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How to find travel insurance for Thailand
When it comes to travel insurance, Thailand is a country where the right cover can be important. Here’s all you need to know before you go
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If you’re visiting Thailand, travel insurance should still be part of your planning even though there have been no Covid entry requirements there since October 1, 2022.
The lifting of that and other restrictions in the country this year help to explain why more than 120,000 visitors from the UK decided to soak up the culture, climate and cuisine of this popular tourist destination during the first half of 2022.
Whether your trip has been booked or is still in the pipeline, you might be asking: ‘What travel insurance do I need for Thailand?’ Our guide will tell you how to get it and what to look out for in your policy’s fine print.
What travel insurance do I need for Thailand?
When visiting Thailand, Covid insurance may no longer be mandatory, but travel insurance is crucial as you may not be able to access quality healthcare without it.
Thailand has a large network of private hospitals with an excellent standard of care, but they are expensive and you will need to prove you can pay the bill before you receive treatment. A comprehensive travel insurance policy can cover you if you fall ill, catch Covid, or are injured during your stay.
Not only that, in Thailand, travel insurance will cover you if you need to be repatriated to the UK, your belongings are lost or stolen, you experience travel delays or you need to cancel your trip unexpectedly.
What else do I need?
There are also a number of vaccines you may need before arriving in Thailand, so see your GP or travel doctor well in advance of your trip. Mosquito-borne diseases such as dengue fever are common in some parts of the country, and hepatitis A and typhoid can be passed on through contaminated food or water.
Your doctor will advise which vaccines you need based on your trip itinerary and medical history.
How to buy Thailand travel insurance from the UK
Not all travel insurance for Thailand is created equal. Some policies offer higher levels of cover than others and some insurers cover pre-existing medical conditions while others don’t. Always read the fine print before purchasing a policy to make sure you are fully covered during your trip.
To help you buy travel insurance for Thailand and other destinations with ease, the Telegraph Media Group Travel Insurance Service is provided by AllClear, the UK’s most trusted travel insurance provider.* They cover all ages and all medical conditions, and every policy includes comprehensive Covid-19 cover and no additional cost.
How much is travel insurance for Thailand?
The cost of your Thailand travel insurance policy will be based on factors including your age, health, the length of your trip and the activities you are planning. Premiums are typically higher for older travellers and those with pre-existing health conditions. Travellers planning to take part in risky activities such as scuba diving may also pay more.
Always be truthful in your application, even if you think it might increase the cost of cover. If you fail to disclose key information, your policy may be invalid.
Your destination can affect the cost of your policy, but will not be the only factor.
Are there any travel limitations?
There is something for everyone in Thailand so travel insurance needs particular attention from the more adventurous because of common exclusions in insurance policies.
These include scuba diving to depths greater than 30 metres, diving without a qualified instructor, mountaineering, rock climbing among others. You may need to purchase additional cover if you want to take part in these activities during your trip.
In Thailand, motorcycles are a common form of transport but be aware that you may not be covered if you drive a motorbike without a valid UK licence. The same may be true if you drive or ride a motorbike in Thailand without a helmet, which is a legal requirement.
Like other places around the world, your Thailand travel insurance policy will not be valid if you break local laws, which in Thailand also includes criticising the monarchy in any way.
Buy travel insurance for Thailand now
If you are heading to the bustling cities and sunny shores of Thailand, the Telegraph Media Group Travel Insurance Service, provided by AllClear, has you covered. Policies include free Covid cover, plus insurance for a wide range of pre-existing medical conditions.
Get an online quote today in minutes via the Telegraph Media Group Travel Insurance Service.
Read more:
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*Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 25,000 reviews as of May 2021.
Telegraph Media Group Limited is an Introducer Appointed Representative of AllClear Insurance Services Limited, a company that is authorised and regulated by the Financial Conduct Authority.
The above article was created for Telegraph Financial Solutions, a trading name of The Telegraph Media Group. For more information on Telegraph Financial Solutions click here.