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The top providers of travel insurance in Chiang Mai, and all of Thailand, are Luma Health, AXA, MSIG, IMG, Geoblue, and MSH International. Each specializes in different benefits, whether they be medical benefits or baggage coverage.
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Are you looking for the best travel insurance for your trip to Chiang Mai? Has the list of providers online overwhelmed you and you don’t know which plan to pick?
In this article, we will compare the benefits, premiums, and underwriting conditions of top travel insurance providers in Chiang Mai to help you find the best plan for your needs. Also check out our article on the Best Travel Insurance in Thailand.
Top Travel Insurance Providers For Chiang Mai, Thailand
The top travel insurance providers that provide coverage in Chiang Mai, Thailand, Luma Health, AXA, MSIG, IMG, Geoblue, and MSH International. Travelers heading to Thailand should compare the plans offered by each company and get free quotes before they pick one.
To compare quotes from these companies, you can head directly to this travel insurance quote page.
Pacific Prime partners with each of these companies and can help you compare their similarities and differences. We will give you professional advice about which provider is best for your individual situation.
To hear our free counsel, reach out to us with a message, and we’ll get back to you promptly.
Luma Health’s Luma Thailand Pass
Luma Health offers a travel insurance plan called the Luma Thailand Pass for travelers going to Chiang Mai and anywhere else in Thailand. Travelers can choose between the Lite Plan or Plan 1 to get coverage from USD $10,000 to USD $50,000.
For a trip departing from the United States to Thailand for 14 days, the estimated quote is USD $40 for the Lite Plan and USD $80 for Plan 1. The following chart shows the estimated coverage benefits and amounts for the Luma Thailand Pass for a 14-day trip.
| Luma Thailand Pass:
Estimate Amounts in USD |
||
| Coverage Benefit: | Lite Plan | Plan 1 |
| Estimated Insurance Premium | $40 | $80 |
| Death, Dismemberment, Loss of Sight, or Total Permanent Disability from Accident | $14,240 | $14,240 |
| Medical Expenses from Sickness or Accident | $9,970 | $19,940 |
| Emergency Medical Evacuation or Repatriation to Country of Domicile | $14,240 | $14,240 |
| Repatriation of Mortal Remains to Country of Domicile | $14,240 | $14,240 |
| Expenses for Visiting the Patient in the Hospital | $712 | $712 |
| Loss or Damage of Travel Documents | $71 | $71 |
| Public Liability (Deductible of USD $28 per claim) | $24,210 | $24,210 |
The underwriting conditions for the Luma Thailand Pass for a trip to Chiang Mai (or any destination in Thailand) include:
- The insured must be:
- Between the ages of 1 and 75
- In good health
- If a minor is under the age of 18, their parent or guardian must sign for them
- Travel within 14 days is still subject to the minimum premium price
- Only one policy can be purchased per person
To read all of the underwriting conditions, see the specific inclusions and exclusions, see an estimated price for your exact travel dates, and purchase a plan, please get a free Luma Health quote today!
AXA’s Sawasdee Plan
AXA offers their Silver, Gold, and Platinum travel insurance plans and their Sawasdee travel insurance plan for travelers and expats who enter Thailand, including Chiang Mai. Travelers who are 1–74 years old may qualify. Coverage may not cover travel in Pattani, Yala, and Narathiwat provinces.
Applications for the AXA Sawasdee travel insurance plan may take up to four days to process, and there is no waiting period or deductible. AXA Sawasdee includes coverage of the period of alternative quarantine, Safety and Health Administration plus hotels, and the Sandbox Program.
The below chart shows some highlights from the AXA Sawasdee plan. To see all of the inclusions and exclusions, and to get an accurate quote estimate for your travel dates, get a free quote today.
| AXA Sawasdee:
Estimate Amounts in USD |
|
| Coverage to meet the Thai Government requirements for foreign visitors | $50,000 and/or $100,000 on an annual limit |
| Medical Expenses | $50,000 |
| Insurance certificate stating the insured has coverage | Included |
| Personal Accidents | $28,500 |
The underwriting conditions for the AXA Sawasdee travel insurance plan for a trip to Chiang Mai (or any destination in Thailand) include:
- It must be purchased before you arrive in Thailand
- You must not be traveling to Thailand for medical treatment
- Coverage will begin after you clear immigration in Thailand and it will end as soon as you leave Thailand
- Coverage does not resume if you re-enter Thailand after leaving
- Each individual can only purchase one policy
MSIG Inbound Basic
MSIG offers their Inbound Basic travel insurance plan for travelers heading to Thailand, including Chiang Mai. Premiums begin at $29 for 30 days of coverage. You may qualify if you’re aged 15 days to 99 years old. There is a seven-day waiting period.
In the following chart, you can see the coverage amount included in the MSIG Inbound Basic plan. To see the full inclusions and exclusions, please contact us at Pacific Prime.
| MSIG Inbound Basic:
Estimate Amounts in USD |
|
| Estimated Insurance Premium | Starting at $29 |
| Inpatient coverage for illnesses | $57,000 per policy year |
The acceptance conditions for the MSIG Inbound Basic travel insurance plan for travelers headed to Chiang Mai and all over Thailand are:
- The insured must be a non-Thai citizen
- Coverage must be purchased before entering Thailand
- Only one policy can be purchased per traveler
- Coverage begins after you’ve gone through immigration in Thailand
IMG Globehopper
IMG’s Globehopper plan provides travel medical insurance for Thailand travelers, including those visiting Chiang Mai. You can choose between several maximum amounts of coverage from USD $100,000 to $1,000,000. The minimum length of coverage is 30 days.
An IMG Globehopper premium can be as low as USD $48. This quote example is for a 30-year-old female who is in Thailand for 14 days. This scenario is for worldwide coverage, excluding the USA, with a maximum limit of USD $100,000 and an excess of USD $500.
To customize your dates, age, and overall traveling situation, get a free travel insurance quote from IMG Globehopper. Click Buy Online Now, and you can get a quote without checking out.
| IMG Globehopper:
Estimate Amounts in USD |
||||
| Excess | Maximum Limit
$100,000 |
Maximum Limit
$250,000 |
Maximum Limit
$500,000 |
Maximum Limit
$1,000,000 |
| $0 | $67 | $80 | $93 | $106 |
| $100 | $59 | $70 | $82 | $94 |
| $250 | $53 | $64 | $74 | $85 |
| $500 | $48 | $58 | $67 | $76 |
The excess is the deductible, meaning the amount of medical expenses the insured must pay before the insurance plan kicks in and pays the remaining eligible expenses.
When you purchase the plan, you choose the amount of excess you’d like to pay in the event that you need medical treatment in Thailand. You also select the maximum limit of coverage you want, which determines the premium cost of your plan.
GeoBlue Voyager Choice
Geoblue’s single-trip Voyager Choice plan offers international coverage for up to 182 days. This plan covers travelers in Thailand, including Chiang Mai, and it is a comprehensive plan that covers pre-existing medical conditions.
Premium prices for the GeoBlue Voyager Choice plan begin as low as $20. This scenario is for a 30-year-old female traveling to Thailand for 14 days with a maximum coverage of USD $50,000 and a $500 deductible. This plan covers pre-existing conditions.
The following chart shows you the changes in price as you adjust the maximum limit covered and the deductible for the above traveler prototype.
To select your own travel dates, age, and traveling needs, get a free GeoBlue travel insurance quote. Click Buy Online Now, to get a quote without checking out. When you get your quote, you can also see the full inclusions and exclusions in the plan.
| Geoblue Voyager Choice:
Estimate Amounts in USD |
||||
| Deductible | Maximum Limit
$50,000 |
Maximum Limit
$100,000 |
Maximum Limit
$500,000 |
Maximum Limit
$1,000,000 |
| $0 | $28 | $31 | $34 | $35 |
| $100 | $25 | $27 | $31 | $31 |
| $250 | $22 | $25 | $29 | $29 |
| $500 | $20 | $22 | $27 | $28 |
MSH International
MSH International offers an expat starter travel and medical insurance plan that is ideal for travelers heading to Thailand, including Chiang Mai. The average plan costs around USD $83 and offers coverage up to USD $273,000 for medical fees.
A USD $83 MSH International quote estimate is for a 30-year-old traveling to Thailand for 14 days. It includes worldwide coverage, excluding the USA. The chart below shows some of the coverage benefits and their estimated amounts.
To enter your own trip dates, age, and travel needs, get a free MSH travel insurance quote.
| MSH International:
Estimate Amounts in USD |
|
| Estimated Insurance Premium | $83 |
| Coverage Benefit: | Amount Covered: |
| Death from Accident | $10,900 |
| Medical Expenses from Sickness or Accident | $273,000 |
| Emergency Medical Evacuation or Repatriation to Country of Domicile | 100% of actual fees |
| Repatriation of Mortal Remains to Country of Domicile | 100% of actual fees |
| Expenses for Visiting the Patient in the Hospital | Round trip ticket + up to $1,600 |
| Loss or Damage of Travel Documents | $2,500 |
| Public Liability (Deductible of USD $87 per claim) | $109,300 |
| Lost, Stolen, Damaged, or Delayed Luggage | Total coverage for your luggage |
Conclusion
If you plan to stay in Thailand for longer than a travel insurance plan can cover you, check out Pacific Prime’s article on health insurance options in Thailand, and also check out inbound travel insurance in Thailand and the 5 best worldwide travel insurance companies.
If you plan to travel more broadly, our article about the best travel insurance in Bangkok may be right for you.
Contact us or compare quotes today using our free online comparison tool.
Upon graduating from Mahidol University International College’s International Relations program, he spent his career in marketing and business development, working for an international subcontractor, a marketing research firm, an international news agency, a software development company, and a creative agency. His journey now continues at Pacific Prime, where he hopes to make an impact by simplifying insurance and writing a gargantuan amount of SEO articles to draw in billions of leads.
In his free time, Piyanat is an avid martial artist and musician, spending most of his time at boxing gyms in Nakhon Pathom and music studios with his friends in the music industry.
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