A simples guide

Travel insurance – Thailand

Thailand – from island hopping to experiencing bustling Bangkok, there’s something for everyone, so it’s not hard to see why us Brits make over a million visits to Thailand every year.

We know that planning any holiday can make you giddy with excitement (especially when it’s cold, dark and raining outside) but there’s something you should always remember to tick off the list – your travel insurance.


Do I need travel insurance for Thailand?

It is always advisable to take out travel insurance that covers your needs when you travel to Thailand. Asia is relatively cheap once you get there but don’t make the mistake of thinking that hospital treatment comes 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).

Krabi beach

What’s the best travel insurance for Thailand?

Ultimately that will depend on what you intend to get up to. Thailand has a wealth of temptations – from diving, kayaking, white water rafting and rock climbing – as fun as these can all be (if you like that sort of thing) they’re considered pretty risky so double check that whatever policy you choose will cover you for these activities. If you are intending to go diving then check to see whether your policy covers you for unlimited depths, some will put a cap on how far you can dive down to.

You’ll also need to make sure you’re covered for theft or loss of luggage, it can get pricey if you suddenly need to replace the entire contents of your suitcase and hand luggage. Even if you’re backpacking and you think your worldly goods don’t amount to much, if you suddenly lost it all, could you afford to cover the cost yourself?

Check to see if your travel insurance to Thailand also includes cancellation (either by you or by your holiday provider). Flying to Thailand isn’t like hopping across to the Med so flights can be expensive, add in the cost of your accommodation and any trips you’ve booked and suddenly you’ve lost a lot of money and faced without sunshine or adventure to show for it.

There’s no one size fits all policy so it’s up to you to think about what you need and what’s important to you. You might want to think about any excess charges as well, a higher excess could mean a lower premium but you’ll be expected to pay that excess if you make a claim – so always be prepared.

What else do I need to think about if I’m going to Thailand?

Thailand is filled with adventures for the taking but you’ll need to make sure you’ve done the prep work – but there’s one thing we can definitely help you with and that’s finding your Thailand travel insurance. All you need to do is tell us when you plan to leave and any other specific things you think you’ll need cover for. We’ll then search through our trusted travel insurance providers to find the best fit for you. In the meantime, we’ve put together this checklist to get the prep work on its way.

Visa: If you have a British passport and you’re staying for no more than 30 days, then you won’t need a visa. Anything more than 30 days and you’ll need to apply for one.

Currency: The Thai aht is the official currency (B). 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 four weeks before you go away, they’ll be able to 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 which are usually free on the NHS.

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

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

Now that you’re equipped with the facts, it’s time to get the right Thailand travel insurance policy just for you. We search from dozens of suppliers so we’re confident we can find you the right cover for the best price, leaving you with a bit more cash.

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