a minute you can have the most competitive plans listed. Use the filters to set minimum coverage amounts to make sure you have good enough coverage.

Insurance coverage for motorcycles and adventure sports in Thailand

It can be really difficult to find coverage for motorbikes, and even when you think you may have it, a lot of providers use fine print to make it diffcult to actually tell. That’s why we recommend SafetyWing . They are totally upfront about what they cover.

SafetyWing offers their basic policy which includes motorbike coverage, but certain other common activities travelers to Thailand might want to do are excluded unless you add on adventure sports coverage (currently $10 per month for travelers under 40.

Some of these excluded activities include Muay Thai and all boxing and martial arts, cave diving, dirt bikes and ATVs, kitesurfing, and whitewater rafting.

Your motorcycle coverage will only work if you have a valid motorcycle license in your home country and carry an international driver’s permit with it (or you have a Thai motorcycle license ). You must also be following all laws at the time of any accident, so you have to wear a helmet and not be intoxicated.

Better safe than sorry

It’s fairly unlikely you’ll need to use your insurance, but if you do, you will be glad you have it. It might save you tens or even hundreds of thousands of dollars, and a huge amount of stress and aggravation. It might even save your life. It’s worth it, get it.

Important: Final note: Sadly, all insurance providers kind of suck and will sometimes try to weasel out of paying a claim, or hide exclusions in the fine print. We cannot take responsibility for any info in this guide being 100% true all of the time since ultimately the only thing that is legally binding is the policy contract. Also, we are experienced travelers, not lawyers or insurance experts. Be sure to do your due dilligence and read through any policy. Buying from a reputable insurer is a good idea too since some are definitely better than others. SquareMouth shows the ratings of each provider right on the search page which we find useful.

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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.

Ready To Travel? Don't Go Without Travel Insurance.

Check Prices

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.

Traveling soon? Read one of the following guides:

• iVisa review
• SIM or eSIMs
• Holafly review

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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.

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.

Talk about efficient and effective, Heymondo are up-to-date when it comes to combining travel insurance with technology in the digital world of 2022. What truly sets them apart is their assistance app offering a 24-hour medical chat, free emergency assistance calls and incident management. How reassuring is that?! They also have a convenient and complication-free way to make a claim straight from your phone.

Medical expenses are covered up to $10,000,000 USD so try not to damage yourself anything over that amount… If you’d like travel insurance that operates with that little extra swiftness and ease, give these guys a go. They offer multiple options – single trip, annual multi-trip and long stay. We’ve focused on single trip, but do check out the others and find what fits your next adventure.

• Emergency Accident & Sickness Medical/Dental Expenses –$10,000,000 USD
• Baggage and Personal Property – $2,500 USD
• Repatriation and Early Return – $500,000 USD
• Non-Medical Emergency Evacuation – $10,000 USD
• Trip Cancellation – $7,000 USD
• Trip Disruption – $1,500 USD
• Covid 19 coverage included in all plans

If you need more convincing, click the link below to get 5% off your Heymondo travel insurance plan!

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

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.

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

Is Thailand Expensive?

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.

And for transparency’s sake, please know that some of the links in our content are affiliate links . That means that if you book your accommodation, buy your gear, or sort your insurance through our link, we earn a small commission (at no extra cost to you). That said, we only link to the gear we trust and never recommend services we don’t believe are up to scratch. Again, thank you!

Aiden Freeborn

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Travel Insurance for holidays in Thailand

Travel insurance for thailand.

Welcome to Thailand, a gem packed with both nature’s wonders and incredible human creations. The nation draws millions of tourists each year to explore its temple ruins, visit elephant sanctuaries and enjoy tropical beaches. If you’re itching to book your next adventure to Thailand, don’t forget one critical thing first: travel insurance ! In this article, we’ll cover what you need to know about travel insurance for Thailand.

• What should your Travel insurance cover for a trip to Thailand? 

How does Travel Insurance for Thailand Work?

• Do I need Travel Insurance for Thailand? 
• How much does Travel Insurance cost for Thailand? 
• Our Suggested AXA Travel Protection Plan
• What types of medical coverage does AXA Travel Protection plans offer?
• Are There Any COVID-19 Restrictions for Travelers to Thailand?
• Traveling with pre-existing Medical Conditions? 

What should your Travel Insurance cover for a trip to Thailand?

At a minimum, your travel insurance to Thailand should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Thailand.

Imagine this: you’re exploring the night markets of Patpong, trying new foods and exotic tastes that Thailand has to offer. Suddenly, you feel queasy and uneasy, the snacks you have been snacking on seem to have been spoiled and you’re feeling ill. With AXA Travel Protection, we could help assist or guide you to the nearest hospital. Whether the situation goes from bad to worse, AXA is there to help you create a plan of action. Here’s how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits:

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Additional Optional Travel Benefits:  

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I need Travel Insurance for Thailand?

So, do you need travel insurance for Thailand? The short answer is no. Since the end of the COVID-19 pandemic, Thailand has dropped its requirement for travelers to have insurance for entry. However, it’s still highly recommended that you have a plan before embarking on your next trip.  

Medical Emergencies: Your health is a top priority. If you face a sudden illness or injury in Thailand, travel insurance offers the means to receive prompt and quality medical care.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Flight Delays:  Travel disruptions like flight delays can happen. If you miss a connecting flight or incur additional expenses due to delays, travel insurance can help cover the costs.

How much does Travel Insurance cost for Thailand?

In general, travel insurance to Thailand costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Thailand will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Thailand hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses. The Platinum Plan is your go-to choice if you're looking for extra coverage for Thailand’s experience. "Cancel for Any Reason" offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Thailand's stunning landscapes in a rental car.

What types of medical coverage do AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

• Emergency Medical
• Emergency evacuation & repatriation 
• Non-medical emergency evacuation & repatriation 

Emergency Medical: Unexpected incidents that arise, such as broken bones, burns, unexpected illnesses and allergic reactions.

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Non-Medical Emergency Evacuation and Repatriation:  This can cover evacuation assistance when you need to leave a destination immediately for non-medical-related events. These could be things like natural disasters or civil unrest.

Are there any COVID-19 restrictions for Travelers to Thailand?

No. Thailand has dropped all COVID-19 restrictions for travelers from the United States.  

Traveling with pre-existing Medical Conditions?

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip. Our Gold  and Platinum Plans offer coverage for pre-existing medical conditions. The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, What does this mean for you? If you've got a medical condition hanging around, you can qualify for coverage under our Gold and Platinum plan with a preexisting medical condition, so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to make sure you travel with ease, no matter your health situation.

1. Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked. It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

2. Do Americans need travel insurance in Thailand?

No, travel insurance is not currently required to visit Thailand.

3. What is needed to visit Thailand from the USA?

If you're visiting Thailand from the USA, all you need is your passport. Your passport needs to be valid at least six months beyond the date of your arrival.

4. What happens if a tourist gets sick in Thailand?

If you become sick in Thailand, travelers with AXA Travel protection can contact the AXA Assistance hotline at  855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Travel Insurance for a Thailand Vacation (2024)

Travel insurance is affordable and can reduce sunken costs if you can’t make it to Thailand as expected.

Josh Lew is a travel journalist and writer based in the midwestern U.S. He has been active for the past decade, covering airlines, international destinations and ecotourism for sites like TravelPulse and TreeHugger. He currently contributes to content writing agency World Words.

Sabrina Lopez is an editor with over six years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she is not working on articles to help consumers make informed decisions, Sabrina enjoys creative writing and spending time with her family and their two parrots.

Thailand is one of the world’s most popular travel destinations, with tourism authorities predicting 25 million visitors in 2023. In this Southeast Asian country, you will find sound infrastructure, many attraction choices, and, for U.S. citizens, 30-day stays without a tourist visa.

Whether you travel to Bangkok, Pattaya, Phuket, Chiang Mai or elsewhere in the Land of Smiles, Thailand can be expensive. Travel insurance coverage can help you protect your investment and cover the cost of medical emergencies.

Most importantly, travel insurance gives you the peace of mind to enjoy a stress-free Thailand trip. With the right coverage choices, you can avoid the sunken costs from a canceled vacation or the expenses of a medical emergency or illness. Here is a look at the details you need to know about choosing the best travel insurance for Thailand.

Compare Thailand Travel Insurance Companies

Use the table below to compare costs and coverages of the top travel insurance companies for a trip to Thailand:

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Do I Need Travel Insurance for Thailand?

Americans visiting Thailand should consider travel insurance, even though the country does not require it. A Thai vacation can be expensive, requiring trans-Pacific airfare, hotel stays, and transportation within the country. Also, the State Department warns travelers that U.S.-based health insurance may not work and that many medical treatment providers in Thailand only accept cash payments.

Events in Thailand beyond your control could interrupt your trip. For example, floods can occur due to heavy rains in both the north and south of the country, and riots and protests are possible during elections. These issues, alongside the dangers of road and water travel, could leave you with sunken costs or pricy medical bills if you do not have a travel insurance plan.

You may have some trip cancellation coverage from the credit card used to purchase your tickets or make reservations, and your U.S. health insurance could pay for certain overseas emergencies. You need to confirm this and use travel insurance to fill the gaps and limit risks.

Here are the five types of travel insurance you might need.

Cancel for Any Reason Coverage

Cancel for any reason (or CFAR) coverage is different from standard trip cancellation insurance. As the name suggests, you do not have to provide a reason before you cancel your trip when you have this type of insurance policy.

A traditional travel insurance policy has exclusions. For example, you may not be able to cancel unless you have a verifiable illness or if your destination experiences a natural disaster. Scheduling issues or a change of mind are unlikely to be covered by insurance.

Because of the costs of long-haul flights and hotels or vacation rentals in Thailand, CFAR coverage can be a worthwhile addition to a standard travel insurance policy.

Gear Theft Protection

The State Department lists crimes like bag or backpack snatching , pick-pocketing, and non-violent robbery as among the most common problems for tourists in Thailand.

Gear theft protection insurance covers your camera, phone, laptop or other electronic devices.

Other travel insurance policies may have gear protection coverage. However, you could find limits in the fine print. For example, the policy might cap payouts for gear theft at $1,000.

Gear theft protection insurance is worthwhile if you bring lots of devices or equipment, and their value is higher than the coverage amounts on your other travel policies.

Medical Emergency Insurance and Emergency Medical Evacuation

Medical expenses can have a real impact on your Thailand vacation. Travelers have to pay for all medical care costs received at local Thai hospitals, and many of these places only accept cash payments. The U.S. Embassy does not assist or provide care , so travelers with healthcare emergencies need to pay out of pocket or use travel medical insurance.

Travel insurance for medical emergencies covers care for an accident, injury or unexpected illness. In some cases, you might decide you need to return home to get better care. Medical evacuation coverage pays for the flight to a hospital in the U.S. or another location with the level of medical service you need. This policy may also cover repatriation if you die during your trip.

Rental Car Protection

Thailand’s leading newspaper, the Nation, counted 939,713 road accidents in the country in 2022. Rentals in the U.S. are often covered under your vehicle insurance policy, or the agency lets you purchase insurance when you rent. This is not the case in Thailand, meaning you may be liable for repairs.

The State Department warns that rental scams involving all types of vehicles are common in Thailand. You may be stuck with a bill for repairs for seemingly minor scratches or dents.

Rental car protection can help protect against major accidents and annoying minor damage claims.

Trip Cancellation Insurance

Trip cancellation insurance covers the cost of your tickets, reservations, and other pre-booked parts of your Thailand vacation. However, the insurance company only covers cancellations beyond your control.

Here are examples of acceptable reasons to cancel a trip:

• A jury duty summons or a subpoena to appear in court
• A death in the family
• An unexpected illness requiring treatment or ongoing care
• A natural disaster or unrest in your destination in Thailand
• Military deployment

You need to read the fine print when you buy travel insurance. Policies don’t usually cover pre-existing conditions or known medical problems. Also, coverage does not necessarily depend on price. Cheap travel insurance options may offer the same limits as more expensive options, so it always pays to look at the fine print.

How Much Does Thailand Travel Insurance Cost?

Travel insurance costs can vary depending on the type of medical coverage or cancellation insurance you need. Travel insurance costs also vary based on your home state, your exact insurance requirements, trip costs and other factors. If your itinerary includes other countries, like Singapore, Malaysia or Cambodia, the premiums will be different. You can learn more about the cost of travel insurance here .

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Thailand. The below quotes are for a 30-year-old traveler from Florida, traveling to Thailand for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

These quotes were collected from each company’s website in May 2023. These standard plans include full reimbursement for trip cancellations and costs incurred during interruptions , emergency medical expenses, medical evacuation, repatriation and baggage loss or delay.

How Do I Get Travel Insurance for Thailand?

The best travel insurance for your Thailand vacation will depend on the protection available through other sources. Though comprehensive travel insurance policies provide medical and cancellation coverage, you may already have one or the other without knowing it.

Here is a list of potential coverage you might already have.

• A credit card sometimes offers trip cancellation insurance if you use it to book your airfare, hotel and any other expenses charged to the account.
• Your home health insurance policy may provide some protection when you travel overseas. You can inquire about emergency care and evacuation coverage for Thailand.
• Airlines may allow you to purchase cancellation insurance during booking.

Try to avoid redundant insurance, which is when you pay twice for the same coverage. For instance, if your credit card offers trip cancellation insurance, you do not need to purchase it from an insurer. You would only need to purchase an emergency medical and evacuation policy.

Country Safety Tips

The State Department publishes information about travel risks in Thailand. Except for times of protest, such as those that occurred in 2014, Thailand is usually at a Level 1 travel advisory, meaning it is safe to visit if you take normal precautions.

Some areas of southern Thailand near the Malaysia border experience insurgencies, causing Level 2 or 3 advisories. However, other areas remain at Level 1 barring natural disasters.

Here is a look at the normal steps you need to take to ensure your Thailand trip is as safe as possible.

Crime and Safety

Thailand experiences lower crime rates than the U.S. , even in major cities like Bangkok and Pattaya. However, petty crimes, which include pick-pocketing, bag snatching and other forms of non-violent robbery, can be common.

Securing the things you carry and not flashing Thai baht (THB) when making purchases can go a long way toward protecting you from theft. Also, you should agree on the price when traveling by motorcycle taxi or tuk-tuk (auto rickshaw) or only use metered taxis because overcharging scams are widespread.

Violent crimes are rare, but when they happen it is usually late at night and involves lone travelers, drunk tourists, or people who get separated from their companions. You should always remain in well-lit, high-traffic areas and stay with companions when out at night.

Day Trips, Tours, and Excursions

Safety standards can vary in Thailand. Some unique excursions, such as parasailing, elephant treks, jungle hikes, ziplining and diving experiences require skilled guides and organizers who take steps to make everything safe.

Recommendations from trusted friends, hotel concierges and reputable tourist offices can help you avoid unsafe or unproven tour operators. Even if you get recommendations, it’s often good to confirm the operator’s reputation online.

Statistics compiled by the Bangkok Post before the coronavirus pandemic found that 83 tourists died in 2016 , with road accidents, swimming and boating accounting for half the fatalities. Tourists should take extra precautions when taking part in these activities.

According to the U.S. Embassy in Bangkok, the government has also ended all Thailand’s COVID pandemic requirements, including proof of vaccination for travelers arriving from the U.S. This includes insurance with COVID-19 coverage.

Is Travel Insurance for a Trip to Thailand Worth It?

Due to the cost of intercontinental airfare, the risks from traffic, political unrest, natural disaster and general dangers, travel insurance is worth it for those visiting Thailand.

As a tourist visiting Thailand, you need to carefully research coverage options to ensure you have the protection necessary to deal with the risks, disruptions and cancellations. If the unforeseen happens, you’ll be covered, and even if it doesn’t, you will have peace of mind in knowing that you are protected.

Frequently Asked Questions About Travel Insurance in Thailand

How do i receive compensation for canceled or delayed flights to thailand.

You need to take specific steps to get compensation for canceled flights . On U.S. flights, airlines must rebook or refund canceled flights and rebook passengers on the next available flight after a delay.

Delays from weather or other issues beyond the airline’s control fall outside this requirement. In these cases, rebooking happens at the carrier’s discretion. Also, these rules apply to U.S. flights, so airlines taking off and landing outside of the U.S. may have different restrictions.

Travel insurance covers those delays and cancellations that don’t require rebooking and provides money to cover unexpected expenses, like hotel costs, during delays.

How much do travel insurance plans cost in Thailand?

Policy costs can vary depending on the length of your trip, the type of coverage you need, your age and your state of origin. If the average trip to Thailand is two weeks and costs $5,000, comprehensive coverage for a 35-year-old traveler traveling during the first two weeks of August is between $165 and $280.

Travelers requiring only cancellation or medical insurance may pay lower premiums.

Do I need travel insurance for Thailand?

Thai authorities ended travel insurance requirements related to the COVID-19 pandemic. Visitors from the U.S. currently do not legally need insurance to visit Thailand. The only requirement for a 30-day stay is a valid passport and return ticket.

The potential for high medical bills and the danger of canceled flights or disruptions leading to sunken costs make insurance a good idea for Thailand-bound travelers.

Does travel insurance get more expensive closer to your departure date?

Unlike airfares and hotel reservations, travel insurance does not get more expensive closer to the departure date. If there are no natural disasters or incidents of unrest, the price should not change because the risk does not change based on the date.

If you have questions about this page, please reach out to our editors at [email protected] .

• Travel Insurance

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Guide To Travel Insurance For Thailand

Published: Nov 6, 2023, 3:37pm

Table of Contents

Travel insurance for thailand, what travel insurance won’t cover for thailand, frequently asked questions (faqs).

Millions of tourists travel to Thailand every year for its centuries-old culture, white sandy beaches, delicious food, floating markets, world-class hotels and vibrant nightlife—with around 800,000 of those tourists being Australians.

For Aussies thinking of heading to Thailand in the near future, it makes sense to invest in a comprehensive travel insurance policy that covers you for all eventualities.

If you don’t know where to start, or are unsure of what you will or will not be covered for, then read on for our complete guide to travel insurance for Thailand.

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Cover-More Travel Insurance

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Medical cover

Unlimited, with a $2000 limit to dental

Cancellations

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

WAS Insurance

Medical Cover & Support

Unlimited* + 24/7 Support

Cancellation AND Disruption

Up to $40,000*

For travel to Thailand, you’ll need a policy specific to Thailand, or a worldwide travel insurance policy–but one that doesn’t include the USA, Canada, the Caribbean (and in certain cases Mexico and Greenland) as you won’t be travelling there. The cost of medical treatment at these destinations can be particularly expensive, which means premiums are higher.

Therefore, if you are travelling to Thailand, a worldwide policy that excludes North America will be adequate. To find our leading picks for comprehensive travel insurance policies, click here . You can also find out how to lower your travel insurance premiums in our guide to cheap travel insurance .

Do I Need Travel Insurance for Thailand?

While travel insurance is not mandatory for Thailand, it’s prudent to obtain a comprehensive policy before you go. Cover for medical expenses is highly recommended, in case of an accident or illness while you’re away.

Most good travel insurance policies offer unlimited cover for medical emergencies and may also include repatriation to Australia if necessary.

Be aware that you won’t be covered for any pre-existing conditions and you will have to flag these to your insurer before you travel, and they may be excluded from any claim.

If you need emergency medical assistance while in Thailand, dial 1669 and ask for an ambulance. You should contact your insurance company promptly if you are referred to a medical facility for treatment.

Other coverage areas to consider when purchasing insurance include:

• Cancellation of your trip, curtailment or missed departure – make sure the maximum limits will cover the full cost of your trip (insurers will usually be clear in their terms and conditions about what reasons will be accepted so be sure to double check).
• Loss or theft of baggage and personal items (good policies should also cover cash). Again ensure the maximum limit will cover the value of your belongings.
• Personal liability cover covers you in the event you accidentally injure someone or damage property while on holiday. Most good policies should provide at least $1 million of personal liability cover.

When it comes to travel insurance for Thailand, cheapest often won’t be best. Check the levels of cover when comparing policies including individual item limits for your personal belongings.

Also review the excess you’ll be asked to pay. This is the first part of any claim you have to cover yourself. The excess can vary widely between different policies depending on your age, what you plan on doing overseas, and any pre-existing conditions.

Can I Get Extra Cover for Thailand?

Many travel insurance policies offer optional add-on extras, which you may need for your trip to Thailand. Make sure you want the cover, however, otherwise you could end up paying more for extras you don’t need.

If you’re planning on scuba diving or bungee jumping, or other activities an insurer might deem to be higher risk (be aware even horse riding is viewed as a risky sport by some insurers), you might be able to add adventure sports to your policy for an extra cost. Check that the activity or sport you want to do is covered.

If you’re backpacking in Thailand, perhaps as part of a longer trip, you might be better off looking into backpacker insurance or extended-stay insurance that will cover you for more than the standard 31 days.

There are also optional extras to cover expensive phones, laptops and other tech, in case of theft, loss or damage.

If you’re planning to undertake paid or voluntary work while you’re in Thailand, you may need to take out additional insurance, especially if the job involves manual labour, working at heights or with animals.

Are There Still Covid Restrictions When Traveling to Thailand?

Travellers entering Thailand from Australia are not required to show any proof of Covid vaccination or negative test results, and there is no need to download the mobile app to show vaccination records.

If you test positive for Covid and present with no or mild symptoms, you are not required to isolate. However, you should still take sensible precautionary measures and avoid situations that would transmit Covid to others.

If you have severe symptoms, or any questions related to Covid while you’re in Thailand, you should call the Thai Covid-19 Hotline on 1422.

Luckily, many travel insurance policies include coverage for Covid-19 within their medical coverage.

No matter how robust your travel insurance policy, you’re unlikely to be covered if you injure yourself or others while under the influence of drugs or alcohol.

Similarly, your cancellation cover won’t cover you if you simply decide you don’t want to travel.

Most travel insurance won’t cover you for scheduled airline collapse, so if you’re concerned about this seek out policies which do include it or you can look into standalone policies.

How Do I Find Cheap Travel Insurance for Thailand?

In addition to your own research, we recommend you check out our guide to our pick of the best comprehensive travel insurance policies .

Remember, just because a policy is cheap, doesn’t mean it’s fit for purpose. Getting the level of cover you need is the most important thing.

If you’re likely to be travelling abroad more than once over the next 12 months, it may be more cost effective to buy an annual multi-trip policy rather than a single trip policy.

How much does travel insurance cost for Thailand?

The cost of travel insurance varies greatly depending on your age, the duration of your trip, the activities you will be participating in, and of course, the destination. For a broad estimate of how much travel insurance may cost for Thailand, Forbes Advisor Australia has reviewed a few quotes from different leading travel insurance providers.

A 30-year-old traveller going to Thailand for two weeks may be looking at approximately $150-$200, while a 60-year-old going for a month could be looking at approximately $290-$350.

Of course, if there are more travellers going on the trip together or an entire family, this may mean different costs per traveller due to discounts. As mentioned above, age, duration of trip and other conditions or activities will affect the price of your Thailand travel insurance, which is why the above quotes should be taken as a guide only.

What is the best travel insurance for Thailand?

Forbes Advisor Australia reviewed some of the leading travel insurance policies for Australians, however, these were not location-specific. Regardless, some of our top choices whether you are travelling to Thailand or elsewhere include Travel Insurance Direct, Allianz, Bupa and InsureandGo.

Do Australian citizens need a visa for Thailand?

No, Australian passport holders are not required to obtain a visa when entering Thailand for tourism purposes. However, they are not permitted to stay in Thailand for a period exceeding 30 days each visit, and are only allowed to enter Thailand through land border without a visa twice per calendar year.

Should I buy travel insurance for Thailand?

While travel insurance isn’t compulsory for Thailand–nor any country–it is highly recommended by both the government and travel agents. By having travel insurance, you can rest assured you won’t be out of pocket if you require medical attention overseas, or for other unfortunate events such as cancellations or theft.

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Traveling From the USA to Thailand? Here Are 3 Health Insurances to Know in 2023

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Whether you're travelling to Thailand to visit friends or family there, or just as a tourist eager to see the famous Railay Beach, Koh Phi Phi, or bustling Bangkok, before arriving from the US, it's crucial to consider your travel insurance options And while traveling to Thailand can be an accessible, it's worth remembering that 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 adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats alike.

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 from the USA to Thailand scroll down

Is Travel Insurance Mandatory From the USA to Thailand?

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

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 from America:

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 visitors from the USA traveling to Thailand. It lets you choose between various plans tailored to meet the specific needs of your trip to Thailand, including coverage for emergencies, doctor's visits, and other medical-related expenses. 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 /person /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 good travel insurance provider for Thailand, especially if you're adventurous or frequently on the go and are looking for solid trip insurance from the USA 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 /person /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 young people or digital nomads from the USA because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind in Thailand 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 /person /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term traveling

Compare For Yourself

In this post, we explored three travel insurance providers you should consider for your next trip to Thailand from the USA. That being said, there are many more providers out there, some of which might make even more sense for you depending on your travel needs and preferences. To compare the top providers on the market, run a search on Monto's travel insurance comparison engine below 👇

Find travel insurance for you:

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 14/02/2023

FAQ About Travel Insurance from the USA 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 visitors 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 traveling (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 insured, 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 tourists.

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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Best COVID Insurance for Thailand

Required Documents for Travel to Thailand

Please have the following documents ready.

• Visa (if required)
• Buy Thailand Travel Insurance
• Flight Itinerary
• Hotel Booking Confirmation or Thailand Address

Incorrect documents will delay the entry screening to Thailand.

Buy Your Insurance Now

With COVID-19 just around the corner, countries all over the world are doing their best to execute their precautionary measures. It means that countries are stricter and more cautious of who they let into their country. It does not mean inconvenience for travelers, rather it means safety and assurance.

Thailand is one of the countries that is slowly opening up to both travelers and returning residents. Travelers are able to visit Thailand, it has almost the same process as before but with additional requirements. One of the requirements is the Thailand Pass, and it cannot be obtained without the latest requirement that travelers need to have, and that is the COVID-19 Insurance for foreigners . To acquire this insurance, one must choose an insurance company in Thailand that would fit for you and more importantly a reliable one, and that insurance company would be AXA Sawasdee Thailand.

AXA Sawasdee Thailand

This is offered by AXA Thailand General Insurance; it is comprehensive travel insurance that includes health coverage for foreigners who are traveling to Thailand. It is made to make your preparations for traveling to the country seamless and trip worry-free from beginning to end. They offer up to US$20,000 of medical expenses, including COVID-19 related medical expenses, which meets the Thai government’s insurance requirements for the Thailand Pass.

AXA is there to support visitors whether they are here for leisure, visiting family, work, and other purposes. AXA Sawasdee Thailand is there for travelers to rely on, where they can depend on and feel secure. AXA is a travel companion for those travelers that fulfill government insurance requirements to enter the land of smiles, Thailand.

AXA is the Best COVID Insurance

There are other insurance companies that offer medical insurance to travelers, but what makes AXA stand out:

• Price. Compared to other insurance companies, it is much more affordable to avail AXA’s insurance policy. The insurance policy for 30 days costs as low as 2,000 THB.
• Top Insurance Company. According to the Office of Insurance Company, AXA is one of the top insurance companies in 2021. Did you know that the policy of AXA is solely underwritten by the company itself?
• High-Level Support. In Thailand, AXA Insurance has 19 branches that support customers in case of questions and claims.
• Refundable. The insured can get full premium refund if the Royal Thai Embassy/Royal Thai Consulates does not accept AXA Sawasdee Thailand insurance. The Insured must provide to AXA a proof of the requirement by the Embassy which indicates that AXA Sawasdee Thailand is not acceptable e.g. a webpage of the Embassy listing the requirement, a leaflet with the Embassy header/logo.
• Cashless Claim. At hospitals, the insurance company provides cashless claims to all inpatient treatments, not just the COVID-19 type of emergency.
• Choice of Period. You have the choice to choose the length of insurance. Whether it would be 7 days, 15 days, 30 days, 60 days, 90 days and 180 days. Unlike other insurance companies where there is only a limited choice of length of days.

Why Choose AXA Sawasdee Thailand

There are other reasons why AXA is convenient for your travels. Here are some of them:

• It meets the requirements of application for Thailand Pass.
• It gets an insurance policy and COVID-19 certificate by email instantly.
• It can be purchased online with a credit card.
• 24 hours hotline service.
• The policy has no waiting period and no deductible in the hotline service.
• It has a large hospital network throughout Thailand and no advance payment for hospitalization.
• The coverage of the insurance will start after clearing immigration in Thailand.

Why is Travel Insurance Required?

There is a good reason as to why it is mandatory. One must realize that if an individual travels to other countries with no insurance and when unexpected things happen where he/she traveled, with the cost of hospital treatments and other situations that involve money, one might have problems as to where to get the financial aid to pay those expenses. Take note that some of the standard health and travel insurance do not cover anything about Covid-19. When you have the insurance when you get to Thailand, and one is tested positive for Covid-19 even with no symptoms, the insurance still covers the medical expense, not just Covid-19 type of situation but it includes accidents and any other sickness except pre-existing ones.

The insurance is to cover the cost of expenses in case something will happen to a traveler. If ever one does not have the insurance, someone else will pay that expense. Who are the ones who will pay for that expense? The Thai government. They are concerned about unpaid bills that they will pay when there is no one to pay. And it is even concerning knowing the Covid-19 cases are rising.

Important Notice in Purchasing Travel Insurance

Purchasing travel insurance.

The easiest way to purchase this insurance is through an AXA Insurance website . Reminder, one must purchase this insurance before you travel, you are not allowed to avail of AXA Sawasdee Thailand: Inbound Travel Insurance within Thailand. AXA Sawasdee Thailand will provide you with all the certificates of coverage to present to the authorities before you board the plane and when you arrive in Thailand. Remember that when you fill the applications needed to be filled, be sure to cover the period that you are planning to stay in Thailand.

BUY AXA COVID-19 INSURANCE NOW! CLICK HERE

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Do You Need Travel Insurance to Travel to Thailand

Talking about Thailand, travel insurance is not mandatory for international travellers.

Travel insurance is an important document that protects you from potential financial risks and hassles during overseas trips. If you lose your luggage or have a medical emergency, you can contact the insurance provider for timely assistance. While travel insurance is not mandatory for tourists in some countries, others will not allow you to travel without it.   

Talking about Thailand, travel insurance is not mandatory for international travellers. Nonetheless, it is wise to secure your trip with travel insurance for Thailand to cover different risks while on an overseas tour. Let’s discuss this in detail.

Should you take travel insurance for Thailand?

Travel insurance is not mandatory for tourists visiting Thailand. However, it is always wise to keep this travel document handy for a hassle-free trip. A travel insurance policy ensures financial security and peace of mind throughout the trip and helps you make the most of your tour. Therefore, whether you are visiting Thailand for work or leisure, travel insurance will cover you against unforeseen situations.

Let’s take a look at the many benefits that a travel insurance policy offers to travellers.

Benefits of travel insurance

Travel insurance offers a host of benefits to policyholders and helps them travel stress-free. The following are the benefits of a travel insurance policy —

Emergency hospitalisation expenses: A medical emergency can happen at any time, and the hospital bills can exhaust your travel budget easily. However, if you have travel insurance, the insurer will cover your hospital bills and associated expenses and ease your worries.

Emergency dental treatment: If you require emergency dental treatment during the trip, the insurer will cover the expenses. For example, if you suffer a dental injury while on a holiday in Thailand, the insurer will cover the treatment bills.

Other medical expenses: A travel insurance policy also covers other medical expenses, such as a personal accident, medical evacuation, and repatriation of mortal remains.

Loss of checked-in baggage: Losing your checked-in baggage can be quite distressing. If you have travel insurance, the insurer will compensate you for the loss incurred.

Delay of checked-in baggage: If your checked-in baggage gets delayed, the insurer will reimburse the money spent on buying the essentials. However, the same is subject to policy terms and conditions. For example, some insurance companies compensate the insured only if their checked-in baggage gets delayed by 12 hours or more.

Trip delay: If your trip gets delayed due to flight cancellation, rescheduling, natural calamity, or any other reason mentioned in the policy’s terms and conditions, the insurer will reimburse the additional expenses incurred.

Trip cancellation: If you have to cancel your trip due to a natural calamity, emergency hospitalisation, or any other genuine reason, the insurer will reimburse the trip cancellation charges and associated expenses.

Missed flight connection: If you miss your connecting flight due to the delayed arrival of the earlier flight or any other reason beyond your control, the insurer will compensate you for the same.

Loss of Passport: If you happen to lose your Passport during the trip, the insurer will reimburse the expenses that you incur to get a new or duplicate one.

Personal liability: If you are legally liable to a third party for bodily injury or property damage in an accident, the insurer will come to your rescue.

Emergency cash: If you lose your money to theft or robbery during the trip, the insurer will give you an emergency cash allowance. However, the allowance will be up to the amount mentioned in the policy terms and conditions.

Compassionate visit: If you get hospitalised during the trip for a certain number of days, the insurer will cover the compassionate visit expenses of an immediate family member.

Hijack distress allowance: If the common carrier in which you are travelling gets hijacked and kept captive by the hijackers thereafter, the insurer will offer compensation for the same.

No matter where you go, it is crucial to stay protected against unexpected situations, including flight delays, baggage loss, medical emergencies, and even petty crimes. Hence, before travelling to Thailand, get a travel insurance policy that keeps you safe in every way.   

Keeping the many benefits of travel insurance for Thailand in mind, it is wise to take this coverage for better financial security. Many insurance providers in India offer 24/7 support to policyholders. Therefore, if you happen to find yourself in a distressing situation at any time during the trip, your travel insurance provider is a call away!   

This is a Partnered Post.

Everything You Need To Know About Travel Insurance For Your Trip To Thailand

Posted by michaelnsmith009 on January 8, 2024

Introduction to Travel Insurance

Are you planning a trip to Thailand? Exciting! From its stunning beaches and vibrant cities to its rich cultural heritage, the Land of Smiles has something for everyone. But before you embark on your Thai adventure, there’s one crucial thing you need to consider: travel insurance. Yes, it may not be the most glamorous part of your vacation planning process, but trust us when we say that having travel insurance for your trip to Thailand is essential. In this blog post, we’ll delve into everything you need about travel insurance for your Thai getaway – from why you need it to the types of coverage available. So grab a cup of tea, sit back, and dive in!

Travel Insurance Thailand

Why You Need Travel Insurance for Thailand

Thailand is a mesmerizing destination offering diverse experiences, from bustling city streets to tranquil beaches and ancient temples. While planning your trip to this enchanting country, it’s essential to consider the importance of travel insurance.

Accidents and unexpected events can happen anywhere, even in paradise. Whether it’s an unforeseen medical emergency or lost luggage, having travel insurance can provide peace of mind and protect you financially during your Thai adventure.

Medical emergencies are one of the top reasons why travel insurance is crucial when visiting Thailand. While we hope you won’t need it, having coverage for medical expenses ensures that if something goes wrong, you’ll have access to quality healthcare without worrying about hefty bills.

Moreover, thefts and losses can occur while traveling abroad. With travel insurance, you’ll be covered for stolen items such as cameras and smartphones or if your baggage goes missing during transit. This provides reassurance, knowing you won’t be left empty-handed should an unfortunate incident occur.

Another vital aspect is trip cancellation or interruption coverage. If your trip gets cancelled or cut short due to unforeseen circumstances like illness or natural disasters, travel insurance will help reimburse non-refundable expenses like flights and accommodations.

Furthermore, Thailand has many exciting adventure activities like scuba diving, rock climbing, and elephant trekking, which might involve certain risks. Having comprehensive coverage will ensure that you’re protected against any accidents or injuries related to these activities.

In addition to these benefits mentioned above, travel insurance also covers personal liability in case someone gets injured while traveling with you and requires compensation for damages.

Remember that each policy differs regarding coverage limits and exclusions; reading the fine print before purchasing is vital. Ultimately, investing in travel insurance allows you to enjoy every moment of your Thai journey worry-free!

Types of Coverage Available for Thai Trips

When planning your trip to Thailand, it is essential to prioritize your safety and well-being. Travel insurance provides you with the peace of mind of knowing that you are protected against any unforeseen circumstances or emergencies that may arise during your journey.

With various types of coverage available for Thai trips, including medical expenses, trip cancellation/interruption, baggage loss/delay, and emergency evacuation, you can tailor your travel insurance policy to suit your needs.

Remember to thoroughly review the terms and conditions of different insurance providers to ensure you are getting the best coverage at a reasonable price. Consider comprehensive coverage limits, deductibles, exclusions, and additional benefits offered.

Don’t let unexpected situations ruin what should be a fantastic experience in Thailand. Invest in travel insurance and embark on your adventure with confidence!

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