Thursday, June 16, 2022

What Is The Best Travel Insurance For Thailand

Don't Miss

Heres The Reason Why Should You Buy Covid Insurance In Thailand

The Importance Of Travel Insurance In Thailand

Due to the current coronavirus outbreak in Thailand, Thai law requires all travelers coming to Thailand to have Covid Insurance in Thailand that covers an amount of 100,000 USD . The insurance will provide travelers with medical expenses if they get sick from COVID-19 virus. In addition, the policy will also provide other coverage when being in Thailand.

The Advantages of expat Covid insurance Thailand

When you come to Thailand for tourism or work. If you have COVID-19 insurance, you will receive the following benefits:

Is China A Schengen Country

Tourists and business travelers frequently ask if China is a member of the Schengen area countries. No, China is not a Schengen country, so there is no requirement to purchase Schengen visa-compliant travel insurance. However, if you are planning on traveling to any destinations in addition to China on the same trip, it’s a good idea to find out the Schengen status of the other countries before departing.

Ready To Find Your Perfect Thai Travel Insurance Policy

Stuff going wrong on holiday shouldnt be your foremost concern when planning your trip. After all youve got an exciting itinerary to navigate! But like it or lump it, without safeguarding your travels, all the fun stuff could be nullified in the flash of an eye.

Compare Thailand travel insurance policies today to save time, worry and loads of money. Youll be on your way to a relaxed, worry-free holiday quicker than you can say “pad thai”.

Or perhaps your heading elsewhere on your holidays? Perhaps you’re staying closer to home in New Zealand or experiencing the delights on Singapore? No matter where your adventure takes you make sure you compare travel insurance for your next trip!!!

Don’t let travel hurdles thai you down!

Also Check: Does Parking Ticket Affect Credit Score

How To File A Travel Insurance Claim

Making a travel insurance claim is a pretty straightforward process. First, you need to visit the insurer website or contact them to get the necessary forms. Then, youll need to collect evidence of your expenses, such as medical forms and receipts. You might also need to send in a copy of the police report from when you reported your stolen belongings if you file a claim for theft. For baggage delays, you have to get a letter from the airline to confirm the delay. Once youve filled out the forms and gathered the evidence, you can then send them to your insurer.

The Best Travel Insurance Providers For Thailand Trips

The 10 Best Travel Insurance for Thailand in 2018 ...

Congratulations on even making it to this page!

I get it, buying insurance for a trip is literally the single worst part of the planning process, but its also one of the most important.

Youve already got the hardest part out of the way sitting down to do it the rest of the process is usually much easier than you anticipate.

COVID-19 Update: Right now, health insurance is a requirement for all foreigners entering Thailand. To enter the country, you must show a policy with a minimum cover of $100,000 USD and which does NOT exclude treatment for COVID-19. Note that our top pick below, World Nomads, does not cover pandemics. To get coverage for COVID, use our choice for the best insurance aggregator, SquareMouth and make sure to tick the box to only include Coronavirus Pandemic policies. More details on buying from SquareMouth below. For more information, see our complete guide to COVID-19 and Thailand travel.

In this guide, we will provide you with the resources to make this as painless as possible. We will cover the main provider we recommend , why we prefer them over the competition, plus give you the best aggregator site weve found if you want to shop around a bit more.

Also Check: Does Insurance Cover A Broken Window

If You Want To Shop Around

World Nomads is our top choice if you want to just get this over with, but if youre someone who likes to shop around and try to find the best deal you can, we recommend using a search tool that lets you compare quotes from different providers.

COVID-19 Update: SquareMouth is currently our recommended choice to shop for travel medical insurance that covers the Coronavirus. Make sure to tick the box on the left-hand side for Coronavirus Coverage.

I spent more hours than Id like to admit browsing dozens of travel insurance aggregation websites trying to find the best one . Ive concluded that SquareMouth is the easiest site to use to shop around for a travel insurance quote.

What I like about SquareMouth is the selection boxes on the left-hand side that let you filter for the right plan type. If youre looking for a cheaper plan, you can deselect all the options under Trip Cancellation and Loss or Delay. Youll likely find a plan with little to no cover for delays and cancellations, but youll pay less for it.

Cancellation Loss or Delay

Definitely tick the box for Emergency Medical and set the minimum cover to at least $100,000 USD or your local currency equivalent Tick the box for Coronavirus Coverage too. You should also tick Emergency Evacuation and set a high minimum, Id recommend $500,000. You can easily find affordable coverage at these levels.

Do I Need Travel Insurance In Thailand

Travel insurance policies are generally designed for short term visitors to a country ensuring that any mishaps can be dealt with easily and quickly so you can continue to enjoy your trip. Of course, purchasing a local health insurance plan can provide more comprehensive coverage, and this can be an option if youre concerned a travel plan wont be adequate.

If youre interested in travel insurance, contact us here for a quote.

Also Check: Does Parking Tickets Affect Insurance

What Other Entry Requirements Are There

To enter Thailand, your passport must have at least six months validity from your date of entry into Thailand. British passport holders arriving by air or land can enter Thailand for up to 30 days without a visa .

If you plan to stay any longer than this, youll need to apply for a tourist visa or a special tourist visa or you will be subject to overstay penalties, at 500 baht a day , up to a maximum of 20,000 baht .

Immigration officials in Thailand may ask you for proof of onward travel and evidence of having adequate finances. Find out more here about Thailands entry requirements.

What Activities Does A Thailand Travel Insurance Policy Usually Cover

Thailand visa required medical insurance. I did the legwork for you!

Travel insurance companies usually have a list of activities they cover as well as exclusions. The table below lists a few examples of what is usually covered and what is not:


Again, the best way to know what activities are covered in your insurance policy for Thailand is to carefully read it. In most cases, you will be able to purchase extra coverage for some activities, but it will naturally cost more.

You May Like: How To Obtain A Life Insurance License

Covid Insurance Thailand Cost: Is It Expensive

In a word, no, but it depends on a few factors. Although this is yet another burden and expense for foreign citizens trying to enter Thailand, its quite affordable. You can expect premiums to start from as little as 4,000 Thai baht for a 30-day policy. For the tourist visa or the non-immigrant visa application, the 90-day insurance coverage will cost 8,000 baht to 14,000 baht. As with all insurance policies, the premium will be determined by your circumstances, in this case, one of the most important factors is whether the country you are flying from is considered to be high or low risk for the virus.

Get your COVID-19 travel insurance within few minutes.

Helplines During Emergency In Thailand

If you are insured with AIG when you travel in Thailand, keep our 24/7 contact no. with you at all times to process claims and medical emergencies.

Dial for police, for fire, for ambulance and for National Disaster Warning Centre.

Contact details of Embassy of Malaysia in Thailand:Address : 33-35 South Sathorn Road, Tungmahamek, Sathorn Road, 10120 Bangkok

Recommended Reading: State Licensing Exam For Insurance

Trip Interruption Insurance For Thailand Trips

You may have packed every minute of your stay in Thailand with unique experiences, so you should protect your investment. Thailand is a sprawling country, and you may opt to pay for a package or tour so that you can see as much of the country as possible, says Lisa Cheng, spokesperson with World Nomads, a travel insurance company. Or you could be traveling on your own but paid a hefty sum upfront for your hotels and plane tickets, says Cheng. What if you have to cut your trip short?

Having to return home early from a dream vacation is high on the list of all-time bummers, but trip interruption insurance can help ease the financial blow. If you are across the world and your college-age daughter is hospitalized with a severe illness, trip interruption coverage will pay for your flight home. It also reimburses you for forfeited non-refundable, prepaid deposits for activities youll miss. Trip interruption kicks in for emergencies listed on your policy, such as a family death or illness or an act of terrorism, among others.

What Visa Do I Need For Thailand

Thailand Travel Insurance

If youre a British passport holder, you can enter Thailand for 30 days without a visa. If you need to stay longer, you can extend your stay once for up to 30 days, but you must apply for the extension before your visa exemption period ends.

If you plan to stay in Thailand for longer than 30 days, are visiting Thailand for work, or planning to use land borders regularly, then youll need the appropriate visa before you travel. The only legal way of getting a new visa, entry permit or extension of stay is from:

  • A Thai Embassy or Consulate
  • An Immigration Officer at a point of entry into Thailand
  • One of the Immigration Offices around the country.

Recommended Reading: Is American Income Life Insurance Legitimate

Table Comparing Health Insurance Types For Thailand

Request a quote now!

The information contained in this table is for information purposes only and is a simplification of the information obtained on the websites of the insurance providers. Due to the complexity of health insurance policies, we recommend that you thoroughly read the conditions of the policy that you will choose, before purchasing it.

Does Thailand Have Free Healthcare

Yes, and it is provided under the Universal Coverage for Emergency Patients program. However, it only applies to emergency treatments, usually for life-threatening medical cases.

According to the UCEP Coordination Center, you can get free healthcare for the first 72 hours of treatment in any hospital nearest to you as long as your medical case includes the following symptoms or conditions: temporary unconsciousness, severe breathing problems, sudden chest pain, sudden limb weakness, and other symptoms that affect the circulatory and nervous systems.

Please note that the free emergency treatment needs to be approved by the UCEP Coordination Center and you get free healthcare only for the first 72 hours of treatment. The remaining cost needs to be paid out of your pocket or your insurance provider.

Read Also: Health And Life Insurance Licenses

Option : Medical Only Cover

If you’re travelling on a budget, and looking for cheap travel insurance to Thailand, then 1Covers Medical Only policy offers a cheaper alternative to comprehensive travel insurance. It’s our most basic policy and will only provide cover for any medical expenses and emergency assistance costs.

For a detailed outline of benefits and inclusions, as well as terms and conditions, please refer to the Policy Wording, or get an instant quote now.

Medical Only Cover Policy

Frequent Traveller 21 days maximum

Frequent Traveller 45 days maximum

Frequent Traveller 90 days maximum

Find out whichAnnual Frequent Traveller cover policy would suit you best here.

For a detailed outline of benefits and inclusions, as well as terms and conditions, please refer to the Policy Wording, or get an instant quote now.

Any Other Travel Tips For Thailand

Travel Insurance Required For Thailand?

Currency: The Thai baht is the official currency. You can use your credit or debit card at good hotels and in some of the more upmarket restaurants and shops but surcharges to use them can be high.

Vaccines: You should go and see your doctor at least eight weeks before you go away they can inform you of any precautions or vaccinations you may need. You might be advised to have some vaccines such as Hepatitis A, Tetanus and Typhoid, usually free on the NHS.

Language: Thai is the official language but many locals will have a smattering of English.

Tipping: Tipping isnt expected but it is of course much appreciated.

Read Also: Apply For Life Insurance License

Common Safety Tips For Travelers To Thailand

Exercise caution while traveling, especially in areas where there are lots of expatriates like tourist areas, beaches, bars, restaurants, and clubs.

The deep south region of Thailand is known as an unsafe area to travel. Over the past ten years, there have been daily incidents of criminal and politically motivated violence. All non-urgent travel to these areas should be avoided.

It is a great idea for U.S. travelers to enroll in the Smart Traveler Enrollment Program to keep automatically updated from the Embassy.


Trip Cancellation Insurance For Thailand

With so much to see and do in Thailand, you likely have been planning an enriching itinerary for your trip for over a year. With departure imminent, you would have your hotel and flights booked, along with pre-paid activities, perhaps a boat ride on the Asiatique Riverfront, or a tuk tuk tour of Bangkok.

What if you received devastating news that would force you to cancel your trip? For example, if your sister suffers a heart attack and is in intensive care, you would probably want to cancel the trip to be by her bedside. Disruptions due to weather, illness, injuries, job loss, death and more are covered by trip cancellation insurance. You can be reimbursed 100% of the non-refundable deposits you lose when you cancel your plans for a reason covered by the policy.

Its important to know that not all cancellation reasons are covered under a standard travel insurance policy. If you have a fight with your significant other a week before the trip and dont want to go to Phuket, you would not be covered for the cancellation.

If you want the greatest flexibility to change your travel plans and potentially cancel, its best to purchase a cancel for any reason insurance upgrade to your policy. As long as you cancel your trip no more than 48 hours before your scheduled departure, you can recoup some of your trip expensesusually 75%, but check your policy. The freedom to cancel with this upgrade will cost you an average of 50% more than a standard policy.

Recommended Reading: Does Insurance Cover Windshield Repair

Be Careful When You Hire Jet Skis And Motorbikes

Motorbiking and jet-skiing in Thailand is a pretty common practice for Aussie tourists. However, Aussies have reported being harassed or threatened with violence by operators , who demand compensation for seemingly damaged hired goods.

Additionally, any accidents you have as a result of driving these vehicles may not be covered under your policy and let us tell you, driving on roads in Bangkok is an experience not for the faint of heart! Take photos of any vehicle you hire beforehand. Learn more about motorcycle and moped cover.

Travel Safety In Thailand

Thailand Travel Insurance

Generally, Thailand is very safe and crime rates are relatively low. But there are other things to consider, especially during a global pandemic. Besides the risks associated with covid 19, Thailand also does have some of the most dangerous roads in the world, which makes travel insurance for Thailand a smart choice, especially if your medical coverage wont cover you while on the Thai roads.

Lets break down some the various safety considerations involved in travel to Thailand:

Also Check: Will Car Insurance Cover Windshield Replacement

Other Terms And Conditions

There may be other terms and conditions that can affect the viability of your insurance coverage.

Reading the conditions of your insurance contract is tedious. But think about how much youll be spending on this for the next five to ten years.

That should be worth setting aside an hour or two to go over the details of your plan.

International Citizens published a nice wrap-up on expat insurance terms and what they mean. You should check it out to get to know the language of insurance.

If in doubt, I suggest sending an email to your potential insurer, listing out what youre concerned about, and trying to get some statement from your broker or insurance company that clarifies your question.

Im not a lawyer or insurance expert and this isnt legal advice, but I assume this should improve your position if it ever comes to a dispute.

Popular Destinations & Tourist Attractions In China

China is the 4th largest country by land mass in the world, so there is a lot for tourists to see. Most visitors to the country are not able to explore every location they’d like to in one trip unless they are staying for an extended period of time. For this reason, it’s a good idea to create an itinerary that accounts for travel time between destinations. While several of China’s major cities are located along the coastline, there are many rural areas located inland that take much more time to get to. When you’re planning your trip to China, think about what types of activities are most important to you and your travel companions. From there, you can map out a feasible itinerary that keeps everyone happy. Whether you’re a history buff looking to explore ancient temples, the Great Wall of China, and the Terracotta Army or you are interested in the fast-paced nightlife in Shanghai, there is plenty to see and do.

Recommended Reading: American Income Scam

More articles

Popular Articles