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Travel insurance for Thailand

Thailand has so much to offer British travellers. In the south, there's the floating markets of Bangkok and the turquoise blue waters of the Phi Phi islands. Over in the North, there's the history-steeped Chiang Mai and the relaxed atmosphere of Pai.

Most visits to Thailand are without problems, but it's always best to be prepared by considering travel insurance. If you're ready to start comparing policies, click 'get a quote' now. If not, keep reading to learn more about Thailand travel insurance.

Landmarks in Thailand

Important information

All insurance products exclude cover for known events. These are global events that can put you in danger and/or disrupt travel.

The Covid-19 pandemic is an example of this. This exclusion applies if the event was declared as a ‘known event’ when you bought your insurance.

If you travel against Foreign, Commonwealth and Development Office (FCDO) advice, you won't be covered by travel insurance. If you don't meet your destination’s entry requirements, you also won’t be covered by travel insurance.

The FCDO advises against all but essential travel to certain parts of South Thailand. In particular, places close to the Thailand-Malaysia border*.

*Correct as of November 2024

Do I need travel insurance for Thailand?

Yes, it's worth considering.

Unlike places like Cuba, travel insurance isn't a legal requirement for Thailand. But, that doesn't mean that you shouldn't get it.

With the right policy in place, you can have peace of mind you're covered should things go wrong. For example, if your luggage gets lost, damaged or stolen. Or, if you experience unexpected trip delays.

Choosing the right policy for your trip

For Thailand, you have a few options. You can either get a single-trip policy if that's the only holiday you're planning in the next 12 months. Or you can get an annual policy for multiple trips over the next year, but it would need to be with worldwide cover for Thailand.

You can choose between the following policy types:

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Single-trip travel insurance

Single-trip travel insurance is ideal for 'one-off' trips. It covers a single trip, from the time you purchase the policy until you return.

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Annual multi-trip travel insurance

Are you a frequent traveller? If you are, annual travel insurance could be cheaper. It can cover multiple separate trips, usually over 12 months.

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Backpacker travel insurance

Is Thailand part of a bigger trip? No problem. Backpacker travel insurance is designed to cover multiple countries in 1 trip, usually between 3 to 18 months.

What our travel insurance expert says

"Bustling street markets, bright blue seas and traditional temples. These are just a few reasons why Thailand is such a popular place for British tourists.

"But, did you know that medical care can be expensive in Thailand? Plus, most hospitals ask for proof of payment before providing treatment. This is why having travel insurance is important. It can help cover the costs should anything go wrong. So, you can enjoy your once-in-a-lifetime Thai trip with peace of mind."

Alvaro Iturmendi - Confused.com travel insurance expert
Travel insurance expert Confused.com logo

What does travel insurance for Thailand cover?

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What's covered:

  • Cancellation and curtailment cover: If you need to cancel your trip or return home early because of an unexpected reason.
  • Medical cover: Medical treatment in Thailand can be expensive. Travel insurance can cover the costs.
  • Repatriation cover: If you need to be flown home to receive medical treatment. Without travel insurance in place, this could cost thousands of pounds.
  • Baggage cover: If your luggage is stolen, or accidentally lost or damaged. Most policies typically include personal possessions, too. For example, your passport.
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What's usually not covered:

  • Incidents involving alcohol and drugs: If illness, injury or death occurs as a result of these substances.
  • Travelling against government advice: If the FCDO advises against travel to a destination, but you go anyway.
  • Undeclared pre-existing medical conditions: Travel insurance can cover pre-existing medical conditions. But, only if they've been declared. If you don't declare them and need treatment, you won't be able to make a claim.
  • Cover for natural disasters: Incidents like tsunamis, tropical storms and floods are possible in Thailand. They're usually not covered, especially if they're declared a 'known event' before buying the policy.

How much is travel insurance for Thailand?

The price depends on the nature of your trip, and personal circumstances. This includes any pre-existing medical conditions you may have.

Here are a few examples of the cost of different travel insurance policies:

Policy type Price
Single trip travel insurance
£8.901
Annual travel insurance
£26.952
Backpacker travel insurance
£96.263

1Cheapest price for single-trip travel insurance. Based on 1 adult aged 30 with no pre-existing medical conditions, travelling in Thailand for 1 week. Confused.com data, November 2024.
2Cheapest price for worldwide annual travel insurance (excluding the US, Canada, Mexico and the Caribbean). Based on 1 adult aged 30 with no pre-existing medical conditions. Confused.com data, November 2024.
3Cheapest price for worldwide backpackers insurance (excluding the US, Canada, Mexico and the Caribbean). Based on 1 adult aged 30 with no pre-existing medical conditions, travelling for 3 months. Confused.com data, November 2024.

Medical care in Thailand

The level of healthcare offered in Thailand can vary.

Private hospitals are usually of a high standard, but can be pricey. Outside of Bangkok, public hospitals don't always meet the standard of the UK.

All hospitals, private or public, require a payment guarantee before treatment. Remember that your Global Health Insurance Card (GHIC) isn't valid in Thailand. So, treatments can cost thousands if you don't have travel insurance.

If you have a medical emergency and need treatment, your travel insurance can cover the cost. You can also phone your insurer for immediate medical assistance. Check your policy details for the number.

What vaccinations do I need for Thailand?

Travel Health Pro recommends most travellers get Hepatitis A and Tetanus. Some travellers are recommended to get Hepatitis B, Japanese encephalitis, Rabies, Tuberculosis and Typhoid.*

Find more information on vaccine recommendations on the Travel Health Pro website.

Insurance for activities in Thailand

You can get policy add-ons for an additional cost to the price of your policy. These include:

Activity travel insurance

Thailand is a once-in-a-lifetime trip for many. So, it only makes sense that you might be planning more adventurous activities. For example, paragliding. For any 'high-risk' activities, you'll need this add-on for the appropriate cover.

Water sports cover

A big reason British travellers visit Thailand is for the sparkling blue waters! Things like snorkelling and jet skiing are usually covered by a standard policy. But, if you're thinking of scuba diving past a certain depth - you'll need this add-on.

Golf travel insurance

When you think of Thailand, golf might not be the first thing that comes to mind. But, there's a range of golf resorts across the country, particularly in the sunny south. So if you're going to enjoy a few rounds, this add-on can cover most golf-related problems.

Gadget cover

Most standard travel insurance policies include gadget cover. But, it's usually limited. If you're taking expensive electronics with you, this add-on might be ideal. It can offer enhanced cover for things like cameras and smartphones.

Top tip: Visiting an ethical elephant sanctuary? Some insurers can cover your visit with an activity add-on. But, some insurers might only cover it through a specialist policy. If you're unsure on what cover you'll need, chat to your provider to get clarification.

Do I need a visa for my trip to Thailand?

No. You'll be able to stay in Thailand for up to 60 days without a visa, twice a year.

If you're planning to stay any longer than that, you'll need to get a visa. You'll also need a visa before you travel if you're visiting Thailand for work or study.

You can find more information on the GOV.UK website.

Thailand travel tips

Staying safe

There's a few things you can do to increase your safety in Thailand:

  • Be wary of drink spiking. Unfortunately, drink spiking does happen in Thailand to both male and female victims. Never accept drinks from strangers or leave your drink unattended. Keep in mind that drinks served in Thai bars are often far stronger than what we get in the UK, too.
  • Carry your valuables securely. Pickpocketing is common in Thailand, especially in busy places like markets. Keep your valuables securely tucked away and out of sight. Many people like to use crossover body bags that zip-up.
  • Be careful on sleeper trains. Overnight trains are popular ways to travel in Thailand. They're generally safe. But, it's worth keeping things such as your passport, wallet and phone with you in the bunk.
  • Keep a note of places you're staying. If you get lost, you can provide the name of your accommodation for directions on how to get back there.

Language

The top 3 languages are Central Thai, Northern Thai and Isan. But, many locals can speak English, with more fluent speakers usually in tourist areas. So, you should have no trouble speaking English in places like Bangkok and Chiang Mai. But, if you can, consider learning a few phrases like 'please and 'thank you'. Locals often appreciate the effort!

Weather

Thailand has a tropical climate. The temperature is warm throughout the year, and it's split into 3 seasons:

  • Wet season. This is from May to October. Rainfall is common during this time, but it tends to come in short bursts of 1 to 2 hours. So, many people still find visiting in the wet season pleasant.
  • Cool season. This is from November to February. There's usually little rainfall during this season, with cooler humidity. Many people agree this is the best time to visit.
  • Hot season. This is from March to May. There's often minimal wind and little-to-no rainfall during this time. So, many people can find this to be a difficult time to visit.

Currency and Money

The currency used in Thailand is the Thai Baht. In general, most places accept card payment. But, if you plan on visiting smaller towns, you may want to carry cash as an alternative.

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Page last reviewed: 20 November 2024

Reviewed by: Alvaro Iturmendi

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