travel insurance international thailand

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

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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 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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For your holidays in Thailand and abroad

With Golden Buddha statues, gleaming temples, lush landscapes, rich history, and tropical beaches, Thailand is one of the leading tourist destinations for people worldwide. This country has much to offer travelers, regardless of their interests and budget. From a luxurious stay at beach resorts to a backpacking experience on an affordable budget, there is something for everyone.  

Staples of the Country

If you enjoy being in nature, head to the Phi Phi Islands and Khao Sok National Park to take in the breathtaking views. More of a city person? Enjoy your stay in Bangkok, Thailand's capital, well-known for its rich culture and vibrant nightlife. You can enjoy exotic cuisine, explore archaeological and cultural sites, learn about the rich history, and relax on the tranquil beaches. Bangkok, Phuket, and Chiang Mai are the absolute must-visit cities in Thailand. The places you can't miss when visiting Thailand include the Vegetarian Festival in Phuket, Ko Kood Island, temple ruins at Ayutthaya, Wat Pho Temple, The Grand Palace, and Chatuchak Weekend Market in Bangkok, and Khmer ruins in Phimai.  

Does Thailand Require Travel Insurance?

While travel insurance is not legally required for U.S. citizens visiting Thailand, it is highly encouraged. However, travel insurance is mandatory for travelers from countries requiring RT-PCR COVID tests, like China and India. The insurance must have validity for over seven days of the intended visit. Thailand is a safe country, but it is integral to be street smart, just like in any other country. Tourists must take precautions for incidents like robberies and petty theft that might occur in busy streets or late at night.  

Thailand FAQ

Can i go to thailand during covid-19, and under what conditions.

All travelers from the U.S. are no longer required to show any COVID-19 tests or vaccination proof, as per the latest update. Visitors are allowed to go to any place in Thailand without any restrictions. What type of vaccinations are required to visit? CDC recommends getting certain vaccinations at least a month before visiting Thailand. These include influenza, pneumonia, shingles, chickenpox, TDaP (tetanus, diphtheria, and pertussis), measles, mumps and rubella (MMR), polio, meningitis, rabies, Japanese encephalitis, yellow fever, cholera, typhoid, hepatitis B, and hepatitis A.

Does Thailand require International Medical Coverage?

People visiting Thailand can’t access free health care, and the medical expenses could reach thousands of dollars, based on the severity of the condition. Therefore, it is essential to purchase medical insurance to cover any personal injury or medical emergencies while visiting Thailand. Getting a flexible travel insurance plan that includes medical coverage is necessary.  

Where is the U.S. Embassy in Thailand?

The U.S. Embassy is in Bangkok and can be contacted in person, via phone, or on their website.  

What is the best time of year to visit Thailand in terms of weather, crowds, and cost?

While this country is one of the most affordable countries to visit throughout the year, you can enjoy significant discounts, fewer crowds, and good weather when visiting between July and September. This is considered a low monsoon season.  

What is the local currency of Thailand and its exchange rate for USD?

The local currency of Thailand is Baht, and it is around 0.029 US dollars for 1 Baht. You can get over 34 Baht for 1 USD.

Are credit cards widely accepted in Thailand? If yes, which ones?

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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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• Key takeaways

Do I need travel insurance to visit Thailand?

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

Best Travel Insurance for Thailand in 2024

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

Our top picks for the best travel insurance for thailand

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

Seven Corners

John hancock insurance agency, inc..

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

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

Why Thailand travel insurance is important

Risk of insect-borne diseases

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

Extreme weather conditions

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

Petty theft and pickpockets 

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

Best Rated Travel Isurance

Why we like it.

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

Best Value for Medical Emergencies

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

Best plan for a Solid Coverage

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

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

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

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

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

We applied these details to our quotes:

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

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

Example Where Plan Doesn’t Reimburse the Full Trip Cost

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

Example Where Plan Does Reimburse the Full Trip Cost

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

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

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

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

Trip cancellation insurance

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

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

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

Trip delay insurance

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

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

Trip interruption insurance

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

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

Travel medical insurance

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

Medical evacuation insurance

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

Insurance for personal items

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

Rental car coverage

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

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

Other things that may not be covered include:

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

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

Then, follow these tips:

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

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

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

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

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

Is it safe to visit Thailand?

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

When is the best time to visit Thailand?

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

Do I really need travel insurance for Thailand?

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

Is health insurance still required in Thailand?

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

What is the best health insurance in Thailand for foreigners?

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

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

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For International trip, insured person must purchase Chubb Travel Insurance before departing from Thailand.(Your trip must start and end in Thailand.)

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Chubb Assistance

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Learn about Chubb Travel Insurance

All you need to know to travel smarter.

Learn more about our product and get some travel tips while you are preparing for your next vacation.

Customer Service Hotline: +66 2611 4242

The services under Medical Emergencies are provided upon the specified terms and conditions of the policy and are available only when the Insured Persons are on a Journey. 

Claims Made Easy

Process your claim as quickly as possible.

What to do in the event of an insured loss under your policy, how to submit your claim and an outline of the required documents to support your claim.

Exclusive Privileges

Choose the privilege that you prefer.

Quality travel cover at an affordable price

With more than 50 years of insurance experience and many millions of travellers served, Chubb Travel Insurance offers high-quality insurance to travellers. We have plan options for all types of travellers.

Access to a global team of travel experts

Purchasing travel insurance from Chubb Samaggi Insurance means access to a truly global network. In addition to our wealth of local expertise, Chubb’s operation in Thailand is backed by our extensive global travel network and breadth of resources to serve your every need.

Fast, fair and efficient handling of claims

Experience has taught us the importance of being proactive when managing claims. Chubb Samaggi Insurance understands that a fast, fair and efficient approach to claims handling will bring about an expedited outcome, and can help to deliver an improved result.

24 hour emergency assistance

When you purchase Chubb Travel Insurance, you are instantly covered by Chubb Assistance. Our 24 hour emergency hotline that provides the support that you expect in your time of need, anywhere, anytime.

You may contact us via the following

Chubb Samaggi Insurance PCL

2/4 Chubb Tower, 12th Fl., Northpark Project, Vibhavadi-Rangsit Rd., Thung Song Hong, Laksi, Bangkok 10210 Fax no. 66 2611 4050

Chubb Customer Center

Hotline: +66 2611 4242 Monday - Friday: 8.00am – 8.00pm Saturday - Sunday and Public holidays: 9.00am -6.00pm E-mail:  [email protected]

For 24-hour emergency medical and travel assistance, call Chubb Assistance

+66 2039 5770

Chubb Worldwide Offices

For the mailing address, telephone number and email address of any Chubb office in our global network, use our office locator.

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©   Chubb Samaggi Insurance PCL. This policy is underwritten by Chubb Samaggi Insurance Public Company Limited. Full details of the terms, conditions and exclusions of this insurance are provided in the policy documentation

Allianz Travel Insurance

• +66 (0) 2 305 8512 08.30-17.30 (Mon-Fri)

Home > Travel Insurance

Choose the travel insurance plan that suits you.

Travel insurance.

Travelling abroad, eating different foods, all in unfamiliar surroundings, means that travellers may be exposed to a higher than usual risk of illness, accidents and other type of mishaps. Every year thousands of travellers unexpectedly end up in foreign hospitals. Those who have travel insurance can rest assured that their expensed will be covered. Travel Insurance represents just a fraction of your trip cost. It is a small investment that protects you from physical and financial harm.

Allianz Travel’s Dance Moves travel insurance not only covers your unexpected expenses, but our global experienced assistance network is also ready to help you. Whenever you need help, you can call our Bangkok office in Thai and English and we will send our team to help you from every continent of the World. You can be worry-free with Allianz Travel Insurance.

Key Benefit

Overseas medical assistance and expenses

Trip Cancellation or Trip Postponement Expenses

Travel Delay

Missed Connecting Flight (Each completed 6 hours of delay)

Baggage Delay (At least 6 hours of delay)

Follow-up Medical Expenses in Thailand (within 30 days after arrives in Thailand)

Emergency Medical Evacuation

Trip Curtailment

Loss of/Damage to Personal Baggage and/or Personal Property

Single Plan

Single Plan is simple and flexible. We offer coverage for one trip and cover you against medical costs, trip cancellations and curtailments and any unexpected occurs during your trip abroad.

Whether you have a short trip in Asia or long holiday in Europe or worldwide, travel individual, couples, family or with a group, the single plan travel insurance can cover you up to 180 days.

Annual Plan

Annual Plan is perfect for frequent travelers. If you plan for several overseas trips in the year, this plan helps you save money and enjoy the peace of mind with every trip. Get covered for an unlimited trips (up to 365 days per trip).

Someone may think that travel insurance is not necessary if they take care of themselves good enough. However, accidents and sudden illnesses can be very traumatic and expensive experiences when you’re away from home. Travel insurance keeps you covered and gets help when you need it.

Student Plan

As an overseas student, accidents and sudden illnesses can be very traumatic and expensive experiences when you’re away from home. Comprehensive but affordable, the Student Plan is specially designed for an overseas student to cover unexpected medical or travel interruption expenses as you embark on your new adventure.

This travel insurance product is managed and sold by AWP Services (Thailand) Co., Ltd. (the authorized brokerage company,  Non-Life Broker License No. Wor00034/2559 , under the tradename of “Allianz Travel”) and underwritten by Allianz Ayudhya General Insurance Public Company Limited. Please read and study  Travel Insurance Policy for Single Plan , Travel Insurance Policy for Annual Plan , and Travel Insurance Policy for Overseas Student Plan that specified all terms and conditions of benefits coverage, exclusions, period of coverage, premium and other relevant information therein. If you have more inquiries or questions, please do not hesitate to contact us for further information or assistance before completing your purchase.

*Conditions apply

Dedicated to helping and protecting

Allianz Travel is the world’s leading provider of travel insurance and assistance services. With a range of cover for individuals or Families with Single Trip Travel Insurance, Multi–Trip Travel Insurance and Overseas Student Insurance cover options, we are determined to provide you with a consistently high standard of service. We dedicate to helping, protecting and bringing peace of mind. We go beyond offering traditional insurance and assistance products, we aim to redefine help and humanize insurance, always with our customer at the core of our offers.

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova, Republic of; North Korea, Democratic People's Rep; Russia; Israel

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Safer travel starts with travel protection

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International Travel Insurance

International travel is exciting whether it's a quick visit to Paris, an African safari or a week in the Caribbean. Wherever your adventure takes you, international travel insurance can help you travel with peace of mind. If you become sick or injured while traveling; or if circumstances cause you to cancel or interrupt your trip, international travel insurance is there to help you. And, with our  OneTrip Prime plan , kids 17 and under are covered for free when traveling with a parent or grandparent (not available on policies issued to Pennyslvania residents). If something goes wrong when you're far from home, we're here to help. Just call our 24-hour assistance hotline.

View international travel insurance products .

International Travel Articles

The rewards of international travel are incredible — but before your adventure begins, you have to get through customs. We'll help you plan your next overseas trip, figure out what to pack, and protect yourself while you're traveling.

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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