Travel Insurance Thailand

LUMA’s headquarters is in Bangkok, Thailand. We also have offices worldwide, including in:

• Bordeaux, France
• Ho Chi Minh City, Vietnam
• Phnom Penh, Cambodia
• Yangon, Myanmar

This means we can support you with medical advice and travel support no matter where you are. 

Our global partners help us provide insurance and services. They include:

• Bao Long: Underwrites our travel insurance.
• Europ Assistance: Provides medical evacuation and repatriation.

Our travel insurance policies do not typically cover the following:

• Pre-existing medical conditions, including illnesses contracted before the start of the policy
• Planned and elective treatments
• Illnesses contracted before the start of the policy
• War, terrorism, intentional self-inflicted injuries, psychiatric disorders
• Participation in extreme sports, rock climbing, hazardous work
• Trekking above 5,000 meters altitude
• Scuba diving

Details of what is not insured can be found in the exclusions sections of the travel insurance policy.

Many cosmetic treatments are cheaper in Thailand. This has made medical tourism popular in the country. However, our travel insurance does not cover these treatments. It only covers you for unforeseen medical expenses.

For medical emergencies, please go directly to the nearest hospital or call an ambulance. If you are a victim of crime, then contact the local police.

Once you are safe or receiving treatment, call LUMA at +6624943600.

Travel insurance is not mandatory in most countries. However, there are some exceptions, including:

• Moldova
• Nepal
• Israel
• Iran
• Cuba

You must also buy travel insurance coverage worth up to 30,000 EUR to qualify for a Schengen visa. 

Our travel insurance from Thailand covers worldwide destinations. However, there are a few exceptions, including:

• Afghanistan
• Azerbaijan
• Cuba
• Iran
• Iraq
• Israel
• Kyrgyzstan,
• Lebanon
• Libya
• Nicaragua
• North Korea
• Palestine
• Russia
• Syria
• Tajikistan
• Turkmenistan
• Ukraine
• Uzbekistan
  

Requirements change frequently, so you should contact your destination country’s embassy to check whether travel insurance is mandatory.

However, we strongly recommend you have suitable travel insurance coverage even if it is not mandatory in the country you travel to.

That’s because your health insurance and other domestic policies might not cover you for medical expenses or losses incurred abroad. 

Yes, all Schengen visa applicants must have travel insurance. The main requirement of this is to have comprehensive travel insurance that includes:

• Medical expenses
• Emergency evacuation
• Repatriation 

The minimum required coverage is €30,000. For more information visit our Schengen visa insurance page.

Yes, a Schengen visa requires a minimum of 30,000 EUR medical cover. LUMA travel insurance starts from 50,000 USD (47,374 EUR) medical cover, which exceeds this figure. Please double-check all requirements with your embassy before you submit your visa application.

The best travel insurance for travelers departing Thailand offers adequate protection for various travel and medical emergencies. 

The best travel insurance for travelers from Thailand will also provide English-speaking medical and travel support, helping and advising you in an emergency.

LUMA offers several plan options to satisfy most budget and coverage requirements.

✅  Medical expenses: If you fall ill or get injured during your trip, you’ll have to pay medical expenses. It’s important to ensure you are insured for hospitalization and outpatient care.  

✅  Emergency evacuation and repatriation: Some countries or areas may be unable to provide suitable care if you are injured or ill. Your travel insurance should cover evacuation to a nearby facility in full. It should also cover you if you need specialist care during the journey home. 

✅  Trip cancellation: What if you get seriously ill before you travel and have to cancel your trip? If unforeseen events like this arise, your Thailand travel insurance should reimburse your pre-paid expenses.

✅  Trip interruption: Similarly, your Thailand travel insurance should also cover you if you are abroad and have to cut your trip short due to things like:

• Illness
• Losing a loved one
• A natural disaster

Unforeseen circumstances leading to flight delays of more than 6 hours or missing a connecting flight should also be insured.

✅  Lost baggage: Pickpocketing and bag theft are relatively common in some parts of the world—and losing possessions during transportation can happen anywhere. Therefore, lost baggage cover is critical. 

The cost of travel insurance in Thailand varies based on your:

• The country you are traveling to 
• Duration of travel
• Level of cover chosen
• The number of travelers covered by your policy

At LUMA, for example, a one-week trip for a single person departing from Thailand and traveling to Vietnam can cost between $16 (550 THB) and $54 (1855 THB), depending on the plan chosen. 

Buying travel insurance for Thailand from LUMA is easy:

1. Enter your trip details in the form at the top of this page, including your travel date and destination. Click “Get my quote.”
2. Choose the right plan for your trip—don’t forget to read the policy carefully.
3. Enter personal information for each traveler.
4. Confirm your details.
5. Enter your payment details.

And that’s it! You can enjoy your trip knowing that medical and travel experts will be available to provide assistance in an emergency.