Top 11 FAQs For Travel Insurance For Thailand


Embarking on a journey to Thailand is a thrilling prospect, but ensuring a smooth and secure trip involves more than just packing your bags. Among the essential components of travel planning is safeguarding yourself against unforeseen circumstances. To ensure that this experience does not become your nightmare, you should always remain covered by  travel insurance for any unforeseen financial crisis. 

In this Blog, I have highlighted the Top 11 FAQs for Travel Insurance for Thailand. Through these FAQs, I will navigate you through the ins and outs of why having travel insurance is necessary for your trip to the Land of Smiles.


Table of Contents

Is it Mandatory to have Travel Insurance for Thailand?

Travel Insurance is not mandatory for your trip to Thailand . While it’s not a legal requirement, I strongly recommend having your travel insured for any international trip including Thailand. It protects you from unexpected expenses due to medical emergencies, trip disruptions, loss of belongings, and other unforeseen circumstances that may arise when you are traveling abroad

What is the Cost of Travel Insurance for Thailand?

The Cost of Travel insurance for Thailand depends on several factors such as age, duration of travel and the level of coverage you choose. Cost of insurance refers to the premium you have to pay to your insurance provider for taking policy coverage.

Some of these factors are :


  • On average, you may need to shell out $50 to $200 for basic coverage for a fortnight trip to Thailand. Comprehensive coverage could cost between $100 to $500 for the same duration. 
  • However, these are the average cost estimates that I am providing you. The actual premium calculation depends on various parameters and typically costs around 4-10% of the total trip cost

What is Covered Under Travel Insurance for Thailand?

Travel insurance for Thailand typically covers various aspects, but coverage can vary among different insurance providers and policies. Here are some common coverages provided by insurance providers

  1. Medical Expenses: This covers expenses related to unexpected illnesses or injuries during your trip, including hospital stays, doctor visits and medications, etc.
  2. Emergency Hospitalisation: This covers emergency hospitalisation expenses during medical emergencies including IPD and OPD expenses.
  3. Trip Cancellation/Interruption: This reimburses non-refundable expenses if you have to cancel or cut short your trip due to covered reasons like illness, injury, natural disasters, or other unforeseen circumstances.
  4. Baggage Loss/Delay: This provides coverage for lost, stolen, or damaged baggage. It might also cover emergency replacement of essential items if your baggage is delayed for an extended period.
  5. Travel Delay: This reimburses additional expenses incurred due to unexpected travel delays, such as accommodation and meals if your trip is delayed for reasons like weather, carrier delays, or strikes.
  6. Emergency Evacuation/Repatriation: This covers the cost of emergency evacuation to the nearest adequate medical facility or repatriation to your home country in case of severe injury or illness.
  7. Personal Liability: This covers legal expenses and compensation if you cause accidental injury or property damage to others during your trip.
  8. Adventure Activities Coverage: Some insurance policies offer coverage for adventure activities commonly undertaken in Thailand, like scuba diving, snorkeling, or trekking.
  9. 24/7 Assistance Services: Insurance providers provide access to a hotline for emergency assistance, including medical referrals, travel guidance, and help with lost documents like passports.
  10. Pandemic-related Coverage: Some insurance providers also cover medical expenses including quarantine costs related to pandemic-related issues such as COVID-19.,

What is not Covered Under Travel Insurance for Thailand?

Travel insurance for Thailand typically covers various aspects, but there are certain situations and items that are commonly excluded from coverage by most insurance providers. Exclusions vary depending on insurance providers and policies but some general exclusions often apply.

  1. Pre-existing Medical Conditions: If you have not declared beforehand any pre-existing medical conditions then your insurance policy might not cover related medical expenses unless explicitly included.
  2. Reckless Behavior: If you resort to any reckless or unlawful behaviour under the influence of alcohol or drugs, then any related expenses may not be covered.
  3. High-Risk Activities: Your insurance policy may not cover some adventure sports or high-risk activities unless explicitly included in the policy. Such additions if any may entail extra premium.
  4. Unapproved Activities: Incidents occurring during activities not approved by the insurance policy or engaged in without proper training or equipment might not be covered.
  5. Civil Unrest/War: If god forbid, your trip gets affected by events caused by war, civil unrest, or government actions, including travel advisories or travel restrictions, then such conditions might not be covered.
  6. Loss of Unattended Belongings: Items left unattended or not stored securely might not be covered in case of loss or theft.
  7. Failure to Obtain Necessary Documents: Issues arising from not having the required visas, passports, or other necessary travel documents typically won’t be covered.
  8. Non-Medical Reasons for Trip Cancellation: Canceling a trip for non-covered reasons, such as a change in plans or personal reasons not outlined in the policy, may not be reimbursed.
  9. Pre-Existing Conditions of Travel Suppliers: Financial issues or cancellations by airlines, hotels, or tour operators due to their pre-existing financial condition or bankruptcy might not be covered.
  10. Extreme Weather Events: Some policies might exclude coverage for natural disasters or extreme weather events if they were known or foreseen before purchasing the insurance.


  • You should always review the policy details to ensure they align with your travel plans and needs. Please study the policy wording, coverage limits, terms, and exclusions in detail before purchasing travel insurance to understand what is covered and what isn’t. If uncertain, contact your insurance provider for clarification.

Which is the Best Travel Insurance for Thailand ?

Determining the “best” travel insurance for Thailand depends on individual needs, preferences, and coverage that aligns with your travel plans. However, several reputable insurance providers offer comprehensive coverage suitable for trips to Thailand. When choosing the best travel insurance for Thailand, you need to consider the following factors:

  • Coverage Needs: Ensure the policy covers your specific needs, such as medical emergencies, trip cancellations, or adventure activities you plan to undertake in Thailand.
  • Policy Limits and Exclusions: Check the coverage limits, exclusions, and conditions to understand what’s included and what’s not covered.
  • Customer Reviews and Reputation: Look for reviews and ratings from other travelers to gauge the insurer’s reliability and customer service.
  • Price and Value: Compare prices among different insurers while considering the value offered in terms of coverage and benefits.


  • It is essential to read policy details carefully, including the fine print, to understand the coverage and ensure it aligns with your requirements for a trip to Thailand. 
  • Additionally, consider purchasing insurance from reputable companies with a history of good customer service and efficient claims handling.

Which is the Cheapest Travel Insurance for Thailand ?

Determining the cheapest travel insurance for Thailand depends on various factors, including the coverage you need, the duration of your trip, your age, and other personal details.

To find the cheapest travel insurance for Thailand you need to consider the following factors:

  • Before purchasing the policy, you need to invite quotations from multiple insurance providers to get the cheapest and best deals for the coverage you need to suit your travel plans.
  • Always consider opting for plans with basic coverage if you have fewer specific needs.
  • Always adjust deductible amounts or coverage limits to potentially lower the premium cost.
  • Always check if your credit card or any memberships offer complimentary travel insurance, which could reduce your expenses.


  • You need to remember that while cost is essential, it is equally crucial to ensure the policy covers your essential needs adequately. Cheaper policies might have limitations or higher deductibles that could impact coverage when you need it. 
  • Always read the policy details and understand what is included and what is excluded before purchasing travel insurance.

What are the Types of Thailand Visas ?

Based on the purpose of your visit, There are different types of visas which you can avail depending on the purpose and duration of your stay. 

Some common types include:

  • Tourist Visa (TR): This type of visa is typically granted for short visits, allowing tourists to stay in Thailand for up to 60 days. It can be extended for an additional 30 days.
  • Non-Immigrant Visa Type B: This type of visa is granted for conducting business or working in Thailand.
  • Non-Immigrant Visa Type O: This type of visa is granted for accompanying a family member who holds a Thai visa, or for retirement purposes.
  • Education Visa (ED): This type of visa is granted to those studying in Thailand. It requires enrollment in a recognized educational institution and allows for a longer stay.
  • Work Permit and Visa: This is granted for those planning to work in Thailand. The visa is often obtained in conjunction with a work permit sponsored by an employer.
  • Retirement Visa (OA): This is granted and designed for individuals aged 50 or older who wish to retire in Thailand. It requires proof of financial stability and medical insurance.
  • Marriage Visa (O): This type of visa is issued to foreigners married to a Thai citizen. It allows for a stay of one year and is renewable.
  • Diplomatic and Official Visas: This is granted to diplomats, government officials, or those on official missions.

Note: Visa requirements, application processes, and eligibility criteria can change, so it’s essential to check the latest information from the Royal Thai Embassy or Consulate in your country or consult the Thai Immigration Bureau’s official website at

How to Apply for Thailand Visas ?

Here is the application process for Thailand Visas :

  • Visa Category : Choose the right category of visa as per your travel plans and purpose 
  • Download of Form : Download the visa application form from the official website at
  • Payment of Fees : Visa Fees can be paid through debit/credit card or net banking
  • Submission of Documents : The required documents needs to be submitted online at designated sites 
  • Receival of Visa : Once all the documents are approved, you will get your visa. Visa updates are available on real time basis to keep track.

What Documents are Required for Thailand Visas ?

The following documents are needed for Thailand visa application :

  • Passport or travel documents having a validity of at least 6 months
  • Visa application form ( Filled up )
  • One recent photograph Size 4cm x 6cm of the applicant
  • Fully paid Round trip air-ticket
  • Financial evidence 20,000 baht per person or 40,000 baht per family
  • Proof of stay at Hotel/Lodge

Important Information about Thailand

Category Description
Capital Bangkok
Currency Thai Baht
Exchange Rate USD 1=35.40 Thai Baht
Official Language Thai ( Siamese)
International Airport Suvarnabhumi Airport at Bangkok
Can you speak English in Thiland Yes. Many Thais can speak and understand English
Time Zone GMT +7
For more Basic information Log in at


In conclusion, securing comprehensive travel insurance before embarking on your journey to Thailand is crucial due to the unpredictable nature of travel, from unexpected medical emergencies to unforeseen trip cancellations. 

With a myriad of insurance options tailored to suit various travel needs, investing in a reliable policy offers peace of mind and ensures that you can fully immerse yourself in the beauty and adventures that Thailand has to offer. 

By taking this proactive step, you not only safeguard your trip but also prioritize your well-being, allowing you to explore the Land of Smiles with confidence and excitement

image of thailand

Remember !

Travel Insurance for your Thai escapade is a necessity rather than an option


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