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April, Vumi Travel VIP, IMG Global Hopper, GeoBlue, and MSH International are among the best travel insurance options for your next trip to Bangkok. Each offers a variety of travel insurance plans that can be tailored to your needs and budget in the Land of Smiles.
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Travel insurance can make all the difference to your peace of mind when traveling abroad. In this Pacific Prime article, get to know some of the top providers for your next trip to Bangkok and what you should consider to pick the right insurance plan for you and your loved ones!
The Importance of Travel Insurance in Bangkok
Travel insurance is crucial to your trip planning because many countries require visitors to have sufficient insurance coverage when applying for a visa. Even if you don’t need one for your visa, a good insurance plan can lend you a hand in times of emergency illness or trip disruptions.
If you need to apply for a visa or an entry permit for your trip, it is likely that they will also ask you for proof of insurance coverage. This is especially more so if you are applying for a longer trip.
That is because when you’re abroad, more often than not, you will not be protected by the safety net you have back home, such as your social security or local private health insurance coverage. It is also likely that you won’t be protected by the social safety net of your destination country either.
A proper travel insurance plan can save you from this.
Not only can it cover your necessary medical procedures, but many travel insurance plans also come with comprehensive compensation in case of trip disruptions or the loss of your personal belongings.
Thus, you can rest assured that your holidays don’t have to be more expensive than they actually are and that someone is there looking out for you should any misfortune occur during your trip.
5 Best Travel Insurance for Your Trip to Bangkok
April, Vumi Travel VIP, IMG Global Hopper, Geoblue, and MSH International are among the best travel insurance options for visitors to the capital city of the Land of Smiles. Each provides a deep pool of products you can choose from for a policy that best suits your stay and budget.
Here’s some introduction to our top performers to familiarize you with their offering.
April International Travel Insurance
With offices in 28 countries and 4,000 employees dedicated to customer service, travelers can rest assured they are in good hands under April International. April offers both short- and long-term coverage as well as options for travelers to tailor their coverage according to their budget.
April International offers short-term and long-term plans for travelers to choose from according to the length of their trips.
- Short-term Plan – Designed for a trip of less than 12 months, perfect for individuals and families going on holidays or a temporary work trip abroad
- Long-term Plan – Design for a trip of longer than 12 months, perfect for individuals and families going on a long trip or long business stay abroad
Apart from the length of coverage, travelers can also choose how much coverage they need. This can be ideal for travelers who are traveling on a budget and are seeking a more economical plan that can still provide emergency coverage.
- Emergency Plan – Coverage for emergency care only, a more affordable option for those traveling on a budget
- Comfort Plan – Coverage for all medical situations, the most comprehensive plan to cover your medical needs abroad
April International’s plans can be tailored to cover an individual or a family. A family plan includes:
- 2 adults over the age of 21
- 1-3 children
Other perks of April International’s plans include:
- Pre-existing conditions coverage for policyholders under the age of 50
- No deductible for international plans
- Second medical opinion coverage
- Telehealth appointments
Non-medical benefits offered by April include:
- Legal assistance
- Return of mortal remains
- Return trip in the event of death or hospitalization of a family member
- Assistance for theft or loss of personal belongings
- Accommodations for emergencies
- Personal liability
VUMI Travel VIP Travel Insurance
VUMI offers both single and annual multi-trip options for travelers. All travelers under VUMI’s have access to VUMI VIP services, which can lend additional assistance and comfort as you are abroad.
VUMI offers a line-up of single and annual multi-trip insurance plans that can be customized to add extra benefits such as non-medical and trip cancellation add-ons.
- Single Trip – Coverage for a single trip, but can be extended as many times as needed, as long as they are consecutive days and do not exceed 365 days in total.
- Annual Trip – Coverage for all your trips within a year, with a maximum of 30, 45, or 90 days per trip (length depending on the plan)
On top of medical coverage, non-medical add-ons are also available for additional coverage upon selection, such as:
- Luggage delay, theft, loss, or damage
- Travel delays or missed flights
- Theft of cash or a passport
- Personal liability for bodily injury or property damage
- Coverage for accidental dismemberment or death
- Daily benefit for the hospital
- Legal assistance
Trip cancellation add-ons are also available for travelers to claim compensation under the circumstances of serious illness, injuries, death, or other events that lead to trip cancellation.
All policyholders will have access to VUMI’s VIP services, which include:
- 24/7 emergency assistance
- Second medical opinion in the annual trip plan
- Compassionate emergency visit
- Return ticket home in the event you miss your flight because of sickness
- Free coverage for kids under 2 years old
- Emergency dental coverage
- … and more
GeoBlue Travel Insurance
For US travelers who already have a primary health insurance plan, GeoBlue can be a great supplement for your trip abroad. Travelers can choose from the Voyager, Trekker, and Xplorer plans for coverage that best suits the frequency and the length of their trips.
Unlike other insurers’ offerings, GeoBlue’s offerings act as a supplement to a local insurance plan, allowing US travelers with ongoing U.S. health plans to receive certain coverage even when they are traveling abroad.
Policyholders will need to have an ongoing health insurance plan when purchasing a travel policy from GeoBlue. The ongoing plan does not have to be a GeoBlue plan.
GeoBlue offers plans catering to travelers going on trips of different lengths and frequencies. These are Voyager Choice Plan, Trekker Choice Plan, and Xplorer Premier Plan.
Voyager Choice Plan – Perfect choice for a single trip, policyholders can avail themselves of benefits such as:
- Transportation benefits for post-departure trip interruption up to USD $1,000
- Quarantine benefits for 10 days up to $50 a day
- Customizable medical limits and deductibles
- Pre-existing conditions coverage for policyholders with an ongoing U.S. health insurance plan
- 24/7 phone, web, mobile, and telemedicine support
- No hospital pre-certification penalty
Trekker Choice Plan – A plan designed for those who take multiple trips a year, policyholders can avail themselves of benefits such as:
- Coverage for COVID-19 testing and treatment
- Pre-existing condition treatment and evacuation coverage
- Coverage for an unlimited number of trips outside the US within 12 months
- Luggage protection up to USD $100 for each bag
- 24/7 phone, web, mobile, and telemedicine support
- No hospital pre-certification penalty
Xplorer Premier Plan – A worldwide comprehensive plan for those staying more than three months abroad, policyholders can avail themselves of benefits such as:
- Unlimited annual and lifetime medical coverage
- Immediate coverage for pre-existing conditions with proof of previous coverage
- Access to the Blue Cross Blue Shield PPO network in the U.S.
- Prescription coverage
- Dental coverage upon selection
- Unlimited telemedicine services
- Guaranteed continuous coverage for spouse and dependents in case the policyholder passes away
MSH International Travel Insurance
MSH International’s diverse lineups of insurance products allow travelers to choose policies that work best for them beyond medical coverage. Their lineup offers not only policies for trips but also dedicated policies for extreme activities and non-medical benefits.
For travelers, MSH International offers both single- and multi-trip insurance.
- Single-trip insurance provides travelers with global coverage for emergency illness or injury, hospitalization, ambulance, and repatriation up to USD $7,000,000 in a single trip.
- Multi-trip insurance provides travelers with global coverage for emergency illness and injury, hospitalization, ambulance, and repatriation up to USD $10,000,000 with a maximum length of 100 days per trip.
- Apart from your usual travel insurance with coverage for medical emergencies, MSH also offers other unique plans that cater to specific needs, including:
- Non-Medical Travel Insurance – Offering global coverage for trip cancellations and interruptions, reimbursement for lost or stolen baggage, and accidental death
- Worldwide Emergency Medical Coverage – Offering comprehensive emergency medical coverage up to USD $1,000,000, including hospitalization, routine check-ups, dental, and vision care following the emergencies
- Special Risk Insurance – Offering special coverage for extreme situations, including medical emergency, evacuation, disability, kidnap, ransom, extortion, and extreme sports in high, medium, and low risk locations
IMG GlobeHopper Travel Insurance
IMG is one of the best travel insurance companies for expats and travelers due to their highly flexible and customizable plans. Travelers can choose maximum benefits and deductibles that suit them best, as well as various riders for additional coverage.
IMG GlobeHopper provides travelers with coverage from 5 days up to 2 years. Travelers can customize their coverage, such as the maximum benefit amount and deductibles.
Some medical benefits provided by IMG GlobeHopper are such as:
- Hospitalization
- Intensive care
- Local ambulance service
- Prescription drugs
- Dental injury due to an accident
- Sudden dental pain
- Emergency room visits
- Outpatient care
- Basic sports coverage
For travelers who seek additional coverage, IMG also offers multiple medical and non-medical riders that travelers can add to their plans for extra benefits. These optional riders are such as:
- Non-medical benefits – Offering compensation in case of trip interruption due to terrorism, carrier’s accidental death, accidental death and dismemberment, and lost luggage
- Adventure sports rider – Offering additional sports coverage for travelers under the age of 65
- Enhanced accidental death and dismemberment coverage – Offering enhanced coverage for the primary insured
- Evacuation Plus rider – Offering medical evacuation coverage in case of non-life-threatening situations and natural disaster evacuation
Choose the Right Travel Insurance Plan with Pacific Prime
With so many insurers offering flexible and customizable policies, it can be hard to find that one policy that works best for your trip and budget, but expert insurance advisors at Pacific Prime are ready to go through the journey with you.
With over 25 years of experience in the insurance industry, our insurance advisors can leverage our deep ties with top insurers for the best offerings at the best price for you.
Should you have any questions about your plan’s terms and conditions or exclusions, our advisors are ready to address your concerns and represent you in any talks with your insurer of choice.
Contact us now for free quotes and plan comparisons. Safeguard your trip to Bangkok today!
Be sure you don’t miss our pages Chiang Mai Travel Insurance: A Comparison Of The Top Providers and Best Travel Insurance In Bangkok: Meet The Top Providers.
Frequently Asked Questions
Do I need travel insurance for traveling to Thailand?
Travel insurance is not mandatory when traveling to Thailand. Still, travel insurance is highly recommended due to the extra protection it lends to you should a medical emergency or trip disruption occur.
What is the best travel insurance for Thailand?
April, VUMI, GeoBlue, MSH, and IMG are among the best insurers for travelers coming to Thailand.
When should I buy my travel insurance?
Ideally, you should buy your travel insurance as soon as you have made a reservation for your trip. Many policies provide trip cancellation coverage. The sooner you buy, the less likely you are to fall through a coverage gap.
Coming to Pacific Prime, she is ready to utilize her experience for the new pursuit. With a strong passion for storytelling and writing, she hopes her words could help bring people closer to the best international health insurance plan that works for them. After all, as a writer, there is no greater honor than when one’s words can add clarity to the world of the readers.
Apart from writing, she is an avid planespotter. On the weekends, you can expect to find her loitering around the airport, gawking at all the aircrafts taking off and landing. When the weather does not permit planespotting, you can find her huddling on her cozy couch, watching ballet and figure skating as well.
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