The Best Thailand Holiday Insurance

The best insurance companies for your holiday in Thailand include AXA, Cigna, GeoBlue, Thaivivat, and Allianz Ayudhya. These providers offer high limits for medical coverage. When picking the right plan for your holiday you have to ensure that the plan protects you from unexpected medical bills.

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Are you planning to take a holiday to Thailand? In this article, we’ll discuss how to secure holiday insurance with the right travel insurance company for your holiday. Find out where to compare holiday insurance plans for free!

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Top Insurance Companies For Holidays in Thailand

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Protect yourself from expensive yet unexpected medical costs on your Thailand holiday with a travel insurance plan with robust medical benefits. You’ll find the best medical coverage from insurance companies that specialize in international medical coverage.

Pacific Prime has partnered with specific companies for coverage in Thailand because they’re some of the best insurance companies in the country.

LUMA

LUMA travel insurance plans cover children as young as four weeks to adults as old as 75 years of age on holiday in Thailand. Expats and travelers alike value that LUMA offers options for multilingual support, 24/7 emergency assistance, and a second medical opinion across their plans.

AXA

AXA Travel Insurance is perfect for holidays in Thailand. If you’re considering a move to Thailand, they also offer longer-term international health insurance plans. Some of AXA’s top travel insurance benefits include:

Emergency medical coverage up to 2 million THB ($60,000 USD)
Coverage for illness, injury, accidents, hospitalization
24/7 emergency assistance services
Evacuation and repatriation benefits
Trip cancellation/interruption/delay
Baggage loss, damage, theft
Rental vehicle excess insurance
Coverage for high-risk activities like skiing, water sports

IMG

IMG offers expats and travelers outstanding benefits and affordable premiums across their Patriot Lite, Patriot Plus, and Patriot Platinum plans. Each of IMG’s travel insurance plans offers coverage for hospitalization, emergency medical evacuation, and lost luggage.

Cigna

Cigna is another company known for medical insurance. Their most comprehensive plans are their international health insurance plans, which include their Silver, Gold, Platinum, or Close Care plans. Across the Silver, Gold, and Platinum plans, benefits include:

Worldwide Coverage (including or excluding the US)
Inpatient Care
Mental Health Care
Global Health Assistance
Numerous Deductible Options
Online Customer Platform
Cancer Care
Visitor Accommodation Costs
Private Hospital Room Coverage
Annual Limit of USD $1,000,000–Unlimited

GeoBlue

Geoblue boasts one of the largest worldwide networks of direct billing providers and offers travel insurance plans in Thailand. The top three plans offered by GeoBlue for travelers in Thailand are their Xplorer Premier, Voyager Choice Single Trip, and Trekker Choice Multi-Trip.

Allianz Ayudhya

Allianz Ayudhya is another fantastic insurance company with offerings for holiday insurance in Thailand. Their Travel Plus Health Insurance Plan boasts comprehensive travel insurance coverage with international medical coverage.

April International

April International offers some of the best holiday insurance as well as expat insurance plans in Thailand. With four tiers of coverage across their Starter, Basic, Power, and Premium plans, vacationers are bound to find a plan that fits their needs and budget.

Pacific Cross Insurance

Pacific Cross Insurance offers holiday insurance plans in Thailand and Schengen-approved plans for your other holidays. Their cost-effective plans are considered top rate for travelers on a budget.

Thaivivat

Thaivivat sells insurance plans for expats and holiday-takers in Thailand. With benefits like coverage for illness, accidents, and non-medical emergencies worldwide, you’ll be set for your next trip.

MSIG

MSIG also offers some of the best insurance for holidays in Thailand, with great medical coverage. The company boasts over 120 successful years of business in Thailand, so you can feel confident in their offerings and expertise.

Optimum Global

Optimum Global has insurance solutions for your next holiday in Thailand that include medical coverage. They partner with Journeyman Services to offer top-rated choose from single-trip or annual multi-trip coverage.

If you’re looking for group insurance plans, you may also want to consider plans from Muang Thai Insurance and Generali Insurance.

Best Travel and Expat Health Insurance Companies in Thailand

Finding The Right Plan For Your Thailand Holiday

Travel insurance plans with medical benefits have exclusions for coverage, but some companies are great for recreational sports while others may offer the best direct billing network to simplify the claims process. You’ll also want to know what insurance companies are accepted at local hospitals.

Medical Care in Thailand for Holidays

Thailand tourists on holiday may receive care at either public or private hospitals. Be aware that public hospitals in Thailand only offer free point-of-care medical services to Thailand residents, and they use a dual-pricing model that covers foreigners more for the same services.

For more information about how the medical system in Thailand works, you will find additional information on our Thailand Health Insurance for Expats page.

High-Risk Activities during Holidays in Thailand

Holiday high-risk activities like skiing or water sports need an additional rider for accidents needing medical attention to be covered by a travel insurance policy. If you’re planning high risk activities during your trip to Thailand, consider travel insurance through AXA.

Holiday Travel Insurance Exclusions

Holiday insurance doesn’t include coverage for intentional self-harm or destruction of property. Travel insurance also doesn’t cover medical expenses for pre-existing conditions. Read the terms and conditions carefully or ask an insurance broker to help you understand exclusions.

Holiday Insurance in Chiang Mai, Thailand

Holiday insurance isn’t limited to specific cities, so you won’t need an insurance policy specific to Chiang Mai. However, you may appreciate plan features that match up with your travel plans for Chiang Mai. To read more about travel insurance for Chiang Mai, read this article.

Holiday Insurance in Bangkok, Thailand

Holiday insurance covers entire regions rather than only specific cities such as Bangkok, Thailand. However, you may prefer plans with coverage that aligns with your vacation plans in Bangkok. To learn more about insurance plans of interest for tourists on holiday in Bangkok, read this article.

Thailand Holiday Advice

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Plan your holiday in Thailand by knowing the expected weather during your stay, and be aware of health risks for your time abroad. With the right planning, you can not only secure an excellent holiday insurance policy but you can be prepared to make the most of your vacation.

Seasonal Thailand Holiday Advice

The weather in Thailand varies by season. Don’t worry though because there’s a place for everyone during any season!

In the summer, consider visiting Koh Samui, Phuket, and Chiang Mai. Summer in Thailand is from March through May.
During the rainy season, Ayutthaya, Kanchanaburi, and Koh Chang are great for holidays. Thailand’s rainy season is June through October.
Look into Bangkok, Pai, and Hua Hin for a holiday to Thailand during the winter months of November through March.

If you would like to know more about each city and when to visit, check out this article on the best time to visit Thailand. You’ll learn more about tourist attractions in every season.

Thailand Holiday Health Risks

Planning for health risks should happen at least 8 weeks before your holiday in Thailand. Speak to your physician to find out what vaccines and medications you’ll need before you travel. Thailand’s climate means that you are at a greater risk of certain diseases.

Following the following recommendations for travel to Thailand from the NHS will help you stay safe and healthy while on holiday.

Wash hands appropriately before and after using the restroom, changing nappies, or eating.
Drink only beverages in commercially sealed containers or drinks that have been boiled before being served. If you must purify your water, find a safe yet effective method.
Avoid insect bites by using repellent and avoiding areas where mosquitoes and other biting insects are common.
Avoid wild and unvaccinated domesticated animals since rabies is a health risk in Thailand.
Take precautions with any sexual partners abroad.
Protect yourself from the sun with clothing and sunscreen, and limit your time during the sun’s peak hours.

Pacific Prime has additional information about some of the diseases you may encounter while in Thailand. The articles will contain additional information about travel advice, vaccines, and treatment while on holiday.

Dengue is found in Thailand and spread by mosquitoes. Read about Dengue Fever travel advice here.
Schistosomiasis is a parasite found in Thailand spread by contact with contaminated water or infected snails. Check out this article to learn more about preventing Schistosomiasis infections abroad.
Rabies infections are more prevalent in animals in Thailand, so there’s a higher risk of infection for travelers on holiday. Learn more about rabies virus infections and preventions for traveling abroad.
Zika Virus is another risk for tourists in Thailand. Read more about the Zika Virus in this Pacific Prime article.
Hepatitis A is a vaccine-preventable infection that’s more common in Thailand than in the UK. You can learn more about Hepatitis A.
If you’re planning to visit more countries than just Thailand, you’ll want to gather more information on diseases found abroad.

Additional Travel Inspiration

Pacific Prime specializes in international insurance, so our blog has a wealth of resources for travelers and expats. You can collect additional ideas for travel including locations by enjoying some of these blog posts.

For additional inspiration on your trip to Thailand, check out more information on these topics:

Discover more places to visit, including hidden gems, by checking out places we recommend for expats to live in Thailand.
Compare prices for common grocery items, transportation, and dining out in this Guide to Living Abroad in Thailand.

For inspiration and information about traveling to other countries in Asia and Europe, consult these handy articles.

For places to see in Europe, consider some of the locations we recommend for expats in Europe.
For more places to tour in Asia, check out some of these places that are excellent spots for expats to live in Asia.
For more information about how much things cost for travel purposes, you’ll find our guide for expats in Asia is also useful for travelers.
To learn about the costs in Europe, we recommend reading our Guide to Living Abroad in Europe since the prices for transportation and food are relevant for travelers.

Frequently Asked Questions

Do you need travel insurance for Thailand?

Thailand no longer requires travel insurance or COVID-19 insurance coverage for taking a holiday in Thailand. However, having a travel insurance plan with medical coverage is highly recommended.

How much is insurance for a holiday in Thailand?

A travel insurance plan for Thailand can cost as little as GBP £39 for one week of basic coverage including medical benefits. For more generous coverage, travel insurance plans may cost GBP £120 for a holiday in Thailand.

What insurance do you need for a holiday in Thailand?

You will want travel insurance that covers the cost of medical emergencies and personal property that you cannot afford to replace. Since medical expenses can become expensive fast, make sure you have sufficient medical coverage before taking a holiday in Thailand.

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Conclusion

Taking a holiday in Thailand promises to be an outstanding adventure in the Land of Smiles. Make sure that you have appropriate travel health insurance because there are no NHS benefits in Thailand. Thailand’s hospitals charge tourists more for medical care than the local residents.

If you’re not sure what type of insurance coverage you’re looking for in Thailand, check out our guide “What Insurance Do I Need in Thailand?” You’ll also find additional information and tips about Travel Insurance in Thailand by exploring more of our blog posts.

If you are planning to visit or move to Bangkok, it is vital that you have the proper insurance coverage. Picking the right insurance plan can be hard, this is where Pacific Prime can help you.

With over 20 years of experience in the insurance industry, Pacific Prime Thailand offers comprehensive short term health insurance and travel insurance options. Our experts will help you navigate through the complications and find you the right plan for your needs and your budget.

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Jantra Jacobs

Senior Copywriter at Pacific Prime

Jantra Jacobs is a Senior Copywriter at Pacific Prime with over 10 years of writing and editing experience. She writes and edits a diverse variety of online and offline copy, including sales and marketing materials ranging from articles and advertising copy to reports, guides, RFPs, and more.

Jantra curates and reports on the results of Pacific Prime’s monthly newsletters, as well as manages Pacific Prime’s Deputy Global CEO’s LinkedIn posts. Complemented by her background in business writing, Jantra’s passion for health, insurance, and employee benefits helps her create engaging content – no matter how complex the subject is.

Growing up as a third-culture kid has given her a multicultural perspective that helps her relate to expats and their families while 8 years of working remotely have given her unique insight into hybrid work arrangements and enthusiasm for employee benefits.