Compare travel insurance for Thailand

Dazzling blue seas, jungle adventures, the Grand Palace in bustling Bangkok – just a few of the reasons why Brits make over a million visits to Thailand every year. Most trips are trouble-free, but it’s best to be prepared. Here’s what you need to know to compare Thailand travel insurance and make sure you have the right policy in place.

Dazzling blue seas, jungle adventures, the Grand Palace in bustling Bangkok – just a few of the reasons why Brits make over a million visits to Thailand every year. Most trips are trouble-free, but it’s best to be prepared. Here’s what you need to know to compare Thailand travel insurance and make sure you have the right policy in place.

Josh Daniels
From the Travel team
4
minute read
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Posted 28 JANUARY 2021

Do I need travel insurance for Thailand?

It’s always advisable to take out travel insurance when you travel to Thailand.

Asia is relatively cheap once you get there, but hospital treatment doesn’t come equally cheaply. There are basic health provisions available but if you need anything more you’ll be expected to pay for it and private hospitals can be expensive. It’s important to check that you’ll also be covered for emergency flights back home (just in case).

Tourists can also be targets for pickpockets and bag snatchers. Travel insurance can give you confidence that if you’re a victim of crime you’ll have some way of getting your money back.

CORONAVIRUS UPDATE 

A travel traffic light system has been introduced for international travel. From 19 July 2021, trips to green and amber listed countries are legally permitted if you live in England and Scotland. However, you’ll still need to fulfil any pre-departure requirements, such as testing. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant local authority.

If a country is on the green or amber list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you’re aware of any specific requirements relating to entry and to check travellers from the UK are permitted. Countries can have their traffic light status changed at short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) advice for the latest information.

The FCDO currently advises against all but essential travel to red listed countries. Should you choose to travel against the FCDO rules, you will not be covered by any travel insurance policy you purchase. Some providers do offer cover for international travel if you’re travelling for essential purposes, however most do not. In all cases, should you have any queries please check the policy wording or contact your chosen provider before purchasing to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland.

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Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.

The Money and Pensions Service (MaPs) has launched a directory of insurance providers on its Money Advice Service website that may be able to provide quotes over the phone, if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers’ Association on 0370 950 1790.

What's the best kind of travel insurance for Thailand?

Thailand offers so much variety, from temples to elephant watching to full moon parties, that the type of insurance you need will depend on your plans and your travel style. Here are a few things you should ask yourself before you compare Thailand travel insurance:

  • Are you doing adventure sports? Anything sporty that appeals to thrill-seekers is likely to be considered risky by insurance providers. If you plan on rock climbing, white water rafting, bungee jumping, or any of a wide range of other adventurous activities, you’ll want to choose a policy with adventure sport cover.

  • Are you diving? The islands of southern Thailand provide some of the world’s best diving destinations – and divers need to take extra care with travel insurance. Check your policy to make sure diving is included, and look out for depth limits. If you dive deeper than the limit, you risk invalidating your cover.

  • How much would cancellation cost you? Flights to Thailand can be expensive, and – alongside hotels and excursions – could mean that cancelling your trip costs significantly more than a basic policy travel insurance policy would pay out. Check the cancellation limits carefully before you buy. Find out more about holiday cancellation insurance.

  • How much are your personal belongings worth? Even the most bare-bones backpacker will often travel with a couple of expensive gadgets, and those looking for a more luxurious experience might face a hefty bill in case of lost or stolen luggage. Think about what you’re taking and ensure you have enough cover.

Do I need a visa for Thailand?

If you have a British passport, you won’t need a visa for stays in Thailand of up 30 days. Anything more than 30 days and you’ll need to apply for one.

Any other travel tips for Thailand?

Currency: The Thai baht (B) is the official currency. You can use your credit or debit card at good hotels and in some of the more upmarket restaurants and shops but surcharges to use them can be high.

Vaccines: You should go and see your doctor at least eight weeks before you go away – they can inform you of any precautions or vaccinations you may need. You might be advised to have some vaccines such as Hepatitis A, Tetanus and Typhoid, usually free on the NHS.

Language: Thai is the official language but many locals will have a smattering of English.

Tipping: Tipping isn’t expected but it is of course much appreciated.

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