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Chiang Mai Travel Insurance: A Comparison Of The Top Providers

The top providers of travel insurance in Chiang Mai, and all of Thailand, are Luma Health, AXA, MSIG, IMG, Geoblue, and MSH International. Each specializes in different benefits, whether they be medical benefits, COVID-19 insurance, or baggage coverage.

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As an insurance broker, Pacific Prime partners with each of these providers and can assist you in choosing the best provider and customized benefits for your coming trip to Chiang Mia, Thailand.

In this article, we will compare the benefits, premiums, and underwriting conditions of these top travel insurance providers.

Afterward, you’ll also value our article on the 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.

Top Travel Insurance Providers For Chiang Mai, Thailand

The top travel insurance providers that provide coverage in Chiang Mai, Thailand are Luma Health, AXA, MSIG, IMG, Geoblue, and MSH International. Travelers heading to Thailand should compare the plans offered by each company and get free quotes before they pick one.

Daytime Thailand: Red & White Ship Stand

To compare quotes from these companies, head to this travel insurance quote page and this travel insurance quote page.

Pacific Prime partners with each of these companies and can help you compare their similarities and differences. We will ultimately give you professional advice about which provider is best for your individual situation.

To hear our free counsel, reach out to us with a message, and we’ll get back to you promptly.

Luma Health’s Luma Thailand Pass

The insurance provider, Luma Health, has a travel insurance plan called Luma Thailand Pass for travelers going to Chiang Mai and anywhere else in Thailand. Travelers can choose between the Lite Plan or Plan 1 to get coverage from USD $10,000 to USD $50,000.

The Luma Thailand Pass does include coverage for COVID-19.

For a trip departing from the United States to Thailand for 14 days, the estimated quote is USD $40 for the Lite Plan and USD $80 for Plan 1. The following chart shows the estimated coverage benefits and amounts for the Luma Thailand Pass for a 14-day trip.

Luma Thailand Pass:

Estimate Amounts in USD

Coverage Benefit: Lite Plan Plan 1
Estimated Insurance Premium $40 $80
Death, Dismemberment, Loss of Sight, or Total Permanent Disability from Accident $14,240 $14,240
Medical Expenses from Sickness or Accident $9,970 $19,940
Emergency Medical Evacuation or Repatriation to Country of Domicile $14,240 $14,240
Repatriation of Mortal Remains to Country of Domicile $14,240 $14,240
Expenses for Visiting the Patient in the Hospital $712 $712
Loss or Damage of Travel Documents $71 $71
Public Liability (Deductible of USD $28  per claim) $24,210 $24,210

The underwriting conditions for the Luma Thailand Pass for a trip to Chiang Mai (or any destination in Thailand) include:

  • The insured must be:
    • Between the ages of 1 and 75
    • In good health
    • If a minor is under the age of 18, their parent or guardian must sign for them
  • Travel within 14 days is still subject to the minimum premium price. 
  • Only one policy can be purchased per person.

To read all of the underwriting conditions, see the specific inclusions and exclusions, see an estimated price for your exact travel dates, and purchase a plan, please get a free Luma Health quote today!

AXA Sawasdee

Insurance provider AXA has an AXA Sawasdee travel insurance plan for travelers and expats who enter Thailand, including Chiang Mai. Travelers who are 1 – 74 years old may qualify. Coverage does not cover travel to, through, or in Pattani, Yala, and Narathiwat provinces.

Applications for the AXA Sawasdee travel insurance plan can take 2-4 days to process, or less, and there is no waiting period or deductible. AXA Sawasde includes coverage of the period of alternative quarantine, Safety and Health Administration plus hotels, and the Sandbox Program.

The below chart shows some highlights from the AXA Sawasdee plan. To see all of the inclusions and exclusions, and to get an accurate quote estimate for your travel dates, get a free quote today

AXA Sawasdee:

Estimate Amounts in USD

Coverage to meet the Thai Government requirements for foreign visitors $50,000 and/or $100,000 on an annual limit
Medical Expenses, including COVID-19 $50,000
Insurance certificate stating the insured has COVID-19 coverage Included
Personal Accidents $28,500

The underwriting conditions for the AXA Sawasdee travel insurance plan for a trip to Chiang Mai (or any destination in Thailand) include:

  • It must be purchased before you arrive in Thailand
  • You must not be traveling to Thailand for medical treatment
  • Coverage will begin after you clear immigration in Thailand and it will end as soon as you leave Thailand
  • Coverage does not resume if you re-enter Thailand after leaving
  • Each individual can only purchase one policy

MSIG Inbound Basic

Insurance provider MSIG offers an MSIG Inbound Basic travel insurance plan for travelers heading to Thailand, including Chiang Mai. Premiums begin at $29 for 30 days of coverage. You may qualify if you’re aged 15 days to 99 years old. There is a 7-day waiting period.

In the following chart, you can see the COVID-19 coverage amount included in the MSIG Inbound Basic plan. To see the full inclusions and exclusions, please contact us at Pacific Prime.

MSIG Inbound Basic:

Estimate Amounts in USD

Estimated Insurance Premium Starting at $29
Inpatient coverage for illness caused by COVID-19 $57,000 per policy year

The acceptance conditions for the MSIG Inbound Basic travel insurance plan for travelers headed to Chiang Mai and all over Thailand are:

  • The insured must be a Non-Thai citizen
  • Coverage must be purchased before entering Thailand
  • Only one policy can be purchased per traveler
  • Coverage begins after you’ve gone through immigration in Thailand

IMG Globehopper

The British provider IMG has a travel insurance plan called IMG Globehopper that provides travel medical insurance for Thailand travelers, including in Chiang Mai. You can choose between several maximum amounts of coverage from USD $100,000 to $1,000,000. The minimum length of coverage is 30 days.

An IMG Globehopper premium can be as low as USD $48. This quote example is for a 30-year-old female who is in Thailand for 14 days. This scenario is for worldwide coverage, excluding the USA, with a maximum limit of USD $100,000 and an excess of USD $500.

To customize your dates, age, and overall traveling situation, get a free travel insurance quote from IMG Globehopper. Click “Buy Online Now,” and you can get a quote without checking out.

IMG Globehopper:

Estimate Amounts in USD 

Excess Maximum Limit

$100,000

Maximum Limit

$250,000

Maximum Limit

$500,000

Maximum Limit

$1,000,000

$0 $67 $80 $93 $106
$100 $59 $70 $82 $94
$250 $53 $64 $74 $85
$500 $48 $58 $67 $76

The “excess” is the deductible, the amount of medical expenses the insured will be expected to pay before the insurance plan kicks in and pays the remaining eligible expenses.

When you purchase the plan, you choose the amount of excess you’d like to pay in the event you need medical treatment in Thailand. You also select the maximum limit of coverage you want, and that will determine the premium cost to buy your plan.

Geoblue Voyager Choice

Insurance provider Geoblue has a single-trip travel insurance plan called Voyager Choice with international coverage for up to 182 days. This plan covers travelers in Thailand, including Chiang Mai, and it is a comprehensive plan that covers pre-existing medical conditions. 

Premium prices for the Geoblue Voyager Choice plan begin as low as $20. This scenario is for a 30-year-old female traveling to Thailand for 14 days with a maximum coverage of USD $50,000 and a $500 deductible. This plan covers pre-existing conditions.

Daytime Thai Street: Cars Near Buildings

The following chart shows you the changes in price as you adjust the maximum limit covered and the deductible for the above traveler prototype.

To select your own travel dates, age, and traveling needs, get a free Geoblue travel insurance quote. Click “Buy Online Now,” and you can get a quote without checking out. When you get your quote, you can also see the full inclusions and exclusions in the plan.

Geoblue Voyager Choice:

Estimate Amounts in USD 

Deductible Maximum Limit

$50,000

Maximum Limit

$100,000

Maximum Limit

$500,000

Maximum Limit

$1,000,000

$0 $28 $31 $34 $35
$100 $25 $27 $31 $31
$250 $22 $25 $29 $29
$500 $20 $22 $27 $28

MSH International

MSH International is a French insurance provider that has a travel insurance plan. This expat starter travel and medical insurance plan is for travelers heading to Thailand, including Chiang Mai. The average plan costs around USD $83 and offers coverage up to USD $273,000 for medical fees.

A USD $83 MSH International quote estimate is for a 30-year-old traveling to Thailand for 14 days. It includes worldwide coverage, excluding the USA. The chart below shows some of the coverage benefits and their estimated amounts.

To enter your own trip dates, age, and travel needs, get a free MSH travel insurance quote. Click “Buy Online Now,” and you can get a quote without checking out. When you get your quote, you can also see the full inclusions and exclusions in the plan.

MSH International:

Estimate Amounts in USD

Estimated Insurance Premium $83
Coverage Benefit: Amount Covered:
Death from Accident $10,900
Medical Expenses from Sickness or Accident $273,000
Emergency Medical Evacuation or Repatriation to Country of Domicile 100% of actual fees
Repatriation of Mortal Remains to Country of Domicile 100% of actual fees
Expenses for Visiting the Patient in the Hospital Round trip ticket + up to $1,600
Loss or Damage of Travel Documents $2,500
Public Liability (Deductible of USD $87  per claim) $109,300
Lost, Stolen, Damaged, or Delayed Luggage Total coverage for your luggage

Conclusion

We’ve compared the top travel insurance providers and their plan benefits and premiums. You will find value in our article about the best travel insurance in Bangkok as it follows the same format as this article and introduces the insurance companies more deeply.

Also, check out inbound travel insurance in Thailand and the 5 best worldwide travel insurance companies.

If you plan to stay in Thailand for longer than a travel insurance plan can cover you, check out your health insurance options in Thailand so you can stay covered for the full duration of your travels.

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.
Jantra Jacobs
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