Travel Insurance for Thailand – 5 Best Sites to Search (2024)

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TravelInsurance.com (#1 Overall)

function reportWindowSize() { let barContainer = document.querySelector(“#kb-progress-bar4701_7da751-b1”); let type = “line”; let barSvg = barContainer.querySelector(“svg”); if ( ! barSvg ) { return; } let barPaths = barSvg.querySelectorAll(“path”); let path1 = barPaths[0]; let path2 = barPaths[1]; let stokeWidths = [1.75,1.75,2]; if( window.innerWidth < 768 ) { if( type === “line” ){ barSvg.setAttribute( “viewBox”, “0 0 100 ” + stokeWidths[2]); path1.setAttribute( “d”, “M 0,” + ( stokeWidths[2] / 2) + ” L 100,” + ( stokeWidths[2] / 2)); path2.setAttribute( “d”, “M 0,” + ( stokeWidths[2] / 2) + ” L 100,” + ( stokeWidths[2] / 2)); } path1.setAttribute( “stroke-width”, stokeWidths[2]); path2.setAttribute( “stroke-width”, stokeWidths[2]); } else if( window.innerWidth < 1025 ) { if( type === “line” ){ barSvg.setAttribute( “viewBox”, “0 0 100 ” + stokeWidths[1]); path1.setAttribute( “d”, “M 0,” + ( stokeWidths[1] / 2) + ” L 100,” + ( stokeWidths[1] / 2)); path2.setAttribute( “d”, “M 0,” + ( stokeWidths[1] / 2) + ” L 100,” + ( stokeWidths[1] / 2)); } path1.setAttribute( “stroke-width”, stokeWidths[1]); path2.setAttribute( “stroke-width”, stokeWidths[1]); } else { if( type === “line” ){ barSvg.setAttribute( “viewBox”, “0 0 100 ” + stokeWidths[0]); path1.setAttribute( “d”, “M 0,” + ( stokeWidths[0] / 2) + ” L 100,” + ( stokeWidths[0] / 2)); path2.setAttribute( “d”, “M 0,” + ( stokeWidths[0] / 2) + ” L 100,” + ( stokeWidths[0] / 2)); } path1.setAttribute( “stroke-width”, stokeWidths[0]); path2.setAttribute( “stroke-width”, stokeWidths[0]); } } window.onresize = reportWindowSize; var waitForProgressBar4701_7da751b1 = setInterval(function () { if (typeof ProgressBar !== “undefined” ) { clearInterval(waitForProgressBar4701_7da751b1); let responsiveStrokeSizes = [1.75,1.75,2]; let initialStroke; if( window.innerWidth < 768 ) { initialStroke = responsiveStrokeSizes[2]; } else if( window.innerWidth < 1025 ) { initialStroke = responsiveStrokeSizes[1]; } else { initialStroke = responsiveStrokeSizes[0]; } let progressBar4701_7da751b1 = new ProgressBar.Line(“#kb-progress-bar4701_7da751-b1”, { color: “#ffcc00”, trailColor: “var(–global-palette7, #EDF2F7)”, duration: “2000”, easing: “easeInOut”, strokeWidth: initialStroke, }); let progressBarController4701_7da751b1 = new ScrollMagic.Controller(); let desiredAnimation = new ScrollMagic.Scene({triggerElement: “#kb-progress-bar4701_7da751-b1”}); desiredAnimation.triggerHook(0.88); desiredAnimation.addTo( progressBarController4701_7da751b1 ); desiredAnimation.on(“start”, function (e) {progressBar4701_7da751b1.animate( 0.94 , { duration: 2000, step: function(state, bar) { let value = 0; let elementContainer = document.getElementById(“kb-progress-bar4701_7da751-b1”); let elementAbove = document.getElementById(“current-progress-above4701_7da751-b1”); let elementInside = document.getElementById(“current-progress-inside4701_7da751-b1”); let elementBelow = document.getElementById(“current-progress-below4701_7da751-b1”); if( false ) { value = Math.round(bar.value() * 100 ); } else { value = Math.round(bar.value() * 5); } value = bar.value() * 5; value = Math.round( value * 10) / 10;value = value.toFixed(1); if( elementAbove ){ elementAbove.innerHTML = “” + value + “%”; } else if ( elementInside ){ elementInside.innerHTML = “” + value + “%”; } else if ( elementBelow ){ elementBelow.innerHTML = “” + value + “%”; } elementContainer.setAttribute(“aria-valuenow”, value); } } , function(){} );});} }, 125);

• Compares hundreds of insurers in one click
• Easy to see customer reviews
• Filters allow searching for coverages relating to CFAR and Covid-19.

One of the first resources I would utilize to research travel insurance options for Thailand is TravelInsurance.com. This online marketplace allows getting quotations from dozens or even hundreds of insurers in just minutes.

Some advantages of this site are its easy-to-use consumer evaluations, the convenient filter possibilities to narrow down your search, and the clearly-displayed coverage information. I like it because it makes it simple to quickly compare travel protection policies for Thailand at a glance.

Of course, all that information can get a little overwhelming, which is one drawback of TravelInsurance.com. But, overall, I think it`s the single best travel insurance site for Thailand.

VisitorsCoverage (Comparison Site)

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• It is straightforward to customize your coverage options in Thailand
• Quotes tend to be cheaper

• Having too many choices can become confusing

Coming in a close second is VisitorSafety, another travel cost examination site. VisitorSafety acts similarly, with some notable variations.

Most importantly, VisitorsCoverage lets you get a quote for either trip insurance or travel medical insurance for Thailand.

Trip insurance generally is convenient if you`re worried about travel delays or cancellations, while medical insurance is of course focused only on medical expenses. If you only need the latter coverage, this may be the most affordable place to find Thailand travel insurance.

Genki (Digital Nomad Travel Insurance)

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• Affordable monthly medical coverage
• Simple claims process

• Coverage limited to only medical expenses – no reimbursement for lost items, trip delays, or other non-medical costs associated with travel.

Thailand is an extremely popular destination for digital nomads, and Genki is a unique insurance product specifically aimed at nomads. I have personally used Genki for my most recent trip to Thailand, and so far have appreciated the service.

Genki operates on a subscription model and is intended to serve more like long-term international medical insurance for digital nomads and remote employees. It`s basically health coverage tailored for digitalnomads.

The one aspect of Genki that is important to note is that it does not provide “full” travel insurance. Genki does not offer coverage for trip cancellation, trip delay, or other travel-related risks. If having comprehensive travel insurance is a priority, you may need to pair it with a second Thailand travel insurance policy.

Another downside to Genki is its limitations, as coverage is only available to travelers under the age of 50.

Insure My Trip (Comparison Site)

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• Often finds quotes for seniors even when other sites won’t provide anything past a specific age point
• Also finds quotes for pre-existing conditions

• No clear communication provided regarding Covid insurance coverage
• Clunky user experience

Insure My Trip tends to find more quotes for seniors on this website when quickly comparing quotes for Thailand travel insurance. Therefore, if you are in that age group it may be a worthwhile place to search.

Aardy (Comparison Site)

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• Their “Best Price Guarantee” promises visitors won`t find a lower quote anywhere else.
• Covid-19 coverages are clearly highlighted

• You must provide your email simply to receive a quote (quite bothersome!)
• Less user friendly

The last travel insurance comparison website I`d search is Aardy. It necessitates entering your email address to get a quote, which I do not like.

However, I am a big enthusiast of their transparently displayed information regarding COVID-19 insurance policies. If you`re traveling such a long distance to Thailand, there is clearly a lot of risk involved with contracting COVID-19 at an unfortunate time. Therefore, it`s nice that Aardy makes it simple to compare plans based on this metric.

Thailand Travel Insurance Requirements

Thailand no longer requires insurance as a condition of entry for most visitors on tourist visas, though its rules have changed multiple times over the past years. Travelers should double check their specific policy to make sure it meets all the current requirements of entry to Thailand.

Moreover, simply because something isn”t mandatory doesn’t signify it`s not a good idea. Traveling remains quite risky nowadays, and there are several reasons why I personally will continue to purchase insurance for my trips to Thailand.

Why I Get Travel Insurance in Thailand

Depending on your particular policy, travel insurers may provide various benefits.

Here is a brief overview of insurance coverage I personally find useful when purchasing travel protection (be sure to carefully review your own policy):

• ✈️ Trip Cancellation Safeguard – This benefit may cover any non-refundable trip expenses you`ve paid if you have to cancel your trip to Thailand due to a circumstance addressed under your plan. Note that most insurance carriers have rather rigid exclusions regarding covid-related trip cancellation protections, so you`ll want to carefully examine the conditions of the policy and potentially take into account if you`re at ease with the risks involved in traveling to Thailand.
• 💉 Emergency Medical Insurance – This is something I care deeply about after contracting dengue on my last visit to Thailand. If you are injured or become ill while traveling, you better hope you have coverage for hospitalization, out-patient treatment for medical emergencies, prescribed medications, x-rays, lab tests, and all the costs that may accumulate.
• 🚗 Transporting oneself via scooter or small motorcycle is commonly practiced by visitors exploring Thailand. Some insurance providers will cover accidents occurring during such travel, but you must carefully examine the specific terms of your policy. Typically, they require being properly licensed to operate the vehicle being used (meaning having the proper authorization to drive a scooter in Thailand).
• 🚁 Emergency Medical Transport – Emergency medical transport is a standard travel insurance benefit that, where applicable, can cover expenses relating to transportation and medical services needed during an emergency evacuation.
• 💻 Protection for Lost Luggage and Stolen Items – One of the more frequent safety issues in Thailand is petty theft. Some travel insurance policies will provide coverage for bags that are lost or important items stolen. Be sure to carefully review policy limits because most have a hard cap on how much they will pay out for covered losses in this category.
• 📞 Constant Assistance – Thailand has a very different timetable than the United States or Europe, so you`ll want to ensure you can contact your insurer if and when you require it.

Again, that`s just a very brief overview of why I opt to purchase comprehensive travel insurance for my trips to Thailand.

It`s extremely important to note that coverage, terms, and exclusions can vary between insurance providers – so be sure to read thoroughly!

Travel Safety in Thailand

Generally, Thailand has very low crime rates and is quite safe. But there are other factors to consider, particularly during a global pandemic.

In addition to the risks associated with COVID-19, Thailand also has some of the most hazardous roadways globally, which makes travel protection for Thailand a savvy choice, particularly if your medical coverage won`t cover you while on Thai roads.

Let`s break down some of the various safety aspects involved in travel to Thailand:

The Covid 19 Pandemic in Thailand

Early in the pandemic`s outset, Thailand very effectively managed COVID-19, mostly keeping the virus at bay while sidestepping many of the lockdowns and strict limitations enforced elsewhere.

As of April 2021, Thailand experienced a significant surge in illnesses. Authorities imposed restrictions across many areas but articulated plans to ceremoniously reopen Phuket as of July 1 for limited inbound travel.

In 2022, Thailand began a more complete reopening process. In October 2022, it removed its requirements for vaccination or a negative test result for entry by most tourists. It also temporarily expanded the length of stay allowed for tourists from the 64 “visa exemption” countries.

• The optimal way to experience the Delphi archaeological site and museum is through a guided tour. For travelers staying nearby, the best private tour is by local tour guide Georgia Hasioti. The best day tour from Athens is through Ammon Express.

Currently, entry rules are relaxed once more. However, as the recent incident showed, that can change in the future.

Despite any rules, COVID-19 continues to signify a major risk to travelers and serves as a primary reason why I will personally maintain insuring future trips to Thailand.

Scooters in Thailand

Motorcycles or motorbikes are a fantastic way to get around in Thailand. They give you freedom to explore at your own pace, are extremely affordable to rent anywhere, and can be an thrill to drive.

And scooters are also enormously dangerous. In actuality, by some estimates, Thailand is number one or two in the world for motorcycle fatalities! And it becomes worse because if you aren”t properly licensed to drive, it”s virtually definite that your travel insurance company won”t cover you.

That is why prior to my recent trip to Thailand I took part in a motorcycle class in the United States before setting off for Thailand. I received my motorcycle endorsement and then applied for an International Driving Permit, which permits me to legally operate a motorcycle here in Thailand.

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Crime and Other Risks in Thailand

Thailand offers reasonable safety for travel, but there are still some risks worth thinking about when deciding if insurance is needed:

1. Accidents and Emergencies Involving Vehicles – Even if you aren’t driving yourself, there have been numerous incidents of tourists becoming injured when buses, cars, and pedestrians collide.
2. Petty Theft – Crime in Thailand isn`t severe, but picking pockets and theft of belongings are common in tourist areas.
3. Terrorism, Strikes, and Protests – Unlike some of its neighbors, Thailand has relatively few issues in this area (and strong motivation to protect its tourism industry), so while it`s always a risk, I personally don`t worry too much about it.
4. Natural Disasters – Thailand is nearby water and is prone to heavy rains and flooding. Tragically, nearly 5,000 people passed away in Southern Thailand (including some of the popular islands) during the 2004 Indian Ocean tsunami.
5. Animals – I`ve encountered more than a few ill-kept dogs roaming Thailand (not to mention the mischievous monkeys). Animal bites are a real risk here.

Thailand”s Medical System

In the comedy film Hangover Part II, there is a scene where one of the characters receives medical care after being accidentally shot with a bullet in Bangkok, Thailand. Despite the friends` worries, he states that the bullet only lightly grazed his arm and required just 8 stitches to close the wound, which was amazingly affordable at a mere $6 cost. This price seems almost impossible given medical expenses in other places.

While Hollywood may have exaggerated the realities of Thailand`s healthcare system somewhat, the key point is that Thailand`s medical framework has a reputation for being relatively affordable cost-wise (much is government-supported) and for generally providing good quality medical services.

Tips for Travel to Thailand

🗺️ Where to Travel: Ko Chang, Chiang Mai, Bangkok, Pai (see full list of the best destinations to visit in Thailand).

📅 When to Go: Generally, November through April is the best season to visit Thailand. However, note that different monsoon seasons affect different parts of the country, so there is almost always somewhere that can be visited in Thailand regardless of the month.

💬 Language: Thai, though most travelers can manage well with English as many Thais working in tourism speak at minimum basic English.

🎒 What to bring: Enough clothes for a week (laundry services are inexpensive and plentiful in Thailand), a raincoat, an umbrella, waterproof electronics, sunscreen, insect spray.

If you found this article engaging, be sure to explore my full article containing all the best guidance for traveling solo in Thailand.

Methodology

To find the optimal sites for insurance covering travel to Thailand, I analyzed each of the previously mentioned sites and located sample quotes for people of differing ages. I have also personally utilized the sites being discussed to satisfy my own insurance needs over my extended period of triping to Thailand spanning over a decade. I have traveled to Thailand nearly a dozen times, procuring travel insurance on each occasion.

FAQs About Thailand Insurance

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Especially in light of the incredible number of accidents that happen in Thailand every year, I`ll happily continue to pay for travel insurance for Thailand in exchange for the peace of mind that comes with knowing that my trip to Thailand is covered.

Other travel insurance guides by country are also available:

• Top Resources for Canadian Travel Coverage
• Best Sources for Mexico Travel Coverage

And before embarking, be sure to review the top recommendations for traveling Mexico!

• Notable websites for purchasing travel protection for a trip to Greece
• Top Sites for Croatia Travel Security

I hope the suggestions covered in this guide aid you in selecting the best travel insurance for Thailand based on your unique situation.