Travel Insurance for Thailand – Forbes Advisor UK

Millions of tourists flock to Thailand every year for its centuries-old culture, white sandy beaches, delicious food, floating markets, world-class hotels and vibrant nightlife.

If you’re thinking of trying it out for yourself, it makes sense to invest in a comprehensive travel insurance policy that covers you for all eventualities. That way you can feel as zen as the Buddha in the Grand Palace and enjoy what Thailand has to offer.

Here’s what you need to know about Thailand travel cover.


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What travel insurance do I need for Thailand?

Although travel insurance is not mandatory for Thailand, it is a sensible step to obtain a comprehensive policy before travelling. Medical expense coverage is highly recommended in the event of an accident or illness while on vacation.

While healthcare in general is cheaper than in Europe or the US, for example, costs can still increase.

Most good travel insurance policies provide up to at least £2 million for medical emergencies and include repatriation to the UK if necessary.

Please be aware that you will not be covered for any pre-existing conditions and will need to communicate these to your insurer before travelling. Normally they will be excluded from any claims.

If you need emergency medical assistance while in Thailand, dial 1669 and ask for an ambulance. You must contact your insurance company immediately if you are referred to a medical facility for treatment.

Other things to consider when shopping for insurance are coverage levels for:

  • cancellation of your trip, reduction or missed departure – make sure the caps will cover the full cost of your trip (insurers will usually be clear in their terms and conditions on what grounds they will accept for double checking)
  • loss or theft of luggage and personal items (good policies should also cover cash). Again, make sure the ceiling will cover the value of your belongings.
  • personal liability coverage (covers you in case you accidentally injure someone or damage property while on vacation). Most good policies should provide at least £1 million of personal liability cover.

When it comes to travel insurance, the cheapest is usually not the best. Check coverage levels when comparing policies – including individual item limits for your personal belongings, for example.

Also review the excess you will be asked to pay – this is the first part of any claim you will have to cover yourself. The excess can vary widely between different policies.

Are there any remaining Covid-19 related travel restrictions for traveling to Thailand?

Travelers entering Thailand from the UK are not required to show any proof of Covid-19 vaccination or negative test results and there is no need to download the mobile app to show vaccination records.

If you test positive for Covid-19 and have mild or no symptoms, you do not need to be in isolation. Take sensible precautionary measures and avoid situations that transmit Covid-19 to others.

If you have severe symptoms or any concerns related to Covid-19 while in Thailand, please call the Thai Covid-19 hotline at 1422.

Can I add extra coverage to my Thailand travel insurance?

Many travel insurance policies offer optional extras you may need for your trip to Thailand. Make sure you want the coverage though, otherwise you could end up paying more for unnecessary extras.

If you are planning to do scuba diving or bungee jumping, or other activities that an insurer may consider riskier (be aware that even horseback riding is seen as a risky sport by some insurers), you can add adventure sports to your policy at an extra cost. Make sure the activity or sport you want to practice is definitely covered.

If you’re backpacking in Thailand, perhaps as part of a longer trip, it might be best to look into backpacking insurance or extended stay insurance that covers you for longer than the standard 31 days.

There are also optional extras to cover expensive phones, laptops and other technology in case of theft, loss or damage.

If you plan to do paid or voluntary work while in Thailand, you may need to take out additional insurance, especially if the work involves manual labor, working at heights or working with animals.

What does my Thailand travel insurance not cover?

No matter how good your travel insurance policy is, you are unlikely to be covered if you injure yourself or others while under the influence of drugs or alcohol.

Likewise, your cancellation cover won’t cover you if you simply decide you don’t want to travel.

Most travel insurance does not cover the airline’s scheduled collapse; so if you are concerned about this, look for policies that include it, or look for standalone policies.

Do I need a GHIC for Thailand?

Do not. The Global Health Insurance Card (known as GHIC) has replaced the European Health Insurance Card (EHIC) and entitles cardholders traveling in the EU to state-provided emergency healthcare. As Thailand is not within the EU, a GHIC is not required.

Travel insurance with at least £2 million of cover for emergency health costs in Thailand is the best way to ensure you are covered should you ever need to access medical care.

How to find cheap travel insurance for Thailand?

A price comparison service like ours is the best way to find and compare cheap Thailand travel insurance.

But remember, just because a policy is cheap doesn’t mean it is fit for purpose. Getting the level of coverage you need is most important.

If you are likely to be traveling abroad more than once in the next 12 months, it may be more cost-effective to purchase an annual multi-trip policy rather than a single trip policy.


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Travel Insurance for Thailand – Forbes Advisor UK

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