is travel insurance compulsory for thailand

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• Travel Insurance for Thailand

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• Key takeaways

Do I need travel insurance to visit Thailand?

Our top picks for the best thailand travel insurance, 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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Guide To Thailand Travel Insurance – ALL You Need To Know

Introduction.

Traveling can be an exciting adventure, but it also carries certain risks. From lost luggage and flight cancellations to medical emergencies and unforeseen circumstances, there are numerous potential pitfalls that can turn your dream vacation into a nightmare. That’s why travel insurance is a crucial aspect of any travel planning, especially when it comes to visiting a destination like Thailand.

Thailand is known for its stunning beaches, vibrant culture, and rich history, attracting millions of visitors each year. Whether you are planning a relaxing beach getaway, exploring the bustling streets of Bangkok, or embarking on a jungle trek, having comprehensive travel insurance can provide you with peace of mind and financial protection.

So, what exactly is travel insurance? It is a type of insurance that covers unforeseen events or mishaps that may occur during your trip. It typically provides coverage for medical expenses, trip cancellation or interruption, lost or stolen belongings, and other travel-related uncertainties. By having travel insurance, you can mitigate potential financial losses and ensure a smooth and worry-free journey.

When it comes to Thailand, travel insurance becomes even more crucial. While Thailand is generally considered a safe destination, accidents and medical emergencies can happen anywhere and at any time. Moreover, health standards and medical costs in Thailand may vary, and having the right insurance can help you access quality healthcare without bearing the burden of exorbitant expenses.

There are various types of travel insurance policies available, and the coverage and benefits they offer can differ. It is essential to choose a policy that aligns with your specific needs and travel plans. Factors such as the length of your trip, activities you plan to engage in, and your medical history should be taken into consideration while selecting a policy.

In this comprehensive guide, we will delve deeper into the importance of travel insurance for Thailand, the types of policies available, the coverage they offer, and factors to consider when choosing the right insurance for your trip. We will also provide tips on purchasing travel insurance and guidance on making claims in Thailand. So, let’s embark on this journey to understand the ins and outs of travel insurance and ensure a worry-free and protected trip to Thailand.

What is Travel Insurance?

Travel insurance is a type of insurance that provides coverage for unexpected events and emergencies that may occur during your trip. It is designed to protect you financially against various risks and uncertainties, ensuring that you are not left stranded or burdened with hefty expenses while traveling.

Travel insurance typically offers coverage for medical expenses, trip cancellations or interruptions, lost or stolen belongings, emergency medical evacuation, and other travel-related risks. It acts as a safety net, providing you with peace of mind and financial protection in case of unforeseen circumstances.

Here’s a breakdown of the key components typically covered by travel insurance:

• Medical Expenses: This is one of the most essential components of travel insurance. It covers the costs of medical treatment, hospitalization, and emergency medical evacuation, ensuring you receive necessary medical care without incurring substantial expenses. This coverage is especially important when traveling to countries with higher healthcare costs or where access to quality healthcare can be a concern.
• Trip Cancellation or Interruption: Travel plans can sometimes change unexpectedly due to various reasons such as illness, injury, natural disasters, or other unforeseen events. Trip cancellation or interruption coverage reimburses you for non-refundable expenses such as flight tickets, accommodation, and activities in case you have to cancel or cut short your trip due to covered reasons.
• Lost or Stolen Belongings: Travel insurance offers coverage for lost or stolen luggage, personal belongings, and travel documents such as passports and visas. It provides reimbursement for the cost of replacing essential items, allowing you to continue your journey without significant inconvenience.
• Emergency Medical Evacuation: In the event of a serious medical emergency, travel insurance can cover the costs of your emergency medical evacuation to the nearest suitable medical facility or back to your home country for further treatment.

It is important to note that travel insurance policies can vary in terms of coverage limits, exclusions, and deductibles. It is crucial to carefully review the policy details before purchasing to ensure it meets your specific needs and provides adequate coverage for your trip.

Travel insurance is not only beneficial for international trips but also for domestic travel. Even when traveling within your own country, unexpected events can occur, and having travel insurance can help protect you against financial losses.

Now that we understand what travel insurance is let’s explore why it is important to have travel insurance specifically for a destination like Thailand.

Why is Travel Insurance Important for Thailand?

Thailand is a popular tourist destination known for its breathtaking landscapes, vibrant culture, and delicious cuisine. While Thailand generally offers a safe and enjoyable travel experience, having travel insurance is still crucial. Here are some reasons why travel insurance is important for your trip to Thailand:

• Medical Emergencies: Accidents and illnesses can happen anytime and anywhere, including during your trip to Thailand. Despite the country’s excellent healthcare facilities, medical expenses can still be costly, especially for foreigners. Travel insurance provides coverage for medical expenses, ensuring that you receive quality medical care without worrying about the financial burden.
• Pre-existing Medical Conditions: If you have pre-existing medical conditions, it is even more important to have travel insurance. Since most travel insurance policies exclude coverage for pre-existing conditions, it is crucial to disclose your medical history and look for policies that offer coverage for such conditions to avoid any potential complications during your trip.
• Flight Cancellations or Delays: Flights can be canceled or delayed due to various reasons, such as severe weather conditions or technical issues. This can disrupt your travel plans and incur additional costs for accommodation, meals, or alternative transportation. Travel insurance can cover these expenses, ensuring that you are not left stranded or out of pocket.
• Lost or Stolen Belongings: Losing your luggage or having your belongings stolen can be a stressful experience. Travel insurance provides coverage for lost or stolen belongings, allowing you to replace essential items and continue your trip without significant inconvenience.
• Coverage for Adventure Activities: Thailand is a popular destination for adventure seekers, offering activities such as snorkeling, diving, hiking, and more. However, these activities come with inherent risks. Travel insurance can provide coverage for any accidents or injuries that may occur during adventure activities, giving you the confidence to explore and enjoy Thailand’s adventurous side.
• Travel Assistance: Travel insurance often includes access to 24/7 travel assistance services. In case of emergencies, you can receive assistance for medical referrals, translation services, legal advice, or even help with lost travel documents or emergency cash advances. This support can be invaluable, particularly when you are in an unfamiliar country.

It is important to note that some activities and destinations in Thailand may have specific requirements for travel insurance coverage. For example, if you plan to engage in motorbike riding or certain water sports, you may need additional coverage. Always check the policy terms and conditions to ensure your activities are covered.

Travel insurance provides peace of mind and financial protection, allowing you to fully enjoy your trip to Thailand. It is an investment in your well-being and security, ensuring that you can have a worry-free and memorable experience in the Land of Smiles.

Types of Travel Insurance Policies

When it comes to travel insurance, there are various types of policies available to suit different travel needs and preferences. Understanding the different types of travel insurance policies will help you choose the one that best fits your requirements. Here are some common types of travel insurance policies:

• Single Trip Insurance: This is the most common and straightforward type of travel insurance. It provides coverage for a single trip, starting from the departure date until the return date. Single trip insurance is ideal for individuals or families who are planning a one-time vacation or a short-term travel experience.
• Annual/Multi-Trip Insurance: If you are a frequent traveler who takes multiple trips throughout the year, an annual or multi-trip insurance policy may be more cost-effective. This type of policy provides coverage for an unlimited number of trips within a specified time period, typically a year. It offers convenience and saves you the hassle of purchasing insurance for each individual trip.
• Group Insurance: Group travel insurance is designed for groups of people traveling together, such as friends, families, or colleagues. It provides coverage for all members of the group under a single policy, offering ease of administration and potentially lower premiums compared to individual policies.
• Adventure Sports Insurance: If you are planning to engage in adventure activities or extreme sports during your trip to Thailand, it is important to have specific coverage for these activities. Adventure sports insurance offers protection for injuries or accidents that may occur while participating in activities such as scuba diving, rock climbing, zip-lining, and more.
• Medical Evacuation Insurance: This type of insurance focuses specifically on emergency medical evacuation. It covers the costs associated with medical transportation to the nearest suitable medical facility or repatriation to your home country in case of a serious medical emergency that requires specialized treatment.
• Cruise Insurance: If you are planning a cruise vacation, cruise insurance provides coverage for specific risks that are unique to cruise trips, such as trip interruption due to missed port departures, medical emergencies while on the cruise ship, or itinerary changes due to unforeseen circumstances.

It is important to carefully review the policy coverage, limits, and exclusions for each type of insurance to ensure that it aligns with your travel plans and offers the desired level of protection. Additionally, consider the deductibles, claim processes, and customer service reputation of the insurance provider before making your final decision.

Choosing the right type of travel insurance policy is essential to ensure that you have adequate coverage and peace of mind throughout your trip to Thailand.

Coverage Offered by Travel Insurance for Thailand

Travel insurance for Thailand typically offers a range of coverage options to protect you against various risks and uncertainties during your trip. While the specific coverage may vary depending on the policy and insurance provider you choose, here are some common areas that travel insurance for Thailand typically covers:

• Medical Expenses: This is perhaps the most important coverage offered by travel insurance. It includes coverage for emergency medical treatment due to illness or injury while in Thailand. This coverage can include hospitalization, doctor’s fees, ambulance services, medication, and emergency medical evacuation, should it be required.
• Trip Cancellation or Interruption: If your trip to Thailand is canceled or cut short due to unforeseen circumstances such as illness, injury, natural disasters, or other covered events, travel insurance can provide reimbursement for non-refundable expenses such as flights, accommodation, and pre-paid activities.
• Lost or Stolen Belongings: Travel insurance can provide coverage for lost, stolen, or damaged personal belongings, including baggage, electronic devices, jewelry, and important travel documents such as passports and visas. This coverage helps alleviate the financial burden of replacing essential items or arranging emergency travel documents.
• Travel Delay and Missed Connections: If your flight to Thailand is delayed or you miss a connecting flight due to reasons beyond your control, travel insurance can offer compensation for additional expenses like accommodation, meals, and transportation while you wait for the next available flight.
• Personal Liability: Personal liability coverage protects you in case you accidentally cause damage or injury to others during your trip in Thailand. It covers legal expenses and compensation claims up to the policy’s specified limit.
• Emergency Assistance Services: Travel insurance often includes 24/7 emergency assistance services. This can include access to a helpline for medical advice, travel information, assistance with lost documents, or help arranging emergency medical evacuation if necessary. These services are invaluable during times of crisis when you may need support and guidance in a foreign country.

It is important to note that each travel insurance policy may have specific limitations, exclusions, and conditions. It is crucial to carefully read the policy documents to understand what is covered and any applicable deductibles or excesses.

Additionally, if you plan to engage in adventure activities or extreme sports in Thailand, it is important to ensure that your travel insurance policy provides adequate coverage for these activities. Some activities may be considered high-risk and may require additional coverage or a specialized policy.

When purchasing travel insurance for Thailand, carefully consider the coverage options offered and select a policy that aligns with your specific needs, travel plans, and budget.

Factors to Consider When Choosing Travel Insurance for Thailand

Choosing the right travel insurance for your trip to Thailand is essential to ensure that you have adequate coverage and peace of mind throughout your journey. Here are some important factors to consider when selecting travel insurance for Thailand:

• Coverage and Benefits: Take a close look at the coverage and benefits offered by the insurance policy. Ensure that it includes coverage for medical expenses, trip cancellation or interruption, lost or stolen belongings, and other essential areas based on your specific needs.
• Policy Exclusions and Limitations: Carefully review the policy exclusions and limitations to understand what is not covered. Pay attention to any pre-existing medical condition exclusions, high-risk activities, or specific conditions that may affect your coverage.
• Policy Limits and Deductibles: Take note of the policy limits, such as maximum coverage for medical expenses or baggage loss, as well as any deductibles or excesses that you may need to pay out of pocket before the coverage kicks in.
• Trip Duration: Consider the length of your trip to Thailand. Ensure that the insurance policy covers the entire duration of your stay, including any side trips or extensions you may have planned.
• Activities and Sports: If you plan to participate in adventure activities or sports in Thailand, check if your travel insurance provides adequate coverage for these high-risk activities. Some activities may require additional coverage or a specialized policy.
• Medical Coverage: Ensure that the travel insurance provides sufficient coverage for medical expenses, including emergency medical evacuation, hospitalization, and doctor’s fees. Be mindful of any pre-existing medical condition exclusions and the extent of coverage for any existing conditions.
• Travel Assistance Services: Look for a policy that offers 24/7 emergency assistance services. This can include a helpline for medical advice, travel information, and assistance with lost documents or emergency arrangements.
• Customer Reviews and Reputation: Research the insurance provider’s reputation and read customer reviews to gauge the level of customer service and satisfaction. Look for a reputable and reliable insurance provider that has a track record of efficiently handling claims and providing support when needed.
• Cost and Value: Consider the cost of the travel insurance policy and weigh it against the coverage and benefits provided. While it’s important to find a policy within your budget, prioritize value for money rather than just opting for the cheapest option.

Remember to carefully read the policy documents, ask questions if anything is unclear, and compare multiple insurance options before making a decision. Tailor your choice of travel insurance to align with your specific needs, travel plans, and budget to ensure a worry-free and protected trip to Thailand.

How to Buy Travel Insurance for Your Trip to Thailand

Buying travel insurance for your trip to Thailand is a crucial step to ensure you have adequate coverage and protection. Here is a step-by-step guide on how to purchase travel insurance:

• Evaluate Your Needs: Assess your travel plans, including the duration of your trip, activities you plan to engage in, and any specific coverage requirements. Consider factors such as medical coverage, trip cancellation/interruption coverage, and lost/stolen belongings coverage.
• Research Insurance Providers: Look for reputable insurance providers that offer travel insurance for Thailand. Read reviews, check their track record of customer service, and compare the coverage and benefits they offer.
• Compare Policies: Request quotes or use online comparison tools to compare the policies of different insurance providers. Consider factors like coverage limits, deductibles, and exclusions to determine the best fit for your needs.
• Read the Policy Documents: Carefully read the policy documents for the insurance options you are considering. Understand the terms and conditions, exclusions, and limitations of each policy. If anything is unclear, contact the insurance provider for clarification.
• Customize Your Coverage: Some insurance providers allow you to customize your coverage based on your specific needs. Consider adding extras like coverage for high-risk activities or higher coverage limits if necessary.
• Get Quotes and Compare Prices: Once you have identified the policy that fits your needs, request quotes from the insurance provider. Compare prices to ensure you are getting a policy that offers value for money.
• Purchase the Policy: Once you have chosen the policy that meets your requirements and budget, proceed with purchasing it. You may be able to buy travel insurance directly from the insurance provider’s website, through a travel agency, or through a comparison website.
• Review Policy Details: After purchasing the policy, review the policy details, including the coverage, limits, and contact information for emergency assistance services. Keep a copy of the policy document and any relevant contact information readily accessible during your trip.

It is important to note that travel insurance should ideally be purchased as soon as you have made any non-refundable bookings for your trip, such as flight tickets or accommodation. This ensures that you are covered in case of any unexpected events that may require you to cancel or change your plans.

Remember to keep a copy of your travel insurance policy and important travel documents with you while traveling to Thailand. Familiarize yourself with the claim process, including the required documentation and any time limitations for filing a claim.

By following these steps and carefully selecting a travel insurance policy that suits your needs, you can have peace of mind and enjoy your trip to Thailand with confidence.

Tips for Making a Travel Insurance Claim in Thailand

In the unfortunate event that you need to make a travel insurance claim while in Thailand, it is important to understand the claim process to ensure a smooth and successful outcome. Here are some helpful tips for making a travel insurance claim in Thailand:

• Contact your Insurance Provider: Notify your insurance provider as soon as possible after the incident or event that requires a claim. Many insurance companies have a 24/7 helpline or claims assistance number that you can reach for immediate support.
• Document the Incident: Gather all relevant documentation related to your claim. This may include police reports, medical records, receipts for expenses incurred, flight itineraries, and any other supporting documents that can validate your claim.
• Follow the Claim Submission Process: Review the policy documents to understand the claim submission process. Fill out any necessary claim forms accurately and provide all required supporting documents. Submit your claim promptly to avoid any delays in processing.
• Keep Copies of All Documents: Make copies of all claim forms and supporting documents for your own records. This way, you will have backup documentation if needed and can easily refer to them during the claim process.
• Photograph Damaged Items: If your claim involves lost, stolen, or damaged belongings, take clear photographs of the items to support your claim. This will provide visual evidence of the condition of the items before the incident.
• Keep a Record of Communication: Maintain a record of all communication with your insurance provider regarding your claim. Note down the names of the representatives you spoke with, dates of communication, and summaries of the discussions. This will help you keep track of the progress of your claim.
• Be Prompt and Organized: Respond promptly to any requests for additional information or documentation from your insurance provider. Stay organized by keeping all correspondence and updated documentation in one place for easy reference.
• Follow Up on the Claim: Keep track of the progress of your claim and follow up with your insurance provider if necessary. Understand the timelines for claim resolution and inquire about any updates or next steps.
• Maintain Open Communication: If you have any questions or concerns throughout the claims process, reach out to your insurance provider for clarification. Clear communication is key to ensuring that your claim is handled efficiently.

Remember that each insurance provider may have specific requirements and processes for making a claim. Familiarize yourself with the policy details and claim procedures before your trip to Thailand. By following these tips and being proactive, you can maximize the chances of a successful travel insurance claim and receive the reimbursement or assistance you are entitled to.

Common Exclusions in Thailand Travel Insurance Policies

While travel insurance provides valuable coverage for various risks during your trip to Thailand, it is important to be aware of the common exclusions that may apply to your policy. Exclusions are specific situations, conditions, or events that are not covered by the insurance policy. Understanding these exclusions will help you set realistic expectations and avoid potential claim denials. Here are some common exclusions in Thailand travel insurance policies:

• Pre-existing Medical Conditions: Most travel insurance policies exclude coverage for pre-existing medical conditions unless declared and accepted by the insurer. It is crucial to disclose any existing medical conditions during the application process to determine if coverage can be provided.
• High-Risk Activities: Certain high-risk activities, such as extreme sports or adventure activities, may be excluded from standard travel insurance coverage. If you plan to engage in such activities in Thailand, check if your policy offers specific coverage or consider purchasing additional coverage tailored to those activities.
• Unattended Belongings: Insurance policies often exclude coverage for loss, theft, or damage to belongings that were left unattended in public areas or vehicles. It is important to keep a close eye on your belongings and take necessary precautions to minimize the risk of theft or loss.
• Alcohol or Drug-Related Incidents: Claims arising from incidents related to alcohol or drug use may not be covered by travel insurance policies. It is important to exercise caution and act responsibly while consuming alcohol or drugs to avoid any incidents that may lead to claim denials.
• Non-Medical or Cosmetic Treatments: Travel insurance typically excludes coverage for non-essential or cosmetic treatments, such as elective surgeries or beauty treatments. Coverage is generally limited to necessary medical treatments and emergencies.
• Travel to Restricted Areas: If you travel to areas in Thailand that are deemed unsafe or restricted by the government or local authorities, your travel insurance may not cover any incidents or emergencies that occur in those areas. Always check travel advisories and adhere to safety guidelines during your trip.
• Acts of Terrorism or Civil Unrest: Some travel insurance policies may have exclusions for claims arising from acts of terrorism or civil unrest. It is important to review the policy to understand the extent of coverage in such situations.
• Undeclared Pre-existing Conditions: If you fail to disclose pre-existing medical conditions during the application process or provide false information, your claim may be denied, and your coverage could be voided. It is crucial to be honest and upfront when providing medical information to the insurance provider.

These are general exclusions, and specific policy terms may differ between insurance providers. It is essential to carefully read the policy documents and understand the exclusions that may apply to your travel insurance policy. If you have any questions or concerns, contact the insurance provider directly to seek clarification.

By being aware of the common exclusions, you can make informed decisions and take necessary precautions during your trip to Thailand. Remember that exclusions may vary, so it’s important to review and compare policies from different insurance providers to find the one that suits your specific needs and offers the best coverage.

Top Travel Insurance Providers for Thailand

When it comes to choosing the right travel insurance for your trip to Thailand, selecting a reputable and reliable insurance provider is crucial. Here are some top travel insurance providers that offer comprehensive coverage for travelers visiting Thailand:

• Allianz Global Assistance: Allianz is a well-known and trusted insurance provider that offers a range of travel insurance options for Thailand. They provide coverage for medical expenses, trip cancellations, lost baggage, and more. Allianz also has a worldwide network of assistance services to provide support in case of emergencies.
• World Nomads: World Nomads is a popular choice for travelers, particularly those who engage in adventure activities in Thailand. They offer flexible travel insurance policies with coverage for medical emergencies, trip interruptions, and lost or stolen belongings. World Nomads is known for their 24/7 emergency assistance services and their ability to cover a wide range of adventure activities.
• AXA Assistance USA: AXA is a globally recognized insurance company that provides comprehensive travel insurance coverage for Thailand. Their policies cover medical expenses, trip cancelations, baggage loss, and offer 24/7 emergency assistance services. AXA has a strong reputation for excellent customer service and prompt claim handling.
• Travel Guard: Travel Guard is a reputable travel insurance provider with a wide variety of coverage options for Thailand travelers. Their policies include coverage for medical expenses, trip cancelations, lost baggage, and offer optional coverage for adventure sports and activities. Travel Guard also provides 24/7 assistance services for emergencies.
• Seven Corners: Seven Corners is known for their comprehensive international travel insurance coverage, including options specifically tailored for travelers visiting Thailand. They offer coverage for medical expenses, trip cancelations, lost belongings, and emergency medical evacuation. Seven Corners also provides 24/7 travel assistance services.

It is important to note that the availability and specific coverage options may vary depending on your country of residence and the insurance provider’s policies. When selecting a travel insurance provider, consider factors such as reputation, customer reviews, coverage options, and the ability to customize the policy based on your specific needs.

Before purchasing travel insurance, carefully review the policy details, coverage limits, and exclusions to ensure that it aligns with your travel plans and provides the desired level of protection. It may also be beneficial to obtain quotes from multiple providers to compare prices and coverage options.

Keep in mind that individual preferences and needs may vary, so it’s essential to choose a travel insurance provider that meets your specific requirements and gives you peace of mind during your trip to Thailand.

Traveling to Thailand can be an exciting and enriching experience, but it is important to prioritize your safety and well-being. Travel insurance is a crucial aspect of any travel planning, offering financial protection and peace of mind in the face of unexpected events or emergencies.

Throughout this comprehensive guide, we have explored the importance of travel insurance for Thailand and discussed the various types of policies available. From coverage for medical expenses and trip cancelations to protection against lost or stolen belongings, travel insurance offers essential benefits for travelers exploring the Land of Smiles.

When choosing travel insurance for Thailand, it is important to consider factors such as coverage options, policy exclusions, and the reputation of the insurance provider. By evaluating your unique needs and comparing different policies, you can select the coverage that aligns best with your travel plans.

Remember to review the policy documents carefully and understand the limitations and exclusions that may apply to your travel insurance. Additionally, take note of the claim process and keep all relevant documentation in case you need to make a claim while in Thailand.

Lastly, we highlighted some top travel insurance providers known for their comprehensive coverage and reputation. However, personal preferences and needs may vary, so ensure that you choose an insurance provider that suits your specific requirements and gives you the confidence to explore Thailand worry-free.

Travel insurance is an investment in your well-being and security, allowing you to focus on enjoying the vibrant culture, stunning landscapes, and unforgettable experiences that Thailand has to offer. So, before embarking on your next adventure, make travel insurance a priority and journey to Thailand with peace of mind.

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Guide To Travel Insurance For Thailand

Published: Nov 6, 2023, 3:37pm

Table of Contents

Travel insurance for thailand, what travel insurance won’t cover for thailand, frequently asked questions (faqs).

Millions of tourists travel to Thailand every year for its centuries-old culture, white sandy beaches, delicious food, floating markets, world-class hotels and vibrant nightlife—with around 800,000 of those tourists being Australians.

For Aussies thinking of heading to Thailand in the near future, it makes sense to invest in a comprehensive travel insurance policy that covers you for all eventualities.

If you don’t know where to start, or are unsure of what you will or will not be covered for, then read on for our complete guide to travel insurance for Thailand.

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For travel to Thailand, you’ll need a policy specific to Thailand, or a worldwide travel insurance policy–but one that doesn’t include the USA, Canada, the Caribbean (and in certain cases Mexico and Greenland) as you won’t be travelling there. The cost of medical treatment at these destinations can be particularly expensive, which means premiums are higher.

Therefore, if you are travelling to Thailand, a worldwide policy that excludes North America will be adequate. To find our leading picks for comprehensive travel insurance policies, click here . You can also find out how to lower your travel insurance premiums in our guide to cheap travel insurance .

Do I Need Travel Insurance for Thailand?

While travel insurance is not mandatory for Thailand, it’s prudent to obtain a comprehensive policy before you go. Cover for medical expenses is highly recommended, in case of an accident or illness while you’re away.

Most good travel insurance policies offer unlimited cover for medical emergencies and may also include repatriation to Australia if necessary.

Be aware that you won’t be covered for any pre-existing conditions and you will have to flag these to your insurer before you travel, and they may be excluded from any claim.

If you need emergency medical assistance while in Thailand, dial 1669 and ask for an ambulance. You should contact your insurance company promptly if you are referred to a medical facility for treatment.

Other coverage areas to consider when purchasing insurance include:

• Cancellation of your trip, curtailment or missed departure – make sure the maximum limits will cover the full cost of your trip (insurers will usually be clear in their terms and conditions about what reasons will be accepted so be sure to double check).
• Loss or theft of baggage and personal items (good policies should also cover cash). Again ensure the maximum limit will cover the value of your belongings.
• Personal liability cover covers you in the event you accidentally injure someone or damage property while on holiday. Most good policies should provide at least $1 million of personal liability cover.

When it comes to travel insurance for Thailand, cheapest often won’t be best. Check the levels of cover when comparing policies including individual item limits for your personal belongings.

Also review the excess you’ll be asked to pay. This is the first part of any claim you have to cover yourself. The excess can vary widely between different policies depending on your age, what you plan on doing overseas, and any pre-existing conditions.

Can I Get Extra Cover for Thailand?

Many travel insurance policies offer optional add-on extras, which you may need for your trip to Thailand. Make sure you want the cover, however, otherwise you could end up paying more for extras you don’t need.

If you’re planning on scuba diving or bungee jumping, or other activities an insurer might deem to be higher risk (be aware even horse riding is viewed as a risky sport by some insurers), you might be able to add adventure sports to your policy for an extra cost. Check that the activity or sport you want to do is covered.

If you’re backpacking in Thailand, perhaps as part of a longer trip, you might be better off looking into backpacker insurance or extended-stay insurance that will cover you for more than the standard 31 days.

There are also optional extras to cover expensive phones, laptops and other tech, in case of theft, loss or damage.

If you’re planning to undertake paid or voluntary work while you’re in Thailand, you may need to take out additional insurance, especially if the job involves manual labour, working at heights or with animals.

Are There Still Covid Restrictions When Traveling to Thailand?

Travellers entering Thailand from Australia are not required to show any proof of Covid vaccination or negative test results, and there is no need to download the mobile app to show vaccination records.

If you test positive for Covid and present with no or mild symptoms, you are not required to isolate. However, you should still take sensible precautionary measures and avoid situations that would transmit Covid to others.

If you have severe symptoms, or any questions related to Covid while you’re in Thailand, you should call the Thai Covid-19 Hotline on 1422.

Luckily, many travel insurance policies include coverage for Covid-19 within their medical coverage.

No matter how robust your travel insurance policy, you’re unlikely to be covered if you injure yourself or others while under the influence of drugs or alcohol.

Similarly, your cancellation cover won’t cover you if you simply decide you don’t want to travel.

Most travel insurance won’t cover you for scheduled airline collapse, so if you’re concerned about this seek out policies which do include it or you can look into standalone policies.

How Do I Find Cheap Travel Insurance for Thailand?

In addition to your own research, we recommend you check out our guide to our pick of the best comprehensive travel insurance policies .

Remember, just because a policy is cheap, doesn’t mean it’s fit for purpose. Getting the level of cover you need is the most important thing.

If you’re likely to be travelling abroad more than once over the next 12 months, it may be more cost effective to buy an annual multi-trip policy rather than a single trip policy.

How much does travel insurance cost for Thailand?

The cost of travel insurance varies greatly depending on your age, the duration of your trip, the activities you will be participating in, and of course, the destination. For a broad estimate of how much travel insurance may cost for Thailand, Forbes Advisor Australia has reviewed a few quotes from different leading travel insurance providers.

A 30-year-old traveller going to Thailand for two weeks may be looking at approximately $150-$200, while a 60-year-old going for a month could be looking at approximately $290-$350.

Of course, if there are more travellers going on the trip together or an entire family, this may mean different costs per traveller due to discounts. As mentioned above, age, duration of trip and other conditions or activities will affect the price of your Thailand travel insurance, which is why the above quotes should be taken as a guide only.

What is the best travel insurance for Thailand?

Forbes Advisor Australia reviewed some of the leading travel insurance policies for Australians, however, these were not location-specific. Regardless, some of our top choices whether you are travelling to Thailand or elsewhere include Travel Insurance Direct, Allianz, Bupa and InsureandGo.

Do Australian citizens need a visa for Thailand?

No, Australian passport holders are not required to obtain a visa when entering Thailand for tourism purposes. However, they are not permitted to stay in Thailand for a period exceeding 30 days each visit, and are only allowed to enter Thailand through land border without a visa twice per calendar year.

Should I buy travel insurance for Thailand?

While travel insurance isn’t compulsory for Thailand–nor any country–it is highly recommended by both the government and travel agents. By having travel insurance, you can rest assured you won’t be out of pocket if you require medical attention overseas, or for other unfortunate events such as cancellations or theft.

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Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany site, Sophie has worked closely with finance experts and columnists around Australia and internationally. Sophie grew up on the Gold Coast and now lives in Melbourne.

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Home » Southeast Asia » Thailand » Travel Insurance

Guide To Thailand Travel Insurance – ALL You Need To Know

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

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

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

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

Do I Need Travel Insurance For Thailand?

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

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

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

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

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

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

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Healthcare in Thailand

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

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

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

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

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

Crime in Thailand

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

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

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

Issues Facing Travellers in Thailand

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

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

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

Common Activities in Thailand

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

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

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

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

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

Emergency Accident & Sickness Medical Expenses

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Adventure Sports and Activities

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

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

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

Accidental Death and Dismemberment

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

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

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

Gear and Electronics Cover

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

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

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An eSIM works just like an app: you buy it, you download it, and BOOM! You’re connected the minute you land. It’s that easy.

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

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

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

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

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

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

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

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

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

Talk about efficient and effective, Heymondo are up-to-date when it comes to combining travel insurance with technology in the digital world of 2022. What truly sets them apart is their assistance app offering a 24-hour medical chat, free emergency assistance calls and incident management. How reassuring is that?! They also have a convenient and complication-free way to make a claim straight from your phone.

Medical expenses are covered up to $10,000,000 USD so try not to damage yourself anything over that amount… If you’d like travel insurance that operates with that little extra swiftness and ease, give these guys a go. They offer multiple options – single trip, annual multi-trip and long stay. We’ve focused on single trip, but do check out the others and find what fits your next adventure.

• Emergency Accident & Sickness Medical/Dental Expenses –$10,000,000 USD
• Baggage and Personal Property – $2,500 USD
• Repatriation and Early Return – $500,000 USD
• Non-Medical Emergency Evacuation – $10,000 USD
• Trip Cancellation – $7,000 USD
• Trip Disruption – $1,500 USD
• Covid 19 coverage included in all plans

If you need more convincing, click the link below to get 5% off your Heymondo travel insurance plan!

Columbus Direct

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

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

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

World Nomads

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

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

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

Iati Seguros

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

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

Standard Plan

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

Insure My Equipment

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

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

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

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

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

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

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

Backpacking BangkokIs Thailand Safe?

Where To Stay in Thailand

Is Thailand Expensive?

Still awake? We know travel insurance isn’t the wildest travel topic to muse over when planning your next trip, but needs must. And in a crazy place like Thailand, it’s useful to know what to expect should a medical or emergency situation arise.

Hopefully, this guide has helped you find the most suitable – or at least the cheapest – Thailand travel insurance for your needs. Now, you can focus on researching the best Thai island and browsing (ethical) elephant sanctuaries. Once you’ve found your match with the best insurance for Thailand, check out some of our travel guides to the Land of Smiles.

And for transparency’s sake, please know that some of the links in our content are affiliate links . That means that if you book your accommodation, buy your gear, or sort your insurance through our link, we earn a small commission (at no extra cost to you). That said, we only link to the gear we trust and never recommend services we don’t believe are up to scratch. Again, thank you!

Aiden Freeborn

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Full details: Thailand’s new vaccination and travel insurance requirements

From 9-31 January 2023, Thailand will require all visitors to be fully vaccinated, and some to purchase travel insurance. Here's the full details.

On Friday, Thailand announced that it would impose a vaccination requirement for all visitors, as well as mandatory travel insurance in some cases. Like most Thai government announcements, this happened on short notice without a lot of concrete details, leaving people to speculate on the implementation. 

We now have the full details of the tightened requirements, which will provisionally run from 9 January 2023, 0100 hours to 31 January 2023, 1659 hours  (and subject to further extension). 

While it was previously thought that unvaccinated travellers would be barred entry altogether, there’s been a last-minute change that allows them to visit, subject to an on-arrival COVID-19 test (it’s not clear what kind of test or where it’ll be administered). 

Singapore Airlines’ travel advisory page has been updated accordingly.

Vaccination requirement

During this period, Thailand will require all visitors to be fully vaccinated with one of the following vaccines.

No booster shot is required, and there is no restriction on how recent your latest jab must be. You could theoretically have been vaccinated back in 2021 with no boosters since then, and still meet the criteria!

Exemptions exist for:

• Children aged below 18
• Individuals who have recovered from COVID-19 at least seven days but no more than six months ago
• Passengers with Thai passports
• Transit passengers who are connecting to another international flight
• Those who are medically ineligible to be vaccinated (with supporting proof from a doctor)

While there was previously the option to present a negative COVID-19 test result in lieu of a vaccination certificate, this is no longer the case. 

Airlines will be responsible for checking vaccination certificates at the point of departure, although obviously the immigration authorities can demand to see your certificate on arrival as well. 

Travel insurance requirement

Passengers travelling to Thailand from a country where their return may be prevented due to COVID-19 must purchase travel insurance with COVID-19 coverage. The policy must cover the duration of their stay in Thailand, plus a further seven days.

Thai passport holders are exempt from this requirement, as are transit passengers.

For example, China requires all visitors to present a negative PCR test taken within 48 hours of departure, so a Chinese national travelling to Thailand would need to purchase travel insurance for the duration of his/her stay.

I believe that you should purchase travel insurance regardless of the regulations, but find the couching of this requirement to be very weird. I mean, if the concern is people running up expensive hospital bills in Thailand due to COVID, then shouldn’t the requirement apply to everyone? Why only have it in the case where testing is necessary? It’s almost like a “don’t ask, don’t tell” thing. 

Singapore does require unvaccinated individuals to take a pre-departure COVID test, but since unvaccinated individuals won’t be permitted entry into Thailand in the first place, this is a moot point. 

Thailand has unveiled the details of its vaccination and travel insurance requirements, and I suppose the good news is that the vast majority of Singaporeans will be unaffected. More than 90% of the population here has completed their primary series, and Singapore does not require vaccinated individuals to take a pre-departure test (hence Thailand won’t require us to buy travel insurance- though you still should!).

For what it’s worth, the ever-reliable Richard Barrow does not believe the vaccination certificate requirement will be around for long (do follow him on Facebook for the latest). In a way, that would be par the course for Thailand’s travel restrictions- introduced on short notice, then changed again shortly after! 

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Hack: skip the immigration lines in kuala lumpur with priority pass, details: changi terminal 2 northern wing reopens, 19 comments.

It is a good move. People who refuse to take an extremely safe and largely effective vaccine for the benefit of themselves, their family, and society, should not expect they can avail themselves of all the benefits that society offers. Thailand has basically now said, if you won’t be a responsible citizen, then don’t come here. Great move I think.

Yup. I do think however that the issue people have is how little notice was given. i’m all for vaccination requirements, but the way the thai government announces things last minute really doesn’t help the case.

Such mimicry; such idiocy that misuse concepts completely beyond the understanding, well done wanker, you sucked it up all. next wednesday i have a diner a « Dinner of Fools » are you available?

Nope. I am in Thailand next Wednesday. And gladly fools like you won’t be around anymore. Fabulous. I suggest you spend the time you now have spare on Wednesday to climb out of your rabbit hole and educate yourself. That would be to the benefit of you personally, and everyone else.

my husband (32yo) got serious side effects on his heart from his second jab and became heavily handicapped. he is now no longer autonomous and lost his job. We are now living from the subsidies from govt. he had caught covid two times before w/o any issues. so u have the right to have ur own opinion but stop being so assertive on something you do not understand 

Source: Trust me bro

Its silly for the Thai government to impose the insurance check on check-in agents. A passenger can easily give a country that does not that does not require testing for entry as their onward country or say they will be crossing the land border after their stay in Thailand. The agent will have no way to verify.

I wonder how many of them will actually bother.

And those who are traveling without luggage and with an e-boarding pass can bypass the check-in agent altogether.

as far as I know, as soon as there is even one requirement upon entry for an SQ flight, the e-boarding pass will not get issued.

What about other airlines? AirAsia relies heavily on online and self check-ins at the airport. Online check-ins are available up to 1 week in advance.

I already have my e-boarding pass for a flight to BKK next week and I’m traveling with hand luggage. We’ll see if the autogate allow me through without any document checks.

The re-introduction of checks is hastily done and the Thai government pushes the responsibility to airlines. There will be many passengers that will slip through the net.

“I believe that you should purchase travel insurance regardless of the regulations”. Sure, but buying insurance for 7 days longer than your intended trip’s length….?

That was a confusing one. I don’t know how policies work in Thailand, but for most policies I see in Singapore there will be automatic extension if your overseas sickness delays your return home.

Ok. good that I have an annual travel insurance policy. No need to headache hahaha

Local Thai news just reported that this new requirement has been scrapped by the government overnight.

Local Thai TV.

Is there a resource for seeing if travel insurance is needed? My wife and a friend leave tomorrow to take a long-delayed girls trip from the USA to Cambodia then Thailand. I dearly don’t want to have them entangled in some argument with me not there to fight on their behalf since both have health insurance.

https://www.singaporeair.com/en_UK/sg/travel-info/covid-19/

Requirement rescinded – thank God…

https://www.channelnewsasia.com/asia/thailand-removes-entry-requirement-proof-covid-19-vaccination-3192236

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Top Travel Insurances for Thailand You Should Know in 2024

Byron Mühlberg

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

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

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

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

Thailand Insurance Profile

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

Best Travel Insurances for Thailand

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

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

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

Do I Need Travel Insurance for Thailand?

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

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

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

VisitorsCoverage: Best Medical Coverage

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

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

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

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

Insured Nomads: Best Trip Coverage

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

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

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

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

SafetyWing: Best Combination For Youth

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

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

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

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

How Do They Compare?

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

Data correct as of 4/1/2024

FAQ About Travel Insurance to Thailand

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

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

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

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

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

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

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

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

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

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Latest Thailand Entry Requirements

After two years of dealing with Covid, international travel is returning to normal. To help welcome visitors back to the Land of Smiles, the Thai government lifted its final restrictions on July 1st, 2022.

From July 1st, the following changes have been implemented for all international travelers.

• Foreigners do not need to show proof of Covid Insurance.
• All mandatory hotel quarantine has been removed.
• Thailand Pass is no longer required for foreign travelers entering Thailand.
• Vaccinated travelers do not need to provide proof of vaccination to Thai authorities before arriving.
• Unvaccinated travelers (including children traveling with unvaccinated parents) will need to complete an RT-PCR or Professional Antigen Test (Pro-ATK) 72 hours before departing for Thailand. Proof does not need to be uploaded before traveling.
• Airlines and Thai Immigration will do random checks to confirm travelers meet Covid prevention requirements (vaccination or Covid test).

Below is a full list of what international travelers need before entering Thailand.

Required Documents for Travel to Thailand

Please have the following documents ready.

• Passport with at least six month validity
• Visa or visa exemption qualification
• Buy Thailand Travel Insurance
• Boarding pass to be presented at Passport Control
• Hotel booking confirmation if asked by Immigration Officer
• Note: Vaccination record no longer required

Incorrect documents will delay the entry screening by rules from the Thai immigration bureau and its Thai immigration officials.

Buy Your Insurance Now

Passport Validity / Visas

The first thing to check before planning to travel to Thailand is the validity of your passport. International travel requires that your passport is not expiring within six months of your travel date. If you have less than six months left on your passport, you cannot enter Thailand.

If you are planning to travel in the future, check your passport early so you know if you need to apply for a new one or not. It is best to check with your local embassy about how long it will take to receive your new passport. As people look to travel again, passport departments are swamped with new applications and this is causing a backlog in many countries.

There are several visas available to foreigners who are planning to visit Thailand. The visa you need will depend on where you are from, your purpose of travel, and how long you intend to stay.

Visa Exemption

A foreign visitor may enter Thailand under the Visa Exemption Program . Nationalities under the Visa Exemption Program may enter Thailand without a visa from a Thai Embassy or Consulate.

Upon arriving in Thailand, most nationalities who are part of the Visa Exemption Program may stay for up to 30 days. Certain nationalities can arrive as part of this program, but for a shorter time. It is best to check the country exemption list and confirm how long you can visit Thailand without needing to apply for a Visa.

Tourists arriving under visa exemption are eligible to extend their stay for up to a further 30 days by visiting a local Thai Immigration Office. The cost to extend is approximately 2000 baht.

There is often confusion about Visa Exemption and “Visa on Arrival”. Visa on Arrival is a 15-day visa for travelers from India,  China, and 16 other countries. If you do not find your country on the Visa Exemption list, it is best to check the Visa on Arrival list.

There are some important things to note for Visa on Arrival:

• A passport must be valid for at least 30 days.
• The purpose of the visit is strictly tourist.
• A visitor must show an address in Thailand where they will be staying.
• A traveler must have a confirmed return flight.
• Must show proof of funds to the value of 10,000 baht per person or 20,000 baht for a family.
• A fee of 2000 baht is paid on arrival. The fee must be paid in cash and in Thai baht.

Tourist Visa and Special Tourist Visa (STV)

Foreigners may also apply for a Tourist Visa from a Thai embassy or consulate. There is the normal 60-day tourist visa that can be extended for additional 30 days, or the 90-day Special Tourist Visa (STV), which can be extended for 90 days twice at a local immigration office. There are certain requirements needed for the STV, but it allows a visitor to potentially stay in Thailand for 9 months. The Special Tourist Visa is currently scheduled to halt applications in September.

Contact your local Thai Embassy to verify what documents are needed to complete the process. When your visa is approved, the Embassy will place a sticker on your passport, so allow time for potential postage.

For those entering Thailand for a different purpose of stay, they need to obtain a Thai visa from their local Thai Embassy or Consulate prior to coming to Thailand.

Non-Immigrant Visa

Foreigners may apply for a wide range of long-term non-immigrant visas:

• Non-immigrant B Visa – for conducting business or employment
• Non-immigrant O visa – for visiting Thai spouse and family
• Non-immigrant ED visa – for students of recognized institutions in Thailand and their Parents or Legal guardian
• Non-immigrant O retirement visa – for those who wish to retire in Thailand
• Non-immigrant OA and OX visa – for those who wish to obtain a Thailand retirement visa for a long stay (it differs from type O visa)

The above visas can be organized at a local Thai Embassy or Consulate. The paperwork can be quite involved, but there are companies that can help.

Siam Legal International is a reputable company in Thailand that has offered visa assistance to foreign visitors for years. They are well versed in Thai immigration policies and processes. If you would like to streamline your long-term stay in Thailand, it is worth contacting them.

Thai Elite Visa

If you wish to make Thailand easily accessible for many years to come or are perhaps thinking of relocating permanently, it is worth having a look at the Thai Elite Visa.

The Thai Elite Visa allows foreign citizens to live in Thailand for 5, 10, or even 20 years. Thai Elite members do not need to worry about some of the eligibility criteria that are needed when applying for other long-term visas.

The Thai Elite visa is an exclusive visa that offers a host of benefits to holders. If you want to enjoy “Thai life” for the long term, you can read more about the Thai Elite Visa .

Proof of Vaccine or Testing

How a visitor enters Thailand will still depend on their vaccination status.

Vaccinated Travelers

Vaccinated travelers do not need to provide proof of vaccination to Thai authorities before arriving. A vaccinated traveler will need to have a copy of their vaccination certificate either printed or on a digital device and be able to present it if asked.

Thailand does not require visitors to have had a third booster shot. 2 shots (1 shot for Jansen) is considered fully vaccinated and accepted.

Unvaccinated Travelers

Unvaccinated travelers will need to complete an RT-PCR test or Professional Antigen Test (Pro-ATK) within 72 hours before boarding a flight in their departure country. They will need to have a copy of the test result and be able to present it if asked.

The RT-PCR and Pro-ATK test must be completed by a medical professional and a test report received. The home ATK (RAT) self-test is not acceptable for entering Thailand.

Vaccination and Testing for Children

The testing requirement for children under 18 depends on the vaccination status of their parents. Children traveling with vaccinated parents do not need to complete any RT-PCR or Pro-ATK test before entering Thailand. Children traveling with unvaccinated parents will need to complete the same test as their parents within 72 hours of departing their home country.

It is important to note that many airlines are still asking for proof of vaccination or a Covid test before boarding flights. If you cannot produce one of these documents, you might not board the flight.

Though foreigners no longer need to provide evidence of testing or vaccination prior to arriving in Thailand, they are still required. Thai authorities are conducting random checks of international passengers and if a vaccination certificate or test result cannot be shown, a visitor will not be allowed to enter Thailand.

Insurance has become a dirty word during Covid. Seasoned travelers have always understood the importance of having comprehensive Travel Insurance when traveling abroad. Travel insurance protected travelers from unexpected incidents like:

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

It was one of those things that people hoped they would never need but regretted not having when needed.

During the Pandemic, proof of insurance became mandatory when visiting countries like Thailand. Over time, people stopped referring to insurance as “Travel Insurance” and always referred to it as “Covid Insurance”. Because you had to have it, it was another hoop to jump through.

The good news is that you no longer need to provide proof of “Covid Insurance” to enter Thailand. But it is recommended because all the things listed above can still happen, and Covid has not disappeared completely.

Foreign visitors are not eligible for free medical care in Thailand if something should happen. Whether it be an accident or personal injury, if a visitor needs medical help, or has a canceled flight, they will need to cover any expenses themselves. Depending on the severity, this could be hundreds, if not thousands, of dollars.

Buying good Travel Insurance shouldn’t break the bank. Protecting yourself is cheaper than medical bills, new flights, and replacing lost luggage.

You can buy Travel Insurance from many companies. But if you are looking for coverage that is designed for Thailand, is trusted by Thai authorities and medical institutions, and offers a helpline with people who speak the local language and know the country’s procedures, it is worth checking out AXA Thailand .

Their policies are well priced, straightforward, offer many benefits to its customers, and can be approved in minutes.

Get your travel insurance here: https://u.axa.co.th/Sawasdee_Siamlegal

Hotel and Proof of Address Updates

Previously, a foreign visitor would complete an Arrival Card (TM6) before entering Thailand. This requirement has been temporarily removed as part of a new initiative by the Thai government.

A visitor no longer needs to provide proof of a hotel booking before departing their country, but will still need to provide an address when passing through Passport Control in Thailand. This address can be a hotel, home, or friend’s address.

This is especially true with people arriving on a pre-approved visa from a Thai Embassy or Consulate.

From July 1, travelers are no longer required to book a SHA+ hotel and undergo an RT-PCR test on arrival. Most hotels have removed their SHA+ quarantine packages, but you will still see the SHA+ badge displayed on hotels.

It is recommended to browse hotels in Thailand on Agoda.com before arriving as it is easier to organize transport to your first night’s rest if pre-booked.

Thailand Pass

From July 1st, 2022, foreign travelers no longer need to apply for a Thailand Pass before entering Thailand. The system is still in place but is now a platform where visitors can notify the Thai authorities and medical facilities if they are diagnosed positive for Covid during their stay.

If you need to access the Thailand Pass system while in Thailand, please visit https://tp.consular.go.th/ and register by filling in your personal details on the Thailand Pass registration page.

International Arrivals

Travelers do not need to provide any proof of flights before leaving their home country.

There is a lot of discussion about whether a return flight needs to be booked when entering Thailand. Technically, all visitors should have a return flight booked. However, you will not always be asked to present evidence of a return flight.

If a visitor is entering Thailand with a pre-approved visa, or Visa on Arrival, they will often be asked to present details of their exit flight. Sometimes a visitor did not have a return flight and had to book a flight on the spot before being processed through Passport Control. To avoid this, it is best to book an exit flight that can be changed. You can always change your plans once in Thailand.

Domestic flights

There are no longer any restrictions on domestic flights and travel. When entering Thailand at an international terminal, a traveler is free to transit to a domestic flight right away. “Sealed” flights have been removed.

Domestic airlines will not always ask for proof, but it is best to have your vaccination certificate or Covid test result on hand in case you are asked to show it.

Siam Legal has received reports from potential clients that some hospitals are creating difficulties for them until full payment is made for their medical expenses. Also, foreigners have allegedly been threatened with lawsuits for not settling their medical bills before being discharged. Using out-of-country policies can be problematic. We recommend using insurance providers headquartered inside Thailand with a proper cover to avoid any undesirable outcomes.

Siam Legal International, a premier law firm in Thailand, recommends purchasing the proper insurance and so endorses AXA Insurance for your travel to Thailand insurance needs.

HERE ARE SOME IMPORTANT POINTS YOU NEED TO KNOW BEFORE PURCHASING TRAVEL INSURANCE

• Please review the details of any insurance before purchasing to understand if the policy has adequate cover. Cheap policies with inadequate levels of cover can lead to significant personal liability, and scenarios where policy holders incur hundreds of thousands of baht in out-of-pocket medical expenses have been reported. There are significant financial risks to being underinsured during your stay in Thailand.
• These policies do not cover medical costs from accidents (like motorcycle accidents) or common unexpected illnesses (common fever or food poisoning). Best to pay a few baht more for the peace of mind that comes from having proper coverage.
• AXA covers medical expenses (outpatient and inpatient) for accidents and illnesses, including COVID-19. Other insurance coverage might not.
• AXA also covers telemedicine and teleconsultation, which may be required during the quarantine period of any traveler.

Thai hospital staff are familiar with AXA cover, which should prevent any inconvenience during hospital admission or medical treatment from your hotel room. AXA Thailand also offers 24/7 local support during your stay in Thailand.

You can buy your Thailand Travel insurance today at:

https://u.axa.co.th/Sawasdee_Siamlegal

List of approved covid-19 vaccines.

As of December 1, the MoPH has approved the following vaccines:

• Pfizer–BioNTech or Comirnaty
• Janssen or Janssen/Ad26.COV2.S
• AstraZeneca or Covishield
• Sinopharm or COVILO
• CoronaVac or SinoVac
• Sputnik Lite

How to Obtain Travel Insurance

Though COVID-19 insurance is no longer mandatory for entry to Thailand, it is recommended to have comprehensive Travel insurance for the duration of your stay. Good travel insurance covers not only medical expenses relating to Covid but also accident cover, personal damage, loss of possessions, and missed or delayed flights.

It is best to purchase insurance before you travel. The easiest way to buy your policy is online through a reputable insurance provider. The insurance company will provide you with the all-important certificate of cover that you can present to authorities or medical professionals if you need to make a claim.

You may also be asked to present this certificate to the airline before they will allow you to onboard. It’s quick and easy to do online. You can choose your length of policy from 7, 15, 30, 60 days, and 180 days. Just make sure that the policy covers your entire period of stay in Thailand as foreigners are not eligible for free medical care in Thailand and insurance companies will not cover claims for existing conditions.

You may purchase AXA COVID-19 travel insurance within a few minutes. Check them below.

You can buy budget insurance here: https://www.siam-legal.com/axa-insurance

How to Open a Bank Account in Thailand

Siam Legal offers and provides aid for a smooth and hassle-free way to open up a Thai bank account.

• You will receive help in opening a savings/current bank account
• You will receive a Bankbook and a debit/ATM card
• Online Banking (Thai mobile number is required)

Requirements

• Guarantee letter (to be provided by Siam Legal)
• The applicant may book our service online.
• Our staff will prepare the application and necessary documents for the bank and arrange an appointment with the applicant.
• The applicant will collect the application form and documents from the Siam Legal Bangkok office and proceed to the specific bank branch. Opening the account at the bank takes 1 to 2 hours.

Service Fee

Our service fee is 150 USD for opening a Thai savings account in Bangkok.

City Travel Guide

• How to Travel to Bangkok
• How to Travel to Phuket
• How to Travel to Pattaya
• How to Travel to Chiang Mai
• How to Travel to Samui
• How to Travel to Hua Hin

Useful Links

• Best COVID-19 Insurance for Foreigners  
• Thailand Elite Visa – long term visa option for Thailand
• How to Travel to Thailand in 2022 – Your Ultimate Guide

Related Posts

How to Travel to Thailand in 2024

Best Places to Retire in Thailand for Couples

How to Retire in Thailand for Couples

Thailand Travel Restrictions 2023

The Lowdown on COVID-19 Travel Insurance & the Cheapest Policy

Vaccinated and unvaccinated travelers are now allowed to visit Thailand freely.

Visitors are no longer required to have the mandatory COVID-19 travel insurance policy, and therefore the information on this page is outdated.

However, all travelers are advised to have travel insurance to cover the event of accident of illness.

+ See here for policy recommendations 

Who Needs COVID-19 Insurance?

This is a compulsory requirement for every foreign national entering Thailand, as announced by the Office of Insurance Commission (OIC) in Thailand. There are currently no exemptions.

What Must the Insurance Cover?

The policy must cover both medical expenses and costs associated with death of COVID-19.

Naturally it is also going to cover other illness and accidents, so it's essentially medical insurance with a specific focus on COVID-19.

How Long will this Requirement Last?

At the present time there is no end date, although one would assume it is likely to be a requirement throughout 2022.

It will most likely be removed once the “pandemic” is declared a non-threat to the general population by the World Health Organization and hospitalization numbers fall to a safe level.

Why Does Thailand Require This Cover?

The official line is to help visitors avoid having to pay bills out of their own pocket, which makes sense.

But I think we all know that the authorities fear that hospitals will end up picking up expensive bills for those who become ill with infection and can't pay.

While we know that serious complications affect very few people, and that COVID generally affects those with underlying health conditions, should a person become hospitalized, he or she may require a hospital stay for two weeks or more. And that can become very expensive.

Can I Use My Normal Travel Insurance Instead?

You can, but you will still need COVID-19 coverage, so check that your policy covers this area.

Many people have existing travel insurance as part of a bank account benefits package or medical insurance policy, which may not cover hospitalization due to Covid. If this is the case you will need to buy an additional policy.

Where Can I Buy an Insurance Policy?

16 Thai insurance companies have partnered with the initiative to offer COVID-19 insurance protection to foreign nationals.

The insurance can be purchased online and begins immediately upon arrival in Thailand.

The best place to buy a policy is Mr Prakan . This is a comparison site that searches a number of companies for  the best priced policy.

How Much Does the COVID-19 Insurance Cost?

The good news is that it is not expensive, though age and health status will determine the overall cost.

Of course this is something none of us want to pay, but if you're desperate to get back to Thailand, then you'll be pleased to know that a policy isn't out of financial reach (for most).

I'm from the UK, which is of low risk (currently), and the policy was reasonable.

Let's have a look at a quote I got based on a 90-day stay. I entered my age as 54 years old (1966, the year England won the world cup), and as traveling from the United Kingdom.

The policy came in at just under 6,000 Baht.

If you are 10 or even 20 years younger, the price drops accordingly. If you're lucky enough to be in your 20's and from a low risk country, you'll be looking at around 1,500 – 2,000 cheaper than my quote for 90 days.

+ Get a Quick Quote Here

I'm Over 65. Can I Get This COVID Insurance?

Yes, just recently more policies have been added to cover those in higher age brackets.

Try Mr Prakan, and you can also try AXA, which notes that they provide insurance for those age 1-75.

Here's a list of other companies you might choose to try:

• Assets Insurance Co Ltd
• Chubb Insurance Company Limited
• Navakij Insurance Co Ltd
• Pacific Cross Health Insurance
• Falcon Insurance Co Ltd
• East Insurance
• Asia Insurance 1950
• Bangkok Life Assurance Ltd
• Thailand Life Insurance

What Else Does the Insurance Cover?

In addition to COVID 19 cover, your policy will have the following additional coverage.

• Medical expenses cover
• Accidental cover
• Urgent dental care
• Repatriation cover
• Third-party cover
• Luggage insurance
• 24/7 emergency assistance coverage

How Long Can I Get a Policy For?

Policies range from 30-days to a year. My quote was for 90 days, but simply select the duration you expect to stay for in the drop down menu on the quote form.

How Does Immigration Know I Have Purchased My Policy?

When you buy your insurance, you will receive your policy and certification for COVID-19 coverage. You will show this  certificate to your embassy or consulate when applying for your visa.

You may also need to show it to immigration when entering Thailand.

Keep a print out and a copy on your phone, just to make sure you don't leave home without it.

What Other Requirements Are There to Enter?

You will need to provide proof of vaccination and  register for a Thailand Pass. The Pass must be applied for  at least 7 business days before you fly. Only once approved will you be able to travel.

You will also need to get a PCR test to confirm you are COVID-19 negative within 72 hours of your flight.

The full entry requirements are detailed on this page .

A Final Word

While this is touted as a special COVID-19 policy, it's actually a general insurance policy that covers COVID-19.

It may be that your existing policy has this cover included, so as long as it meets the $10,000 threshold 9as of May 1, 2022) you'll be good with that.

Safetywing, for example, has offered COVID cover since last August on both the Nomad and Remote policies.

They offer comprehensive, cross-territory cover, and therefore it is more expensive. More on Safetywing here.

The only other policy requirement, which is mostly standard anyway, is that the policy must allow for direct billing, which means the hospital can send bills straight to your insurer.

Do explore your policy options, but in my experience, if you want the cheapest cover, and only want medical insurance for Thailand until this COVID thing has passed, try Mr Prakan.

+ Get a COVID Policy Quote Here

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Last Updated on July 12, 2022

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Is travel insurance required for Thailand?

Click to see more content like this in the Tourist visas for thailand Category

Planning a trip to Thailand and wondering if travel insurance is a must for your tourist visa? Discover the requirements and benefits of having insurance for your Thai vacation. Read more to get the answers.

Are you planning to visit Thailand? If yes, you might be wondering if you need travel insurance for your trip. Travel insurance is not required for Thailand, but it is a good idea to have it. In this blog post, we will discuss the reasons why travel insurance can be helpful and how it can protect you during your trip to Thailand.

Why is travel insurance important?

Travel insurance is important because it can help you in case something unexpected happens during your trip. Here are some reasons why you should consider getting travel insurance for your Thailand visit:

Healthcare: Travel insurance can help cover medical expenses if you get sick or injured. Thailand has good healthcare facilities, but the cost can be high, especially for foreigners. Having travel insurance can save you from spending a lot of money on medical bills.

Lost or stolen belongings: If your luggage gets lost or your valuables are stolen during your trip, travel insurance can help you replace the lost items. This can save you from the stress and financial burden of replacing your belongings.

Flight cancellations and delays: Sometimes flights get canceled or delayed due to bad weather or other reasons. Travel insurance can help cover the cost of a new flight or accommodation if you have to wait for a later flight.

Emergency evacuation: In case of a natural disaster or political unrest in Thailand, travel insurance can help cover the cost of evacuation to a safe place.

What type of travel insurance should you get?

There are different types of travel insurance plans available. You should choose one that best fits your needs and budget. Some of the things to consider when choosing a travel insurance plan are:

Length of your trip: If you are going on a short trip, a basic travel insurance plan might be enough. But if you are planning to stay in Thailand for a longer time, it's better to get a more comprehensive plan that offers better coverage.

Activities: If you plan to do adventurous activities like scuba diving, rock climbing, or zip-lining during your trip, make sure your travel insurance covers these activities.

Pre-existing medical conditions: If you have any pre-existing medical conditions, make sure your travel insurance covers them. Some plans might not cover certain conditions or might charge extra for it.

Cost: Travel insurance plans can vary in cost. Compare different plans and choose one that offers the best coverage for your budget.

In conclusion, travel insurance is not required for Thailand, but it is highly recommended. It can help protect you from unexpected situations and give you peace of mind during your trip. If you need help planning your Thailand visit or want more information about travel insurance, feel free to contact us at Strictly Thailand. Our travel consultants will be happy to help you have the best experience in this beautiful country.

Tourist Visas for Thailand

Questions and answers for Tourist visas to Thailand

Compulsory travel insurance in Thailand

Compulsory travel insurance could be enforced in thailand this year. the bangkok post reported that travellers will be required to pay for a special policy at immigration offices in airports and the proceeds will be directed to thailand's tourism promotion fund to cover payments in the event of claims..

According to the Thai Office of the Insurance Commission, the policy will cost 20 baht (52p) for 30 days’ cover. It has been reported that it will offer up to one million baht (£26,000) of cover in case of death.

It is hoped that the introduction of compulsory insurance will promote greater confidence among travellers to Thailand. The idea was mooted following a number of tragedies involving tourists, including a boat catastrophe near Phuket in which 47 Chinese tourists were killed.

“The compulsory insurance contemplated by Thailand appears to only be covering tourists if they die and not if they are injured," said Nel Mooy, Head of Travel at AXA Insurance. "Yet," she continued, "medical expenses abroad can be very expensive – we recently paid a £164,000 claim for a British tourist involved in a road traffic accident in Thailand. Travellers need cover for medical care. They also need to ensure their insurance includes the activities they’ll engage in, like scuba diving or rafting for instance."

As such, insurers have advised that travellers should continue to purchase their own insurance, even when the new policy has been rolled out: "We recommend that UK tourists holidaying in Thailand continue to buy a travel policy in the UK no matter what," urged Mooy. "It will cover medical expenses and other costs linked to cancellations, delays, luggage loss and other mishaps. It remains a must.”

It is anticipated the scheme will be rolled out later in the year pending approval from the Tourism and Sports Ministry and having been subsequently forwarded to the cabinet.

The dangers of avoiding travel insurance

Australians failing to declare pre-exes, uninsured tourism costs japan.

I've traveled to 9 out of 10 countries in Southeast Asia. Here are the 5 biggest mistakes I made along the way.

• I've traveled solo to nine countries in Southeast Asia.
• I've made many mistakes, from traveling during monsoon season to forgetting to bring enough cash.
• Travelers should make sure they plan ahead and research each country's culture.

Over the last two years, my journey as a travel enthusiast and Business Insider's travel reporter in Singapore has brought me to almost every country in Southeast Asia.

In total, there are 10 countries in Southeast Asia , and I've traveled to nine of them — Singapore, Philippines, Malaysia, Vietnam, Thailand, Indonesia, Cambodia, Laos, and Brunei. Myanmar remains the only country in the region I have not visited, and while I am keen to explore it, I have held off on visiting because of the country's ongoing civil war.

I've watched the sun rise in Angkor Wat in Cambodia and cared for elephants in Chiang Mai, Thailand. I've explored the Bornean jungle in Brunei and crawled the Cu Chi Tunnels in southern Vietnam.

But it hasn't always been easy. I've made several mistakes traveling across the region , especially as a solo traveler. Here are five mistakes I made and how to avoid them.

1. Going during monsoon season and not planning for the weather.

In July, I traveled to Thailand on a reporting trip to cover the budding cannabis industry . There, I was met with heavy rain nearly every day. In Bangkok, I was staying in a hostel in Chakkrawat , a district with narrow, meandering streets, which made it difficult to walk anywhere in the pouring rain.

I didn't plan for the weather, so I didn't have an umbrella or poncho with me and had to rush to get one at the last minute. I also had a packed itinerary with a lot of travel between meetings, which was a hassle in the constant downpour.

Before traveling to Southeast Asia, make sure to avoid two seasons — the monsoon season, which often comes with strong typhoons in countries like the Philippines, and the burning season, where farmers burn land for fertile soil. This is a common occurrence in countries like Laos, Thailand, and the island of Borneo, which is shared between Brunei, Indonesia, and Malaysia.

When I traveled to Laos in April last year during the burning season , most of my plans — including a hot air balloon ride — were canceled because of the thick smog. I also didn't have an N95 mask with me, and I ended up with a sore throat.

If you do plan to come during these seasons, make sure to pack accordingly and plan a flexible schedule.

2. Traveling during Ramadan and expecting the same practices everywhere.

Having grown up in Singapore, I'm familiar with the practices during Ramadan , the holy month for Muslims, where they fast for most of the day. I studied Malay for seven years, and in school, I often fasted with my Muslim classmates and ate only in private.

Still, in many cities in Singapore, Malaysia, and Indonesia , non-Muslims are free to dine in public, so long as they do so respectfully. But on my trip to Brunei in April — at the height of the burning season and in the middle of Ramadan — there were more practices I needed to observe.

Most restaurants were closed, and diners weren't allowed to eat there even if they were open — only take-out was allowed. Eating in public was a major faux pas even for non-Muslims, and if you want to drink some water, you can only do so when nobody is around.

It wasn't easy, especially as Brunei was sweltering at 100 degrees Fahrenheit on some days. I made do by returning to the hotel for lunch and grabbing a big dinner with the locals at the night market after they had broken their fast.

3. Not packing enough modest outfits when visiting temples and mosques.

Southeast Asia is pretty liberal, and you can wear whatever you want in many places. In popular destinations like Phuket, Thailand, and Bali, Indonesia, lots of tourists walk around in bikini tops and shorts, and locals mostly tolerate it.

But there are certain places you do need to cover up, like places of worship, which include temples and mosques. When I visited Angkor Wat — the famed temple complex in Cambodia — in February last year, I found some tourists being told off by the local tour guides for wearing shorts and tank tops — "Tomb Raider" style.

I've learned to err on the right side of caution and bring a sarong wherever I go. It's an easy way to cover up and make an outfit more modest when you need to.

4. Forgetting to pack medication, especially when I plan to eat street food.

Southeast Asia has some of the world's most flavorful food. In every country, you can find food that is cheap and delicious, and that includes Singapore , the world's most expensive city. In countries like Malaysia and Vietnam, street food dishes can cost as little as a dollar.

I eat mostly street food when I travel in Southeast Asia, so medicine for tummy-related illnesses is a must. I've only gotten sick twice from eating street food — and it was the same dish both times— and unfortunately, those were the few times I didn't have medicine with me.

I'm a pretty adventurous eater. I've eaten everything from pufferfish stew to frog porridge and dishes made with intestines off the street. I've learned to wash the utensils provided before digging in and make sure the food is cooked to order and heated up before being served.

5. Relying on my card and not bringing enough cash with me.

In Singapore, I don't really use cash and often use Apple Pay, mobile payments, and cards. But I've found that many stores in other countries in Southeast Asia only accept cash.

For example, on my third trip to Vietnam, I spent an hour trying to make payment via bank transfer after the staff at a luxury perfume shop — which was selling items priced upwards of $200 — informed me at the last minute that they didn't accept card or contactless payment.

I've also found the majority of street vendors in the region only accept mobile payment — which is limited to local banks — or cash. I've learned to change a considerable amount of money before leaving the airport and keep whatever I didn't use for my next trip.

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