Travel Insurance for Thailand

The cost can range from approximately 5$ per day to over 200$; depending on the departure country, length of travel and the level of coverage chosen. The cost per day will be lower for longer stays, making our plans very affordable.

The best travel insurance in Thailand is the one which offers adequate protection for Thailand’s specifc accidental and health risks – such as motorbike accidents. LUMA offers several plan options to satisfy most budget and coverage requirements.

Learn more about the companies offering the best travel insurance in Thailand in our guide.

Typically the following are not covered in our Thailand travel insurance policies:

• Pre-existing medical conditions including congenital conditions or birth defects
• Planned & 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

What is not covered will be detailed in the exclusions sections of the travel insurance policy wording.

Yes if going to other countries outside Thailand (in the covered zone). Our travel insurance plans are designed for foreigners coming to Thailand or Thais living abroad and coming back to Thailand – not for those already living here.

Yes. Our Thailand travel health insurance coverage includes food poisoning – if there is a doctor’s prescription and medical certificate.

No, you won’t be covered in Thailand. You need to buy before you enter Thailand.

In the past, during the Covid-19 pandemic, travelers entering Thailand had to register through a mandatory online platform called Thailand Pass. Today, there is no more Thailand travel insurance requirement for this entry pass. However, securing insurance for Thailand travel remains essential for a worry-free journey.