Travel insurance for Thailand from £2.33^
Key takeaways
The average cost of travel insurance for Thailand is £49.52
^ It can protect you if you have medical emergencies, trip cancellations, lost luggage, and more
Thailand is susceptible to monsoon seasons, so trip cancellation due to weather disruptions might be a consideration when choosing insurance
Do I need travel insurance for Thailand?
Holiday insurance is not a legal requirement. But without it you will be personally responsible for paying all the costs if something goes wrong with your trip.
Travel insurance can financially protect you if your holiday to Thailand is unexpectedly cancelled, you need medical treatment while travelling, or your valuables are lost or stolen.
According to the latest data from the Association of British Insurers:
British residents had to make 574,000
^ claims on their travel insurance in 2023The average claim amount was £972
^ and the average medical claim £1,750^ In contrast, you can find travel insurance to Thailand from just £2.33
^
What type of travel insurance do I need for Thailand?
Thailand is typically covered under worldwide travel insurance policies.
The specific type of policy you need depends on your travel plans:
One trip to Thailand only
If you are only visiting Thailand, choose single-trip travel insurance and select Thailand as your destination.
One trip to Thailand and other countries
Combining a holiday in Thailand with visits to other countries, perhaps on a backpacking trip?
Single-trip travel insurance can cover multiple countries as long as:
You don’t head home in-between countries. For that you need multi-trip insurance.
You are not away for a long time (policy-dependent, but usually a month). For that, you need backpackers’ insurance.
Several holidays throughout the year
You might save money by selecting an annual multi-trip travel insurance policy.
This will also cover you for staycations in the UK.
Travelling with a medical condition
You can get travel insurance with a pre-existing medical condition, but it may be more expensive than a standard policy.
How much is travel insurance for Thailand?
The table shows the average prices paid by our customers for holidays to Thailand this year. Average price means 51% of customers paid this amount or less. Cheapest price means 10% of customers paid this price or less.
Cheapest price | Average price |
|---|---|
£2.33 | £49.52 |
Can I get last minute travel insurance for Thailand?
Yes, it is possible to get last-minute travel insurance up to the day of your departure, although not all insurance providers will offer this.
Is it cheaper to buy travel insurance closer to my departure date?
No, it is usually more expensive to buy travel insurance last-minute.
If possible you should buy your holiday insurance as soon as you book your trip. That way you'll be covered if you have to cancel your Thailand holiday.
What should my travel insurance policy for Thailand include?
🚩Different travel insurance policies have different inclusions and exclusions. You should always read your documents and check what you're covered for.
Standard travel insurance will usually cover:
Illness and accidents
Trip and activity cancellations
Lost luggage (including your passport)
Theft
Repatriation (bringing you home if you are seriously injured, ill, or dead)
Personal liability (you are responsible for accidentally harming someone or their property)
What isn’t covered by travel insurance to Thailand?
Typical exclusions include:
Undeclared pre-existing medical conditions
'Unforeseeable' disasters including terrorism, war, strikes, and natural disasters
Alcohol and drug-related incidents
Travel to areas advised against by the government (found on the FCDO website)
Adventure or winter sports
💡 Top tip: You can upgrade your insurance to include add-ons like winter sports, gadget cover and travel disruption cover.
Remember your excess!
Your excess is the amount of money you must pay towards any insurance claim you make. It is a fixed amount regardless of the claim size and it is set in advance when you take out your policy.
Increasing your excess can lower the cost of your policy, but make any claims less affordable.
Medical care in Thailand
Thailand is on the FCDO's list of countries where there is a risk of methanol poisoning from drinking low-quality alcohol. ➡️ Learn how to protect yourself.
Cover for medical treatment costs is a vital part of travel insurance. All hospitals in Thailand require a guarantee of payment before treating patients.
Private hospitals are of a high standard, but can be expensive. The UK government advises that public hospitals and clinics do not always meet UK standard, particularly outside Bangkok. It’s therefore important to ensure that you have travel insurance that adequately covers private treatment.
Can I get travel insurance for Thailand if I have a pre-existing medical condition?
Yes, you can get travel insurance cover with a pre-existing medical condition, but it may be more expensive than a standard policy.
A pre-existing condition is any medical issue for which you had symptoms, medication, medical advice, treatment, or tests before you took out your insurance policy. It includes mental health conditions and disabilities.
You must disclose all pre-existing medical conditions. If you don't, your insurer can refuse to pay out for a claim.
Do I need vaccinations to visit Thailand?
🚩 Vaccination recommendations may be different for individuals with specific health conditions. We recommend speaking to your doctor before travelling.
The NHS Fit for Travel website recommends that your regular vaccinations are up to date before you travel to Thailand, including your flu and Covid-19 vaccines if you are eligible for these.
Travellers may also wish to consider diphtheria; hepatitis A; hepatitis B; Rabies; tetanus; and typhoid vaccines. Individuals at highest risk should consider the Japanese encephalitis vaccine.
Travellers aged nine months or over arriving from countries with a risk of yellow fever transmission require a yellow fever vaccination certificate.
Do I need a visa to visit Thailand?
🚩 Visa requirements for a country can change. For the most up-to-date information, check the UK government’s foreign travel advice website.
You can visit Thailand for tourism, business, and urgent or ad-hoc work for 60 days without a visa.
It’s also worth noting that your passport must have an expiry date at least six months after the date you arrive, and have at least one blank page.
What insurance do I need to go diving in Thailand?
Thailand is renowned for its heavenly beaches and pristine waters. In particular, the country’s southern islands are home to some of the best diving spots in the world.
If you plan to explore the depths of the sea, make sure to add scuba-diving cover to your travel insurance for Thailand. This will allow you to truly make the most of this unique activity. Bear in mind, though, that the level of cover you’ll get depends on your level of experience. It is unlikely that insurers will cover the costs of any unexpected mishaps if you dive at levels you are not qualified for.
Do I need travel insurance for weather disruptions?
Thailand is susceptible to extreme weather, particularly during monsoon season, so it’s advised to get travel insurance that covers any disruptions this might cause.
Travel disruption insurance can cover flight delays, cancellations, and tour cancellations as a result of tropical storms, tsunamis, floods, or other unexpected events. It’s not always included in standard travel insurance, so it’s crucial to check your policy documents. If you find that your insurance doesn’t cover weather disruptions, you may be able to purchase this as an add-on.
Is backpacker’s insurance suitable for my trip to Thailand?
Thailand is a haven for backpackers, and if you're one, you can find great deals on backpackers’ insurance, which is tailored for longer stays or if your journey includes several countries.
How do I claim on my travel insurance?
Report the incident you want to claim for to your insurer as soon as possible
If something is stolen, report it to the local police within 24 hours and get a report
Keep records of what has happened, including photos or videos and the contact details of anyone involved
Read our guide to making a claim on your travel insurance.
Find cheap Thailand travel insurance with MoneySuperMarket
Compare quotes from different insurers to find the best price for the level of cover you want. Don't want this task on your to-do list? We can do the work for you, saving you time and money.
Plus, we offer our travel insurance customers rewards! Get a voucher worth up to £5
Just sign up to our free SuperSaveClub
Compare travel insurance quotes | Thailand cover from just £2.33
^
Author
Jake Edmonds
Former Senior Commercial Manager
Jake was a Senior Commercial Manager at MoneySuperMarket, overseeing the Travel, Business, and Landlord Insurance channels. Jake joined MoneySuperMarket over six years ago, he began his career here...
Reviewer
Katie Bishop
Insurance writer
Katie Bishop is an author and journalist with a decade of writing and editing experience. She has previously worked as an economics editor at Oxford University Press, and her business and finance...
