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Travel insurance for Thailand
Comprehensive travel cover can meet the cost of COVID-19 medical expenses, lost or stolen luggage and lots more.
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Important:Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
- Some policies may not be available through Finder at this time
- It’s unlikely that your policy will cover expenses from border closures
Thailand has reopened to fully-vaccinated Australian tourists. Your next step? Sorting out travel insurance so you can enjoy this long-favoured destination for Aussie holidaymakers with added peace of mind.
Why do I need travel insurance for Thailand?
The right travel insurance can cover you for a range of unexpected events during your trip. It can insure you for lost or stolen luggage, trip amendments and medical repatriation to Australia after an emergency.
Plus, the Thai government has now mandated COVID-19 insurance with at least US$50,000 in cover as a condition of entry. This is to cover costs if you need COVID-related medical treatment in Thailand.
Keep in mind that other entry requirements apply. We'd strongly urge you to visit Smartraveller's website for the latest travel information on Thailand.
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What does travel insurance cover me for in Thailand?
Travel insurance can save having to fork out extra cash in the event you're injured or your personal items are lost or stolen. It can cover you for the following:
- Medical and evacuation expenses. With no reciprocal health care arrangement, Thailand is a destination you don't want to be without travel medical cover. If you require private hospital care then upfront payments are required, which your travel insurance typically foots so you're not out of pocket.
- Extreme sports. High-risk activities like jet-skiing, bungee jumping and scuba diving are popular in Thailand. Cover for these activities can be added as extras to your travel insurance policy.
- Loss or damage of personal property. Thailand is known for petty crimes such as theft. Travel insurance can ensure you'll be compensated if your items are lost or stolen.
- Cancellations or changes to your planned journeys. If you need to cancel plans completely or come home early, policies with cancellation protection can foot the bill.
- Personal accident and liability protection. In the event you cause injury to another person or property, liability protection can cover your legal costs.
What extra cover can I get for Thailand?
Basic travel insurance policies cover medical and property loss, but exclude risky activities such as adventure sports. If you're undertaking the activities below, you may like to consider adding extra cover to your policy:
- Adventurous activities
- Motorcycle or moped riding
- Emergency dental treatment
- Expensive cameras or computers
- Funeral expenses (dying overseas can be expensive for your loved ones at home and this is not typically included in basic cover)
Booked your flights to Thailand? It's time to get travel insurance.
It's not as fun as planning a holiday, but it's the smart thing to do after you've booked. Get travel insurance to protect your trip from the unexpected.
Travel insurance exclusions
- Dangerous activities. This can include activities such as sky diving, scuba diving, motorbike riding or hot air ballooning. Specific excluded activities vary per insurer and if yours doesn't cover your desired activity it's best you inquire about additional cover.
- Country exclusions. Certain policies exclude specific countries. If you're visiting other countries on your trip, ensure your policy covers them.
- Working exclusions. Many travel insurance policies cover recreational travellers only. If you plan to work while overseas check the policy covers you or seek out additional cover.
- Contributory negligence. While you may be covered if your belongings are lost or stolen, the fine print in your policy may say that you are not covered if you contribute to their loss or theft by leaving them unattended or in an insecure place.
- Pre-existing medical conditions. If you have a medical condition that you don’t tell the insurer about and you need treatment for it whilst overseas, you may be denied cover for it.
- Reckless behaviour. Excessive drinking, drug taking and any other deliberate behaviour that puts you in danger can void your claim.
- Ignoring government advice. If the Australian government has issued warnings advising against travelling to Thailand, your policy will not cover you if anything happens to you. Keep on top of safety updates and warnings with Smartraveller.
7 questions to ask yourself when comparing travel insurance for Thailand
When selecting the level of travel insurance for Thailand ask yourself these 6 questions:
- Do I have enough COVID-19 insurance? You'll need at least $50,000 USD in cover before you can go to Thailand. Keep any eye out for a benefit that exceeds this amount (you may want to check this directly with a provider), or a comprehensive policy that offers unlimited medical expenses.
- Where in Thailand are you going? Some parts of Thailand can be dangerous and prone to cancellations, for example, the border with Malaysia. Make sure you are covered for any questionable regions.
- How many times will you travel internationally in the next 12 months? Decide on single trip or annual multi-trip cover.
- What activities in Thailand will you take part in? If you plan on motorcycling in Phuket, make sure your travel insurance policy provides cover and you follow the appropriate rules.
- Are you taking valuable items? Consider extra cover for expensive cameras and electronics.
- Do you have any medical conditions? Declare any pre-existing medical conditions and make sure your policy covers medical cover.
- Do you prefer paying more upfront or only when you have to claim? Look at both the price of the policy and excess required for claims.
Got yourself covered? Time to have some fun.
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