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Asia travel insurance: how to choose the best coverage

Travel insurance for asia.

Asia is known for its incredible diversity and is home to more than half the world’s population. From culture and history to religion to terrain, the world’s largest continent boasts unparalleled variety in every aspect, making it a popular destination for millions of tourists annually. Whether you’re looking to spend weeks in the mountains surrounded by nature, wish to experience living in a secluded village, or enjoy the best of city life, Asia has it all. This region's fantastic variety of food works like the cherry on top. While this region welcomes people from all across the world, there are specific requirements that tourists have to fulfill to visit and explore it.  

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Do You Need Travel Insurance for Asia?

It depends on the country you’re traveling to. Considering there are 48 countries in Asia, no single rule applies across the region. Some Asian countries require all foreign tourists to carry travel insurance, while some only require tourists from specific countries to have travel insurance, allowing others to visit without it. Moreover, the coverage requirement for each country that mandates travel insurance may also vary. Several countries that previously allowed international travelers to visit and explore their lands without insurance have made it necessary post-COVID.  

Which Asian Countries Require Travel Insurance?

To facilitate your travel planning for Asia, here’s the list of countries that require tourists to carry insurance:  

Countries with Fluid Insurance Coverage Rules for Travelers

Indonesia made it mandatory for all international travelers to carry travel insurance with COVID-19 coverage when it opened up for tourists post-pandemic. However, it is no longer a legal requirement. You have to show your COVID-19 vaccination proof.

Philippines

Philippine laws require unvaccinated tourists to get travel insurance with COVID-19 treatment coverage for a minimum of USD 35,000 from a reputable insurance company. The policy should remain valid for their entire duration of stay. However, fully vaccinated travelers are exempted from this condition and can travel to the Philippines without insurance. The term ‘fully vaccinated’ here refers to two standard doses and a booster for adults over 18 years and two classic shots for tourists aged 17 and under.  

Russia requires all tourists who require a visa to enter the country to get travel insurance. It’s part of the visa requirements. However, tourists from countries with visa-free access to Russia can travel without insurance. American citizens (as anyone can guess) belong to the first category, which means they need travel insurance for Russia.  

You’re only required to have travel health insurance for visiting Thailand when your next destination requires you to take a COVID-19 test before leaving Thailand.  

Travel insurance is necessary for obtaining a Turkey visa. So, everyone needing a visa to travel to Turkey must buy a travel insurance policy. There is no minimum amount limit for coverage; however, it should be for the entire trip duration.  

Asian Countries That Require All Tourists to Carry Travel Insurance

• Israel – travel medical insurance with COVID-19 coverage
• Jordan – travel medical insurance
• Nepal – travel medical insurance with emergency assistance and medical repatriation coverage if tested positive for COVID-19
• Oman – travel– travel medical insurance
• Saudi Arabia – travel medical insurance with full coverage for COVID-19 treatment.
• Singapore – travel insurance with COVID-19 treatment and hospitalization coverage for a minimum of USD30,000.
• Sri Lanka – requires COVID insurance, regardless of travelers’ vaccination status.
• UAE – The insurance must cover international healthcare for the entire trip duration.
• Vietnam – Travel or medical insurance with COVID-19 treatment coverage for a minimum of USD 10,000.
• Laos – travel medical insurance with a minimum coverage of USD 50,000
• Iran – requires all foreign visitors to carry travel insurance
• Qatar – All international tourists must have travel insurance

Apart from these, no other Asian country mandates travel insurance.  

Travel Insurance is Always Encouraged 

Though you are legally allowed to visit most Asian countries without travel insurance, it is still highly encouraged to carry one for several reasons. Traveling is never 100% risk-free. No matter how well-planned your trip is or how safe and secure the country or city you’re visiting is, there is always a chance that things might go wrong. You may fall sick, have an accident, miss a flight, or become a victim of crime. Insurance can come in handy in such unfortunate situations and save you from getting into any financial trouble in a foreign country.

Why Choose AXA Travel Insurance for Asia?

AXA is consistently ranked as the most reliable insurance company for a decade. There are several reasons why travelers trust us with their travel insurance plans. Here are some of the major ones:  

We Offer the Most Flexible Travel Coverage

Unlike many other travel policies that just cover emergency medical expenses,  for a limited amount, AXA travel insurance plans protect you against what could potentially go wrong on your foreign trip. Our travel insurance covers: ✔ Emergency medical expenses due to an illness or accident ✔ Emergency medical repatriation ✔ Reimbursement of Non-refundable costs in case of trip interruption ✔ Baggage loss benefits AXA travel insurance also offers 75% coverage for all prepaid, non-refundable trip cost amounts in the event of trip cancellation for any reason and 100% coverage for trip cancelation due to illness, or many other unforeseen situations.  

We Have Multiple Plan Options

Considering that not all travelers’ insurance needs are the same, we offer three different types of travel insurance policies: ✔ Silver – the most basic and cost-effective plan ✔ Gold – offers the same benefits as the silver plan but at a higher coverage amount ✔ Platinum – maximum benefits, highest coverage. It also includes coverage for rental sports equipment, lost ski days, and lost golf rounds.  

We Also Offer Travel Assistance Services

Facing an unforeseen situation in a foreign country can overwhelm many people. Considering this, we also offer travel assistance services to our travel insurance policyholders to ensure they have the necessary information, support, and guidance they may need to deal with the situation 24 hours a day and 7 days a week.  

Talk to Our Licensed Representatives to Find the Best Policy for Your Trip to Asia

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

Asia Travel Insurance: how to choose the best coverage

Travel insurance for asia.

Asia, the largest and most populous continent on Earth, is a kaleidoscope of cultures, landscapes, and experiences. From the bustling streets of Tokyo to the serene backwaters of Kerala, Asia is a melting pot of ancient traditions, modern marvels, and natural wonders.  

While Asia offers incredible experiences, it also presents unique challenges for travelers. As you embark on your journey through this diverse continent, it's essential to arm yourself with the right tools for a worry-free experience. Here's everything you need to know about travel insurance for Asia so you can enjoy your adventures with confidence.  

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China Travel Insurance |  India Travel Insurance | Japan Travel Insurance | Malaysia Travel Insurance  | Singapore Travel Insurance  |  Thailand Travel Insurance | Vietnam Travel Insurance  

• What should your Travel insurance cover for a trip to Asia? 

How Does Travel Insurance for Asia Work?

• Do I need Travel Insurance for Asia? 

How Much Does Travel Insurance Cost for Asia?

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 asia.

• Traveling with pre-existing Medical Conditions?   

What should your travel insurance cover for a trip to Asia?

At a minimum, your travel insurance 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.   

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You're enjoying a relaxing vacation in Bali when a natural disaster, such as a volcanic eruption or earthquake, occurs, prompting local authorities to evacuate the area. With travel insurance, you can receive assistance for trip interruption and emergency evacuation and repatriation, helping you navigate the situation and arrange alternative travel plans or return home safely.

No matter how dire the situation becomes, AXA is there to help you create a strategic 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. 

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. 

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.

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 Asia?

While travel insurance is not strictly required for visiting Asia, it is strongly recommended due to the unique experiences and challenges the continent presents. Asia is vast and diverse, with varying levels of healthcare standards, transportation infrastructure, and environmental conditions across different countries.

Here are several reasons why we recommend travel insurance for vacations to Asia:  

1. Emergency Medical Expenses: Asia's diverse landscapes and cultural attractions often involve adventurous activities such as trekking, exploring remote regions, or trying local cuisine. In the event of an unexpected illness or injury during these activities, having coverage for emergency medical expenses allows travelers to access quality healthcare without worrying about expensive medical bills.

2. 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.

3. Emergency Evacuation & Repatriation: Asia is prone to natural disasters such as earthquakes, typhoons, and tsunamis, especially in regions like Southeast Asia and the Pacific Islands. In case of a serious medical emergency or natural disaster, having provisions for emergency evacuation or repatriation allows travelers to be safely transported to the nearest appropriate medical facility or evacuated from the affected area to receive necessary medical care.  

In general, travel insurance 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 amount of 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 the Asia will be offered three tiers of insurance: Silver,   Gold  and  Platinum . Each provide varying levels of coverage to cater to individual's preferences and travel needs.  

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 The Caribbean hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to 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 The Caribbean’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 The Caribbean's stunning landscapes in a rental car.

 Loss Skier Days and Loss Golf Days, exclusive to Platinum plan policyholders, offer reimbursement for pre-paid ski tickets or golf arrangements that cannot be used due to specified closures in Asia. Whether facing slope closures in destinations like Japan's Hokkaido or golf course shutdowns in countries like South Korea or Thailand, these benefits allow a smoother travel experience in Asia.

AXA covers three types of medical expenses:

Emergency medical

Emergency evacuation & repatriation

Non-medical emergency evacuation & repatriation

Emergency medical: This coverage includes unexpected incidents like broken bones, burns, sudden 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: Offers assistance for evacuating from a destination swiftly in situations not related to health issues. Examples include natural disasters or civil unrest.

Although many Asian countries have eased Covid-19 entry requirements, mainland China, Myanmar, and Iran continue to maintain them. Moreover, certain nations that have relaxed their measures, like the Philippines, still mandate travelers to submit a health declaration form upon arrival. Therefore, thorough research into the entry requirements of your destination country is crucial.  

Traveling with preexisting Medical Conditions?

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip. Our Gold Plan , and  Platinum Plans offer coverage for preexisting 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 that's been 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.

2.When should I buy Travel Insurance to Asia?

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.

3.Do Americans need travel insurance in Asia?

No, travel insurance is not mandated for Americans visiting Asia. However, it is strongly recommended due to the unique challenges and diverse environments found across the continent.  

4.What is needed to visit Asia from the USA?

US citizens visiting Asia typically need a valid passport, may require a visa depending on the destination, and should check specific health requirements such as vaccinations and COVID-19 tests. It's important to have a detailed travel itinerary, including flight and accommodation bookings, and consider purchasing travel insurance for medical emergencies and trip protection.  

5.What happens if a tourist gets sick in Asia?

If you become sick in Asia, travelers with AXA Travel Protection can contact the AXA Assistance hotline 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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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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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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Passing Thru Travel

Travel Insurance 2024 – 10 Things You Need to Know – Choosing the Right Policy for International Trips

Posted: February 20, 2024 | Last updated: February 20, 2024

Traveling internationally is an exciting adventure, but it also comes with its share of uncertainties. Choosing the right travel insurance is one of the most important steps in planning your trip. Travel insurance can protect you from many unexpected circumstances, from medical emergencies and trip cancellations to lost luggage and flight delays. This guide will explore ten different travel insurance offerings, helping you make an informed decision for your next international journey.

World Nomads

World Nomads is widely acclaimed for its flexibility and comprehensive coverage, catering especially to adventurous travelers. Their policies often include activities that other insurers typically exclude, such as scuba diving, skiing, and hiking. Coverage extends to medical emergencies, trip cancellation, interruption, and baggage loss. They also provide tech gear coverage, a bonus for digital nomads. Their 24/7 emergency assistance is a key feature for those traveling to remote destinations.

Insider’s Tip: Check their activity list to ensure your adventure sport is covered.

Allianz Global Assistance

Allianz Global Assistance offers a variety of plans, allowing travelers to choose a policy that best suits the nature and budget of their trip. Their offerings range from basic emergency medical coverage to more comprehensive plans including trip cancellation, interruption, delay, baggage loss, and emergency medical transportation. Their annual plans are economical for frequent travelers. The 24/7 assistance service is invaluable for dealing with emergencies or unexpected changes in travel plans.

Insider’s Tip: Consider their multi-trip annual plans if you travel frequently.

Travelex Insurance Services

Travelex is renowned for its user-friendly policies, providing essential coverage like trip cancellation, interruption, medical expenses, and evacuation. They have a particular focus on family travel, with children under 17 covered at no extra cost under a parent’s policy. The Travel Select plan stands out for its upgrade options, allowing travelers to add coverage for adventure sports, additional medical coverage, and car rental protection.

Insider’s Tip: Their Travel Select plan is highly customizable with upgrades.

AXA Travel Insurance

AXA Travel Insurance offers a range of plans, including single-trip, multi-trip, and annual plans, each with varying levels of coverage. They cover medical emergencies, trip cancellation, and baggage loss, and offer additional options like “Cancel for Any Reason” coverage. Their plans are known for high coverage limits and the option to add adventure sports coverage, making them a versatile choice for different types of travelers.

Insider’s Tip: Look into their “Cancel for Any Reason” coverage for ultimate flexibility.

IMG (International Medical Group)

IMG specializes in medical travel insurance, ideal for travelers prioritizing health coverage. Their plans range from basic medical coverage to comprehensive policies that include evacuation, trip cancellation, and adventure sports. They also offer unique plans for travelers such as expats and missionaries. The inclusion of pre-existing conditions and their global network of hospitals make them a strong contender in medical travel insurance.

Insider’s Tip: Their global network of hospitals can be particularly useful.

Seven Corners

Seven Corners stands out for its flexibility and range of plan options. They offer medical coverage, trip cancellation, and interruption insurance, with unique features like the ability to choose your medical facility abroad. Their RoundTrip plans are particularly beneficial for trip cancellation, offering reimbursement for trip costs due to unforeseen cancellations.

Insider’s Tip: Their round-trip plans are great for trip cancellation coverage.

Travel Guard by AIG

Travel Guard by AIG offers a comprehensive range of travel insurance plans. Their offerings include medical expenses, evacuation, trip cancellation and interruption, baggage loss, and flight insurance. The Gold Plan is notable for its family-friendly coverage, offering coverage for children at no additional cost, making it an excellent option for family vacations.

Insider’s Tip: Their Gold Plan is ideal for families traveling with children.

HTH Worldwide

HTH Worldwide is known for its high medical coverage limits and extensive network of medical providers worldwide. They cover various medical services, including pre-existing conditions and medical evacuation. Their plans also cater to students and expatriates. The mobile app, which helps find local healthcare providers, is a notable feature for travelers in unfamiliar destinations.

Insider’s Tip: Use their mobile app to find qualified medical care internationally.

Cigna Global

Cigna Global is a leader in international health services, offering extensive medical insurance coverage. Their customizable plans allow travelers to add modules like vision and dental care. Their 24/7 customer support, providing assistance and guidance in medical emergencies, is a critical feature.

Insider’s Tip: They offer 24/7 customer support, which is useful for emergencies.

Generali Global Assistance

Generali Global Assistance provides traditional travel insurance coverage along with specialized services. Their plans cover trip cancellation, medical emergencies, and baggage loss, and offer concierge services. Their premium plans are ideal for sports enthusiasts, offering coverage for sporting equipment and adventure sports activities.

Insider’s Tip: Their premium plans offer coverage for sporting equipment.

The Bottom Line

Choosing the right travel insurance policy is crucial for peace of mind on your international travels. Whether you prioritize medical coverage, trip cancellation insurance, or specific needs like adventure sports coverage, there is a policy to suit your travel style. Always read the fine print, understand the extent of the coverage, and consider any pre-existing conditions you might have. With the right travel insurance, you can embark on your international adventures knowing you’re well-protected against the unexpected.

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The post Travel Insurance 2024 – 10 Things You Need to Know – Choosing the Right Policy for International Trips republished on Passing Thru with permission from The Green Voyage .

Featured Image Credit: Shutterstock / Song_about_summer.

For transparency, this content was partly developed with AI assistance and carefully curated by an experienced editor to be informative and ensure accuracy.

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