Best COVID Travel Insurance In Thailand For Travelers

The best COVID-19 travel insurance providers for travelers going to Thailand are LUMA, AXA, MSIG, Geoblue, and MSH International. These companies have excellent policies and top-notch support. Their COVID-19 coverage plans are affordable, reliable, and flexible.

Are you a traveler heading to Thailand, but you want to make sure you have COVID-19 coverage in your travel insurance plan? Look no further! Pacific Prime works with the best travel insurance providers, and we’ve written this article to introduce you to companies with COVID-19 coverage.

We will introduce each insurance provider, their COVID-19 benefits, ways to learn more about their plans, where you can get free quotes to compare their costs, and we end with a Frequently Asked Questions section.

Afterward, you’ll find value in our article Best Travel Insurance in Thailand. This is the core article in our Thailand travel insurance series, and it will direct you to all the articles we have on the topic.

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The Top Travel Insurance Providers With COVID Coverage

The best travel insurance providers that have COVID coverage in Thailand are LUMA, AXA, MSIG, Geoblue, and MSH International. Travelers going to Thailand should compare the policy differences from each of these providers to learn their nuances and secure the right coverage they need.

In the following section, we will go into detail about the COVID-19 benefits and inclusions for each of these top providers.

LUMA Thailand Pass: Thailand Travel Insurance with COVID-19 Coverage

The Luma Thailand Pass provides coverage in Thailand for medical expenses caused by sudden and unforeseeable injuries by accident or illness, including COVID-19. Coverage starts at USD $10,000. LUMA Thailand Pass only covers medical treatments that are deemed medically necessary.

If an insured member tests positive for COVID-19 but is not showing symptoms, or only has mild symptoms, they no longer need to quarantine (per the Thai Ministry of Public Health) and will likely not require medical treatment.

An insured member’s COVID-19 medical expenses will only be covered if treatment is medically advised and referred by a medical professional. If this is the case, their quarantine expenses will be covered.

To review, LUMA Thailand Pass provides the following COVID-19 coverage:

• Starting at USD $10,000 of medical coverage, including COVID-19, for medically necessary treatments
• You receive an official certificate demonstrating that you have COVID-19 coverage through the LUMA Thailand Pass

To learn more about what this policy covers, see our website page about LUMA Health and read this article that compares the top Thailand travel insurance providers.

To get a free quote for the LUMA Thailand Pass, go here.

AXA Sawasdee: Thailand Travel Insurance with COVID-19 Coverage

AXA has an AXA Sawasdee Thailand travel insurance plan that has COVID-19 coverage, in addition to accident and illness medical coverage. Medical expenses are covered up to about USD $50,000 for Plan 1 and Plan 2. Travelers can choose the plan that meets their needs.

AXA Sawasdee Thailand may not provide coverage for quarantine or isolation expenses. You should verify what your specific plan states about this.

To review, AXA Sawasdee Thailand provides the following COVID-19 coverage:

• Covering up to about USD $50,000 of medical expenses for accident or injury, including COVID-19
• You receive an official certificate demonstrating that you have COVID-19 coverage through the AXA Sawasdee Thailand plan

To learn more about what this policy covers, see our website page about AXA Thailand and read this article that compares the top Thailand travel insurance providers.

To get a free quote for the AXA Sawasdee Thailand plan, go here.

MSIG Inbound Basic: Thailand Travel Insurance with COVID-19 Coverage

MSIG has an Inbound Basic travel insurance plan with COVID-19 coverage for travelers going to Thailand. This provides coverage up to about USD $57,000 for medical expenses as an inpatient in the hospital due to COVID-19. This is limited to each policy year.

To review, MSIG Inbound Basic provides the following COVID-19 coverage:

• Up to about USD $50,000 of inpatient medical expenses caused by COVID-19

To learn more about what this policy covers, see our website page about MSIG and read this article that compares the top Thailand travel insurance providers.

To get a free quote for the MSIG Inbound Basic plan, go here.

Geoblue Voyager Choice And Trekker Choice: COVID-19 Coverage

Geoblue offers their Single Trip Voyager Choice and Multi-Trip Trekker Choice travel insurance plans for Thailand travelers. All of Geoblue’s plans cover medically necessary services for COVID-19. This includes tests, diagnosis, and treatments. Voyager Choice has additional COVID-19 coverage.

In addition to coverage for tests, diagnosis, and treatments, the Voyager Choice travel insurance plan provides as much as USD $50 per day of quarantine, up to 10 days.

These plans cover travelers internationally, which includes those going to Thailand.

It is important to clarify that Geoblue only covers COVID-19 services that are deemed medically necessary in both their Voyager Choice and Trekker Choice plans. COVID-19 is covered as an illness under members’ policies.

To review, Geoblue Voyager Choice and Trekker Choice plans provide the following COVID-19 coverage benefits:

• Options to get medical coverage up to USD $50,000, $100,000, $500,000, or $1,000,000, which includes treatment of COVID-19 as an illness
• Coverage for all tests, diagnoses, and treatments for COVID-19 that are medically necessary
• Medical evacuation due to COVID-19 that is considered medically necessary by the local physician
• Voyager Choice plan also includes coverage for quarantine expenses for $50 per day, up to 10 days

COVID-19 vaccines and boosters are not covered by these travel insurance plans.

To learn more about what this policy covers, see our website page about Geoblue and read this article that compares the top Thailand travel insurance providers.

To get a free quote for the Geoblue travel insurance plans, go here. Click on “buy online now,” and you can get a free quote without needing to checkout.

MSH International: Thailand Travel Insurance with COVID-19 Coverage

MSH International offers a travel insurance plan for travelers going to Thailand with coverage up to about USD $273,000. COVID-19 treatments and tests are included in this coverage as an unforeseeable illness. If deemed medically necessary, medical and surgical hospitalization is insured.

COVID-19 treatments are covered by a variety of MSH International travel insurance plans like any other medical condition, so you should refer to the specific limitations defined in your policy to see how much of your costs are insured.

To review, MSH International plans provide the following COVID-19 coverage benefits:

• Testing and treatments for COVID-19 are covered as an unforeseeable illness by MSH International’s travel insurance plan so long as they are medically prescribed and medically necessary
• Medical evacuation is covered for COVID-19 in the event it is considered a life-threatening medical condition in a country that is unable to treat the patient
• Room and board fees, medical procedures, consultations, examinations, laboratory tests, drugs, ambulance costs, and any other cost related to hospitalization is covered

MSH International answers questions about their COVID-19 coverage here.

To learn more about what this policy covers, see our website page about MSH International and read this article that compares the top Thailand travel insurance providers.

To get a free quote for the MSH International travel insurance plan, go here. Click on “buy online now,” and you can get a free quote without needing to checkout.

Frequently Asked Questions

Does travel insurance cover you if you get sick with COVID?

Some travel insurance providers will cover you if you get sick from COVID-19 while traveling abroad. This depends on whether or not your COVID services are deemed medically necessary by a physician and if your policy includes COVID coverage. Make sure to pick a provider who does cover COVID.

What is COVID covered under in travel insurance?

Some insurance providers consider COVID-19 an “unforeseeable illness” and will cover your medical costs as it would any other illness or injury. But some insurance providers have now deemed COVID-19 a “foreseeable illness” and will not cover it. Be familiar with your policy before purchasing.

Does travel insurance cover medical evacuation due to getting COVID?

Some travel insurance companies have plans that cover medical evacuation due to serious COVID-19 complications. This is the case with travel insurance offered by Geoblue and MSH International. Not every insurance provider will include this so be familiar with your plan before you buy.

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Conclusion

The top travel insurance providers for Thailand travelers are LUMA, AXA, MSIG, Geoblue, and MSH International. They all include COVID-19 coverage. You will need to review the specifics of each plan before signing any contract so you know exactly how COVID-19 is covered in that policy.

If you need more than travel insurance, learn about your Thailand health insurance options.

Pacific Prime has partnered with all of these top insurance providers and is here to help you decide which provider and which plan is right for you. Since we are a third-party broker, we will not guide you toward any one insurer, but instead, we will guide you to finding your best fit.

To compare these providers, their plans, and quotes, and to answer any other questions you may have about your Thailand travel insurance, talk with a Pacific Prime insurance expert today. It’s easy to send us a message, and we’ll get back to you promptly with seasoned advice!

Further Reading: Check out the following articles about Thailand travel insurance!

• Inbound Travel Insurance for Thailand Travelers and Expats
• Schengen Visa Travel Insurance for Thailand Travelers

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Jantra Jacobs

Senior Copywriter at Pacific Prime

Jantra Jacobs is a Senior Copywriter at Pacific Prime with over 10 years of writing and editing experience. She writes and edits a diverse variety of online and offline copy, including sales and marketing materials ranging from articles and advertising copy to reports, guides, RFPs, and more.

Jantra curates and reports on the results of Pacific Prime’s monthly newsletters, as well as manages Pacific Prime’s Deputy Global CEO’s LinkedIn posts. Complemented by her background in business writing, Jantra’s passion for health, insurance, and employee benefits helps her create engaging content - no matter how complex the subject is.

Growing up as a third-culture kid has given her a multicultural perspective that helps her relate to expats and their families while 8 years of working remotely have given her unique insight into hybrid work arrangements and enthusiasm for employee benefits.

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