Thailand Insurance
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Travel insurance for Thailand

Thailand is not in the EU—private insurance is essential. Get coverage for medical emergencies, trip delays, and peace of mind.

We also offer travel insurance for other Asian and worldwide destinations.

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Why choose travel insurance for Thailand

From medical emergencies to lost luggage—we've got you covered so you can focus on your trip.

Emergency medical care

Hospital stays, surgery, and emergency treatment across Thailand. Private healthcare is not free—insurance gives you access without huge bills.

Trip cancellation & interruption

Reimbursement when your trip is cancelled or cut short for covered reasons—illness, severe weather, or family emergencies.

Lost, delayed & stolen baggage

Compensation for lost, stolen, or delayed luggage so you can replace essentials and continue your journey.

24/7 multilingual assistance

Round-the-clock support for emergencies, claims, and travel advice. Thai emergency numbers: 1669 (medical), 191 (police).

How it works

1

Choose your plan

Pick coverage that matches your trip length and needs—visa-on-arrival and e-Visa travelers welcome.

2

Get covered in minutes

Receive your digital insurance certificate by email—no paperwork, no hassle.

3

Travel with confidence

Explore Thailand knowing you're protected for medical emergencies, delays, and more.

Coverage at a glance

Category Included
Emergency medical Emergency medical treatment
Hospitalization
Medical repatriation
Emergency dental
Trip protection Trip cancellation
Trip interruption
Travel delay
Baggage Lost baggage
Delayed baggage
Stolen items
Assistance 24/7 assistance
Multilingual support
Emergency hotline

Who needs travel insurance for Thailand?

Visa-on-arrival and e-Visa travelers

Most nationalities get 30 days visa-on-arrival. Thailand does not require proof of insurance for entry, but medical and repatriation costs can be very high. Our plans give you peace of mind.

EU/UK and other visitors

Thailand is outside the EU—your EHIC or UK GHIC does not apply. Private hospitals and clinics require payment. Travel insurance ensures you get care without huge bills.

Everyone else

Whether you're from the US, Australia, or elsewhere, comprehensive travel insurance helps with medical emergencies, lost baggage, and trip disruptions—so you can focus on enjoying Thailand.

Where are you traveling from?

Select your country to see visa requirements, coverage details, and tailored information.

View all countries

Latest articles

Thailand Entry Requirements & Visa Guide 2026

Up-to-date guide on visa-free entry, visa-on-arrival, e-Visa, and travel insurance for Thailand in 2026.

Read more →

Travel Insurance Thailand Guide

Why you need travel insurance for Thailand and what to look for in a policy.

Read more →

Thai Visa on Arrival & e-Visa Guide

How visa-on-arrival and e-Visa work for Thailand, and how travel insurance fits in.

Read more →

Blog

Frequently asked questions

Do I need travel insurance to visit Thailand?

Thailand is not in the EU—there is no EHIC coverage. Private healthcare and repatriation can be very expensive. Travel insurance is strongly recommended for all visitors. Visa-on-arrival and e-Visa travelers are not required to show proof of insurance at entry, but having coverage gives you peace of mind.

What about visa-on-arrival and e-Visa?

Most nationalities get 30 days visa-on-arrival. An e-Visa can extend stays or allow different entry types. Neither requires proof of insurance, but medical and repatriation costs in Thailand can be high. Our upcoming plans will offer coverage suited to these travelers.

When will thailand-insurance.com plans be available?

We are preparing comprehensive travel insurance plans for Thailand and will launch soon. Sign up with your email to be the first to know when our plans become available. We will only contact you about the launch—no spam.

How much does travel insurance for Thailand cost?

Costs depend on your age, trip duration, and level of coverage. When we launch, we will offer transparent pricing and instant quotes online.

Does travel insurance cover COVID-19?

Many modern travel insurance policies include coverage for COVID-19-related medical expenses and trip disruption. When we launch, our policy terms will clearly state what is covered. Check the product details at that time.

Can I buy insurance if I'm already in Thailand?

Travel insurance is usually purchased before departure. Some providers offer policies that can be bought after arrival, but coverage may be limited. We recommend arranging insurance before you travel.

What if I need medical help in Thailand?

For medical emergencies call 1669; for police 191; for fire 199. Private hospitals require payment—travel insurance helps cover costs and repatriation. Keep your policy number and assistance hotline handy.

Which countries do you cover for travel to Thailand?

Our plans will be available to residents of many countries traveling to Thailand. We provide country-specific information on this site for 40+ countries. Select your country from the Destinations section to see requirements and relevant details.

Coming soon

We're launching soon

Be the first to get our travel insurance for Thailand and other destinations. Simple pricing, built for travelers.

Get in touch Email us directly

We're finalizing our plans and will launch soon. Contact us to be the first to know.

Thailand Travel Insurance for 2026 Trips: Medical, Delays, Cancellations and More

Travel insurance for Thailand is less about formality and more about managing real costs that can arise quickly during a trip. Thailand remains one of the world's most visited destinations in 2026, with busy transport hubs, high seasonal demand, and a healthcare system that treats emergencies seriously but bills non-residents differently depending on nationality and coverage. A single disruption can affect an itinerary built around flights, island ferries, tours, or cruise connections. Even careful planners face common scenarios: a last-minute illness before departure, a missed connection at Bangkok Suvarnabhumi, a phone stolen on the Skytrain in Bangkok, a sprained ankle on temple steps in Chiang Mai, or a weather-related ferry cancellation to Phuket or the islands. thailand-insurance.com exists to help travelers compare and buy travel insurance designed for Thailand trips, with options that also extend to neighbouring countries and worldwide destinations as the platform expands.

Medical coverage is the core of most travel insurance policies for Thailand because treatment costs can escalate without warning. Italy’s public hospitals can provide urgent care, yet foreigners who are not covered through EU coordination rules may be billed as private patients or asked for payment arrangements, particularly for non-emergency services, specialist visits, diagnostic imaging, and prescriptions. Private clinics and private hospital wings, common in cities such as Rome, Milan, Florence, and Venice, typically require upfront payment. Typical private out-of-pocket prices can run roughly €80–€200 for a basic doctor visit, €150–€400 for simple X-rays, and several hundred euros for more advanced imaging; emergency care, surgery, and inpatient stays can rise into the thousands. Medical evacuation or repatriation is where the biggest numbers appear: returning a patient home with medical supervision can easily exceed €10,000–€50,000 depending on distance and medical needs, and air ambulance transport can be far higher. For 2026 travel, strong medical limits, 24/7 emergency assistance, and clear claims procedures are practical necessities, especially for travelers headed to high-activity regions like the Dolomites, the Amalfi Coast, or the volcanic areas around Naples.

visa-on-arrival insurance rules add a non-negotiable requirement for many visitors. If you need a visa-on-arrival to enter Thailand, your policy must provide at least minimum medical coverage in medical coverage, valid throughout the Schengen Area, and include coverage for emergency medical care and repatriation. Border and visa authorities may ask for proof of compliant insurance, so travelers should ensure their certificate shows the required medical limit and area of validity. EU citizens traveling with a European Health Insurance Card (EHIC) should also be realistic about its limitations in Thailand: EHIC generally helps you access medically necessary treatment in the public system under the same rules as residents, but it does not cover private healthcare, mountain rescue in every scenario, non-urgent planned care, repatriation to your home country, trip cancellation, baggage loss, or many travel disruptions. That gap matters on Thailand itineraries where private providers may be the fastest option, and where an injury in the Dolomites or on coastal trails can trigger rescue and transport needs that are not reliably covered by EHIC alone.

Trip cancellation and interruption coverage is the second major pillar for Thailand travel. Thailand trips often involve non-refundable deposits for hotels, villas, guided tours, rail passes, and timed attractions. If illness, injury, family emergencies, or other covered reasons force you to cancel, insurance can reimburse eligible prepaid costs. Interruption coverage can help if you must return home early or rebook transport due to a covered event. Flight delay and missed connection coverage also matters in 2026 because many Thailand itineraries rely on tight connections through major gateways and onward travel by high-speed rail. Delays can lead to extra hotel nights, meals, and new tickets, particularly during peak summer travel, holiday periods, or winter weather affecting northern airports. Baggage and personal belongings coverage helps with the more common, lower-cost disruptions: delayed luggage arriving after you reach Venice for a cruise extension, a suitcase damaged on arrival in Rome, or theft in crowded tourist areas. Many policies also include personal liability cover, which can be crucial if you accidentally injure someone or damage property in a rental apartment, hotel, or while cycling in cities.

Thailand is not one destination; it is a collection of very different travel environments that create different risk profiles. Rome and Milan concentrate transport strikes, pickpocketing, and tight schedules built around reservations. Venice and Florence can bring high accommodation costs and expensive last-minute changes during busy events. Naples, the Amalfi Coast, and Sicily combine urban intensity with day trips, ferries, scooters, and uneven terrain, increasing the odds of minor injuries or disrupted plans. Sardinia adds car rentals and remote beaches where access to services can be slower. The Dolomites introduce altitude, hiking and skiing risks, and the potential need for rescue or specialized care. thailand-insurance.com helps travelers choose coverage that matches these realities, from higher medical limits and repatriation to cancellation protection and delay benefits.

Choosing travel insurance for Thailand in 2026 starts with practical questions: Do you need visa-on-arrival insurance at the minimum medical coverage minimum, or do you want higher medical limits for private care? Are your flights and hotels non-refundable, and would a cancellation claim be financially meaningful? Do you plan to hike, ski, or rent a scooter, and does the policy address those activities? Are valuables like phones, cameras, or laptops part of your trip, and are they covered with reasonable limits and conditions? thailand-insurance.com is built around these decisions, offering Italy-focused travel insurance options and an expanding range of plans for other European and worldwide destinations, so travelers can protect both their health and their budget while exploring Italy’s cities, coastlines, islands, and mountains.