Travel Insurance to Thailand

Navigate Thailand worry-free with 24/7 local expert support and coverage custom-built for your Thai adventure.

Trusted by 100,000+ Travelers

Travel Insurance Thailand, Travel Insurance for Thailand
Travel Insurance Thailand, Travel Insurance for Thailand

Ultimate Worry-Free
Thailand Travel Insurance

High Level of Cover for Medical Expenses, Emergency Evacuation and Repatriation.

Travel Insurance Thailand, Travel Insurance for Thailand

24/7 Support
from International Experts based in Thailand

Serviced by an international team and medical assistance from our experienced in-house medical team.

motor bike accident coverage

Tailored for

Coverage benefits designed to protect you in Thailand. Motorbike accidents are covered during your trip.

Our Travel Insurance Benefits Highlights

Medical Benefits

  • Medical Expenses
    Medical Expenses
    From 200,000 USD to UNLIMITED Coverage depending on the option selected. Covers for both Hospitalization and Outpatient Care.
  • Evacuation Icon
    Emergency Evacuation
    Full cover of Emergency Evacuation to the nearest facility capable of providing adequate Medical Care.
  • Repatriation icon
    Full cover of Medically Necessary Repatriation to the country of origin

Travel Benefits

  • trip cancellation
    Trip Cancellation
    Reimbursement of irrecoverable prepaid travel expenses up to 5,000 USD
  • trip interruption
    Trip Interruption
    Reimbursement up to 5,000 USD in case of trip curtailment
  • Lost baggage icon
    Lost Baggage
    Covers loss or damage to baggage up to 1,500 USD

LUMA Travel Insurance Thailand Reviews

Jeremiah Ell
Jeremiah Ell
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I went to the Luma office in need of travel insurance for a trip in Southeast Asia. I met Clara who walked me thru the travel insurance details and different options available. She was familiar with all aspects of the policy and was able to answer my questions. Reccomended 😇
Suneet Maheshwari
Suneet Maheshwari
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Most happy with prompt response of Luma's insurance team online. Specifically I would like to mention the name of Mr Nattawut Promkerd
Stephen Roberts
Stephen Roberts
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After looking at many other companies, I decided to use Luma. Excellent product options and value for money. The staff explained my product options to me and were always helpful. Answering my questions promptly. The overall service was excellent.

LUMA Teams at Your Service

24/7 Hotline for Emergencies in Thailand

A multilingual emergency hotline is available every day, around the clock, to assist with your urgent situations.

A Medical Team at your service

Travel Insurance Thailand, Travel Insurance for Thailand

Dr. Gerard

Emergency Medicine, Aviation & Tropical Diseases

25 Years of Medical Experience

Nurse Kookkik

Nurse Kookkik

Registered Nurse

19 Years of Medical Experience

Travel Insurance Thailand, Travel Insurance for Thailand

Dr. Kao

Health Care Management

General Practitioner

Travel Insurance Thailand, Travel Insurance for Thailand

Dr. Patrick

Health Care Management

General Practitioner

Travel Insurance Thailand, Travel Insurance for Thailand

Dr. Thet

Internal Medicine & Rehabilitation Medicine

9 Years of Medical Experience

Frequently Asked about Travel Insurance for Thailand

Travel insurance for Thailand with Covid coverage

When heading to Thailand, having travel insurance that includes COVID-19 coverage may not be as big of a worry or a must-do as before. Still, it’s a smart move to look out for your health and finances. COVID-19 cases have gone down a lot, and Thailand has loosened up on entry rules and travel guidelines. But since the pandemic can be unpredictable, and there might be unexpected medical costs, having comprehensive travel insurance is a good idea. LUMA Asia Pass has coverage for COVID-19.

Do you need medical insurance to travel to thailand?

While travel insurance for Thailand is not mandatory, we highly suggest having comprehensive medical insurance for Thailand, even if you are healthy and young. There are a number of reasons for this:

  • Medical expenses can be very high in Thailand. A single day in a private Thai hospital can cost thousands of dollars, even for routine procedures. If you become seriously ill or injured, you could be facing a bill of thousands of dollars or more.
  • Travel insurance Thailand can cover more than just medical expenses. It can also offer protection for lost luggage, trip cancellation and flight delays.
  • A good Travel Insurance for Thailand can give you peace of mind. Knowing that you are financially protected if something goes wrong can allow you to relax and enjoy your trip more fully.

A popular transport in Thailand is motorbikes. Yet, a significant number of tourists fail to follow regulations when using a motorbike as a driver or passenger and accidents occur too often. Having a travel insurance in Thailand that covers for motorbike accidents is crucial to ensure protection in case of need. For more information about how much such an accident could cost, read our blog on the importance of travel insurance for motorbike accidents in Thailand.

How much does travel insurance to Thailand cost?

The cost of travel insurance for Thailand will vary depending on two main factors, the length of your trip and the type of coverage you choose. However, you can generally expect to pay around $7 per day for a quality travel insurance Thailand policy. 

What is the best travel insurance to Thailand?

When selecting travel insurance for Thailand, go for a plan that provides thorough coverage customized to your specific travel requirements. Steer clear of purchasing a plan with unnecessary benefits that could unnecessarily increase the cost. Concentrate on essential factors like coverage, pricing, hospital network, and customer service. 

Read our blog about this and find the best travel insurance plan for your trip to Thailand.

What is not covered by LUMA’s travel health insurance for Thailand?

LUMA Asia Pass Travel Insurance Policy does not cover:

  • Pre-existing medical conditions, congenital conditions, or birth defects.
  • Specific medical conditions, including various illnesses, surgeries, and diseases.
  • Losses due to war, terrorism, intentional self-inflicted injuries, psychiatric disorders, and more.
  • Participation in certain activities like extreme sports, rock climbing, and hazardous work.
  • Trekking above 5,000 meters altitude
  • Scuba diving below 20 meters depth.
  • Indirect and consequential losses.

Please note: This travel policy is valid for leisure and administrative business travel only and does not cover travel to seek medical treatment in Thailand.

Medical Expenses Exclusions:
Charges for special nursing, physiotherapy, cosmetic surgery, and more. 

Baggage and Personal Effects Exclusions:
Loss or damage due to customs actions, loss of cash, damage to electronic devices, and more.

For the detailed list of exclusions, please read LUMA Asia Pass Travel Insurance Policy Wording.

Can I Use Medicare in Thailand?

Medicare is a health insurance program by the government for people aged 65 or older and those with specific disabilities. Keep in mind, though, that Medicare doesn’t cover medical costs outside the United States and its territories. So, if U.S. citizens go to Thailand, Medicare won’t pay for their medical expenses. Read more in detail on the use of Medicare in Thailand on our blog.

Where can I purchase Travel Insurance for Thailand?

Right here! You can purchase LUMA Asia Pass which covers Thailand and also motorbike accidents which is a must have for Thailand.

When should I buy travel insurance for Thailand?

You should ideally be purchasing travel insurance as soon as your tickets are booked. A minimum should be 24 hours before your departure.

Is food poisoning covered by this insurance?

Yes! LUMA Travel Insurance covers for food poisoning. Both Inpatient and Outpatient bills can be claimed.

Ensure that you have all documents necessary to submit your claim before you leave the hospital as we might ask you to provide original documents. 

I am already in Thailand, can I buy a travel insurance?

Unfortunately, most travel insurance needs to be purchased before your trip begins, so it wouldn’t cover events happening in Thailand if you were already in the country at the moment of purchase. This is because insurance can’t cover things that were already foreseeable when you bought the policy.

There is one exception: LUMA Asia Pass offers regional coverage. If you buy our plan and enter another covered country (check the countries listed in the zone of coverage or your plan), your coverage would activate upon arrival in that new destination. Then if you enter Thailand again, you’d be covered in Thailand as long as it’s within the period of validity of your travel policy. 

Traveling to Thailand from the US

Travel Insurance from the USA to Thailand should cover flight delays, lost baggage, and medical emergency & treatment during your stay in Thailand. Your trip will likely involve multiple connecting flights and dealing with different time zones. When embarking on such a lengthy trip, having peace of mind is crucial. That’s where travel insurance for your Thailand trip comes in, acting as your safety net to keep you protected throughout your journey.

Traveling from the USA to Thailand isn’t a quick and simple journey, so it’s highly advisable to get travel insurance for your trip. Read our blog on Travel Insurance to Thailand from USA for a full breakdown.

What is Thailand Pass?

In the past, during the Covid-19 pandemic, travelers entering Thailand had to register through a mandatory online platform called Thailand Pass. This system streamlined the entry process by collecting travel and health information and issuing a QR code that served as an entry permit.

Today, there is no more Thailand Pass registration required to enter the country. 


LUMA was a forerunner in this area, launching the first travel insurance plan specifically designed to meet the entry requirements mandated by Thai immigration. This initial plan was called “LUMA Thailand Pass” and insured by Tune Protect. However, as travel restrictions have eased, LUMA has proactively revamped its travel insurance offerings to better cater to the current needs of travelers visiting Thailand.

Travel Insurance Benefits Explained

Medical Benefits

Medical Expenses

Medical Expenses

The LUMA Asia Pass encompasses both inpatient and outpatient treatments in Thailand for covered conditions. It is imperative to adhere to standard practices and reasonable costs. For specific details on the required documents for claiming, please consult the policy documentation.

Travel Insurance Thailand, Travel Insurance for Thailand

Emergency Evacuation

In the event of a Serious Injury or Illness necessitating immediate treatment with insufficient local medical facilities in Thailand, our coverage includes emergency medical evacuation. This evacuation will be arranged to the nearest suitable facility using the most efficient mode of transportation capable of providing necessary medical care. It's important to note that only the Insurer and/or the Assistance Company can facilitate the evacuation.

Travel Insurance Thailand, Travel Insurance for Thailand


Following an Emergency Evacuation, assistance with repatriation is available if deemed necessary. Decisions and coordination regarding repatriation rest solely with the Insurer and/or the Assistance Company.

motor bike accident coverage

Motorbike Accidents

In Thailand, this travel insurance provides coverage for motorbike accidents for both riders and passengers. To be eligible for this coverage, individuals must wear a helmet, adhere to local regulations, and hold the necessary license to operate or rent the motorbike.

Travel Benefits

Travel Insurance Thailand, Travel Insurance for Thailand

Trip Cancellation

Ensure your trip to Thailand proceeds smoothly. With our Trip Cancellation coverage, you're safeguarded against losing deposits or incurring additional expenses due to unforeseen events like illness, emergencies, or natural disasters. You can cancel or shorten your trip and receive reimbursement for unused expenses. Note: Coverage for this benefit is effective from the policy issue date until the departure date specified in the itinerary. Read more about Trip Cancellation Insurance for Thailand

trip interruption

Trip Interruption

Should your trip be curtailed due to reasons such as illness, emergencies, or natural disasters, rest assured you'll be reimbursed for the unused portion of your travel expenses. Whether it involves returning home sooner or arranging alternative accommodations, our coverage provides peace of mind for you to fully enjoy your travels to Thailand without worry.

Travel Insurance Thailand, Travel Insurance for Thailand

Flight Delay

If your flight encounters delays due to factors like adverse weather, strikes, or technical issues outside your home country and beyond your control, this travel insurance provides coverage. You're entitled to compensation for every full 6-hour delay, up to the specified policy limit. To qualify, the delay must exceed 6 hours and not result from failure to check in or reconfirm on time. Additionally, your booking must be confirmed before any known issues arise. Obtain official documentation from the airline detailing the cause, date, time, and duration of the delay. Note that this coverage excludes issues existing at the policy's commencement or problems caused by government authorities.

Travel Insurance Thailand, Travel Insurance for Thailand

Baggage Delay

If your luggage is temporarily lost upon arrival in Thailand for at least 6 hours, this travel insurance provides coverage for emergency purchases of essential toiletries and clothing. The delay should not result from customs or government officials, and documentation, including original purchase receipts, must be submitted.

Travel Insurance Thailand, Travel Insurance for Thailand

Lost Baggage

This Travel Insurance to Thailand offers compensation for loss, breakage, or damage caused directly by theft, robbery, burglary, accidents, or mishandling by carriers during the insured person’s journey. Loss must be reported to local authorities or carriers within 24 hours to qualify for coverage. However, this benefit does not cover loss or damage due to delay, confiscation, wear and tear, or loss of specific items like cash, electronics, fragile articles, and more. Refer to the policy for comprehensive details and exclusions.


Crafted and Serviced by LUMA

Our goal is to be your companion for all things travel and we strive to make insurance easy, accessible and ethical.

Baolong Insurance

Insured by Baolong

With over three decades of expertise across a diverse range of insurance services, Baolong ensures your claims are covered.

Europ Assistance

Assistance by Europ Assistance

Europ Assistance is a leading assistance company with an international network ensuring a reliable support worldwide.

Travel Tips for Thailand

What to do in case of emergency in Thailand

In the event of an emergency in Thailand, swift and decisive actions are crucial. Contact local emergency services by dialing 1669  for immediate assistance. It is advisable to stay calm and provide clear information about the situation, including your location and the nature of the emergency. If you are a traveler, reach out to your embassy or consulate for additional support. Familiarize yourself with the nearest medical facilities and follow any guidance or instructions provided by local authorities.

Read our blog on What to do in case of emergency in Thailand.

The importance of travel insurance for motorbike accidents in Thailand

As per the World Health Organization (WHO), road accidents in Thailand persist as a major health issue, causing over 20,000 fatalities annually. These incidents often lead to severe injuries, resulting in substantial medical costs. The Department of Disease Control reports that motorcyclists contribute to 74% of all road fatalities in Thailand, with 15,000 motorcyclists among the 20,000 annual road-related deaths. 

Read our full blog on the importance of travel insurance for motorbike accidents in Thailand.

What is the currency in Thailand?

The currency of Thailand is the Thai Baht, denoted by the symbol “฿” and the currency code “THB.” The Thai Baht is further subdivided into 100 satang. Banknotes are available in denominations of 20, 50, 100, 500, and 1,000 Baht. Coins come in denominations of 1, 2, 5, and 10 Baht, as well as smaller denominations of satang, although these are less commonly used.

When is the best time to go to Thailand?

The best time to visit Thailand depends on where in Thailand you plan to explore, and your personal preferences in terms of weather.

The Peak Season to travel to Thailand usually range from November to February during “Thai Winter” when the weather is cool and dry.

March to May is the hottest season with Songkran festival.

Rainy season spans from June to October. Some regions may experience heavy rainfall and flooding.

What are the cultural rules in Thailand?

When visiting Thailand, it’s essential to be aware of cultural norms and practices. Here are some important “don’ts” in Thailand:

  • Disrespecting the Royal Family
  • Pointing Feet
  • Disrespecting Buddhist Monks and Temples (Refrain from touching Monks, especially if you are a women)
  • Touching People’s Heads
  • Raising Your Voice or Showing Anger Publicly
  • Touching or Sitting on Buddha Images

Food Allergies in Thailand

Thailand is famous for its tasty dishes, but it’s important to note that many Thai foods may contain allergens. Common ingredients like peanuts, shrimp, and fish sauce can trigger allergic reactions. To learn more about communicating food allergies and identifying dishes that may cause allergies, check out the video below.

What should travelers planning a trip to Thailand need to pack?

  • Clothes: Breathable, loose-fitting (hot!), rain jacket, temple attire (knees & shoulders covered)
  • Sun protection: Sunscreen, sunglasses, hat
  • Insect repellent (DEET recommended)
  • Travel essentials: Adapter, refillable water bottle, first-aid kit, copies of documents
  • Optional: Waterproof phone case, quick-drying towel, sandals, daypack, monk alms offering items (optional)

Recommended Reading about Travel

“LUMA Asia Pass” is the commercial name of the travel insurance policy insured by Bao Long Insurance Corporation, distributed globally by Luma International and serviced by Luma Care Co. Ltd.