Travel insurance for Thailand from £18.50^

Key takeaways

• The average cost of travel insurance for Thailand is £50.19 ^{^}

• 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 2025 data from the Association of British Insurers:

• British residents had to make 500,000+ ^{^} claims on their travel insurance in 2025

• The most common reason for claiming was to cover unexpected medical expenses, with an average insurance payout of £1,528 ^{^}

• In contrast, you can find travel insurance to Thailand from just £16.44 ^{^}

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:

How much is travel insurance for Thailand?

The average cost of travel insurance for a single trip to Thailand is £40.85 ^{^} . However, the price you pay will vary depending on factors like your party size and how long you are visiting for.

^{The figures in this table are the averages of the costs paid by MoneySuperMarket customers over the last three months.}

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.

You can buy last minute travel insurance through MoneySuperMarket.

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?

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)

🚩Different travel insurance policies have different inclusions and exclusions. You should always read your documents and check what you're covered for.

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 .

Medical care in Thailand

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.

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 .

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.

You can buy medical travel insurance through MoneySuperMarket.

Do I need vaccinations to visit Thailand?

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.

🚩 Vaccination recommendations may be different for individuals with specific health conditions. We recommend speaking to your doctor before travelling.

Do I need a visa to visit Thailand?

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.

🚩 Visa requirements for a country can change. For the most up-to-date information, check the UK government’s foreign travel advice website.

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

➡️ Learn more: How to make a claim on your travel insurance.

Where can I get cheap travel insurance for Thailand?

With MoneySuperMarket you can compare quotes from up to 42 different travel insurers, helping you find the best price for the level of cover you want.

Plus, we offer our travel insurance customers rewards! Get a voucher worth up to £5 ^{^} , a Free Days Out pass worth £180, and much more.

Just sign up to our free SuperSaveClub ^{^} before you buy your travel policy.

💡 Top tip: Looking for travel insurance for another destination? Check out our travel insurance destination guide hub .