Travel insurance is vital for emergencies and delays, especially on remote Thai islands like Koh Phi Phi or Koh Tao. Ekaterina Vyunnik / Unsplash
8 Best Travel Insurance Plans for Thailand
In a world where plans change in seconds, having the right travel insurance is the smartest thing you can carry. Jason Quentin / Unsplash
Thailand is one of the world’s top travel destinations, known for its lively street markets, beautiful islands, and exciting activities like motorbiking and scuba diving. But while the country offers best experiences, it also comes with certain risks.
According to the World Health Organization and Thailand’s Ministry of Public Health, road accidents are a major concern, with motorcycle crashes accounting for over 70% of traffic-related deaths. Tourists, particularly those renting motorbikes without proper licenses or helmets, are frequently among the injured.
Add to that the potential for foodborne illnesses, sudden tropical storms disrupting your flights or ferries, and costly hospital visits (which can run up to $500–$1,000 a day for foreigners), and it becomes clear: skipping travel insurance in Thailand isn’t just risky; it can be expensive.
A solid travel insurance plan can turn a travel disaster into a minor hiccup. Here are the 8 best travel insurance plans for Thailand.
Travel insurance can protect you from weather-related disruptions in Thailand. Joanna Wojcicka / Unsplash
1. SafetyWing
Best for digital nomads & long-term travelers
When choosing the right travel insurance for your trip to Thailand, it’s essential to select a plan that aligns with your travel style and needs. SafetyWing is a top choice for digital nomads and long-term travelers spending extended periods in Thailand.
Whether you’re based in Bangkok working remotely or exploring the islands like Koh Samui, SafetyWing offers flexible monthly plans with comprehensive coverage, including medical care and travel delays. Its adaptability is a perfect match for those who move frequently or stay in places for months at a time.
2. World Nomads
Best for backpackers & adventure seekers
Thailand’s rugged Chiang Mai mountains or the underwater wonders of Koh Tao require insurance that covers both everyday mishaps and adrenaline-fueled activities like trekking, scuba diving, and motorbiking.
World Nomads excels in giving coverage for such adventures, ensuring that backpackers can enjoy their journey through the jungles of Kanchanaburi or along the beaches of Phuket with peace of mind.
Travel Insurance is protected from taking boat trips around Krabi’s islands can involve unexpected incidents. Jonny-Clow / Unsplash
3. Tata AIG Travel Guard
Best for Indian travelers
For Indian travelers heading to Thailand, Tata AIG Travel Guard is a highly recommended travel insurance plan. This plan is specifically tailored to meet the needs of Indian nationals and offers excellent customer support, making it a convenient option for those traveling from major cities like New Delhi or Mumbai.
If you’re visiting popular tourist spots such as Pattaya, known for its vibrant nightlife, or Hua Hin, famous for its peaceful beaches, Tata AIG provides comprehensive coverage for both short-term and long-term travelers. The plan’s key benefit is its coverage of medical emergencies, giving Indian tourists protection against unforeseen health issues during their stay in Thailand.
It includes hospitalization, emergency treatment, and evacuation if needed. Additionally, Tata AIG’s plan gives protection against trip cancellations, which can be a major concern for travelers who’ve invested in non-refundable flights and accommodations. If your plans change unexpectedly, the insurance helps recover those costs.
The policy also covers baggage loss, a common issue that travelers face, especially on long international flights. What sets Tata AIG Travel Guard apart is its efficient claims process, backed by a network of service providers that understand the specific needs of Indian travelers abroad.
4. Allianz Global Assistance
Best for families
For families planning a trip to Thailand, Allianz Global Assistance provides comprehensive travel insurance that caters specifically to the needs of parents and children. Whether you’re enjoying the excitement of Disney’s Dream World in Bangkok or unwinding on the tranquil beaches of Koh Lanta, Allianz ensures that the entire family is protected.
One of the standout features of Allianz’s plan is its coverage for medical emergencies, ensuring that if any member of the family falls ill or gets injured, they will receive timely medical treatment, whether in a local clinic or a hospital. Allianz also covers trip cancellations, which can be especially important for families who may have booked non-refundable flights and accommodations.
If an unexpected event such as a family emergency forces you to cancel or cut your trip short, Allianz can help recover those costs. Another key benefit of Allianz’s plan is that it provides coverage for children under the same policy, allowing families to manage their insurance in a simple and streamlined way. This feature makes it easier for parents to travel with young children, knowing that their medical needs, trip interruptions, and baggage losses are covered.
5. AXA Thailand Travel Insurance
Best local option for shorter trips
AXA Thailand Travel Insurance is an ideal choice for travelers planning short visits to Thailand, giving a practical and affordable solution tailored to the local environment. Whether you’re exploring the peaceful temples and night bazaars of Chiang Rai or enjoying a relaxing weekend on the stunning beaches of Koh Phi Phi, AXA’s coverage provides essential protection.
As a local provider, AXA offers the advantage of understanding Thai healthcare systems, cultural nuances, and language, making it easier for travelers to access help when needed. The plan typically includes basic medical coverage, travel delays, trip cancellations, and lost baggage, which are common issues for short-term tourists.
Its quick claims process and responsive support make it particularly convenient for those on tighter schedules or limited stays. With AXA, travelers can confidently enjoy Thailand’s beauty and culture, knowing they have reliable local insurance support behind them.
6. IMG Patriot Travel Medical Insurance
Best for medical-focused needs
IMG Patriot Travel Medical Insurance is an excellent option for travelers who prioritize health and medical coverage during their trip to Thailand. This plan is especially valuable for those visiting the country for specific health-related purposes, such as attending wellness retreats in Pai, known for its peaceful atmosphere and holistic healing centers, or undergoing medical treatments in Bangkok, a city famous for world-class private hospitals and affordable procedures.
IMG Patriot is tailored to meet these needs, offering extensive medical benefits that include coverage for emergency treatment, in-patient and out-patient care, hospital stays, doctor visits, and even emergency medical evacuation if necessary. It’s also highly flexible, with options to choose deductibles and policy limits that suit different budgets and trip durations.
Whether you’re planning preventive care or need support for chronic conditions while abroad, IMG Patriot gives you access to a broad network of healthcare providers and 24/7 global assistance. This makes it one of the most reliable choices for travelers whose primary concern is staying healthy and secure while experiencing
7. Cover-More
Best for seniors & cruise travelers
Cover-More is an excellent option for seniors planning to visit Thailand, especially for those embarking on cruises around the country’s beautiful islands or enjoying peaceful retreats like Koh Chang. This insurance provider gives specialized coverage tailored to the needs of older travelers, including those with pre-existing medical conditions.
Cover-More understands the unique risks that come with aging, providing plans that focus on age-specific needs such as medical emergencies, emergency medical evacuation, and even trip cancellations. These plans ensure that seniors can enjoy their travels without worrying about unexpected medical issues or disruptions to their plans.
For travelers heading on cruises through the Andaman Sea or exploring less accessible islands, the plan provides extra protection for activities like boat trips and island hopping, which may pose additional risks. With its comprehensive and senior-friendly coverage, Cover-More gives peace of mind, allowing older travelers to fully enjoy their Thailand experience with the reassurance that they are well-protected throughout their journey.
8. VisitorsCoverage
Best for flexibility & custom plans
If you’re planning a trip to Thailand and want an insurance provider that offers comprehensive protection with easy customization, World Nomads is a great option. Ideal for adventurous travelers, World Nomads provides coverage for activities like trekking in Chiang Mai, scuba diving in Phuket, or exploring the jungles of Khao Sok National Park. With flexible plans that can be adjusted as your travel itinerary evolves, you can feel secure no matter where your Thai adventure takes you.
The platform provides a wide range of options, including protection for medical emergencies, trip cancellations, and even coverage for adventure sports like scuba diving or trekking, which are common in Thailand. It allows travelers to select plans based on the duration of their stay, types of activities, and any pre-existing medical conditions, ensuring that you’re covered for what matters most.
VisitorsCoverage’s flexibility and wide selection of insurers make it an excellent choice for anyone looking to personalize their travel insurance and gain peace of mind while exploring the diverse landscapes and experiences Thailand offers.
the official portal of the Tourism Authority of Thailand: Travel Insurance to Thailand
FAQs
Q1. Is travel insurance mandatory for Thailand?
As of now, travel insurance is not mandatory for most travelers. However, it is highly recommended, especially for covering medical emergencies, accidents, and trip interruptions.
Q2. What does Thailand travel insurance typically cover?
Most policies include:
Emergency medical expenses (including COVID-19)
Trip cancellation or interruption
Lost or delayed baggage
Personal liability
Emergency evacuation or repatriation
Q3. Can I buy travel insurance after arriving in Thailand?
No, most insurance providers require you to purchase travel insurance before your departure or before you enter Thailand.
Q4. What is AXA Sawasdee Thailand?
It is a government-approved travel insurance plan specifically designed for foreign travelers visiting Thailand. It meets the immigration and visa requirements (if any).
Q5. What are the coverage limits of AXA Sawasdee Thailand?
Medical Expenses: up to THB 750,000
Accidental Death & Disability: up to THB 1,000,000
COVID-19 treatment: included
24/7 assistance and direct billing with partner hospitals
Q6. Who can buy AXA Sawasdee Thailand insurance?
Any non-Thai citizen aged 6 months to 79 years, visiting Thailand for tourism, business, or other short-term purposes.
Q7. How long can I be covered?
Coverage is available for 7 to 180 days per trip.
Q8. Is there a waiting period?
No. Coverage starts immediately after you pass through immigration in Thailand.
Q9. Is it accepted for visa applications?
Yes, it is widely accepted for visa applications and entry requirements, especially when Thailand temporarily enforces mandatory insurance rules (like during pandemics).
Q10. How do I make a claim?
You can contact the insurer’s 24/7 helpline or submit a claim online with receipts and supporting documents (medical bills, police reports, etc.).
Q11. Is cashless hospital service available?
Yes, especially with AXA’s partner hospitals in Thailand. For emergencies or hospitalization, you may not need to pay upfront.
Q12. What documents do I need to buy the policy?
Just a valid passport and travel dates. No medical tests are required.
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