What is the best travel insurance for Thailand? Thailand is the preferred destination for millions of travellers who year after year head to the so-called “land of smiles” in search of a variety of experiences.

Thailand awaits you with exciting cities like Bangkok, numerous Buddhist temples, paradisiacal islands where you can experience unforgettable moments, and even nature routes for trekking lovers. Therefore, it is normal that you are wondering what the best travel insurance for Thailand is, especially now that it is mandatory and since the goal of this trip is to enjoy it without having to worry about health or safety issues.

In this article, we will tell you about the best insurance options for travelling to Thailand, as well as their coverage and price. In addition, we will guide you step by step through the purchasing process, and you will discover how easy it is to get your travel insurance in just a few minutes.

Sawatdee Khrap, Thailand!

Why buy travel insurance for Thailand? 

A visit to a health center in Thailand usually means a high bill. In addition, as travellers, we often do not know exactly where to go, and therefore, we can end up in medical centers of questionable quality.

Hiring travel insurance for Thailand is the best way to be 100% focused on your trip and enjoy all the possibilities of this country without having to worry about anything other than your fun. The range of possibilities offered by the former Kingdom of Siam is “infinite,” and the range of possibilities of needing health insurance in Thailand is equally “infinite.” A simple stumble while walking down the stairs of a spectacular Buddhist temple, a problem when diving among fish, or even any medical need you may also have in your country (digestive discomfort, headache, flu, back pain, etc), without medical insurance in Thailand, could translate into a bill of thousands of euros.

temple in ubud thailand

Protection beyond health

Good health insurance for Thailand, such as the one we recommend at IATI, does not only protect you from health-related issues. In a trip with these characteristics, although it is quite a safe country, problems such as loss or theft of luggage can occur. Without an insurance policy, you would waste a lot of time and money in a situation like this, while with travel insurance for Thailand, you would be covered, and everything would be much easier to resolve.

On the other hand, an important reason to purchase your insurance is to be protected not only during, but before your trip, thanks to the cancellation coverage designed so that you do not lose the money invested in flights, accommodation, and activities.

In the next section, we will talk about this and other essential coverages for your visit to Southeast Asia.

Note that starting at the end of 2020, travel insurance for Thailand is mandatory. Thai authorities, aware of the high prices of quality health care, have moved from pointing out international insurance as highly recommended to definitively marking it as essential.

This mandatory insurance must also meet several conditions to be valid.

The two main ones are:

  • It must offer medical coverage of at least €100,000.
  • The medical coverage of the mandatory insurance must cover assistance for cases of COVID-19

Both conditions, as well as many others, indicated for a trip with these characteristics, are fully covered by IATI Backpacker (click here if your country of residence is within the European Union; click here if your country of residence is not part of the European Union) which covers up to €500,000.

What is the best travel insurance for Thailand?  

In the next section, we will tell you in greater detail what features your travel insurance should have for Thailand, both those that the government itself marks as mandatory and those that are necessary for the different activities that come with a trip like this.

If you want to travel now, don’t wait any longer and get the IATI Backpacker (click here if your country of residence is within the European Union; click here if your country of residence is not part of the European Union), the best insurance for Thailand that will accompany you throughout your trip and cover you in case of any need.

What features should the best travel insurance for Thailand have? 

Each trip is a completely different adventure, and therefore you need a different international insurance policy.

Just as for travelling to Paris or Everest, you will need a specific and different coverage for each, travel insurance for Thailand needs very specific coverage to ensure that you are always protected during your trip. What we will present to you next are the coverages that the best travel insurance for Thailand needs, all included in your IATI Backpacker policy.

Free assistance in your language 24 hours a day 

In case you need assistance, whether medical or any other kind, the last thing you need is to explain your problem over the phone in a language that is not your own. Can you imagine having to explain in another language that you need urgent help in the middle of a complicated situation? It would be a waste of time and even if you know how to speak the language, details that can be vital could be left out.

That’s why with your IATI travel insurance for Thailand, you will always be assisted in your language and, if necessary, you will have an interpreter to translate to Thai in case you need it.

You can contact us for free 24 hours a day and 7 days a week. If you contact us by phone from abroad and send us the bill, we will reimburse you so that you don’t have to pay the international call price.

three boats on an island with blue water in thailand

High coverage in medical assistance 

Travel insurance is now mandatory and must cover a minimum of €100,000. At IATI, we always go further, and our policy for this destination doubles and exceeds this coverage, offering you up to €500,000 in medical coverage.

The cost of medical care in this country can be high, and a simple visit to a quality hospital for a check-up where something as simple as an analysis and an X-ray is required can easily exceed €500.

This coverage also includes another of the new requirements to make this trip, travel insurance for Thailand that also covers you in cases of Covid-19.

Adventure sports in Thailand 

Coverage for adventure sports is 100% essential in travel insurance for Thailand. If you think this coverage only includes extreme experiences like skydiving, you are mistaken. This also includes activities such as snorkelling, diving up to 40 meters, kayaking, zip-lining, and hiking.

We are sure that during your trip to Thailand, you will want to discover the underwater world, walk through its lush nature, and participate in adventure activities. Thanks to your IATI Backpacker, you can enjoy these experiences knowing that, in case something happens, you will be covered and can receive the necessary assistance, including search and rescue.

Without deductibles, you won’t have to pay anything out of your pocket 

When looking for the best travel insurance for Thailand, you may find that most companies include things like deductible policies in small print. This means that if you take out insurance with a 100 euros deductible, even after paying for your travel insurance to Thailand, you will have to pay the first 100 euros for each medical consultation.

At IATI, none of our travel insurance policies has deductibles, and we cover all costs you may need when using your IATI Backpacker policy.

Medical assistance in Thailand without advance payment 

Thanks to your IATI Backpacker travel insurance for Thailand, you will receive the medical assistance you need, up to 500,000 euros, without having to pay in advance.

The process of using your international insurance is very simple. When you need help, you contact us and, depending on your needs, we will direct you to the best medical center near your location. When you get there, they will be waiting for you. Both the visit and any possible medical tests or medications will be covered by us, and you can continue your trip happily, without paying anything out of your pocket.

If you need medical assistance for any kind of emergency and can’t contact us first, don’t worry. Just keep your invoices for the visit expenses and medical documents, and when you send them to us, we will reimburse you as soon as possible.

huts on a village in thailand

Loss of baggage and theft included 

Your travel insurance for Thailand should cover you beyond health aspects. Thus, the coverage that protects you in case of luggage theft or loss is also very important. Although Thailand is one of the safest countries in Southeast Asia, there may be cases where this coverage is necessary, either due to problems with your luggage or due to theft with violence or intimidation. With your IATI Backpacker (click here if your country of residence is within the European Union; click here if your country of residence is not part of the European Union), you will be covered for up to 1,500 euros in these types of cases, and you will also have our assistance service to help you with the necessary steps.

You will also have extensive civil liability coverage of 60,000 euros, which will cover you in case of material or bodily damage to third parties.

Option to Cancel – Cancelling Your Trip to Thailand 

Organizing your trip means booking flights to the country, accommodations, and activities you will do there, but what if something prevents you from making this great trip? Will you lose all the money invested in this adventure?

To address the concern of many travellers, at IATI we were pioneers in creating the Option to Cancel Trip, which has become one of the favourite coverages of thousands of travellers who trust us.

For example, if a serious illness arises that prevents you from making this trip, you will have the protection of up to 2,000 euros to cover everything you cannot recover directly through your providers. Thus, with your travel insurance to Thailand + Cancellation Supplement, you can count on your money to make this adventure in the future.

one boat on the sea between mountains in Thailand

Coverage of travel insurance for Thailand 

Now that you are aware of how essential it is to have insurance when travelling to Thailand and know which coverages you must have, you may want to know all the details. On the IATI Backpacker page (click here if your country of residence is within the European Union; click here if your country of residence is not part of the European Union), you can see all the detailed information.

Here, as a summary of the main coverages, we show you this table so that you can visually know the major coverages of your policy.

Travel Insurance for Thailand Medical Expenses Coverage (covid-19 included) Theft and baggage damage Repatriation Cancellation fees (optional) Adventure sports
IATI Backpacker 500.000 € 1.500 € 100% 2.000 € 100%

How much does travel insurance for Thailand cost? 

The information that will convince you that IATI Backpacker is the best travel insurance for Thailand is its price. As you can see in the following tables, the price of your policy for two weeks of travel (which is usually the average number of days that travellers choose for this destination) is even lower than one night in a mid-range hotel.

This makes your international medical insurance a tiny part of your travel budget that, on the other hand, will become a huge saving in case you need any type of assistance once you’re there.

IATI Backpacker for residents of the EU:

International health insurance Price for 1 week Price for 2 weeks Price for 3 weeks
IATI Backpacker 50,56€ 82,72€ 103,84 €

IATI Backpacker for non residents of the EU:

International health insurance Price for 1 week 2 weeks 3 weeks
IATI Backpacker 50,56 € 82,72 € 103,84 €

How to hire the best travel insurance in Thailand  

Getting travel insurance for Thailand through the intuitive menu of IATI is easy. Now that you know that IATI Backpacker is the policy you need, click on the link below and follow these simple steps:

In the menu, you must fill in the following fields:

  • The origin of your trip
  • The destination of your trip
  • Start and end dates of your trip
  • Number of travellers
  • Type of insurance: travel insurance

After filling in the menu fields and clicking on “Calculate insurance”, just choose your IATI Backpacker and click on “Contract”. This is when you can activate the Cancellation Supplement we mentioned earlier, which will cover you if you must cancel your trip for any of the reasons established in the conditions.

Fill in your data, make the payment and you will receive in your email the details of your contracted travel insurance and the way to contact us if you need any kind of assistance.

Isn’t it super easy to get your insurance to travel to Thailand?

Useful information for travelling safely to Thailand 

Best time to travel to Thailand 

The best time to travel to Thailand in terms of weather is between the months of november and february for the central part of Thailand, as temperatures are less intense (even cooling down) and the amount of rainfall decreases.

This doesn’t mean that you can’t travel to Thailand during the rest of the year! Even during the rainy season, it is an excellent destination since rain, although intense, does not last all day and the country always has areas where you can escape it.

woman cooking on a food market in thailand

Security in Thailand  

Thailand is one of the safest countries in Asia, which makes it one of the most popular destinations every year. You don’t need to worry excessively about safety in the country, but you should take precautions.

Health in Thailand  

The country has high-level hospitals in its main cities, but it can be difficult to find quality centers far from these cities. In both cases, healthcare costs are high.

Therefore, it is essential, as well as mandatory, to have travel insurance when travelling to Thailand.

Don’t wait any longer and get your travel insurance for Thailand, the IATI Backpacker, with the best coverage and price for this great adventure that is about to begin.