Travel insurance for Thailand

Thailand lures thousands of tourists to its shores every year with its stunning scenery and exotic culture. Before you head off, make sure you’re covered with travel insurance, so you can hit the beaches and take in the culture carefree.

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Name	Product	Trip Cancellation	Emergency Medical Expenses	Baggage Coverage	Trip delay
Atlas Travel by Tokio Marine HCC – MIS Group				$1,000	$100	Customizable policy that balances basic essentials with premium coverage.	Go to site View details		loading Fetching your data...
Atlas Group by Tokio Marine HCC – MIS Group				$1,000	$100	Customizable policy designed for families, student organizations and groups of five or more people.	Go to site View details		loading Fetching your data...
Atlas StudentSecure by Tokio Marine HCC – MIS Group			$500,000			Choose from four levels of coverage to get the travel protection you need while travelling as a student.	Go to site View details		loading Fetching your data...
RoamRight Essential Travel Insurance Plan		100%	$15,000	$750	$500	Basic policy with coverage that includes trip cancellation insurance, tourist health insurance and baggage insurance.	Go to site View details		loading Fetching your data...
RoamRight Multi-Trip Annual Insurance for Trip Cancellation		100%	$25,000	$1,000	$1,000	Bare-bones policy designed for those who want trip cancellation coverage and limited medical protection.	Go to site View details		loading Fetching your data...
Seven Corners Liaison Travel Medical			$50,000	$1,000		Coverage when traveling outside your home country with terms between 5 days to 3 years.	View details		loading Fetching your data...
AXA Assistance Silver Plan		100%	$25,000	$750	$500	Basic travel protection with lower amounts of coverage. No option to cancel for any reason.	Go to site View details		loading Fetching your data...
Travel Guard Silver		100%	$15,000	$750	$500	Budget-friendly coverage with basic travel protections that include trip cancellation and trip interruption.	Go to site View details		loading Fetching your data...
Seven Corners Wander Frequent Traveler Annual Insurance			$1,000,000	$500		Coverage for as many trips as you want for travel periods lasting up to 30 or 45 days.	View details		loading Fetching your data...
STA Travel Standard Plan		$2,500	$100,000	$1,000	$500	Affordable coverage for the essentials needed when traveling outside of your home country.	Go to site View details		loading Fetching your data...

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What does travel insurance cover?

Travel insurance keeps unexpected bumps in your vacation from becoming big bills and overwhelming debt. The average policy covers:

• Medical and evacuation expenses. A bad bowl of curry or a jellyfish sting can put a halt on your adventures, but travel insurance can make sure at least your wallet comes out unscathed. If you’re sick or injured in an area that doesn’t have adequate medical services, evacuation to care can cost thousands without a policy.
• Lost or damaged personal property. Thailand is infamous for petty crimes like theft and pickpocketing. Insurance can reimburse you for lost or stolen items.
• Cancellations or changes. If you need to cancel your plans completely or return home early, a policy can help pay for new accommodations and flights — and reimburse you for any lost deposits.
• Personal accident and liability protection. If you accidentally injure someone or damage their property, liability protection can cover your legal costs.

What extra coverage can I get for Thailand?

Basic travel insurance policies exclude risky activities and expensive electronics, like:

• Am I covered for the infamous Full Moon Party?

  Yes, but with caveats. A sought-out beach bash, the Full Moon Party is held at every full moon on the island of Ko Pha Ngan. It’s a young traveler’s mecca that often includes excessive drinking and drugs, which can put your safety in danger.

  While the unexpected can happen anywhere, deliberate actions that risk your safety can void your travel insurance:

  • Overconsumption. If you injure yourself or lose your valuables while under the influence of drugs not prescribed by your doctor, your policy will likely exclude it.

  • The Burning Rope. If you burn yourself participating in this tradition of jumping a rope that’s on fire, your insurer is likely to exclude you from coverage.
  • Falling asleep on the beach. You’re asking to have your valuables stolen, and insurance won’t reimburse you if you leave them out in the open.

  

  Drinks are literally served in buckets at the Full Moon Party.

• Am I covered for Thai sports like Muay Thai?

  Many insurers exclude dangerous contact sports from coverage, because they can increase the risk of you making a claim. But select insurers offer sports packages that provide some coverage if you’re looking to take a boxing class. If you’re unsure what your policy covers, talk with your insurer before purchasing a policy.

Travel insurance exclusions

Unfortunately, travel insurance doesn’t cover everything you might encounter along your travels. Common exclusions across the board include:

• Country exclusions. If you’re visiting other countries on your trip, ensure your policy covers them. A last-minute trip to a neighboring country could end up costing you a lot more than the train ticket.
• Working exclusions. Many travel insurance policies cover recreational travelers only. If you plan to work while overseas, check that your policy covers you.
• Contributory negligence. While you may be covered if your belongings are lost or stolen, you’re expected to look after them to a reasonable extent. Avoid leaving them unattended in a public place.
• Pre-existing medical conditions. If you have a medical condition that you don’t tell the insurer about and you need treatment for it while overseas, you may be denied coverage.
• Reckless behavior. Excessive drinking, taking drugs or participating in deliberate behavior that puts you in danger can void your claim.
• Ignoring government advice. If the US Department of State issues a travel advisory for Thailand, your policy is void if anything happens to you.

• Travel Accident Coverage : up to $50,000
• Pre-Existing Medical Condition : Available
• Concierge : Included

Our top pick: Allianz International Travel Insurance

Customizable coverage that can give you peace of mind when traveling to popular or remote destinations.

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How to stay safe in Thailand

Travel in Thailand can expose you to safety risks that include petty theft, motorcycle accidents and an unstable political climate. Stay vigilant by keeping these safety tips in mind:

• Limit drinking. It’s common enough for tourists to learn too late that they’re drinks were spiked with dangerous drugs. Keep your drink with you at all times, and refrain from drinking excessively to avoid being a target.
• Know the laws and customs. Tourists are not always welcome everywhere. You’ll want to respect and observe the culture’s laws and expectations.
• Don’t deface images of Thai royalty. Spray painting, drawing on or otherwise defacing images of the Thai king or queen can get you in trouble. The maximum jail time for this offense is up to 15 years in prison.
• Don’t drink in public places. It’s illegal to drink in temples, pharmacies, parks, gas stations, schools and universities. Breaking this law can land you in jail for up to six months.
• Don’t bribe the cops. Even though some people do it, bribery is illegal and can lead to jail time.
• Beware of scams. Common scams in the country include:
  • Fake airport taxis. From pretending to get lost to simply overcharging, sketchy drivers can hurt your wallet. Never get into an unmarked vehicle, and organize airport transfers through your hotel.
  • The watercraft scam. Usually associated with jet skis, this scam can also occur with cars, mopeds and motorcycles. You return your rental only to be accused of causing significant damage and ordered to pay a large amount. Always take photos of your rental before signing an agreements.
  • Corrupt cops. Police corruption is a problem in Thailand, and many of the local cops are quite happy to accept bribes. The best thing you can do is act sensibly, learn the local laws and stick to them.
  • Gem scam. If you’re approached by a stranger offering to sell you gems at a discount, take caution. Whatever you end up purchasing is likely worthless or never makes it to your shipping address.
  • The stolen moped scam. You rent a moped, pay a deposit and hand over your passport. When you leave it unattended later in the day, you’re shocked to discover it’s been stolen, leaving you on the hook to replace it. Don’t leave rentals unattended.

Bottom line

From exploring ancient ruins to touring royal palaces, Thailand offers some of the most breathtaking adventures in the world.

The abundance of adrenaline-inducing sports, scrumptious seafood and wild nightlife can also make it a high-risk destination for you and your bank account. With the right travel insurance policy, you can relax knowing you’re covered, if something goes wrong.

Frequently asked questions

• Travel insurance is expensive. Is it really that important in Thailand?

  Yes. Travel insurance protects you from risks that can not only ruin your trip, but also take a hit to your finances. Travel insurance is especially important in a developing country with different rules, risk factors and languages than you’re used to.

• What's included in a basic travel insurance policy?

  Basic policies typically include coverage for medical assistance, luggage and personal effects and liability. Call your insurer if you’re not sure what’s included in your policy.

• Am I covered for loss or theft of luggage and personal items?

  Yes, providing they weren’t left unattended. You must notify the Thai authorities within 24 hours and obtain a written report to submit your claim.

• Can I extend my insurance if I decide to stay longer?

  No. Instead, you’ll need to purchase a new policy prior to the expiration date of the original one.

• How soon before I go overseas should I purchase my travel insurance policy?

  As soon as you’ve paid for your trip to Thailand. This ensures you’re covered if your trip is canceled or delayed.

• Can I get a refund if I change my mind and cancel my policy?

  Yes, in most cases. Many travel insurance companies allow you to cancel your policy for a full refund if you cancel at least 14 days before your trip.

• How do I make a claim?

  After the incident, contact your travel insurance provider immediately. You’ll need to provide necessary paperwork to support your claim, which can include proof of purchase and the police report if an item is lost or stolen or medical invoices if you’re claiming for an illness or injury. Your insurer will let you know if there’s anything more you need to provide.

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