Find the Best Coverage for Your Thai Adventure
Thailand is a top destination known for its stunning beaches, ornate temples, and rich culture. To ensure your trip goes smoothly, it’s wise to purchase travel insurance before departure. The right policy can provide peace of mind, covering everything from medical emergencies to flight delays and lost baggage while you explore.
Learn all you need to know about travel insurance for Thailand, including what coverage to look for, how to choose a plan, and key travel tips to help you stay safe.
Trusted Travel Coverage for Thailand
- Expert-recommended travel medical plans for visitors to Thailand
- Emergency care at leading hospitals in Bangkok, Phuket, Chiang Mai, and more
- Includes coverage for accidents, travel delays, and lost luggage
TL;DR — Key Takeaways
- Purchasing travel insurance is strongly recommended to protect against unexpected medical costs and emergencies that could arise during your trip.
- Thailand’s healthcare system is high quality but expensive for foreigners without coverage, especially in private hospitals.
- Choose a plan that includes medical treatment, emergency evacuation, and coverage for travel delays or lost baggage.
- Ensure your policy covers common risks in Thailand, such as adventure activities, road travel, and tropical illnesses.
Do I Need Travel Insurance for Thailand?
Travelers are not legally required to have travel insurance for Thailand, but it’s highly recommended, especially for medical coverage.
Although Thailand’s healthcare system is well-regarded, particularly its private hospitals, visitors must pay out of pocket for any medical treatment. While costs are generally lower than in many Western countries, bills can still add up quickly.
It’s important to consider what your coverage should include. Most trip insurance policies cover emergency medical treatment, lost or stolen belongings, baggage delays, and interruptions.
However, your individual needs matter when choosing insurance. For example, consider whether you need coverage for pre-existing medical conditions, the length of your stay, and the activities you plan to do. Most basic policies won’t cover these, so choosing one tailored to your trip will give you greater peace of mind.
Travel Insurance for Common Risks in Thailand
While travel insurance typically covers common travel disruptions, it’s important to consider the specific risks you might face in Thailand, such as:
- Medical emergencies: Road accidents are common, especially in busy cities like Bangkok and Chiang Mai, and can result in costly medical treatment. Incidents like drink spiking also occur at parties and bars. Extensive medical coverage is essential to protect against high out-of-pocket expenses, which can range from thousands to tens of thousands of dollars.
- Adventure activities: Many travelers enjoy activities such as diving (e.g., Koh Tao), skydiving, white-water rafting, sailing, jet-skiing, off-roading, horse-riding, hang-gliding, and ziplining. These high-risk activities usually require an additional adventure sports rider, as basic policies often exclude them.
- Food and water safety: Traveler’s diarrhea affects many visitors due to contaminated food or water. While costs for treating mild cases may be low, severe cases requiring medical care can add up. Choosing reputable eateries and bottled water helps reduce risk, but insurance coverage for medical treatment remains important.
- Mosquito-borne illnesses: Diseases such as dengue fever, Zika virus, and malaria are present in Thailand, especially in rural and jungle areas during the rainy season (from May to October). Treatment can be expensive, so ensure your policy covers these illnesses.
- Natural disasters: The country experiences seasonal flooding, particularly during the monsoon season, and occasional earthquakes, which can disrupt travel plans and cause cancellations. Coverage for trip interruptions or cancellations can help recover prepaid, non-refundable expenses.
- Theft and scams: Petty theft and travel scams are common in tourist hotspots like Bangkok, Phuket, and Pattaya. A policy that covers lost or stolen belongings is recommended to help replace valuables and documents quickly.
Medical costs in Thailand have increased rapidly since 2020 and are set to increase by another 15% in 2025. Because of this, many adventure-seeking visitors to the country have run up big medical bills, making insurance essential to offset these expenses.
Here are the approximate costs for some medical situations in the country:
- Diarrhea: $10-$160
- Dengue Fever: $705-$2,500
- Motorbike accident: $6,000-$60,000
- Medical evacuation: $8,000-$12,000
Read More: Is Travel Insurance Worth It?
What Does Thailand Travel Insurance Cover and Exclude?
Travel insurance for Thailand typically covers key medical and travel-related risks, including treatment for tropical illnesses, injuries from common activities, emergency medical evacuation, trip cancellation or delay reimbursement, compensation for lost or delayed luggage, and repatriation of remains.
However, most policies exclude pre-existing medical conditions, injuries from high-risk activities like Muay Thai or scuba diving (unless you add an adventure sports rider), elective procedures, and incidents related to alcohol, drug use, or illegal activities.
Coverage details can vary by policy, so it’s important to carefully read the fine print to ensure the plan meets your specific needs.
Read more about the benefits of International Travel Insurance
Follow Thai laws! Thailand enforces strict drug and alcohol laws. Possession or use of illegal drugs can lead to severe penalties, and alcohol-related offenses may result in legal trouble. Your insurance won’t cover injuries or legal costs arising from these incidents, so follow local laws during your trip.
How Much is Travel Insurance for Thailand?
Travel insurance for Thailand is generally affordable, though costs vary based on factors like age, trip duration, coverage level, and whether you have pre-existing conditions or add coverage for high-risk activities like Muay Thai or scuba diving.
For example, a 25-year-old U.S. traveler visiting the country for 10 days might pay between $7 and $30 for a basic plan, while a 55-year-old could expect to pay $25 to $80.
With a wide range of plans available, you should be able to find one that fits your budget and coverage needs, whether you’re visiting for a short holiday or a longer stay.
Read more about the cost of International Travel Insurance
Want to keep insurance costs down? Consider choosing a plan with a higher deductible. Most insurers let you set this when requesting quotes. Just make sure your policy still covers essentials like emergency medical care, evacuation, repatriation, and trip cancellation, which is especially important for travel to Thailand.
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How to Choose the Right Travel Insurance for Thailand
Wondering, “What travel insurance do I need for Thailand?” With so many options available, choosing the right plan can feel overwhelming, but it doesn’t have to be.
Here are the key factors to consider when selecting a policy for your trip:
- Assess Your Medical Needs: Do you have any pre-existing conditions that might require care while in Thailand? Ensure your policy covers both emergency and routine medical treatment. Check whether pre-existing conditions are included or if you need to purchase additional coverage.
- Consider Your Activities: Thailand is a top destination for adventure travelers, whether you’re riding a motorbike through Chiang Mai, scuba diving in Koh Tao, or training in Muay Thai. If you plan to do any of these activities, look for a policy that includes adventure sports coverage or offers an optional rider for these higher-risk activities.
- Trip Duration: Longer trips increase your exposure to potential risks. Make sure your trip insurance covers your entire stay, from arrival to departure. Consider adding trip cancellation or interruption protection to guard against unexpected changes.
- Be Aware of Country-Specific Risks: Thailand presents unique challenges, including mosquito-borne illnesses like dengue fever and Zika virus, a high rate of motorbike accidents, and seasonal flooding during the monsoon season. Check that your policy offers adequate medical treatment and emergency evacuation coverage for these risks.
- Understand Coverage Limits: Carefully review limits for emergency medical care, medical evacuation, repatriation, trip cancellation, and lost or delayed luggage. Emergency medical costs in Thailand can be significant, especially if evacuation to a higher-level facility or back home is needed.
Don’t settle for the first quote you find! Carefully compare travel plans to find the best fit for your travel plans and budget. Coverage levels can vary widely for things like emergency medical expenses, trip cancellation, and lost luggage. Remember, the cheapest option isn’t always the best if it leaves you underinsured; ensure you get adequate protection tailored to your Thai adventure.
The Best Travel Insurance for Thailand
Below are our top travel insurance recommendations, each tailored to cover various needs – from medical emergencies to trip protection and more.
The Best Travel Health Insurance for Thailand
The IMG Patriot Platinum plan offers top-tier medical coverage, global emergency services, and travel benefits. Whether you’re visiting Thailand for business, leisure, or long-term exploration, it provides one of the most comprehensive travel medical insurance options available.
U.S. citizens and foreigners traveling to the country for less than 12 months can apply for an IMG Patriot Platinum plan.
Patriot Platinum Travel Insurance
- Maximum limits up to $8,000,000
- IMG pays 100% of medical expenses in-network
- Evacuation due to Natural Disasters & Political Unrest
GeoBlue’s Voyager Travel Insurance plan is an excellent choice for U.S. citizens visiting Thailand. Affiliated with Blue Cross Blue Shield, it provides access to a premium network of doctors and hospitals worldwide.
GeoBlue also offers 24/7 customer support, telemedicine, and prescription drug coverage. The plan is especially ideal for older U.S. citizens, as it provides the highest level of coverage for seniors traveling abroad.
GeoBlue Voyager Plan
- For U.S. citizens and residents up to age 95
- Includes pregnancy coverage, baggage loss, trip interruption & more
- 24/7/365 service and assistance
The Best Trip Cancellation Insurance for Thailand
With Trawick Safe Travels AnyReason, U.S. citizens and residents can visit Thailand with flexibility and financial protection against unexpected changes to their trip plans.
This plan offers one of the best Cancel for Any Reason (CFAR) benefits at no extra cost. Trawick will reimburse up to 75% of prepaid, non-refundable trip expenses if you cancel for reasons beyond standard covered events.
Safe Travels AnyReason
- Available to US residents traveling within the United States and abroad
- 100% Trip Cancellation and Trip Interruption Coverage
- Emergency Evacuation and Repatriation
- 75% of Cancel for Any Reason (CFAR) is included within 7 days of trip deposit
World Nomads Travel Insurance is a top choice for non-U.S. citizens seeking trip cancellation coverage for travel to Thailand. Policyholders can recover non-refundable expenses like flights, accommodations, and prepaid activities.
Beyond trip cancellation, World Nomads covers over 200 adventure activities common in Thailand, such as scuba diving, trekking, and Muay Thai boxing. It also covers emergency medical expenses, evacuation, repatriation, and protection against lost or stolen belongings.
World Nomads Travel Insurance for Trip Cancellation
- Trip cancellation and interruption benefits included
- Emergency medical transport and repatriation
- Baggage and gear cover
- Optional Cancel For Any Reason (CFAR) coverage available for U.S. citizens/residents (Explorer and Epic Plans)
Planning to Move to Thailand? International health insurance is a better option if you’re planning to stay in the country for a year or longer. These plans offer extensive benefits, including coverage for inpatient and outpatient medical care, wellness, dental, and vision services. Moreover, they provide worldwide coverage, including your home country, ensuring seamless healthcare protection wherever you go. Read more about health insurance for foreigners in Thailand.
Thailand Travel Tips
Thailand is generally safe to visit, but it’s important to stay vigilant and prioritize your health and safety while you’re there. The country’s tropical climate, vibrant cities, and diverse regions each present unique considerations for travelers.
By following the tips below, you’ll be well-prepared to handle common risks, understand local conditions, and ensure you have the right coverage for a safe and enjoyable trip.
What Vaccinations Do I Need to Travel to Thailand?
Travelers don’t need to have specific vaccinations to enter Thailand. However, travelers should keep up to date on routine vaccinations. This includes the vaccines for polio, chickenpox, measles-mumps-rubella (MMR), and diphtheria-tetanus-pertussis. Be sure to have your annual flu shot, too.
Since Thailand is a tropical region, vaccinations against some of the most common viral infections, including dengue, malaria, Zika, tuberculosis, chikungunya, and Japanese encephalitis, can also be helpful, especially if you plan to visit rural or forested areas. Anti-malarial medication may also be advised.
Before you travel, review the Centers for Disease Control and Prevention (CDC) website for Thailand travel information and consult with your doctor to see if there are additional vaccines that may be suitable. This is especially important if you plan to visit rural or forested areas. Anti-malarial medication may also be advised.
Read More: Vaccine Requirements for Traveling Abroad
How to Bring Medications to Thailand
You can generally bring personal medications into Thailand, but quantities should not exceed a 90-day supply. Make sure you have enough medication or medical equipment for your entire trip.
Many basic medications like aspirin are available over the counter, but if you rely on prescription medicines or prefer specific brands, bring them with you. Keep prescription medicines in their original packaging and carry a copy of your prescription or a doctor’s note.
Be aware that medicines containing codeine require a special permit, so it’s best to avoid bringing these. Additionally, strict restrictions apply to prescription medications containing narcotics or psychotropic substances, so check regulations before you travel. You may be allowed to bring a personal supply if you meet specific criteria.
Read More: Traveling Internationally with Prescription Medication
How to Access Medical Care in Thailand
Medical treatment is widely available in major cities like Bangkok, Chiang Mai, and Pattaya. While basic care is accessible in rural areas, English-speaking healthcare providers may be limited. Most trip insurance policies cover medical expenses up to a certain amount.
If you need medication during your trip, bring enough to last your stay. Counterfeit medicines are common in Thailand, and some locally purchased drugs may be stronger or made differently than those in the U.S.
Thailand’s healthcare system is highly regarded and ranks sixth best globally. The country launched its universal coverage program in 2002, providing subsidized medical treatment to all citizens.
Private employees are typically covered by a social security system supported by payroll contributions. Foreigners and expatriates working in the private sector may also be eligible for this coverage.
Visitors and expatriates who don’t qualify for these programs should have private health insurance. Fortunately, many affordable plans are available, and private insurance is generally accepted at Thailand’s top private hospitals.
Read More: Health Insurance for Foreigners in Thailand
Travel Warnings and Alerts for Thailand
Many governments issue specific travel advisories for Thailand, offering important safety and travel advice to help visitors stay informed and protected.
Be sure to check these official sources for the most up-to-date information before and during your trip:
- US Department of State
- UK Foreign Travel Advice
- Australian Government Smartraveller
- Singapore Ministry of Foreign Affairs
Read More: A Guide to Travel Advisories, Warnings, and Alerts
Emergency Contact Information for Thailand
Emergency Assistance Numbers
Unfortunately, emergencies can happen when traveling abroad. When they do, it is essential to know who to contact.
Keep the following emergency numbers handy, either saved on your phone or written on a piece of paper stored in a secure place.
- Police and General Emergency: 191
- Medical Emergency: 1669
- Fire: 199
- Tourist Police: 1155
All these numbers operate 24 hours a day, seven days a week.
Embassy Phone Numbers
In addition to local emergency services, it’s important to have the contact details of your country’s embassy or consulate while traveling. They can assist with lost passports, legal issues, or other emergencies abroad.
Here are some of the main embassy phone numbers in Thailand:
- US Embassy: +66 2 205 4000
- UK Embassy: +66 2 305 8333
- French Embassy: +66 2 657 6100
- Australian Embassy: +66 2 344 6300
- New Zealand Embassy: +66 2 254 2530
7 Safety Tips for Traveling in Thailand
So, is it safe to travel to Thailand? The short answer is yes. The country is generally safe to visit, but as with anywhere, it’s important to pay attention to what’s happening around you. A little extra vigilance will ensure you avoid the most common risks travelers encounter in the country.
1. Watch Your Belongings
Pickpocketing and bag-snatching are the most common crimes tourists face in Thailand, especially in crowded tourist spots, markets, and on public transport like buses and trains.
For example, popular areas in Bangkok, such as Khao San Road or Chatuchak Market, can get very busy, making it easier for thieves to strike.
Always keep your bag zipped and close to your body, preferably in front of you. Avoid carrying large amounts of cash or valuables, and consider using a money belt or hidden pouch.
2. Stay Vigilant When Going Out at Night
Thailand’s nightlife is vibrant, from rooftop bars in Bangkok to the famous Full Moon Parties on Koh Phangan. However, drink spiking has become increasingly concerning in bars, clubs, and large gatherings.
There have been reports of tourists waking up with little memory of the previous night or discovering their belongings missing after leaving drinks unattended.
To stay safe, never leave your drink unattended and avoid accepting drinks from strangers. Consider using drink test strips or drink covers if you’re at a busy venue. It’s also wise to travel with trusted friends and keep an eye on each other throughout the night.
3. Be Careful on the Roads
Thailand has one of the highest rates of road accidents in Southeast Asia. Busy cities like Bangkok and tourist hotspots such as Pattaya see many accidents involving motorcycles and cars.
When crossing streets, remember that traffic drives on the left, but chaotic traffic flow means you need to look both ways carefully.
If you rent or use motorcycle taxis, always wear a helmet and avoid riding at night or in bad weather. Pedestrians should use footbridges where available and avoid walking on busy roads.
4. Avoid Drinking Tap Water
While tap water in Thailand is treated and generally safe for brushing your teeth, it’s usually not recommended to drink directly from the tap. Many locals and travelers prefer bottled or filtered water to avoid stomach upsets or waterborne illnesses.
To stay safe, always use bottled or purified water for drinking, making ice, and preparing food or beverages. Bottled water is widely available and affordable throughout the country, from convenience stores to restaurants and street vendors.
When ordering drinks, check that ice is made from filtered water, especially in rural areas or smaller towns where water quality can vary. Carrying a reusable water bottle with a built-in filter is also a smart option.
Read More: Drinking Tap Water Abroad
5. Respect Local Culture
Thailand is a deeply respectful and traditional society, where customs and etiquette play an important role in daily life. The culture tends to be conservative, both in behavior and dress, so it’s important to be mindful of local norms during your visit.
For instance, dress modestly, especially when visiting temples or religious sites. You’ll often need to cover your shoulders and knees to show respect.
Avoid loud or aggressive behavior, and never touch someone’s head, as it is considered the most sacred part of the body. Also, be sure to stand quietly and respectfully during the national anthem, which is played twice daily in public places across the country.
These small acts of respect go a long way and help you avoid offending locals, making your trip more rewarding and enjoyable.
6. Protect Yourself from the Sun and Weather
Thailand’s tropical climate means it’s hot and sunny year-round, with temperatures often soaring above 30°C (86°F). Heat exhaustion is common, especially for those not used to the humidity.
To stay safe, make sure to apply sunscreen with a high SPF regularly, wear a wide-brimmed hat or cap, and drink plenty of water throughout the day to stay hydrated.
Be especially mindful during monsoon season, which runs roughly from May to October. During this period, sudden heavy rains can cause flash flooding and muddy roads, potentially disrupting travel plans or outdoor activities.
Coastal areas may also be at risk of cyclones or tsunamis, so always check local weather updates and follow advice from authorities or your accommodation.
7. Stay Informed About Political Situations
While most of Thailand is safe for tourists, some southern provinces, such as Yala, Pattani, and Narathiwat, and areas near the borders with Cambodia, Myanmar, and Malaysia have experienced political unrest and occasional violence.
It’s best to avoid traveling to these regions unless absolutely necessary. If you do plan to visit, be sure to have comprehensive travel insurance that includes emergency evacuation and support in case of unrest or protests.
Before your trip, regularly check travel warnings and alerts from your government or trusted sources. Staying informed helps you make safer decisions and avoid risky situations. For instance, some travelers have been unexpectedly caught in protests or roadblocks that disrupt transportation and daily life.
Never face a crisis alone! Many insurance providers offer 24/7 support to assist with emergency evacuations, legal help, or trip cancellations if you find yourself in the middle of protests, natural disasters, or other unforeseen events. By staying updated on local conditions and securing the right coverage, you can travel with greater confidence, knowing you have support in case of emergencies.
Have the Time of Your Life in the Land of Smiles
Thailand is a wonderful destination, known for its friendly locals, breathtaking landscapes, vibrant cities, and rich cultural heritage. Every year, millions of travelers visit the Land of Smiles and enjoy unforgettable experiences — and with just a bit of caution, you can too.
Whether you’re exploring the temples and street food of Bangkok, trekking through the mountains of Chiang Mai, or relaxing on the beaches of Phuket and Koh Samui, the country has something for every kind of traveler.
By staying alert, respecting local customs, and securing the right coverage, you can ensure that your journey is not only memorable but also safe and stress-free.
Get a free quote now and find the best coverage for your Thai adventure!
Trusted Travel Coverage for Thailand
- Expert-recommended travel medical plans for visitors to Thailand
- Emergency care at leading hospitals in Bangkok, Phuket, Chiang Mai, and more
- Includes coverage for accidents, travel delays, and lost luggage
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About the Author:Gayatri is a seasoned travel and lifestyle journalist who has lived in Bangkok, London, Melbourne, and now Hong Kong, where she runs her content agency, The Wordsmith’s Ink, and writes for global publications. When she’s not writing, you’ll find her traveling, working out, watching Formula 1 or the NBA, or getting lost in a good book.