Thailand is a safe and welcoming country, however, tourists travelling to Thailand often experience mishaps on their travels in Thailand, especially where drinking, partying, motorcycle riding, riding scooters and other high-risk activities occur. When thinking about Thailand travel insurance before embarking on your trip, it’s imperative to check travel insurance quotes and plans that the policy wording of your coverage includes all the activities you are planning on doing while you’re there before you travel to Thailand, especially if it is an annual multi-trip for business to Thailand.
For example, if you are planning on renting a motorbike, you need to make sure you have the correct license otherwise your travel insurer will not cover you in case of a road accident. If you plan on scuba diving, you should also check that your policy plan provides covers emergency assistance, medical bills, hospital expenses and evacuation in the event that you’re injured while in the water. Or if you plan on going trekking, you want to make sure that your travel insurance policy plan includes coverage for emergency medical evacuation, if anything goes wrong during your hiking adventures.
Even though medical evacuation is available without insurance, you will be stuck with a hefty bill into the thousands if your travel insurance plan does not cover such service or you have to be airlifted to safety or treatment.
Likewise, If you’re concerned about losing your baggage on the way to Thailand, check out whether the travel insurance policy plan you are considering does cover lost or delayed luggage. You’ll also want to make sure you’re protected just in case your belongings get stolen.
It is better to be safe than sorry so it is a very good idea to buy a travel insurance plan that will cover your needs before you enter Thailand.
What is the best travel insurance plan to enter Thailand? To answer that, rather than spending your time looking at each individual insurer’s website, it is far more convenient to use a comparison site with the goal of comparing prices and features all in one place. It is important that you check out all information, like the product disclosure statement and cancellation fees among the policy benefits and service provided. Check out sites like insureandgo.com.au, comparethemarket.com.au or comparetravelinsurance.com.au, properly licensed by the Australian government.
Some important questions to ask:
Can You Afford the Excess?: An excess applies to any claim you might make under your insurance policy plan. The higher the excess the cheaper the policy will be. If in doubt, pay more for the premium upfront.
Are my pre-existing medical conditions covered? Most insurance providers have a list of pre-existing medical conditions that they do and don’t cover. Be sure to double-check these details.
Are All my Destinations Covered? If you are visiting more than one country, make sure that every country of your destination is included in the travel insurance coverage.
Are high-risk activities covered? If you are planning to go sky diving, hot air ballooning, parasailing, bungee jumping, scuba diving, trail-biking or any other activity that contains an element of danger, check that the Thailand travel insurance policy plan you’re considering will cover it as many standard policies do not include such activities. If not, you might need to pay extra to insure yourself against any unfortunate mishaps and exorbitant overseas medical expenses.
There is no one best travel insurance for Thailand. Do your research to determine what kind of travel insurance cover you will need whilst visiting on a tourist visa or for a longer-term business stay. Some questions to ask yourself: Do you want emergency assistance or all overseas medical expenses covered? Are you looking for trip cancellation and lost luggage coverage? Do you need to add on rental vehicle insurance or motorcycle cover? Do you want a fully comprehensive insurance policy? Be sure to read the fine print as some travel insurance policies won’t cover pre-existing health or medical conditions so you can fairly claim the due benefits.
If you have a work visa and permit in Thailand as a foreigner you will be able to have insurance through the national Social Security scheme. Your employer will deduct 5% of your gross salary for this every month which will allow you to get medical care and medicine for free.
From time to time there are political tensions and public protests against the government in Bangkok which can turn violent, so it is advised to avoid the city and some provinces in the southern tip of Thailand because of ongoing ethnic conflicts. Check your home country’s travel advisory service on this and, in this Covid 19 pandemic, the latest covid travel information.
The World Health Organisation recommends the following inoculations and injections for Thailand: Hepatitis A and B, Typhoid, Yellow fever, Japanese Encephalitis, Rabies and Tetanus, plus recently, the Covid vaccination. Check with your local travel clinic for updates.
The cost of travel insurance will depend on where you’re going (certain countries incur high premiums due to associated risk factors), how long you’re travelling for, your age and any pre-existing health conditions. High-risk activities also increase the cost of cover.
Thailand is considered one of the safest countries in Southeast Asia. It is recommended to exercise standard safety precautions such as keeping an eye on your belongings, not carrying too many valuables around and generally staying alert as you would in any new environment. From time to time there are political tensions and public protests against the Thai government in Bangkok which are best avoided. Check your home country’s Thailand travel advice on this- such as smart traveller. Thailand also has strict laws (lèse majesté) about defaming the monarchy which can lead to imprisonment.
It’s a good idea to get travel insurance whenever you travel abroad, at least covering accident emergency medical expenses and medical services at a minimum. If you are planning to drive a motorcycle, select travel insurance with motorbike cover for at least one passenger or vehicle excess among the add ons. Be sure to read the fine print as some travel insurance policies won’t cover pre-existing medical conditions to be able to claim the necessary services and benefits.
Yes, travel immunizations are available at many hospitals throughout Thailand. Queen Saovabha Memorial Institute in Bangkok is a popular choice for travellers with clean and modern facilities, English-speaking doctors and affordable vaccines.
Thailand is still a popular destination in Asia. Adventure sports and events are varied and many in Thai tourism packages, the most in the Southeast Asia region, not to forget the confusing heavy traffic in the capital, Bangkok. Aside from that, tourists and foreign visitors would be prone to food poisoning incidents, in eagerness to try out the exotic street food that abounds in the cities and popular destinations like Bangkok and Phuket.
It is generally not mandatory for visitors or travellers to Thailand to get insurance. However, it is best to include travel insurance among your travel documents on your trip to Thailand. Ensure that among the add ons listed in the product information allows cancellation and payment through credit cards, add ons like pet insurance,claim service for lost baggage and other possible needs on a foreign trip.
For requirements, your health conditions must meet the requirements of travel insurers so you can further claim the service and benefits in your insurance plan.
With the advent of the Covid 19 pandemic, Thailand is among the countries in the region that instituted lockdowns and experienced a drop in travellers to enter Thailand, even for a business trip. But in recent months, the Thai government is slowly reopening to visitors, with a now-mandatory Covid 19 coverage as a service of the travel insurers. So now, the Covid insurance plan is another level of security for certainty in your Thailand travel safety. Fortunately, because of Thailand’s tourism industry, travel insurers had formed a consortium that offers Covid coverage for foreigners entering Thailand that will be accepted by the immigration ministry and be purchased online.
With the inclusion of Covid coverage in the travel health insurance plan, the present costs are a bit higher than in the past, like premiums costing as little as 4,000 Thai baht for a 30-day plan to 8,000-14,000 baht for a tourist or non-immigrant coverage.
The cost of travel health insurance varies depending on factors of age, duration of stay, and the number of needs and coverage you want. A travel health insurance plan varies for every trip and budget, too. Rough estimates would be from 4-10% of your overall trip costs.
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