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Travel Insurance for Thailand

From a wealth of palaces and ancient temples to pristine beaches and unique culinary experiences, Thailand has a wealth of experiences to offer Aussie travellers. Before you set off on your big Thailand adventure, though, it’s also important to consider the protection that travel insurance can offer should the unexpected happen on your trip.
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Joshua Sale
GM, Research
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Alasdair Duncan
Content Editor
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Why do I need Travel Insurance for Thailand?

Compare policies from over 25 Travel Insurance providers

Tick Travel Insurance
Insure and Go Insurance
World2Cover travel insurance
Fastcover
Qantas Insurance

We do not compare all brands in the market, or all products from our participating brands. At times certain brands or products may not be available or offered to you. Learn more.

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Compare a selection of travel insurers in Australia, with real time quote and features.

The below table is showing results for a 18-69 year old person travelling to Thailand. This table only shows products from our Online Partners who are able to return product prices. The Star Rating is based for the International profile. The International profile considers a range of travel destinations and consumer profiles. See the Travel Insurance Star Rating Methodology for more details.

Fast Cover logo
Fast Cover - Frequent Traveller Saver
gold stargold stargold stargold stargold star
UnlimitedUnlimited
Fast Cover logo
Fast Cover - Comprehensive
gold stargold stargold stargold stargold star
UnlimitedUnlimited
InsureandGo logo
InsureandGo - Gold
gold stargold stargold stargold stargold star
UnlimitedUnlimited
Fast Cover logo
Fast Cover - Standard Saver
gold stargold stargold stargold stargrey star
Unlimited$25,000
Freely logo
Freely - Overseas Explorer
gold stargold stargold stargold stargrey star
Unlimited$5,000
InsureandGo logo
InsureandGo - Silver
gold stargold stargold stargold stargrey star
Unlimited$15,000
InsureandGo logo
InsureandGo - AMT Gold 30 Days
gold stargold stargold stargold stargrey star
UnlimitedUnlimited
Tick Travel Insurance logo
Tick Travel Insurance - Top
gold stargold stargold stargold stargrey star
Unlimited$20,000
Tick Travel Insurance logo
Tick Travel Insurance - Standard
gold stargold stargold stargold stargrey star
Unlimited$5,000
Travel Protect logo
Travel Protect - Explorer
gold stargold stargold stargold stargrey star
Unlimited$40,000

The table above is sorted by Star Rating (highest to lowest) then Provider Name (Alphabetical).

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Travel insurance for Thailand: how can it protect you?

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Medical, Accident & Evacuation Cover

Smartraveller warns that road accidents are a significant cause or injury in Thailand. If you hurt yourself (or someone else), overseas medical care can be expensive, and the right travel insurance policy can cover you for both hospital bills and legal liability. In the event of a medical emergency that requires you to be flown home for specialist treatment, expenses can be unexpectedly high, so it’s important to consider travel insurance that covers this.

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Trip Cancellation & Delay Cover

If something goes wrong and delays your trip, forcing you to cancel flights and hotel bookings, then you can be out a lot of money, and travel insurance can cover for these expenses. Likewise, if things don’t go to plan on your trip to Thailand, and an event like a monsoon or flood or a family emergency forces you to extend your stay, travel insurance can help reimburse you for these and other expenses related to your delay.

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Luggage Loss or Damage Cover

Few things can ruin a trip faster than finding that your luggage has not joined you at your destination. If your bags are lost and you’re stranded without essentials, you may need to replace clothing, toiletries or even larger items. If this is a concern, you may decide to opt for a policy with a higher limit for loss or damage, so you can be covered for what you need, to help you enjoy a worry-free beach resort getaway.

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Travel insurance for Thailand

Key topics

How to choose the right travel insurance for Thailand?

When planning your Thai holiday, it’s important to include the expense of travel insurance into your budget, and to ensure that your level of cover is adequate for your vacation itinerary.

Simply choosing the cheapest option might mean that you’re not covered for all eventualities. For example, if you think that you might hire a moped to explore the area around your holiday resort, you’ll need to ensure that you take out extra moped/motorcycle cover as part of your travel insurance.

If you compare travel insurance for Thailand with Canstar, in addition to cover limits for medical treatments and the theft or loss of your possessions, you can see clearly whether cover for motorcycles and mopeds is available as an optional extra.

What does travel insurance for Thailand cover?

Most general travel insurance policies for Thailand include cover for:

Medical and dental treatment expenses

This includes admission to hospital, medical treatments, emergency dental work and evacuation/repatriation to Australia.

Stolen or lost luggage and travel documents

Covers the cost of replacing personal possessions or travel documents, such as passports, lost or stolen overseas.

Unforeseen cancellation or amendment of holiday plans

Life is unpredictable, and illnesses and bad weather can put holiday plans on hold, or cause major changes to itineraries, which can be expensive if you don’t have travel insurance coverage.

Legal liability

Legal liability covers you for any accidental damage you cause to other people or their property while you’re on holiday, including any related legal fees.

Optional extras

Optional extra cover packages offered by travel insurance providers can include: riding a motorbike or moped, rental vehicle insurance excess, cover for individual high-value personal items, existing serious medical conditions, late-term pregnancy, pet kennelling and loss of income due to serious injury overseas.

Repatriation

Should tragedy strike and somebody loses their life while on holiday, repatriation cover will meet the costs of returning their body home. Some policies also include funds to cover funeral expenses.

What does travel insurance for Thailand not cover?

General exclusions included in most travel insurance product disclosure statements include:

Do not travel warnings

Travel insurance will not cover you if the Australian government has issued a do-not-travel or a reconsider-travelling warning for your destination, be it an entire country or just a specific region. As mentioned above, there is currently a reconsider-your-travel warning in place for the Thai provinces of Narathiwat, Pattani and Yala. So always check at www.smartraveller.gov.au before you travel for the latest updates on the area in Thailand you’re planning to visit.

Medical tourism

Thailand is a popular destination for cosmetic surgery. However, standard travel insurance will not cover you for expenses incurred due to any issues that arise from elective or cosmetic procedures.

Failing to take due care

If you intentionally put yourself, your property, or others at risk through reckless behaviour, any resulting losses are unlikely to be covered under your insurance. This includes leaving your possessions unattended where they can be stolen easily.

Unreported items

All losses must be reported to your insurance company as soon as possible, and thefts should be reported to the local police. Your insurance company may require a police report to verify your claim.

Acting unlawfully

An insurance company is unlikely to pay any claim for a loss or injury incurred while you were breaking the law. It’s worth noting that Thailand has particularly strict laws concerning insulting the country’s monarchy, and it’s illegal to travel in the country without identification. Vaping and vape products are also against the law, as is smoking cigarettes on many tourist beaches.

Riding a motorcycle or moped, whether as the driver or a passenger

Even if you take out additional insurance to cover yourself while riding a motorcycle or moped in Thailand, you must carefully read the small print to check what level of cover the policy provides. Often the cover is limited to less powerful bikes, under 200cc, and the driver must have a valid driver licence to operate the vehicle. You must also always wear a helmet.

Being under the influence

Any claims made for loss while under the influence of drink or drugs will be rejected.

Pre-existing health conditions

Pre-existing, acute health conditions are usually not covered by regular travel insurance, although many insurance providers do offer specialised optional cover for those with serious health issues.

Pregnancy

Issues arising due to a late-term pregnancy, such as childbirth costs, are usually only covered by optional additional pregnancy cover.

How much does travel insurance cost for Thailand?

At time of writing, standard comprehensive travel insurance for Thailand without any level of motorbike or moped cover for a one-week trip for a couple costs between approx $176-$240, while policies with additional motorbike/moped cover cost between $216-$265. Prices and levels of cover vary, however, depending on your choice of insurance provider and travel details. You can compare travel insurance with Canstar to find travel insurance that suits your requirements and budget.

Travel Insurance for Thailand FAQ's

About our finance experts

Alasdair Duncan, Senior Finance Journalist

Alasdair Duncan | Canstar

Alasdair Duncan is a Senior Finance Journalist at Canstar, specialising in home loans, property and lifestyle topics. He has written more than 400 articles for Canstar and his work is widely referenced by other publishers and media outlets, including Yahoo FinanceThe New DailyThe Motley Fool and Sky News. He has featured as a guest author for property website homely.com.au.

In his more than 15 years working in the media, Alasdair has written for a broad range of publications. Before joining Canstar, he was a News Editor at Pedestrian.TV, part of Australia’s leading youth media group. His work has also appeared on ABC News, Junkee, Rolling Stone, Kotaku, the Sydney Star Observer and The Brag. He has a Bachelor of Laws (Honours) and a Bachelor of Arts with a major in Journalism from the University of Queensland.

When he is not writing about finance for Canstar, Alasdair can probably be found at the beach with his two dogs or listening to podcasts about pop music.

You can follow Alasdair on LinkedIn and Twitter.

You can also read more about Canstar’s editorial team and our robust fact-checking process.


Josh Sale, Travel Insurance Ratings Manager

Headshot of Josh Sale, CanstarAs Canstar’s Ratings Manager, Josh Sale is responsible for the methodology and delivery of Canstar’s Travel Insurance Star Ratings. With tertiary qualifications in economics and finance, Josh has worked behind the scenes for the last five years to develop Star Ratings and Awards that help connect consumers with the right product for them.

Josh is passionate about helping consumers get hands-on with their finances. Josh has been interviewed by media outlets such as the Australian Financial Reviewnews.com.au and Money Magazine.

You can follow Josh on LinkedIn, and Canstar on Twitter and Facebook.

Important Information

For those that love the detail

This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.