Travel Insurance Coverage for Thailand

To start your research, look for insurance that includes medical expenses, coverage for trip cancellation or interruption, loss/ damage of your baggage, and medical evacuation and repatriation benefits, as these benefits will be the ones you will most likely need in Thailand.

travel insurance for Thailand coverage

Medical Expenses Coverage:
Medical costs in Thailand can be high, especially for private hospitals.  Ensure your plan covers accidents, illnesses, hospitalization, and emergency medical evacuation. Even basic medical care in Thailand can be expensive for foreigners, especially at private hospitals which tend to offer higher quality care.


Let’s say you get a bad case of food poisoning and require hospitalization with fluids and medication. While the cost might be manageable at a government hospital, a private facility could easily set you back a few thousand dollars. In most cases, it is best to use private hospitals as they have English-speaking staff and much quicker service. Travel insurance with medical coverage would ensure you receive proper treatment without breaking the bank.



Motorbike Coverage: Motorbikes are a popular way to get around in Thailand, but they also come with inherent risks. Consider travel insurance that specifically covers motorbike accident medical expenses. Read more on the importance of travel insurance for motorbike accidents in Thailand.



Emergency Evacuation & Repatriation:
Evacuation/repatriation coverage ensures you receive the critical care you need, even if it involves being transported back to your home country for treatment. Medical evacuation in Thailand can be incredibly expensive. Air ambulance flights can easily cost hundreds of thousands of dollars, and even ground transportation or medical escorts can be very pricey.


Consider this: you experience a critical medical situation requiring specialized care not widely available in the remote islands that you were visiting in Thailand. Evacuation/repatriation coverage would arrange for your safe and efficient transport to a hospital perhaps in the main city or even in your home country if it is deemed as medically necessary. This swift action could be life-saving in a critical situation.



Trip Cancellation Coverage:

This will cover your non-refundable expenses if you have to cancel your trip for a covered reason, such as illness, injury, or a natural disaster. Imagine you’ve been eagerly anticipating a dream vacation to explore the historical temples of Chiang Mai, then unfortunately, a week before your departure, you are diagnosed with a sudden appendicitis attack. This attack needs serious medical attention and the Dr. has recommended you not to fly until you have fully healed. This would cause you to cancel your flight, and if you have trip cancellation coverage you would be reimbursed for your flights if covered by your policy.



Trip Interruption Coverage:

This benefit will cover your expenses if you have to cut your trip short for a covered reason. No one wants to cut their holiday short but sometimes you get an unwanted call from back home telling you that a family member is in the hospital, in critical condition and they require you to be back (typically your insurance should cover this, please be sure to check). You drop everything and catch the next flight back home, however, the short notice flight change causes you to pay some extra fees, these fees could be covered under your trip interruption coverage.



Loss of Baggage Coverage:

This will cover the cost of your belongings if your baggage is lost or stolen. Usually, there are exclusions and limits on these benefits so make sure you read the policy wording for the specifics. This is a handy benefit to have as pickpocketing cases have been rising in Thailand, especially in the cities. So if a pickpocket steals something from you while you are on the BTS (The public sky train system) on a crowded day, you will be able to claim and get some reimbursement for your loss in or your whole bag altogether, however, it depends on your insurance policy on which items and how much would be covered.



How much coverage do you need?

As a general rule, get the most coverage you can afford. Travel insurance is relatively a small cost to bear to cover yourself from financial trouble in a foreign country. However, let’s take a look at the two main things to consider:


  • Trip Duration: Longer trips generally require higher coverage amounts due to the obvious increased risk of time.
  • Activities: Activities like jumping off a boat in the Phi Phi island and going snorkeling might also increase your risk.

Tips on coverage amount for Thailand

  • Tips on Medical expenses: To cover any medical bills you might incur while in Thailand, this includes hospitalization, doctor visits, and medications if covered in your policy. it would depend on the case. For example: significant surgical procedures may range from approximately 6,000 to 30,000 USD or higher for an In-Patient Department (IPD) treatment however these expenses are unforeseeable so getting coverage of at least 50,000 USD should be a bare minimum.
  • Tips on Trip Cancellation/Interruption:  This coverage would depend on your flight ticket amount. The average cost of a trip from the USA to Thailand is approximately 1,000 USD so having coverage for at least that amount it recommended. This coverage helps reimburse you for prepaid, non-refundable trip expenses if you’re forced to cancel your trip entirely or interrupt it early due to a covered reason.

These are just recommendations, and the amount of coverage you need will depend on your individual circumstances and what is covered will depend on each individual travel insurance policy.


Consider your risk tolerance and potential expenses when choosing coverage amounts.

By understanding your specific needs and the unique aspects of travel in Thailand, you can choose the right travel insurance plan for a worry-free and unforgettable Thai adventure!

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