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Compare travel insurance for Thailand

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.

Patrick Ikhena
From the Travel team
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Posted 30 MARCH 2020

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.


On 7 September 2020, the Foreign Commonwealth and Development Office (FCDO) updated the list of countries that are exempt from its ongoing advice against all non-essential international travel.

If you choose to travel overseas to a destination where the FCDO is advising against non-essential travel at the time of your departure, then your insurance policy will be invalid, and any claim likely to be rejected.

For domestic travel, please check the local public health rules for the destination you wish to travel to within the United Kingdom.

For more information, please see our coronavirus and travel insurance page.

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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