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Thailand travel insurance

Ready to get moving? See quotes and compare travel insurance policies for Thailand from over 13+ brands

Exercise a high degree of caution
Updated by Smartraveller on 23 Apr 2024

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Why do I need travel insurance in Thailand?

  • It can cover you for emergency medical treatment.
  • It can cover medical expenses caused by injuries and accidents, unless it's from an excluded activity.
  • It can pay for transport to hospital by helicopter or ambulance, as well as medical evacuations back to Australia.
  • If you're renting a car in Thailand, make sure you have car rental excess cover.
  • Travelling in a foreign country may put your valuables at risk and travel insurance can cover you for lost or stolen items.
  • Terrorism is a risk in Thailand. A few insurers provide cover for medical and hospital expenses caused by an act of terrorism, including the cost of bringing you back home.

Looking for the best travel insurance for Thailand? Check out our award winners in 2023

Thailand travel insurance: Common exclusions

Every travel insurance policy has things you won't be covered for. Common exclusions include:

  • If you purchase cover after the incident has occurred. For example, if you take cover out after you've been injured and need medical attention.
  • Pre-existing medical conditions. If you have any major medical conditions, make sure you let your insurer know before taking out a policy. Otherwise you won't be covered for claims related to that condition.
  • You travel despite government travel advice. For example, if you travel to areas that have a warning from Smartraveller, travel insurance may not cover you.
  • Incidents that occur while you're under the influence of drugs or alcohol. For example, if you go out drinking in Bangkok, get injured and need medical attention, travel insurance won't cover you.
  • Driving vehicles without a licence. Like Australia, you won't be covered for medical costs or personal liability expenses if you drive without a licence in Thailand.

What add-ons should I look for?

  • If you have plans to zoom around Thailand on a scooter or motorbike, make sure to have the right license, and the right policy.
  • Watersports like snorkelling, jet skiing and para-sailing are popular activities in Thailand. Make sure to add the right cover to your travel insurance.
  • Travellers often go to Thailand for volunteer work where you can help build communities or even animal conservation. Make sure to take out the right policy to be covered for this.
Washing machine on fire
Did you know?
Natural disasters such as flooding, earthquakes and tsunamis can occur in Thailand.

Will I be covered for COVID-19?

Travel insurance can cover you for COVID-19 in Thailand. A policy can cover you for the following:

  • Rearrangement costs if you catch the virus and need to change your plans. Lots of comprehensive travel insurance policies let you claim up to $5,000 towards these expenses.
  • Medical costs due to COVID-19. This can include hospital expenses and RATs if you catch COVID-19 while overseas (but you won't be covered for mandatory PCRs).
  • Expenses if you need to isolate. For example, if you catch COVID while you're overseas and need to push back your flight and stay in your accommodation longer.

How do I get cheap travel insurance for Thailand?

  • Medical only or basic policies will generally be the cheaper policies on the market.
  • Use exclusive deals or promo codes to get a discount.
  • Opt for a higher excess. This will make your policy cheaper but more expensive if you have to claim.
  • Compare across a handful of travel insurers – they're not all the same.
  • Get the most value by buying your policy early. It means you're covered for longer while paying the same price.
Our best travel insurance policies

When I travel, I don't want to fork out a lot for travel insurance. I always get something above the bare minimum though which usually only covers medical-only expenses. Flight disruptions and delayed luggage are really common, so look for a cheap policy that covers me for these things.

What do I do in emergencies?

For emergencies: call 191 or 911 (police), 1669 (ambulance) or 199 (fire).

In a medical emergency, call for help and then contact your insurer on their emergency assistance line.

Civil unrest, security risks, threat of terrorist attack and crime are a concern in Thailand, but you should still be eligible for travel insurance. It won't cover all of these situations but it can help cover medical costs, stolen belongings and much much more.

Angus Kidman

Meet our travel expert Angus Kidman

Angus Kidman is the international editor-at-large at Finder. He's an award-winning journalist, avid travel enthusiast and passionate frequent flyer. Angus appears regularly on Sunrise, Today, The Project, Seven News and other TV and radio shows to share his expert tips.

Angus's top Thailand travel insurance tips

  • Suvarnabhumi Airport is busy and delays are common. Comprehensive travel insurance can help if there are major disruptions.
  • Take out insurance as soon as you book your trip - that maximises the value of your cover.
  • Drinking is cheap in Thailand, but injuries caused after drinking generally won't be covered by insurance, so exercise some restraint.

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