Trip Cancellation for Travel Insurance Thailand

Trip cancellation insurance offers a financial safety net if you’re forced to cancel your trip due to covered reasons. However, navigating the world of travel insurance can be confusing. It’s important to understand what exactly defines trip cancellation insurance. Read our blog on Trip Cancellation Insurance to get a deep understanding.

trip cancellation insurance for thailand

Is Trip Cancellation recommended for Thailand?

Whether it’s recommended depends on your individual circumstances. Here’s a breakdown to help you decide:


Pros to keep in mind:


  • Peace of mind: Unexpected events happen. Trip cancellation coverage acts as a safety net, protecting your non-refundable expenses (flights, hotels, tours) if you’re forced to cancel due to covered reasons like illness, injury, or natural disasters. This allows you to relax and focus on enjoying your trip, knowing you’re financially protected. Read your policy before deciding.
  • Financial security:  Imagine having to cancel your dream Thailand vacation due to a medical emergency. Trip cancellation insurance can reimburse you for those pre-paid, non-refundable trip expenses, minimizing the financial blow.

Cons to Consider:


  • Policy Exclusions:  Travel insurance policies are not all-encompassing. It’s crucial to understand what events your specific policy covers. Common exclusions include cancellations due to pre-existing medical conditions, change of plans, or cancellations by the traveler themself (unless for a covered reason). Be sure to read carefully the exclusions list to avoid surprises.
  • Cost:  Trip cancellation insurance adds an extra layer of expense to your trip. The cost can vary depending on the coverage level and trip duration. Weigh this additional cost against the potential financial loss from a cancellation.

Alternatives to Trip Cancellation Coverage:


  • Booking refundable options: While often pricier, opting for refundable flights and accommodations offers built-in cancellation flexibility. This can be a good alternative if you prioritize flexibility and are risk-averse, however sometimes not worth it when you compare the costs.
  • Travel with caution: If you’re generally healthy, your itinerary is flexible, and you’re comfortable taking calculated risks, skipping trip cancellation coverage might be an option. However, this approach leaves you financially vulnerable if unforeseen circumstances force you to cancel. It is risky, once again not worth the cost you have to pay for travel insurance.

Ultimately, the decision of whether or not to get trip cancellation insurance for Thailand is a personal one.  Carefully consider your risk tolerance, financial situation, and the overall cost of your trip before making a decision.



How much Trip Cancellation coverage do you need for Thailand?

There’s no magic number when it comes to ideal trip cancellation coverage for Thailand. It depends on your specific trip and how much financial security you desire. Here are things to consider:


Average Flight Costs as a Benchmark:


To get a starting point, consider average round trip flight costs to Thailand, this also will give you a good idea of how much coverage you need.


  • United States: Flights from the US to Thailand typically range from $1,000 to $2,500 USD depending on origin city, travel season, and airline.
  • United Kingdom: Travelers from the UK can expect round trip flights to Thailand to cost between £600 and £1,500, again depending on factors like departure city and travel dates.
  • Australia: Round trip flights from Australia to Thailand generally fall between $800 and $2,000 AUD, with variations based on departure city, seasonality, and airline.

Non-refundable Expenses: Focus on the portion you’d lose if you had to cancel. This typically includes flights (often the most expensive element), accommodation deposits, and pre-booked tours or activities.



How to navigate a Trip Cancellation for Thailand

Cancellation Reasons:

  • If you need to cancel your trip, consider the reason for cancellation and check to see if it is a covered reason.
  • If the airline cancels your flight unexpectedly and can’t offer an alternative, they should refund your ticket fee and might compensate you.
  • If the airline notifies you of flight changes at least 3 days before departure or due to events like bad weather, you won’t get compensation unless you have travel insurance.
  • If you cancel the flight yourself, travel insurance won’t cover certain reasons like changing your mind.

Covered Reasons for Travel Insurance:

  • Death, serious injury, or illness of you, close relatives, or business associates are usually a covered reason.
  • Trip schedule cancellation by the carrier due to specific events like riots, strikes, storms, or being called to court.
  • Home fire due to lightning or gas explosion.
  • Known reasons for cancellation before buying insurance won’t be covered.

Be sure to read your own policy for the most accurate coverage list.


Important Notes:

  • Proof from a doctor is needed for illness or injury claims.
  • Death certificate is required for claims related to a family member’s death.
  • Direct expense claims are not compensated.

Notification Time Frame:

  • Notify trip cancellation within 30 days before the trip, after insurance is effective.

The usual required to file a trip cancellation claim for Thailand:

  • Claim form issued by the company.
  • Reservation and payment confirmation documents.
  • Documents supporting cancellation reasons (medical certificates, valid reason from the airline).
  • Copy of insured’s passport.
  • Copy of bank passbook for money transfers.

Trip Cancellation for Thailand Real Examples:


Question: “I had an accident in my home country before my planned travel. Unfortunately, it resulted in a shoulder fracture, and my doctor advised against traveling. Thankfully, I informed my flight agency more than 24 hours before my scheduled flight, so I could get a refund for the flight. However, I had already booked a non-refundable Airbnb for a month. Can I claim reimbursement for this hotel charge?”


Answer: Yes you would be covered. This is because of this injury before the travel plan.  LUMA reimburse all non-refundable prepaid travel arrangement deposits of every description, or any increased cost of travel in respect of the least expensive alternative mode of transport or reasonable accommodation as mentioned in Policy Schedule. Refer wording LUMA Asia Pass – Policy Wording 20240220.pdf ( page 12. Along with LUMA most other travel insurance would cover generally but make sure to check each individual policy wording.



Question: “I had a trip planned to Thailand for a friend’s wedding and however I wanted to change my flight tickets because the wedding gift I bought I dont like and need to change it, can I cancel my trip and claim for trip cancellation? Will I be refunded 100%?

Answer: No, this would most likely not be a reason to be covered as it is a personal matter and cancellation reason is a change of mind rather than an urgent unforeseen issue.

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