best travel health insurance for thailand

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• Travel Insurance for Thailand

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• Key takeaways

Do I need travel insurance to visit Thailand?

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

Best Travel Insurance for Thailand in 2024

• 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 that you have the protection and support you need in case of illness, injury, theft, or other travel hiccups, as most US medical insurance is not valid in Thailand.

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

Why Thailand travel insurance is important

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.

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

According to official sales data from Squaremouth , travel insurance for Thailand costs an average of $218.69.

Our official sales figures over the past year show that our customers paid an average of $145.54 for travel insurance to Thailand.

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

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.

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.

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).

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.

About the Author

Alana Luna (Musselman) is a versatile storyteller with over a decade of writing experience. She is passionate about helping people build their business through unique and engaging content.

Some examples of her current freelance projects include building content strategies for small businesses, completing industry research to build case studies, crafting buyer guides and more.

She has a passion and keen ability to simplify complex ideas through storytelling to make it easier for readers to understand hard-to-digest information. To accomplish this, Alana’s writing holds strong three principles – content that educates, engages and entertains.

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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.

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• iVisa review
• SIM or eSIMs
• Holafly review

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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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Home » Southeast Asia » Thailand » Travel Insurance

Guide To Thailand Travel Insurance – ALL You Need To Know

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

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

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

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

Do I Need Travel Insurance For Thailand?

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

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

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

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

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

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

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Healthcare in Thailand

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

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

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

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

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

Crime in Thailand

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

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

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

Issues Facing Travellers in Thailand

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

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

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

Common Activities in Thailand

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

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

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

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

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

Emergency Accident & Sickness Medical Expenses

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Adventure Sports and Activities

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

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

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

Accidental Death and Dismemberment

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

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

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

Gear and Electronics Cover

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

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

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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.

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

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

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

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

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

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

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

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

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

World Nomads

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

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

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

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

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

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

Columbus Direct

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

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

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

Iati Seguros

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

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

Standard Plan

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

Insure My Equipment

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

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

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

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

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

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

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

Backpacking BangkokIs Thailand Safe?

Where To Stay in Thailand

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.

Aiden Freeborn

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How to Buy Thailand Travel Insurance from the US

Before the Covid pandemic, responsible travelers understood the importance of Travel Insurance. It protected you against unforeseen circumstances while outside the States. There are risks when traveling in a foreign country. Things happen. And being protected allowed people to travel with less stress.

Risk increased during the pandemic, and many countries required proof of Covid Insurance for foreigners entering their country. Thailand was one of these countries. Over time, people associated insurance with Covid, not with Travel.

2022 has seen travel restrictions ease. International travel is on the cards again for US citizens, yet the need for comprehensive travel insurance is no less than it was before, or during, the pandemic.

Travel Insurance for American Travelers

From July 1, 2022, Americans no longer need to do mandatory quarantine, provide hotel bookings, apply for a Thailand Pass, or provide proof of Covid Insurance. Vaccinated travelers will provide a vaccination certificate before boarding their flight, and unvaccinated travelers will complete an RT-PCR or Pro-ATK test before departing the US.

So why is Travel Insurance important? Foreign visitors are not eligible for free medical care in Thailand if something should happen. Whether it be an accident or personal injury, if an American needs medical help, they will need to cover any medical expenses. Depending on the severity, this could be hundreds, if not thousands, of dollars.

This is why comprehensive Travel Insurance is important. It not only covers Covid related incidents but also possible situations like:

• Medical emergencies
• Personal injury & accidents
• Missed or delayed flights
• Damage to belongings
• Lost luggage

Buying good Travel Insurance shouldn’t break the bank. Protecting yourself is much cheaper than paying medical bills, buying new flights, or replacing lost luggage. You want to budget for great experiences, not potential “what ifs”.

Get your COVID-19 Insurance here: https://u.axa.co.th/Sawasdee_Siamlegal

AXA Thailand: AXA Sawasdee Thailand

When looking for the best comprehensive Travel Insurance, look no further AXA Thailand .

AXA Sawasdee Thailand is an international company based in Thailand. They are well known and respected by Thai authorities and medical practitioners. They cater to travelers from around the world and have been helping American visitors enjoy worry-free Thai holidays for many years.

Their policies are straightforward, competitively priced, and offer many benefits in Thailand.

Benefits of AXA Sawasdee Thailand

It is possible to organize Travel Insurance through American companies, but there are many advantages to using an international company based in the country you are visiting.

Thai Approved

Using a respectable local insurance company can ease the process in the unfortunate event you need to make a claim. AXA staff are familiar with medical institutions in the country and are trained to deal directly with these institutions. AXA staff speak the Thai language and are familiar with local laws.

Using an insurance company from your local country may present issues internationally, or have certain exclusions when making a claim in Thailand. AXA Sawasdee is designed for Thailand.

Offered Packages of COVID Insurance

Many travelers have different levels of comfort for traveling and protection. AXA provides multiple packages that cater to any traveler’s needs. American travelers can choose between 2 insurance packages for their trip:

• AXA Insurance Package 1
• AXA Insurance Package 2

Each package offers a different level of cover and claim amounts.

No Waiting Period

Many insurers will have a 14-day waiting period for their conditions. This means that you either need to purchase your insurance weeks in advance or risk not being covered until the day you finish your vacation.

AXA understands US travelers want to feel safe from the moment they land in Thailand. They have removed any 14-day waiting period so that visitors are protected from day one.

Choice of Policy Duration

Many insurance companies offer limited choices for the length of their policies.

Holiday makers want to know they are covered until they safely land home, so US citizens can select the duration of their AXA Insurance policy. Whether you stay for 15, 30, 60, 90, or 180 days, you are covered while visiting. Many Americans look at Thailand as a potential relocation or long-stay destination, so AXA has coverage for those looking long-term.

AXA knows plans change, so if you decide to extend your holiday you don’t have to worry about canceling and reapplying. Just call them and extend your existing policy.

Days in Quarantine and Covid Diagnosis

If you are diagnosed with Covid while in Thailand, AXA Sawasdee Thailand covers days spent in quarantine. If you require medical attention while in quarantine, AXA Sawasdee Thailand can assist with organizing professional medical care and emergency transport.

Though many insurance companies now include Covid cover as standard practice, some companies will place exclusions if a traveler is diagnosed as Asymptomatic. This is not the case with AXA Sawasdee. You can make a claim on your policy if you are diagnosed as Symptomatic or Asymptomatic.

24/7 Dependable Service

AXA Sawasdee Thailand’s insured US travelers will have access to their 24/7 helpline. Any time of the day, helpful staff are available to address your concerns and offer assistance.

They pride themselves on the quick service you can depend on. If you need the insurance policy and certificate quickly, AXA Sawasdee Thailand can do that.

Certificate of Insurance

Foreign visitors are no longer required to provide proof that they have insurance. But in the unlikely event, that an American citizen needs to make a claim or provide insurance documents to a doctor or hospital, the last thing they want is to be searching through a multi-page policy.

American clients will receive a convenient 1-Page Certificate of Insurance when they purchase Travel Insurance with AXA Sawasdee Thailand. The certificate contains all relevant policy details and can save time and frustration in a stressful situation.

You can get a full refund of the insurance premium if the Royal Thai Embassy/Consulates do not accept your AXA Sawasdee Thailand insurance. You must provide proof that the policy was not accepted by the Embassy, e.g. a web page of the Embassy listing the requirement, or a leaflet with the Embassy header/logo.

Buying AXA Sawasdee Thailand COVID-19 Insurance

• Go to the AXA Sawasdee Thailand website and apply.
• Pick between the 2 packages: AXA Insurance Package 1 or  Package 2 .
• Pay for your policy.
• Receive the insurance policy and certificate by email moments after your payment.
• You can then print your 1-Page certificate if you like to carry a hard copy.

Tips to Validate Travel Insurance

Before traveling, it is always best to check the details of your policy. You want to make sure that:

• Incidents relating to COVID-19 are not excluded.
• Your policy covers your entire stay in Thailand.
• Your details are correct.

Americans spent a lot of time locked in their own country. Now those restrictions are lifted and paperwork removed, it is time to get back out into the world. Things are returning to normal and knowing you are covered while abroad will make it feel like Covid never existed.

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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.

with our comparison partner, TravelInsurance.com

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Sabrina Lopez is a senior editor with over seven years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she’s not working, 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:

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

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 feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

Traveling From the USA to Thailand? Here Are 3 Health Insurances to Know in 2024

Byron Mühlberg

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

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

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.

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Best Thailand Covid Insurance for Foreigners

Thailand Covid insurance is a health insurance that is mandatory for foreigners traveling to Thailand during pandemic. Just before the borders of Thailand were closed, the Thai government applied a new insurance requirement to cover COVID-19 treatment to all travelers entering Thailand.

All incoming foreign travelers must provide a health insurance policy with an insured amount of at least 10,000 USD, covering outpatient and inpatient treatment of the coronavirus type COVID-19 upon departure to Thailand. This rule came into effect on March 19, 2020.

Update! Starting from 1 July 2022 , insurance with minimum 10,000 USD coverage will NO LONGER required!

According to the Thailand Insurance Commission, COVID-19 insurance for foreigners is approved to cover travelers who pass through immigration in Thailand. The coverage should be valid for medical treatment after the diagnosis of COVID-19 infection and necessary treatment, the company should pay compensation up to 10,000 USD.

In the event of a COVID-19 illness in Thailand, health insurance should cover the costs of care and treatment by a general practitioner or specialist, the medicine prescribed by a doctor, necessary patient transport and hospitalization in a local hospital.

Thailand COVID-19 insurance policies

Health insurance policies that don’t mention the " COVID-19 " coverage may be refused. The certificate needs to state explicitly 3 conditions that the Health Insurance is for 10,000 USD or more, COVID-19 is covered and time of coverage. If your present insurance does not meet the requirements, it will not be accepted by Thai authorities and you will not be allowed to travel to Thailand.

Thailand COVID-19 insurance policy can be issued in English. If the policy is issued in another language, the policy should contain an English transcription.

Below is an example of COVID-19 Insurance Certificate

How much does Thailand COVID-19 insurance cost?

The price of Thailand COVID-19 insurance can be varying and depends on your age and how long you will be staying in Thailand. The insurance can cost anywhere from 280 THB for a 4 day stay to 100,000 THB for a yearly coverage with extra benefits.

How to buy insurance for entering Thailand?

You need to purchase COVID-19 insurance for Thailand before traveling. To find travel insurance policies that cover COVID-19 for Thailand travel is easy. There are two ways to check a health insurance policy that meets the requirements for entering Thailand:

• In person at the office of the insurance company
• Completely independently on the Internet using an online service

Keep in mind that you should also check for Coronavirus Coverage to see relevant policies and set the minimum cover to at least 10,000 USD. The purchased online and then printed insurance policy is accepted by Thai embassies or consulates.

Thai insurance companies are offering  Thailand COVID-19 insurance for foreigners and the policies are tailored according to the government's requirements and therefore are accepted by Thai authorities with no trouble. Getting Thai insurance policy is easy as you can conveniently buy Thailand COVID-19 insurance online with credit card and the insurance policy and COVID-19 certificate will be sent to you instantly .

What is the best Thailand Covid insurance?

The  best Thailand Covid insurance  policies are listed below.

1. Sawasdee Thailand by AXA

Sawasdee Thailand is the special Covid insurance package offered by AXA Insurance . This inbound Thailand travel insurance was successfully used by thousands of travelers to enter Thailand during COVID-19 pandemic as it meets all the requirements:

• Meets 10,000 USD health insurance requirement of application for Thailand Pass
• Period from 7 days up to 180 days, for you to choose depending on visa type and duration of the trip
• Coverage starts immediately after clearing immigration in Thailand
• AXA Sawasdee Thailand is a comprehensive travel insurance covering NOT only Covid-19 medical expenses but other sicknesses, accidents and trips
• Insurance certificate including COVID-19 coverage statement is provided (this document needs to be submitted when applying for Thailand Pass)
• No waiting period, no deductible, no advance payment for hospitalization
• Large hospital network throughout Thailand and 24-hour hotline service.

The price of AXA COVID-19 insurance depends on the length of travel period, age and country of departure (Low Risk Zone, Medium Risk Zone or High Risk Zone). The price can be calculated and insurance can be purchased online here: Sawasdee Thailand .

Get AXA COVID-19 Insurance

To make sure that you are getting a good deal for COVID-19 insurance, you might wish to compare several offers .

2. Tune Protect iPass

Tune Protect Thailand is another Thai insurance company offering a very popular solution for satisfying Thailand COVID-19 insurance requirement – Tune Protect iPass . The insurance covers the entire period of stay in Thailand of the insured person. A variety of packages is offered in accordance with the insurance plans and the periods of stay in Thailand.

This Thailand inbound travel insurance policy can be easily bought online and covers COVID-19 treatment for more than 10,000 USD.

Get Tune Protect COVID Insurance

3. Allianz International COVID Insurance

Allianz International COVID-19 Insurance that fits Thailand entry requirements can also be easily purchased online via Thai insurance broker Mister Prakan .

Main benefits of Allianz International COVID Insurance for foreigners entering Thailand:

• Insurance certification for COVID-19 will be provided along with your policy so you will be able to show this to the immigration when entering Thailand.
• The policy covers the medical expenses of COVID-19 or Coronavirus as required by the Thai government for those entering Thailand.
• No waiting period. The coverage will start as soon as you leave the country of the departure point or as soon as you reach the Thai immigration points.
• Medical expenses cover, accidental cover, third-party cover, luggage insurance, 24/7 emergency assistance coverage.

Get Allianz International COVID Insurance

4. LUMA COVID Insurance

Please be noted that all COVID policies from LUMA are insured by Tune Protect Insurance therefore you should choose one of the plans from Tune Protect Insurance .

Get COVID Insurance

COVID-19 Insurance for Thais entering Thailand

Thai nationals don't need COVID-19 insurance for entering Thailand according any of the new Thailand reopening schemes.

For more detailed information in Thai, you can find here: COVID-19 Insurance for Thais entering Thailand

Cost of COVID-19 medical treatment

Diagnostics for the presence of coronavirus by PCR for foreigners in Thailand can cost from 3,000 THB to 14,000 THB, depending on where you are tested. For those who meet the PUI criteria, the government will support the cost of diagnosis (either public or private hospital).

The cost of treatment for coronavirus in hospitals in Thailand ranges from 700 USD to 1,000 USD per day, depending on the hospital. There may also be additional costs of staying in the intensive care unit (ICU). For foreigners who are positive for COVID-19 (SARS-CoV-2 infection), the cost of treatment will be covered by the health insurance package. Thai people who tested positive for COVID-19 are responsible for the cost of the treatment by themselves through their health insurance or gold card.

Others requirements to enter Thailand

Non-Thai nationals who are permitted to enter Thailand must have the following documents to enter Thailand:

• Valid visa or re-entry permit (or right to use visa exemption )
• Thailand Pass
• Health insurance policy which covers treatment and medical expenses in relation to COVID-19, with a minimum coverage of 10,000 USD
• COVID-19-Free Health Certificate with a laboratory test result indicating that COVID-19 is negative, using RT-PCR method, which has been certified or issued no more than 72 hours before departure (not required for fully vaccinated travelers from 1 April 2022)
• Confirmation of AQ Hotel booking for 5 days under Alternative Quarantine (AQ) program  (only for unvaccinated travelers with no negative RT-PCR test result before travel)

General information about Medical Services in Thailand

Medical services in Thailand are some of the best in Asia so you don't have to worry about your health when you have a health insurance for treatment and related costs in case of an unforeseen situation.

There are about 400 hospitals in Thailand that are accessible to anyone and most of them offer high standard medical services. Moreover, most of the clinics with all the necessary equipment are located in large cities. In the tourist areas you will find many international clinics. In rural areas, it is still not hard to find local clinics, so basic care is definitely available everywhere. They can provide any qualified assistance and conduct an examination.

Furthermore, if you need any medications , you can buy them freely at any pharmacy at low price. Almost all medicines in Thailand are sold without a prescription.

Medical services are generally cheaper in Thailand, but the bill can add up quickly when you go to private hospitals. Bills from doctors and hospitals in Thailand must be paid immediately in cash or by credit card. You can then get the costs reimbursed in most cases if you have an appropriate insurance covering traveling abroad.

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Visiting Thailand? The Government Covers Your Medical Bills for Accidents

Peden Doma Bhutia , Skift

June 25th, 2024 at 8:07 AM EDT

No one ever wants anything to go wrong while traveling, but if it does, Thailand has you covered.

Peden Doma Bhutia

Thailand on Monday announced the extension of its free insurance scheme for international tourists until the end of 2024. This initiative provides international tourists with medical coverage of up to THB 500,000 ($13,650) for accidents or natural disasters.

Earlier this year, the Thai government introduced the scheme with a budget of THB 50 million ($1.4 million) to cover medical expenses for tourists. The policy includes compensation of up to THB 1 million ($27,300) in the event of death, and up to THB 300,000 ($8,187) for incidents resulting in loss of organs or permanent disabilities.

The scheme was originally set to expire in August and has now been extended until December 31.

Rising Medical Costs

Thailand, a popular destination among backpackers and adventure enthusiasts, has faced challenges with tourists incurring substantial medical bills due to inadequate insurance coverage.

Through this insurance scheme tourists would be allowed to claim medical expenses within 15 days of an incident and the compensation is expected to be paid within 15 days thereafter.

While introducing the scheme in February this year, the tourism ministry had also launched the “Thailand Traveler Safety” system, enabling foreign tourists to register online for protection and coverage prior to entering the country.

The extension of this scheme comes in the wake of reports highlighting the need for comprehensive medical coverage for tourists. In December 2023, an Irish tourist hospitalized with sepsis and kidney failure after a mosquito bite faced a THB 6.6 million ($180,131) medical bill.

Tourism Target

Thailand aims to generate THB 3.5 trillion ($96 billion) in revenue this year, with THB 2.5 trillion ($68 billion) expected from international tourists. The country is working towards creating a new tourism ecosystem focused on high-value experiences and sustainable tourism, with a goal of having the industry account for 25% of GDP by 2027.

In 2023, international arrivals reached 28 million, still below the pre-pandemic record of 39.8 million. This year, Thailand aims to have 40 million foreign tourists.

In a bid to attract more tourists, Thailand recently announced a slew of visa measures. Earlier this month, the government also scrapped a proposal to impose a THB 300 ($8.20) tourism fee on international tourists arriving by air.

At the time of announcing the tourism fee the Thai government had said it intended to use the revenue from this fee to fund the tourism insurance scheme and alleviate its financial burden. The government has said it spends approximately THB 300 million-400 million ($8.2 million-$11 million) annually on healthcare for injured tourists.

Fighting Overtourism

However, alongside its ambitious goal of attracting 40 million tourists, Thailand faces the significant challenge of overtourism. Popular destinations like Bangkok, Phuket, and Chiang Mai often experience overcrowding, leading to strain on local infrastructure, environmental degradation, and diminished tourist experiences.

To avoid the pitfalls of overtourism, Thai Prime Minister Srettha Thavisin recently called on governors of 55 second-tier tourist provinces and Thai tourism authorities to develop infrastructure and tourism offerings in these areas.

As part of the “Ignite Thailand” vision, Thavisin emphasized the importance of promoting travel linkages between well-established and second-tier destinations. This strategy aims to distribute tourist crowds more evenly across the country, reducing pressure on popular hotspots while spreading the economic benefits of tourism to less-visited areas.

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Our daily coverage of the global travel industry. Written by editors and analysts from across Skift’s brands.

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Tags: asia monthly , bangkok , medical tourism , overtourism , phuket , thailand , travel insurance

Photo credit: Thailand on Monday announced the extension of its free insurance scheme for international tourists. Marco Nurnberger / Flickr Commons

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