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COVID Insurance for Foreigners in Thailand

IMPORTANT: For Thailand Travel Restrictions in 2023, please click the link below:

Thailand Travel Restrictions 2023

Required Documents for Travel to Thailand

Please have the following documents ready.

• Visa (if required)
• Buy Thailand Travel Insurance
• Flight Itinerary
• Hotel booking confirmation
• Vaccination record (if vaccinated)
• COVID-19 test result (if unvaccinated)

Incorrect documents will delay the entry screening to Thailand.

Buy Your Insurance Now

Travel Insurance to Enter Thailand

With Thailand very slowly reopening to visitors, one of the latest requirements for visitors is the mandatory COVID-19 insurance plan for foreigners that covers the traveler for a minimum of $10,000 (the Thai policies generally cover 350 thousand Thai baht). In addition to all the requirements, the traveler needs to obtain a Thailand Pass and a valid visa. This health insurance is another level of security to make sure that the traveler can cover all costs in case they are diagnosed with or die from COVID-19 during their stay in the kingdom.

Thai immigration officials are notoriously fastidious when it comes to paperwork, and will only accept policies from certain providers. Luckily, a consortium of insurance providers in Thailand offers COVID-19 insurance for foreigners planning to visit Thailand which will be accepted by immigration, and these policies can be purchased easily online. Although this could be seen as another opportunity to make some easy profits for the insurers, the policies are quite reasonably priced, depending on a few factors; let’s take a closer look.

Why is COVID-19 Insurance Required?

Whilst it may seem like just yet another hassle for beleaguered foreigners wanting to enter the country, there is good reason for the government to implement this requirement. One of the main reasons is that almost all standard health and travel insurance policies will not cover the insured against pandemics, hence will not cover you for anything to do with Covid-19. And with the costs of hospital treatment and possible repatriation, especially when considering the additional quarantine requirements to do with COVID-19, the Thai government is concerned about being lumped with a huge number of unpaid hospital bills from foreigners who come down with COVID-19.

The public health ministry of Thailand has quoted a figure for unpaid hospital bills of 448 million Baht ($14.9M) for the year up to September 2019, a huge sum. And with the threat of the coronavirus, they are concerned about this and don’t want to be stuck with another huge bill right when the economy is struggling because of the effects that the virus has had on tourism and exports. In essence, the requirement to hold one of these policies is an additional layer of security for the Thai government who is already dealing with a hammered economy as a result of the outbreak and subsequent decimation of the tourism industry which provided around a fifth of the country’s GDP.

What is the COVID-19 Coverage?

The COVID-19 insurance policy will cover the costs of isolation, quarantine, testing, and treatment, and the possible costs of repatriating your body in the unfortunate circumstance of you succumbing to the virus whilst in Thailand. It will also cover the cost of any medications prescribed to you as a result of being infected with the virus. The more comprehensive policies will also cover you for any losses incurred as a result of you catching COVID-19 such as lost travel bookings and trip cancellation or curtailment, be sure to check the small print of any policy before purchasing and, as always with insurance, don’t just opt for the cheapest policy.

Ultimately, most of these specialized insurance policies will comprise of three key components:

• Medical coverage. As mentioned this is a comprehensive package with a cap of a minimum of $10,000, covering all treatment costs associated with being infected with the COVID-19.
• Life insurance coverage. In an unfortunate circumstance of the insured dying from their confirmed COVID-19 infection, this covers them for a total of $10,000 which will be paid to the beneficiary stated in the policy.
• Any additional, unforeseen out-of-pocket expenses that arise as a result of you being infected with the virus. This could include lost travel bookings, flights, or any other expenses that arise from travel disruption or curtailment because of you becoming infected with the virus.

You must ensure that you retain the certificate of insurance as this will need to be shown to prove that you have the coverage, without it, you will not be granted entry into the country. Also, it should be noted that this policy will be in addition to any general health insurance policy that you may require to obtain your visa or retirement extensions.

COVID-19 Travel Insurance for Thailand

Unlike the mandatory health insurance for retirees, the COVID-19 insurance may be provided by an international insurance provider or by Thailand-based insurance providers. One of the COVID-19 insurance providers is AXA Thailand. They provide Inbound Travel Insurance for those who wish to secure Travel Insurance that covers COVID-19 as required for inbound travelers.

How To Purchase COVID-19 Travel Insurance?

This insurance is required to be allowed into the country so you will be purchasing this before you travel. The easiest way to buy your policy is online from one of the above providers who will then provide you with the all-important certificate of coverage to present to the authorities when you arrive (and you will also need to present it to the airline before they will allow you onboard). It’s quick and easy to do online, and you can choose your length of policy from 30 days to one year. Be sure that the policy covers the entire period that you are planning to stay in Thailand or you may be refused entry.

You may purchase COVID-19 travel insurance within a few minutes. Check the link below:

COVID Insurance Thailand Cost: Is It Expensive?

In a word, no, but it depends on a few factors. Although this is yet another burden and expense for foreign citizens trying to enter Thailand, it’s quite affordable. You can expect premiums to start from as little as 999 Thai baht for a policy. For the tourist visa or the non-immigrant visa application, the 90-day insurance coverage will cost 2,500 baht to 14,000 baht. As with all insurance policies, the premium will be determined by your circumstances, in this case, one of the most important factors is whether the country you are flying from is considered to be high or low risk for the virus.

Get your COVID-19 travel insurance for Thailand within few minutes.

Thailand COVID Insurance Requirement

The Thai Government has made it mandatory that foreign citizens entering Thailand have insurance coverage in case of medical needs during their stay. The insurance coverage becomes effective immediately upon your arrival in Thailand. Several foreigners have been reported to test positive for COVID-19 during their stay at the ASQ Hotel in Thailand . The COVID-19 Insurance Thailand for Foreigners completely covers their medical costs up to 350 thousand THB. You can purchase the insurance online in minutes using the Buy Now feature below. You will immediately receive the policy by email.

The cost of treatment for COVID 19 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, the cost of treatment and other medical expenses will be covered by the travel health insurance package. It is important to make sure that your insurance for Thailand covers the whole duration of your stay. Therefore, it is essential to purchase the best and reliable COVID 19 travel insurance for foreigners entering Thailand.

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164 Comments

Me and Husband will be travelling to Thailand from 5th to 13th November. My husband and me have already paid for insurance with airlines. Do we need to buy additional insurance?

Dear Supriya,

The travel insurance you bought from the airline will be enough. Thank you.

Hi i’m visiting thailand for 8 days, but insurance package from AXA Thailand only provide 7 days or 15 days protection. is it ok if I only purchae the 7 days insurance since the price is doubled if I purchased the 15 days one. thanks

Hi Michella,

Yes that’s okay, but your eight day will not be covered.

For more information about travel to Thailand, please check this link: https://www.siam-legal.com/legal-guide/how-to-enter-thailand-2022-guide.pdf

I want Travel Pass Insurence for One Day , will be visiting bankok as Lay over time is about 18 hrs. Suggest best deal

You can get and check AXA, one of the most recommended https://direct.axa.co.th/TA-Inbound/CoverageOptionPlan?utm_source=Agent_Partner&utm_medium=Direct_SiamLegal&utm_campaign=Sawasdee_SiamLegal

Hello I am flying to Oman from Japan through Bangkok and will be at Suvarnabhumi airport for 5 hours. I took three vaccination shots. Do I still need to get the travel insurance and PCR test?

If you are fully vaccinated, just present your vaccination certificate and passport as requirements.

I am flying to Oman from Japan (Kansai airport) through Bangkok and will be at Suvarnabhumi airport for 5 hours (transit). I had three vaccination shots. Do I still need to get the travel insurance and PCR test?

Travel insurance is not compulsory but still highly recommended.

can you help me explain what are the requirements for entering Thailand? because I have plans to go to Thailand at the end of this month I’ve been vaccinated 3 times, I’ve booked a hotel

Is it mandatory to buy travel insurance?

Insurance is not compulsory but still recommended.

In terms of the dates to be indicated, do we only put the date range of our travel (i.e. Sept 5 to 11)? And if yes, would the insurance still covers us in case of hospitalization in Thailand starting Sept 11 onwards?

You can put your coverage atleast more than the days of your travel, so just incase anything happen afterwards you are still covered.

hello, I’m planning to take my family on vacation to Thailand next month.. my wife and I have been vaccinated 3 times, but my son, who is 3 years 5 months old, has not been vaccinated.. Can my child enter Thailand, or do I still need to do a PCR test for my child?

That would be fine, your children can enter without test if the parents are fully vaccinated.

Hi! We are travelling to Thailand in November this year from Holland with a stop over in Saudi Arabia. We have an international health travel insurance. Do we still need to get a Thailand Pass to enter Thailand? Hope to hear from you soon. Best, Valery

Insurance is not compulsory but still highly recommended.

I am flying to Sydney from London through Bangkok and will be at Bangkok airport for only 2 hours. I am 75 and am as vaccinated as it is possible to be 3rd booster shot was on 14th June prior to leaving Australia. I have never had Covid but take all precautions -masks, hygiene, social distance and full vaccination. Do I still need to get the travel insurance to get this Thailand Pass. (If it is that dangerous I will cancel the flight and rearrange my stopovers to avoid Thailand!)

Insurance is not compulsory but highly recommended.

hello! just transiting thru BKK but thinking of doing a layover tour. Still need insurance? Thanks.

It’s not mandatory but still highly recommended.

Hi I am a resident of Australia and travelling with my family of five via Thai Airways and making international transit through Bangkok. Is it mandatory to buy travel insurance, even though our transit stay is not more than 4 hours. Appreciate your quick response.

It’s not compulsory, but still highly recommended.

If I am already in Thailand and need a Covid-19 Insurance with immediate effect on the date of purchase, what would I do, where would I buy?

You can check AXA here’s the link https://direct.axa.co.th/TA-Inbound/CoverageOptionPlan?utm_source=Agent_Partner&utm_medium=Direct_SiamLegal&utm_campaign=Sawasdee_SiamLegal

I have a question iam traveling from Brisbane to Bankok and from Bankok Back to Brisbane is it necessary and when I buy a insurance can that be everything online and how long would it take time.

Insurance is not compulsory but still highly recommended. You can check this https://direct.axa.co.th/TA-Inbound/Index?utm_source=Agent_Partner&utm_medium=Direct_SiamLegal&utm_campaign=Sawasdee_SiamLegal

To be clear, a U.S. citizen will only need:

1. Valid passport 2. Vaccination records for COVID 3. Travel itinerary in Thailand with hotel confirmations

…to enter Thailand for a 3-week vacation, beginning in late October 2022? Thanks for your assistance.

Yes,you’re right. you can also include insurance if you want for safety, it’s not mandatory but highly recommended in any cases happen.

are singapore travel to thailand need covid insurance ?

Insurance is not compulsory but highly suggested.

Hi im travelling to Phuket from Malaysia on Aug 2 Can you advise me what do i need? do i need the travalling insurance and the Thai pass?

Hi Sunantha,

Thailand Pass has been waived and Insurance is not compulsory but highly recommended.

Hi if I stay in Thai airport for 4 hours 30 minutes transit .. I need travels insurance? I’m Bangladeshi and my destination South Korea

Insurance is not compulsory but still hight suggested.

Hi. I will be travelling from the UK to Philippines transiting via Thailand. Do I still need PCR and Travel insurance?

It is not mandated but we still highly recommended.

Hi. Is Thai pass still a requirement afterwards July 1st?

It’s no longer required.

I will travel to Melbourne AUS through Bangkok (2 hours transiting) on 2nd July 2022. Do I need to buy the insurance? Thanks.

It’s an optional.

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

Yes, you’re right. But we still highly recommended, better for your security. Thus, it’s up on you, it will be optional.

I am flying from Germany and transit in BKK with 2 kids (8 and 12 Years Old) 4 Hours Layover on 02.July.2022. Do I still need to purchase Insurance?

Insurance is optional starting on July 1st.

Is entering to Thailand the Covid travel insurance still requirement after July 1?

No, it’s optional starting July 1.

Good day, Please advise how accurate the Thai Pass Medical insurance cover must be. I have a quote for £8m (which with todays exchange rate is cover of USD 9 841,960.00) but this is not quite USD10m. I do not want to purchase the insurance cover and it is rejected by the Thai Travel Pass authorities and approval to travel is not given. (Traveller unfortunately is older than 74 yrs so cannot use the AXA insurance recommended). Thank you for advice please.

You can still check AXA what travel plan is better on your case.

Hi there, Why do we need to buy this for layovers? The terms of the insurance clearly state that coverage only starts after clearing immigration, which does not apply to passengers who are not going through immigration.

Yes insurance still required for layover.

Is AXA your only insurance provider for travel insurance? I was trying to buy for my 78-year old mother but the coverage covers only those born as early as 1947. What about those born earlier than 1947?

AXA is one of the best recommended provider. You can check your case with them, so they can give you better offer plan.

On a flight between Vienna and Sydney Australia,I will be transiting via Bangkok airport. Transit time is 2hrs arriving and departing on June 28/22. Do I still need travel insurance.

Is Thailand dropping the Covid travel insurance requirement starting July 1? Would that apply to transit passengers too?

Effective on July 1, it will be optional.

Hi, I am just transiting in Bangkok for 3 hours for my next connecting flight, do I need to purchase covid-19 insurance?

Hi I am a Singaporean citizen and fully vaccinated against COVID-19 I will be using Bangkok airport as a transit only . Do I need an insurance as I will remain in transit area only before I will take a next flight?

Yes, if you will enter for the month of June. If on July, it will be optional.

Thx for your answer, but i read everywhere that traveller need 10 000 $ insurance coverage, not 100 000 $. Excuse me for my insistence, but it’s really not clear and all insurances offer coverage of $10,000 for Thailand. So is it 10 000 $ or 100 000 $ ?

Hi Mathieu,

Yes it’s only USD 10,000

Hello,I am Theingi from Myanmar. I would like to know that is I will travel from Myanmar to Phuket and still 2 months.So do I need to buy insurance for 2 months or 3 months??

Your insurance should cover the length of your stay, but it still depending on you if you plan to add extension.

Hi, i asked visa and they ask 100 000 $ coverage for a non-O Visa. This is normal ?

Yes, that is the minimum requirements for all foreign travelers.

I have a O visa, and when I was at the Thai imagration office in Summit prakan they told me I can go in and out of Thailand without having covid insurance. Is this true? I do not want to get stuck at the airport. If it is true then how do I fill out the Thai pass

Hi Richard,

For all foreign traveler, they are require to get travel insurance with covid medical coverage of USD 10,000

hi, can foreigners buy this insurance? Thank you.

Yes, go on this site https://direct.axa.co.th/TA-Inbound/CoverageOptionPlan?utm_source=Agent_Partner&utm_medium=Direct_SiamLegal&utm_campaign=Sawasdee_SiamLegal

Hello, does Bangkok accept international insurance that i purchase from traveloka? in the term (detail of product) i dont see about covid cover. thanks

Hi Junaidi,

That’s okay , but it should meet the requirements for covid medical coverage of USD 10,000.

Hi. I am going to Thailand for a two-year Masters program. Do I need to buy the USD 10000 worth insurance from insurance agents in my home country or from a Thai service provider? Please help me.

One of our most recommended is AXA, here’s the link https://direct.axa.co.th/TA-Inbound/CoverageOptionPlan?utm_source=Agent_Partner&utm_medium=Direct_SiamLegal&utm_campaign=Sawasdee_SiamLegal

However, you can still get in any provider of your choice that would meet the requirements for covid medical coverage of USD 10,000.

Hello Can you tell me If I have Certificate of insurance Coverage with Respect to Overseas Travel Insurance Can we use it ,instead . Do I need to buy for Thai insurance ? Thanks

Your insurance should meet the requirements for covid medical coverage minimum of USD 10,000.

I am an expat living in Thailand for many years, but will travel outside of Thailand for 2 weeks next month. How do I buy Covid insurance that will allow me to reenter the country? These insurance say you cannot buy them if you live in Thailand.

Click this https://direct.axa.co.th/TA-Inbound/CoverageOptionPlan?utm_source=Agent_Partner&utm_medium=Direct_SiamLegal&utm_campaign=Sawasdee_SiamLegal .

I am having trouble getting insurance because aged 77 years need help

Hi Leonard,

You can contact the insurance provider, open this page https://direct.axa.co.th/TA-Inbound/CoverageOptionPlan?utm_source=Agent_Partner&utm_medium=Direct_SiamLegal&utm_campaign=Sawasdee_SiamLegal

Hi, is it still necessary to have an insurance that cover min. of 10,000 USD for COVID or no more covid insurance necessary? Thanks

Covid insurance was still required.

We have our own BUPA insurance coverage and it covers most of those required.

Can we use that instead?

Yes, that would be fine as long there’s a covid insurance coverage minimum of USD 10,000

do i need health insurance for transiting through Thailand?

Yes still needed.

Does Baby 10 month old need to buy the travel covid 19 insurance to enter thailand?

Hi Kristabella,

Yes , you can avail here https://direct.axa.co.th/TA-Inbound/CoverageOptionPlan?utm_source=Agent_Partner&utm_medium=Direct_SiamLegal&utm_campaign=Sawasdee_SiamLegal They cover age of 6 months and above.

I’m flying to Thailand from UK mid July and returning to UK mid August from Thailand but I want to visit Vietnam for a break in the interim. Will my Thailand covid medical insurance cover me for full month I’m in Thailand or will I have to renew it when I re-enter Thailand from Vietnam.

AXA can be use for single entry only.

Hi What is the excess you have to pay on these insurance policies ?

Excess in what policy please?

How much insurance coverage should a student going on a student visa need for the Thai Pass? Thanks

All foreign travelers are required to get a minimum coverage of USD 10,000 for their covid insurance.

Hi Rex, Do I need insurance for just flight exchange?? I will be staying in Bangkok Airport for just 2 and half hours. Thanks

For layover, yes still recommended.

Hello…I have a extremely good insurance that covers covid 19 worldwide and up to 15 million in medical expenses for my entire family…do I have to buy additional insurance from a Thai company… I find that very odd and seems like another money scam to help the Thai insurance companies…:)

You can use it , if it has coverage for covid medical treatment.

I’m travelling from Melbourne to London via Thailand. I will be waiting 8 hours in the airport between my flights. Do I still need insurance?

Hi there, My credit card has complimentary travel insurance with no cap on medical expenses. Does it satisfy the entry requirement or do we still need COVID-specific travel insurance?

Hi Randall,

It should have covid insurance with a minimum coverage of USD 10,000.

Hi Rex, My Wife and I are both aged 75. We have previously bought Axa Thailand Covid Insurance for previous 60 day Tourist Visas but cannot do so now because of our ages. The drop down length of stay on the covid 19 tgia.org website only allows for a 30 day Period of Coverage. What other reputable Insurance Companies would cover over 75s with Tourist Visas please?

Please check this site https://direct.axa.co.th/TA-Inbound/CoverageOptionPlan?utm_source=Agent_Partner&utm_medium=Direct_SiamLegal&utm_campaign=Sawasdee_SiamLegal

Do we need a covid insurance even if we are transiting passengers (5 hrs)? Travelling to India from Melbourne in July and returning via the same route on Thai Airways (only transit in BKK) Also I understand there is a free covid insurance for Australian passport holders travelling on Thai Airways, does that apply to NZ passport holders too?

Thanks in Advance

Yes, with a minimum coverage of USD 10,000.

Hi there I am travelling SYD-LHR via BKK and will be in the city for less than 24 hours on 6 june 2022. Do I still have to buy the covid19 medical insurance or is there a waiver for people transiting? I have my own travel insurance but it does not cover the virus.

Hi Georgie,

Yes, still recommended to have covid insurance for transited flights .

Rex, I’m 74 and reside in Thailand with ‘O’ visa (1 year). I just travelled and had to buy travel insurance for return. I’m travelling again in June so knew the interval of my stay in Thailand. I travel frequently but irregularly. I’m confused that I need travel insurance to return to my home (where insurance is not required). How can I buy a policy in thailand that covers frequent exit/entry and living in Thailand?

Travel insurance with your covid coverage is just a single entry.

I am a US CZ traveling to thailand June 24-27 2022. I have proof of my health insurance from America. Would that be sufficient or do I still need to buy additional health insurance policy to enter Thailand? I have already been approved for the Thailand pass by providing health insurance from America. Thank you!

Hi American tourist,

It should have covid medical coverage minimum of USD 10,000.

Hi, I plan to travel to Thailand from India, stay for 15 days, go to Cambodia and come back to Thailand for a week before flying back to India. As an Indian citizen, I am eligible for a 15 day visa on arrival, and since I will be entering the country 2 times, I will be applying for the visa on arrival and Thai pass 2 times.

The entire duration of my travel will be 28 days. Would it work if I purchased a 30 day covid insurance and use it for both the times I apply for the Thai pass or would I be required to purchase 2 policies of 15 days each before each entry to Thailand.

Yes, separate every entry.

Do I need Thailand Insurance for COVID even if I am in transit at Bangkok airport?

My Birthday is 07/11/1940 I frequently travel to Thailand 2 times a year this year I will travel to Bangkok late June for 4 weeks and than again mid November this year again for 4 weeks I have the Australian Government COVID pass and I have my personal Goverment Antigen Rapit Test { Nasal Swob Please send me costing for your Travel Insurance Peter Schmidt

For foreign traveler, we highly recommended AXA for travel insurance with covid medical coverage https://direct.axa.co.th/TA-Inbound/CoverageOptionPlan?utm_source=Agent_Partner&utm_medium=Direct_SiamLegal&utm_campaign=Sawasdee_SiamLegal

Hi There My mum is going to transit from thailand. She is coming from melboune and going back to Turkey however in transit she will be in Bankhkok for 3 hours. Does she need a covid insurance just for transit

Hi Melissa,

Do you accept family plan for travel insurance?

Hi William,

Yes, make sure all names of members were included in the certificate.

Hello! Would you please advise if i still need an insurance, even just transit for few hours in Thailand, not entering the nation.

Do you accept a family insurance plan?

Yes, Check here https://direct.axa.co.th/TA-Inbound/CoverageOptionPlan?utm_source=Agent_Partner&utm_medium=Direct_SiamLegal&utm_campaign=Sawasdee_SiamLegal

Do children under 18 also need travel insurance? Thanks!

Dear Jessica,

Foreigners whether child or adult are required to have COVID insurance in order to get approval of Thailand Pass. Thank you.

My birth date is 1 August 1940 & my wife’s is 24 June 1945. The AXA insurance site does not allow for these older birth dates. What do we do?

We depart Australia on 1 July 2022 & depart Thailand for Australia on 30 July 2022.

We will be 29 nights in Thailand.

Please advise.

Dear Donald,

You may check this page as alternative: https://covid19.tgia.org/ Thank you.

I am 75 years old,coming from Spain in may.Do you have the mandatory $20.000 insurance for me for a period of about 2 weeks?

Yes, you still need to have a COVID insurance in order to get a Thailand Pass. You may get an insurance for 75 years old or above on this page: https://covid19.tgia.org/ Thank you.

Hi. I’m from MALAYSIA. Can I use my own MALAYSIA’s insurance to apply the Thailand Pass ?

Your insurance policy must have cover for Covid-19 and hospital expenses in Thailand.

Hi Rex, as a Turkish citizen who is Special passport holder which is allowed for 90 days without visa by Thai government; if I only wanna stay there like 30 days, should I still buy 60 days insurance or 30 is enough? And is return/out ticket from country is mandatory? Big thank you.

Good day. If you have a return flight, you can buy an insurance valid from date of entry and date of exit from Thailand. Yes, exit flight is required to determine the validity of the insurance that you need. To buy the insurance, please visit http://www.siam-legal.com/axa-insurance

Hi Rex, can I use the COE COVID-19 insurance to apply for the Tourist Visa (60days)? Are they the same? Thanks!

Dear Delson, Good Day! Yes, you can use the same insurance. You just have to make sure that the insurance will cover the validity of your visa or your stay in Thailand. To purchase the correct insurance please go to: http://www.siam-legal.com/axa-insurance Thank you!

I am entering on a Non immigrant B visa which is valid for 1 year.

Can I enter with 90 days insurance and renew it when I am in Thailand? Or do I have to have a 1 year insurance in order to enter Thailand?

Dear Zach, Good day. If your 1 year non immigrant B visa was issued by a Thai Embassy with multi entries, you are only permitted to stay for 90 days per entry correct? You can use a 90-day COVID 19 Insurance. Please check this page to purchase the insurance: https://www.siam-legal.com/axa-insurance Thank you.

The AXA website isn’t working

Dear Jacky, Good day. I checked the links on this page, the links are working. Thank you.

Thanks for awesome and timely responses to questions on this platform

If I want to travel to Thailand from Nigeria for an holiday. What’s the procedure. Thanks

Dear Adediran, Thank you for your comment. Please check our Guide on How to Enter Thailand in 2021 on this page: https://www.thaiembassy.com/travel-to-thailand/how-to-travel-to-thailand-in-2021 Have a good day.

Hello, Is it really necessary to purchase this insurance *before* submitting the “Pre-approval” COE application? This seems risky. I am from a visa-exempt country, but if my application is rejected for some other reason, I will have wasted the money spent on the premiums.

Dear Michael, Good day. Yes, on the part one of the COE Application, the insurance is required. If you are going to apply for the Visa Exemption, it is very likely that it will be approved as long as your have a flight exiting Thailand within 45 days, you have an ASQ and your Insurance is valid for 60 days. Thank you.

Hi there Please contact me I need coe visa Thanks

Dear Fadil, Please check this page: https://www.thaiembassy.com/thailand-visa/coe-thailand It has a comprehensive instruction on how to apply for COE. Thank you.

I have sent relevant pages to COE my Insurance Certificate, clearly sets out, that it cowers 100,000 USD For Covid -19 Just received, notification my application has been rejected, in reference to above, not sure, what to do, wont help to send Certificate again. Kind regards Leif

Dear Leif, The only wait this insurance will be rejected is for the reason that your visa is under category O-retirement or category OA or OX visa. Thank you.

Hi I’m traveling from US with my 15-year daughter to Thailand. Can you please confirm if I and my daughter can be quarantined in the same room ?

Dear Kulwant, Good day. Yes, parents and children can stay in one room. You may consider a Family Room. Please check this page for more information: https://www.thaiembassy.com/asq-hotels/courtyard-by-marriott-bangkok Thank you.

when can i come to thai;and as a vistor and a hoiladay

Dear Mick, You may now travel to Thailand for holiday. You can apply for the 45-day Visa Exemption and COE. Please check this page for the information: https://www.thaiembassy.com/thailand-visa/coe-thailand Thank you.

I come on a tr visa to Thailand and want to switch to ed visa for one year. Can i get a covid insurance for 90 days, and when i switch to ed visa in thailand a insurance for 365 days?

Dear Pieter, Yes, 60-day or 90-day COVID 19 insurance is enough for your visit to Thailand. Once you have successfully entered Thailand, if you wish to switch to ED visa, the COVID 19 insurance will not be required by the local immigration office. Thank you.

And what if have tr visa and change to ed visa, and stay for one year then it will be expensive?

Dear Pieter, You only need the COVID 19 insurance for the duration of your TR visa. In that case, you only need 60-day insurance policy. Thank you.

hi i am looking to have a health insurance for 60 days that cover covid 19 for visiting thailand

Dear Os, Good day. You may purchase COVID 19 Insurance and receive the certificate within minutes. Please check this page: https://u.axa.co.th/Sawasdee_Siamlegal Thank you.

Hello. Do i need to print out all the certificates, ir just by having them on My phone (digital) is enough?

Better to prepare hard copy , it makes your transaction faster.

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• Travel Insurance for Thailand

On This Page

• Key takeaways

Do I need travel insurance to visit Thailand?

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

Travel Insurance for Thailand: US Visitor Requirements & Tips

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

One taste of Thailand’s exquisite food or a brief visit with a friendly local and you’ll immediately see why this beautiful, culture-rich country is the eighth most-popular tourist spot in the world . 

But before you exchange your dollars for baht and prepare to down endless bowls of Tom Yum, it’s important to learn how you can protect yourself while you travel. That means looking at travel insurance for Thailand and seeing what is and isn’t covered.

To help you understand your options and which type of Thailand trip insurance is best for you, this guide will cover a variety of topics, including:

• Thailand travel information and requirements
• If you need travel insurance to visit Thailand
• What travel insurance for Thailand covers

Our top picks for the best travel insurance for thailand

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

Seven Corners

John hancock insurance agency, inc..

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

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

Best Rated Travel Isurance

Why we like it.

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

Best Value for Medical Emergencies

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

Best plan for a Solid Coverage

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

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

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

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

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

Is it safe to visit Thailand?

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

When is the best time to visit Thailand?

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

Risk of insect-borne diseases

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

Extreme weather conditions

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

Petty theft and pickpockets 

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

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

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

Trip cancellation insurance

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

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

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

Trip delay insurance

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

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

Trip interruption insurance

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

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

Travel medical insurance

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

Medical evacuation insurance

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

Insurance for personal items

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

Rental car coverage

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

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

Other things that may not be covered include:

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

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

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

We applied these details to our quotes:

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

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

Example Where Plan Doesn’t Reimburse the Full Trip Cost

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

Example Where Plan Does Reimburse the Full Trip Cost

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

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

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

Then, follow these tips:

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

Do I really need travel insurance for Thailand?

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

Is health insurance still required in Thailand?

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

What is the best health insurance in Thailand for foreigners?

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

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Top Travel Insurances for Thailand You Should Know in 2024

Byron Mühlberg

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

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

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

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

Thailand Insurance Profile

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

Best Travel Insurances for Thailand

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

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

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

Do I Need Travel Insurance for Thailand?

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

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

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

VisitorsCoverage: Best Medical Coverage

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

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

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

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

Insured Nomads: Best Trip Coverage

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

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

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

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

SafetyWing: Best Combination For Youth

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

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

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

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

How Do They Compare?

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

Data correct as of 4/1/2024

FAQ About Travel Insurance to Thailand

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

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

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

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

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

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

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

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

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

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Travel to Thailand: A Complete Guide in Getting Health Insurance

Many people want to know about Thailand's travel medical insurance. Because who doesn't? As anyone traveling to Thailand is recommended to purchase travel health insurance, it's better to know all you need about it, including requirements, costs, and coverage options.

Acquiring travel insurance, especially travel medical insurance, can be valuable. This is mainly because the health insurance plan provided by your home country may offer limited or no coverage when traveling abroad. For instance, in the case of Thailand, Medicare is not recognized. As such, travel medical insurance is crucial for medical attention, medication, medical exams, and other related services in the event of illness or injury during your trip.

Traveling to Thailand will be an experience to remember lifelong for people who love to travel. What's essential is to make sure you have your travel medical insurance before you plan for travel. So, today, I will share everything you need to learn and understand about Thailand's travel medical insurance.

Travel Medical Insurance for Thailand

Acquiring travel medical insurance when visiting Thailand is a wise decision and a crucial consideration for several reasons. Although hospital treatment may not be excessively costly, it is reassuring to know that Thai doctors are highly competent if medical assistance is required. Nevertheless, expensive inpatient treatments such as surgery or cancer treatments at high-end hospitals can be financially draining and add considerable stress to your finances. Therefore, obtaining travel medical insurance is highly recommended to alleviate the burden of unforeseen medical expenses and ensure a worry-free and enjoyable trip.

Everyone traveling to Thailand is recommended to have travel health insurance. And also, a number of retired expats now may need to show health insurance documentation to be eligible for their yearly retirement extensions. Accordingly, you must consider the key points you need to know about Thailand travel medical insurance.

Due to the increasing number of accidents involving tourists in Thailand for years, the Thai government has been planning on issuing a law requiring foreigners to at least obtain travel insurance before entering Thailand to comply with entry regulations and ensure adequate medical coverage.

(COVID-19 WAVE) Thailand Travel Insurance Requirements

Although Thailand Travel Insurance is no longer required when entering Thailand, it is still essential for every traveler to know the previous requirements for reference in the future; incredibly how strict a country can get to prevent any health damage some foreigners might bring to the country.

Below are some of the requirements during the COVID-19 era:

• Travelers must provide evidence of having at least $100,000 in coverage for COVID medical and quarantine expenses for the duration of their stay in Thailand if they contract the virus while in the country. This requirement is in place to ensure that visitors have access to necessary medical care and quarantine facilities without incurring significant financial burdens in the event of a COVID-19 infection.
• Travelers must obtain a Certificate of Entry from Thailand's embassy. This involves completing an online form and submitting the necessary documents. One of the documents required is proof of medical insurance coverage, which must be included when applying for the certificate. This requirement ensures that visitors have adequate medical coverage while in Thailand and are prepared for any unforeseen circumstances related to COVID-19.
• Travelers to Thailand are required to provide proof of a negative COVID-19 test result issued no more than 72 hours before they arrive in the country. This requirement ensures that visitors are not carrying the virus into Thailand and helps to maintain the safety and well-being of the local community. It is essential that travelers comply with this requirement to avoid any inconvenience during their trip to Thailand.
• Travelers to Thailand must have travel insurance covering at least $100,000 for accidents or sudden illnesses, including COVID-19. This coverage is crucial in case of unexpected medical expenses, ensuring that visitors receive the necessary medical attention without incurring a financial burden. Adhering to this requirement is vital for travelers to have peace of mind during their trip to Thailand and to comply with the government's entry regulations.
• Ensure the policy covers at least $100,000 for accidents or sudden illnesses, including COVID-19. The coverage must include in-patient and out-patient treatments, medication, hospitalization, and emergency transportation. This ensures visitors can access comprehensive medical care during their stay and avoids unexpected expenses.
• Must cover the entire trip duration to ensure complete coverage of any medical emergencies that may arise.
• All Thailand travel insurance policies must explicitly state that they cover medical care claims due to COVID-19.
• Ensure that the Thai travel health insurance policy meets the minimum coverage requirements. If the policy does not fulfill the requirements, the embassy will reject it, and the visa application will be denied. Additionally, travelers will not be permitted to enter the country without complying with the necessary insurance regulations.

Pay Attention  

When purchasing travel medical insurance for Thailand, it is crucial to read the policy rules carefully, including the fine print and sub-clauses, to understand the coverage and avoid unexpected bills. By comparing different plans, travelers can choose the best policy that meets their needs.

Where Can I Get Travel Insurance When Visiting Thailand?

T he best way to request your Thai travel health insurance is online, one of the most convenient methods for all travelers. If not, you can get travel insurance for Thailand from most local travel insurance companies.

Different comparison websites act as brokers between travel insurance companies and clients. You can compare travel insurance plans from different companies through these websites and select the best one. Then you can purchase the policy online, follow the instructions, and you are good to go.

If you are traveling for an organized tour, your travel agency may offer you travel insurance as part of the package deal. In these cases, although convenient, purchasing the travel insurance you’re being offered is not always recommended. Travel medical insurance for Thailand can be priced higher than expected and may not provide the desired coverage, leading to discomfort during travel.

Carefully reviewing the policy is recommended, and if satisfied with the coverage, travelers should proceed with the purchase of the insurance policy. However, if the policy does not meet the desired coverage requirements, travelers should seek an alternative insurance policy that better suits their needs.

In 2020, during the COVID-19 era, every traveler visiting Thailand should have a minimum of USD 100,000 travel health insurance covering the entire stay.

Ways to Obtain Travel Insurance for Thailand

T o obtain a travel insurance plan for Thailand, visit an insurance company's website or a comparison marketplace. Then, go through the available travel insurance policies. There should be several options if you are on a specific company's website.

• Compare policies to decide which one to purchase.
• Carefully read the policy details to comprehend the coverage, deductible, and potential issues.
• Complete the travel insurance form with travel dates and desired coverage.
• Pay the fee based on the duration of your stay.
• Download the insurance certificate once the payment is completed.

Best Time to Get Travel Insurance in Thailand

Y ou should get travel health insurance once you make the first deposits on your trip to Thailand or buy a flight ticket. Purchasing travel insurance at least two weeks before travel is recommended to have full coverage for trip cancellation or delayed flights.

It is important to note that some insurance companies may not accept claims for cancellation if you purchase travel insurance less than two weeks in advance. It's also recommended to purchase travel insurance earlier to ensure maximum coverage. Some insurance companies may not accept claims for cancellation if the policy was purchased less than two weeks in advance.

Acquiring Travel Health Insurance After Booking a Thailand Flight

Purchasing travel insurance when you make the first payment for your trip is recommended to ensure coverage for trip-related disturbances like a cancellation. If you purchase insurance too late and need to cancel your trip, you may lose all the down payments you have made so far.

Claiming Travel Health Insurance in Thailand  

To file a travel insurance claim, promptly contact your insurance company and find out what documents are needed. Delaying your claim can result in denial, so act fast. Make sure to save all receipts and evidence to prove the legitimacy of your claim.

• Medical receipts and hospital bills in case of an accident or illness.
• Police report with the dates stated in case of stolen belongings.
• The receipts for food, transport, and accommodation in case your flight is delayed.

Activities and Insurance  

Y ou must remember that travel health insurance coverage does not include all activities. Most Thailand travel insurance plans cover medical emergencies related to a sudden illness or an accident. However, if the accident resulted from your fault or activity considered “high risk,” you must cover the medical treatment costs yourself.

Travel insurance companies usually have a list of activities they cover and exclusions. This will depend on the specific plan, but swimming, kayaking, trekking, and surfing are always covered. On the other hand, scuba diving, rock climbing, sailing, white water rafting, or bungee jumping, which have a higher risk, are usually only covered under certain circumstances and will cost more.

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

What Coverage Will Travel Insurance for Thailand include?

• Medical emergencies. 
• Trip cancellation or interruption.
• Theft, loss, damage of possessions. 
• Emergency evacuation or repatriation.
• Optional travel insurance coverage 

Cost of Thai Travel Health Insurance  

Travel insurance costs depend on factors like age, length of trip, where you have purchased it, and just how much coverage you want. In most cases, you can expect to pay about 4% to 10% of your overall trip costs in travel insurance.

Healthcare in Thailand is of excellent quality, so if you find yourself in a medical emergency, you should rest assured that you will be well taken care of. Thailand's private and public healthcare system provides universal healthcare to all Thai nationals. Tourists will have to pay the cost of treatment themselves or through travel health insurance.

The public healthcare system in Thailand has qualified doctors, but the hospitals are known for long waiting times and lower-quality medical equipment than the private sector. Private healthcare, on the other hand, is of equally excellent quality and better equipped. They are expensive, however, and will often require you to show proof of funding or travel insurance before you receive treatment.

In conclusion, if you're planning to travel to Thailand or any other country,  the first thing you should try is reading and knowing about travel health insurance, which is recommended during your visit. Make wise decisions and enjoy your holiday trip worry-free.

Broker : an individual who trades commodities or assets on behalf of others or facilitates and bargains an agreement

Clause : a set of words that includes a subject and a predicate and functioning as a complex or compound sentence member

Embassy : t he official residence or offices of an ambassador OR a deputation or mission sent by one ruler or state to another

Healthcare : efforts that medical professionals make to restore our physical and mental well-being

Prescription : a written order from a healthcare professional, typically a licensed physician, that authorizes a patient to obtain medication or treatment for a specific medical condition

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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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With our travel insurance we can take great care of you too

Get AXA Travel Insurance and travel worry free!

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Speak with one of our licensed representatives or our 24/7 multilingual insurance advisors to find the coverage you need for your next trip.

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The Ultimate Guide to Health Insurance in Thailand

Table of contents, 1. who are we and why are we writing this.

Tenzing Pacific Services is an insurance and financial services agency with offices in Bangkok and Pattaya, Thailand. We put together this guide to help people understand how health insurance is marketed and managed here, based on 50+ years experience in the region. Unless you’ve been kicking around Southeast Asia for a good while, you’re likely to find some surprising information here.

We believe that educated consumers are in the best position to benefit from our broad expertise and offerings. Tenzing works with more than 40 health insurance providers , both international and local, so we can provide the widest possible range of benefits and coverage options. We charge no fees for our services, which include year-round customer support to find and book local health facilities, set up cashless billing, assist with claims issues and documents, help with premium payments, and more. You can talk to an expat advisor who lives here – they will give you a quote that compares policy features on an apples-to-apples basis, based on your situation and needs.

So, please read on. We hope this is useful.

2. What kinds of health insurance are available in Thailand? 

There are several types of health insurance options available to meet the specific needs of expats and locals alike.

• Employer-sponsored health insurance: Many expats working in Thailand can receive health insurance coverage as part of their employment benefits. The quality of these policies varies widely – some are excellent, while others don’t meet even basic needs. These plans are usually the only kind that will cover pre-existing conditions.
• Government health insurance: The Thai government provides health insurance options for specific groups of expats, such as those working in government agencies or participating in social security programs. These government-sponsored health insurance schemes vary in terms of coverage and eligibility criteria.
• Travel health insurance: For short-term visitors or expats who frequently travel outside of Thailand, travel health insurance plans can be an option. These plans offer temporary coverage during trips outside your residence country and typically include some emergency medical treatment, evacuation and repatriation benefits.
• Local Thai health insurance: Local health insurance plans in Thailand typically provide coverage only within Thailand and may have a network of partnered hospitals and healthcare facilities with direct billing. Note that benefit levels are generally not sufficient to cover medical cost at an expat hospital.
• International health insurance: International health insurance plans can provide comprehensive coverage in Thailand and when traveling outside the country. Many of these plans offer a wide network of healthcare providers, including access to private hospitals and clinics in Thailand and Southeast Asia. Most long-term expats find their way to a good international health insurance plan.

Here are some pros and cons of each group:

3. how much will this cost.

The cost of an international health insurance policy, called a premium, is generally based on a combination of these factors:

• Age. Our bodies break down as we get older, so it costs more to insure them as we age.
• Benefits selected. Like any consumer product, if you want more or better product, you have to pay for it.  Adding dental or maternity coverage to a policy will increase the cost.
• Coverage area . The larger the area where you’re covered, the higher the premium. And you’ll pay more for coverage in countries where medical costs are relatively higher.
• Number of people covered.
• Insurance company . Expect to pay more if you choose a high-end provider with global name recognition.
• Deductible, co-pay . You can lower the premium on some policies by paying part of the medical expenses yourself.
• Health . If you are in poor health, you may pay a higher premium.

This table will give an idea of what to expect to pay for a good policy in Thailand.  These prices are an average of some of the Regional and International providers in the chart above for an inpatient (hospitalization-only) policy with coverage in Southeast Asia.  Adding outpatient coverage will generally double your premium.  

There are literally hundreds of additional choices on both the lower and upper ends of these price ranges.  A 15 minute call with either a Tenzing expat or local advisor can narrow your options to a manageable handful.

4. Who can be covered?

You can find coverage for a single person, a couple, a family or a group, and many providers offer discounts for policies larger than one. The applicable definitions of couple , family and group vary widely, depending on the provider. Don’t assume that someone can or cannot be covered under your policy until you understand how the provider defines the relationships.

• Individual health insurance.  Individual health insurance plans are designed to provide coverage for a single person. These plans are suitable for those who are self-employed, don’t have access to employer-sponsored health insurance, or prefer to have their own independent coverage. Individual plans offer personalized benefits and allow individuals to choose the level of coverage that aligns with their specific healthcare needs.
• Couple health insurance.  For couples residing in Thailand, couple health insurance plans can provide coverage for both individuals under a single policy. These plans offer the convenience of joint coverage, ensuring that both partners have access to necessary healthcare services and treatments.
• Family health insurance.  Family health insurance plans are designed to provide comprehensive coverage for the entire family, including spouses and dependent children. These plans offer peace of mind by ensuring that every family member has access to necessary medical care and treatments.
• Group health insurance.  Group health insurance plans are typically provided by employers or organizations to offer coverage to a defined group of individuals. These plans can vary in terms of coverage and benefits, depending on the employer’s offerings and the size of the group.

5. Where are you covered?

All health insurance policies define a geographic coverage area. With a few exceptions, the health insurance policies offered in Thailand provide four choices:

• Thailand only
• Southeast Asia excluding Singapore
• Worldwide excluding USA
• Worldwide including USA

The insurance providers choose which areas to offer coverage and most don’t offer all of these choices. 

In addition to full coverage inside your coverage area, most health insurance policies include some emergency coverage, which pays for accidents and illnesses that happen when you’re traveling on a temporary trip outside of your coverage area.

6. What medical expenses are covered? 

You can choose to cover a range of medical expenses, from basic to comprehensive.

• Inpatient . Also called hospitalization, inpatient benefits are mandatory in that all policies include them. They cover treatment which typically requires you to be admitted to a hospital, usually overnight in a bed. This is for more severe illnesses, injuries and diseases. Inpatient benefits also usually include some outpatient coverage that is related to a hospital stay.
• Outpatient . As the name implies, outpatient covers you for minor injuries, illnesses and treatments done at a clinic or hospital where you get the treatment and then go home, rather than staying in a bed. This for your more routine and minor medical conditions. This is an optional benefit that you cannot choose without an inpatient plan.

Read more at Inpatient vs Outpatient Health Insurance Benefits

• Maternity. Following a waiting period, usually 10 or 12 months, maternity covers a woman for the routine costs of a pregnancy, usually including prenatal visits, delivery, and complications. Most maternity policies are offered as an add-on benefit with additional premiums. A few inpatient policies cover complications without requiring the maternity add-on.

Read more at Guide to maternity insurance

• Dental . Another add-on benefit, dental typically covers both minor and major dental benefits. Minor dental can be used right away and is for checkups, cleaning, polishing, scraping, sealants and some other less significant treatments. Major dental covers surgeries and sometimes orthodontia and is usually available only after a waiting period, typically 9 or 10 months. 
• Evacuation. Evacuation involves transportation in a significant medical situation to the nearest facility where appropriate treatment is available. A significant percentage of expats in Southeast Asia who need evacuation end up in Thailand. Evacuation is an extremely expensive service and health insurance providers know this, so it’s not easy to qualify for.

A note on travel insurance, travel health insurance and annual health insurance

International travel health insurance bridges the gap between basic travel insurance and international health insurance. Basic travel insurance from your credit card or bank might give you some limited medical coverage and lost baggage protection. Travel health insurance can give you more coverage – higher spending limits, larger geographic areas, more types of medical care, broader choices of doctors, etc. The benefits provided are usually less robust than an annual international health insurance policy — low annual benefits limits, lots of exclusions, no coverage for pre-existing medical conditions, mandatory deductibles, no direct billing. But for healthy people with a high risk tolerance, travel health insurance for a vacation or longer may be a good choice, providing access to basic health care to allow travelers to continue their trip or to return home.

7. What about pre-existing medical conditions?

Another factor that can affect the price of a policy is your health. Private health insurance is a for-profit business. Providing coverage for medical conditions that already exist when you enroll (Pre-X) would seriously lower profits, so insurers are very careful about taking on this risk. The reality is that finding coverage for a Pre-X is either difficult, expensive or effectively impossible, except under a group policy.

With that said, some insurers will cover some Pre-X, particularly those that are less serious. You’ll need to declare them during the application process and wait for a decision. Depending on the provider, the condition, how serious it is, the cost of related treatments, etc., the provider will take one of the following actions:

• Cover the Pre-X at normal terms and conditions
• Cover them with an additional fee (“loading”)
• Exclude that condition and anything related to it from your coverage
• Reject your application if the Pre-X is quite serious

Your health insurance broker can help you point towards the providers who are more likely to accept your pre-existing conditions. Typically, you’ll need to submit relevant medical reports and/or questionnaires, depending on the condition.

8. How would I pay my premiums? 

Although high quality health insurance is priced on an annual basis, in some instances it’s possible to pay on a periodic basis:  monthly, quarterly or semi-annually.  There is usually an additional cost involved, typically a percentage of the annual premium.

Policies are issued in a single currency – your premiums and benefits are presented in a widely used currency, usually the USD.  Some providers use other currencies and some offer a choice.  Exchange rates from local currencies are set by the provider and may change annually or more often.

Premium payments are made in the policy’s currency.  Any exchange fees charged by the issuing or receiving bank are your responsibility.  Many providers allow use of a credit or debit card to avoid bank fees. 

9. Do I need to submit claims?

Want to make your health insurance experience in Thailand more smooth and easy? Get a policy that offers cashless direct billing services. This allows you to show your insurance card at the hospital and clinic and then not have to go through the normal pay and claim process. The better insurance providers will have a large network of doctors, clinics, hospitals and other healthcare providers.

Direct billing in Thailand is not a perfect system; the most common problem is delays in the medical provider getting confirmation of your coverage from the insurance company. Here are some other common issues:

• Direct billing is not available for every type of treatment; many insurers don’t offer direct billing for outpatient services, for example
• Some providers are much better at direct billing than others
• A hospital may require that you leave a credit card on file with them even if you’re using direct billing
• Make sure your preferred hospital or clinic is in the direct billing network of a prospective insurance provider

10. Where can I buy?

Generally, you can purchase health insurance directly from the provider, or you can use an intermediary that works with a number of providers. A provider can offer you only its slate of policy options, whereas a high quality agent will have access to hundreds or even thousands of choices and will know the relative pros and cons of each. Tenzing is an intermediary agent, so of course we recommend this option.

Tenzing offers the further benefit of a customer support team that can help you find a doctor or hospital, fix your direct billing problems, work with a doctor and the insurer to find and submit claims documents, help with payments, etc.

These benefits come with no additional cost – you pay the same premium using Tenzing as you would paying a provider directly.

Ask a question. Get a quote. Talk, chat, email – your choice.

11. what are the next steps to get covered  .

Getting health insurance coverage isn’t exactly simple, but it’s not rocket science either.  The process is fairly logical and straightforward:

Initial call with your advisor: understand your needs, collect information

In-person or digital meeting to review the options in your quote

You decide the best provider and plan for you

Complete the application form, return to your advisor with a copy of your passport

Await the provider’s acceptance and underwriting terms, then receive payment instructions

Complete payment. Congratulations! your coverage is active.

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Travel Insurance for a Thailand Vacation (2024)

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

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

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

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

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

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

Compare Thailand Travel Insurance Companies

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

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Do I Need Travel Insurance for Thailand?

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

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

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

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

Cancel for Any Reason Coverage

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

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

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

Gear Theft Protection

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

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

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

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

Medical Emergency Insurance and Emergency Medical Evacuation

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

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

Rental Car Protection

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

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

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

Trip Cancellation Insurance

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

Here are examples of acceptable reasons to cancel a trip:

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

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

How Much Does Thailand Travel Insurance Cost?

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

To give you an idea of the costs involved, we at the MarketWatch Guides Team requested quotes from five leading providers of travel insurance in Thailand. The quotes below are for a 35-year-old solo traveler from California visiting Thailand from Aug. 1 to 14, 2023, with a total value for the trip at $5,000.

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.

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International Health Insurance for Thailand

Welcome to Thailand, the ‚Land of Smiles‘, where expatriates and travellers bask in the warm climate and delight in picturesque landscapes.

If you’re planning to immerse yourself in this inviting culture, it’s crucial to sort out international health insurance for Thailand to ensure your sojourn is not just enjoyable, but also worry-free in terms of healthcare.

Thailand’s healthcare system ranks amongst the best globally, primarily funded through tax revenues, promising extensive healthcare for its citizens.

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Key Takeaways

• The minimum outpatient coverage for the O-A visa is 40,000 Baht.
• Inpatient coverage should be at least 400,000 Baht for the O-A visa holders.
• All travellers must possess a minimum of $100,000 medical coverage for entry.
• Ensure your policy covers COVID-19 related medical treatments.
• Choose from approved insurance providers like AXA Insurance Thailand and Aetna.
• Be aware of Thailand’s health insurance mandates to avoid any inconveniences.
• Consider both public and private healthcare options when choosing your policy.

Understanding Thailand’s Healthcare Landscape

Exploring the healthcare system in Thailand reveals a robust structure, greatly influenced by the country’s economic trajectory and societal commitments. The landscape is a complex weave of the  Thailand Universal Coverage Scheme (UCS Thailand) ,  public healthcare in Thailand , and private healthcare alternatives. Here, you will grasp how these elements interact to create a comprehensive healthcare ecosystem catering to both local citizens and expatriates.

The Emergence of Universal Coverage Scheme

Since its inception in 2002, the  Thailand Universal Coverage Scheme  has been a cornerstone of  public healthcare in Thailand . Initially fuelled by the country’s impressive economic growth of 7.5% annually from 1960-1996, and a steady 5% post-Asian Financial Crisis, the UCS aimed to provide equitable healthcare access for all Thai citizens. As expounded in a detailed overview by the  World Bank , this was an ambitious leap, considering the decline in private investment from over 40% of GDP to a mere 16.9% from the late ’90s to 2019.

The Dichotomy of Public and Private Healthcare

As the UCS strengthened  public healthcare in Thailand , the private sector surfaced to complement it, especially for those seeking more personalised care. While public hospitals deliver essential health services, some prefer  private healthcare in Thailand  due to its more extensive offerings. This dichotomy became further pronounced when the Thai economy contracted by 6.1% in 2020, influencing over 70% of households to experience income reductions, consequently altering healthcare affordability and access.

Language Barriers and English-speaking Professionals

For expatriates, navigating the healthcare system encounters the additional challenge of language barriers. Despite the comprehensive coverage of  UCS Thailand , expats without Thai employer-provided insurance lean towards  private healthcare in Thailand , where they are more likely to interact with English-speaking professionals. The efficacy of communication in private hospitals is reinforced by the presence of staff educated at internationally-recognised institutions, bridging the cultural and lingual gaps for a smoother healthcare experience.

Knowing such statistics and trends is crucial for understanding the healthcare requirements in Thailand, whether you’re relying on the  Thailand Universal Coverage Scheme  or seeking private healthcare options. As the public and private sectors continue to evolve, it is essential to stay informed about the healthcare environment to make the best choices for your health and wellbeing in Thailand.

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Requirements for Health Insurance Coverage in Thailand

With Thailand’s robust approach to healthcare reform, including the celebrated introduction of universal health coverage, the nation continues to refine its strategies to enhance the well-being of its residents and visitors. If you’re considering a move to Thailand or planning an extended stay, it’s vital to understand not just the advancements in the Thai healthcare system, but also the very specific health insurance requirements that could impact your stay.

Mandatory Insurance for COVID-19 Coverage

Since the onset of the pandemic,  health insurance coverage Thailand  has adapted to include stringent protections against COVID-19. As a visitor or expat, you’re mandated to carry  COVID-19 insurance Thailand -based policies, with a minimum coverage of $100,000. This requirement is designed to ensure that all individuals on Thai soil have access to necessary medical attention without placing a financial burden on the national healthcare system.

Visa Regulations and Insurance Compliance

Navigating the intricacies of  Thailand visa health insurance  regulations is pivotal. For instance, the one-year Non-immigrant Visa „O-A“ explicitly requires foreigners to possess health insurance throughout their stay. Compliance is not just a formality but a fundamental requirement. To assist in comparison and decision-making, the table below details different coverage aspects to consider when choosing an insurance plan that complies with Thai visa regulations.

Dealing with Common Health Risks in Thailand

Personal wellbeing in Thailand intersects with common health risks such as tropical diseases, traffic-related injuries, and diverse regional health disparities. Recognising these risks underlines the importance of securing health insurance coverage in Thailand that goes beyond the basics, potentially supplementing a primary policy with global health insurance options. Popular providers among the expat community include Cigna Global and Alliance, known for their comprehensive international coverages.

To summarise, as you embark on your journey in Thailand, remember that health insurance is not just a safety net but a compulsory aspect of your stay. Ensure you comply with the local legislation and explore all options available to you, including robust international plans that complement Thai insurance policies. Your health is invaluable, and with the right coverage, you can enjoy Thailand’s scenic beauty and cultural wealth without undue concern for medical uncertainties.

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Advantages and Limitations of Local Health Insurance Plans

When considering  local health insurance Thailand  offers, expats are often attracted by the affordability and relative convenience these plans provide. However, several considerations must be taken into account when evaluating the pros and cons of  Thai medical insurance . Research shows that  Thailand’s universal coverage scheme  has undoubtedly enabled improved health access across the board, which is a commendable feat. Still, expats could face  expat insurance limitations Thailand -specific issues.

The universal coverage with supply-side reform has been a game-changer in reducing the financial burdens related to medical expenses and has contributed to a higher healthcare utilisation. This enhancement in healthcare services is reflected in the declining infant mortality rates and advancements towards comprehensive universal health coverage. Nonetheless, local insurance plans may not fully cover the healthcare needs of expats, especially given how some plans come with age restrictions, exclusions, and claims limits.

An independent evaluation over a decade identified the achievements and challenges of the healthcare scheme, illustrating the critical balance of accomplishments against areas needing improvement. In this light, for the urban poor, schemes like the 30-Baht initiative have significantly increased access to healthcare services. However, such accessibility may still present limitations for foreigners. Insights from policies that  promote healthy behaviours  and emphasise equity, as recommended by WHO, advocate for fair choices leading to universal coverage that also necessitates considering expat needs.

Expats must recognise the constraints they may face with local policies. For example, issues like motorcycle accidents, prevalent in Thailand’s transport culture, may not be covered. Acknowledging these limitations is critical when weighing up local insurance against international alternatives. Here are some statistics illustrating the scenario:

Further, reductions in child mortality and inequality demonstrate progress, while features in primary healthcare facilities, like accessibility and continuity, have been directly linked to patient satisfaction – a relevant factor for expats when considering how local insurance policies translate into actual care experiences.

To sum up, although local health insurance in Thailand may seem appealing for its cost-effective nature on the surface, it’s crucial for you to scrutinise the particulars and comprehend any inherent limitations, especially when it comes to expat insurance in Thailand. Taking cues from successful global approaches, such as those adopted by Japan, could provide invaluable insights and guide informed decisions about the most suitable insurance path for a fulfilling stay in Thailand.

The Role of International Hospitals in Thailand

As you journey through Thailand’s healthcare panorama, it is essential to recognise the salient role of private hospitals in Thailand within the broader context. They stand out as bastions of excellence, particularly in catering to the diverse needs of expatriates seeking  expat healthcare facilities . These establishments provide a blend of advanced medical care with the convenience of language accessibility, which is of paramount importance to those away from their home country.

Access to State-of-the-Art Facilities

When discussing  international hospitals Thailand , one can’t help but highlight their state-of-the-art facilities. These centres are equipped with cutting-edge technology and offer an impressive array of services that assure patients of receiving the highest standards of care. Complementing the statistics showing 99.5% health protection coverage in Thailand’s health schemes, these private entities augment the system by providing bespoke services that might not be as readily available in public healthcare institutions.

Availability of International Medical Staff

In these  expat healthcare facilities , the availability of international medical staff, fluent in English and other languages, stands as a reassuring pillar for expatriates. This workforce is well-trained, often educated abroad, and adept at interacting with a global clientele. This cadre of professionals bridges cultural and linguistic divides, ensuring that the patient’s experience is as smooth and stress-free as possible.

Choosing Providers with a Global Presence

Finally, the choice of a healthcare provider with a global presence cannot be overstated. It extends beyond the shores of Thailand, offering patients the confidence of comprehensive health insurance plans that align with international standards. For those covered, virtually every corner of the globe becomes a place where one can expect consistent quality care 24/7, a testament to the healthcare commitment of  private hospitals in Thailand  to their international clientele.

Exploring Private Health Insurance Options for Expats

When residing in Thailand, whether it’s the bustling streets of Bangkok or the serene beaches of Phuket, the importance of securing your health cannot be overstated. Your choice in expat health insurance options in Thailand can be the determining factor between a minor hiccup and a financial crisis. Unlike the transient nature of travel insurance, designed for short stays of six months or less, international private health insurance (IPMI) is more suited to your long-term needs, typically spanning a year or more, and it includes a broader scope of medical services like routine check-ups, dental care, and mental health support.

Wading through the maze of private health insurance in Thailand, you’ll notice that IPMI stands out for its comprehensive coverage of ongoing chronic conditions, surgery recovery, and even coverage for pre-existing conditions—a benefit seldom found with travel insurance. However, this extensive service spectrum is reflected in IPMI’s cost, underscoring the need for proper budgeting and plan selection. Fortuitously, providers like William Russell and GeoBlue Xplorer offer a variety of excess and coinsurance options, enabling you to manage your premiums and maintain control over your healthcare expenses effectively. These choices allow expatriates to tailor their  international expat insurance plans  to fit their unique lifestyles and needs.

The adage ‚health is wealth‘ rings especially true for expats who must ensure accessible, quality medical care wherever life takes them. Selecting from the  international expat insurance plans  available means that in addition to securing a safety net against healthcare costs across the globe, from the USA to Thailand, you’re also purchasing peace of mind. With the option to choose your treatment location in emergencies, and the ability to address conditions that may arise from expat life, such as stress and anxiety, IPMI provides a solid foundation for your health and wellbeing abroad.

What is International Health Insurance Thailand?

International health insurance in Thailand is designed to provide comprehensive medical coverage for expats and travelers living in or visiting Thailand. It typically offers a higher standard of care, access to private healthcare facilities, and the option to receive medical treatment both in Thailand and internationally.

How has the Universal Coverage Scheme (UCS) impacted healthcare in Thailand?

The UCS has revolutionized healthcare in Thailand by providing coverage for all Thai citizens, funded by tax revenue. It has significantly increased healthcare accessibility, although private health insurance is still recommended for expats who are not covered by a Thai employer’s healthcare scheme.

Are there language barriers in Thailand’s healthcare system?

There can be language barriers in Thailand’s public healthcare system. However, private healthcare providers often have English-speaking professionals and International Liaison Departments to assist expats and foreign nationals, ensuring clear communication and high-quality care.

What are the mandatory health insurance requirements for Thailand?

As of 2021, Thailand requires all visitors to have health insurance that covers COVID-19, with at least $100,000 in coverage. This is a strict measure aimed at safeguarding both visitors and residents against the financial risks associated with the pandemic.

How important is insurance compliance for obtaining a Thai visa?

Insurance compliance is crucial for obtaining a Thai visa. Visitors and expats must ensure that their health insurance policies meet the Thai government’s stipulated requirements for coverage amount, COVID-19 coverage, and other health risks, to qualify for both travel and long-term stay visas.

What are the limitations of local health insurance plans in Thailand?

Local private health insurance plans in Thailand often have limitations such as age restrictions, coverage exclusions, and claims limits, and may not cover certain risks like motorcycle accidents. It’s important to carefully evaluate these local plans against your needs.

What advantages do international hospitals in Thailand offer to expats?

International hospitals in Thailand offer expats access to state-of-the-art medical facilities, a wide range of medical services, and international medical staff. These facilities ensure high-quality healthcare with less of a language barrier, providing a smooth experience for foreign nationals.

Why should expats consider health providers with a global presence?

Expats should consider health providers with a global presence because they offer comprehensive international health insurance plans that cater to a globally mobile lifestyle, provide extensive hospital and physician networks, and ensure 24/7 customer support wherever they are in the world.

What private health insurance options are available for expats in Thailand?

Expats in Thailand have a variety of private health insurance options, including local and international private medical insurance plans. International plans, like those offered by companies such as Aetna International, William Russell, and GeoBlue Xplorer for US expats, provide extensive coverage, flexibility, and the peace of mind that comes with having access to global healthcare.

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