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How To Get Travel Insurance For Thailand: 7 Steps For Travelers

There are 7 easy steps for travelers to get travel insurance before heading to Thailand. Steps 1-3 are when tourists decide what types of coverage they need. Steps 4-5 are about consulting experts and reliable quote generators. Step 6-7 is when travelers finally apply and enjoy their benefits.

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Are you a traveler, tourist, or expat traveling to Thailand soon? Let us teach you 7 simple steps to securing travel insurance. As an international insurance broker with over 20 years of experience, Pacific Prime knows how to help!

You may also want to learn about other insurance plans available to you in Thailand, such as expat health insurance and retiree plans.

Steps for Thailand Travelers to Get Travel Insurance

The first step for travelers to get travel insurance to Thailand is to determine your travel plans. Step two is to learn what travel insurance can cover. Step three is to decide if travel insurance is worth it for your unique situation. See our full 7-step process below.

Scenic Bangkok, Thailand

Travelers, expats, digital nomads, and retirees heading to Thailand may all benefit from the following steps:

  1. Determine Your Thailand Travel Plans
  2. Learn What Thailand Travel Insurance Plans Cover
  3. Determine Your Likelihood of Benefiting from Travel Insurance
  4. Compare Travel Insurance Quotes from Top Thailand Providers
  5. Consult an Insurance Expert About Your Options
  6. Apply for a Travel Insurance Plan for Thailand
  7. Enjoy your Thailand Travels with Peace of Mind

Let’s discuss each step in greater detail.

Step 1: Determine Your Thailand Travel Plans

Before you can really begin to get travel insurance to insure your trip to Thailand, you need to plan your trip. It’s important to know things like the start and end date of your trip, how you will be traveling there, and how much traveling you’ll be doing in Thailand after you’ve arrived.

Each of these key bits of information about your Thailand trip will affect your travel insurance, how much it costs, and what you need coverage for. For this reason, travelers and tourists need to first decide what their travel plans to Thailand are.

Here’s a more comprehensive list of travel plans you need to decide before you can get travel insurance:

  1. The start and end date of your trip
  2. How many flights it will take you to get to Thailand and get home
  3. What other forms of transportation you will use to get to Thailand or inside the country once you get there
  4. The season of the year you will travel to Thailand, such as flood season
  5. If you’re going to rural areas of Thailand
  6. What other events are happening in your schedule around the time of your Thailand trip, either before or after
  7. If you’re going with your family, a large group, a company, or by yourself
  8. How much baggage you are going to need for this trip
  9. If this trip requires you to take any expensive or personally valuable belongings

After you’ve planned your trip, you’re ready to move on to step 2.

Step 2: Learn What Thailand Travel Insurance Plans Cover

Travelers to Thailand should learn what types of travel insurance plans there are and what they generally cover. Gaining this knowledge will help you determine in the next step if you feel like coverage would be valuable for this specific trip to Thailand.

To learn more about travel insurance plans, check out credible insurance websites that can give you accurate information, such as our website at Pacific Prime.

Here is a list of the most common forms of coverage included with travel insurance to Thailand:

  1. Trip Cancellation
  2. Trip Delay
  3. Trip Interruptions
  4. Missed Connections (for flights and other forms of transportation; can be the result of natural disasters, such as a Thailand flood)
  5. Lost, Stolen, or Damaged Belongings (luggage and personal items)
  6. Lost or Damaged Travel Documents (such as IDs and passports)
  7. Personal Liability
  8. Emergency Medical Care and Dental Care
  9. Emergency Evacuation and Repatriation
  10. Accidental Death and Dismemberment

Here are some pages worth reading to help you get a further idea of what travel insurance covers:

Step 3: Determine Your Likelihood of Benefiting from Travel Insurance

Travelers headed to Thailand need to consider their unique situation and plans for their upcoming trip to determine how likely it is they would benefit from travel insurance. It may not be necessary for every trip, but it could save you thousands of dollars or more for trips gone horribly wrong. 

You may be asking yourself, is it worth it to get travel insurance when traveling to Thailand? The answer all depends on you and your trip.

So let’s put together the Thailand trip plans you made in Step 1 with the types of travel insurance coverage you learned in Step 2 by asking yourself these questions:

  1. Is it very likely I will need to delay, interrupt, or cancel this trip due to other events in my life (such as work or school) or the needs of my close loved ones?
  2. Do I have connecting flights for my travels? How about for my other forms of transportation?
  3. Are these connections close enough that I may miss my later flights?
  4. Am I traveling during a season of the year when weather conditions or natural disasters in Thailand may interrupt or delay my travels, both to the country and inside it?
  5. Do I plan to check baggage at the airport?
  6. Do I need to take a laptop, iPad, jewelry, a camera, or anything else highly valuable and expensive?
  7. Do I plan to take an item that has deep emotional value to me?
  8. Am I concerned about losing my ID, passport, and other travel documents while I travel?
  9. Based on my trip plans and destinations, am I concerned about someone filing a claim against me (that could be covered by personal liability)?
  10. Do I plan to do anything dangerous, reckless, or considered an extreme sport that could cause a serious injury to myself or others?
  11. Do I plan to travel to a remote area in Thailand, such as Nan, Koh Lanta, and Isan, that doesn’t have local hospitals or access to emergency medical equipment and physicians?
  12. Do I have pre-existing health conditions that increase my likelihood of having an emergency that needs immediate medical attention in a country where I don’t have health insurance coverage?
  13. Am I traveling with my family and want health coverage for my family or am I traveling by myself?

If you answered yes to one or more of these questions, travel insurance may be worth it for this Thailand trip, but that decision really is up to you.

Step 4: Compare Travel Insurance Quotes from Top Thailand Providers

Next, you’ll want to compare travel insurance quotes from the top Thailand insurance providers. These providers include Luma, AXA, and MSIG. Getting a free insurance quote can help you see coverage inclusions available, the different add-ons available, and how much your premiums may cost.

Thai Commuters At Train Station

We always recommend comparing quotes from multiple companies to guarantee you have a wider understanding of the insurance market and which plans will fit your budget.

As a brokerage, Pacific Prime partners with each of these companies (and more!) and is able to compare their quotes for you and negotiate your plan on your behalf.

Here, you can get free Thailand travel insurance quotes from Luma, AXA, and MSIG. You can also get free travel insurance quotes here from top providers that cover other countries in the world.

If you want additional health coverage while you’re in Thailand, you may want to check out these Thailand health insurance providers that Pacific Prime partners with.

Step 5: Consult An Insurance Broker About Your Options

After you’ve reviewed some insurance quotes, it’s time to consult an insurance broker who knows the market and knows Thailand. An insurance broker is not loyal to any one insurance company, but instead works for the customer purchasing insurance. This means they provide unbiased advice.

Pacific Prime is an insurance broker with over 20 years of experience helping our clients secure travel insurance and health insurance around the globe. We want to help you find the right plan and the right insurance company that fits your needs so you can travel confidently.

Here are some benefits of consulting an insurance broker before choosing your travel insurance plan:

  • We have comprehensive knowledge of international travel and health insurance
  • We provide free insurance advice and planning
  • We provide a wide range of insurance solutions since we aren’t tied to a single insurance company
  • We have strong relationships with the top insurance providers, so we can help you find the best plans
  • We know the local insurers in any given country, including Thailand
  • We value our customers and go above and beyond to secure your plan since we can help you file claims down the road and renew your plan when the policy ends

If you have questions about anything you’ve read in this article so far, or if you’d like to learn more about how a broker can serve you, please send us a message and we’ll answer any and all of your questions without pressure for you to decide anything yet.

Step 6: Apply for a Travel Insurance Plan for Thailand

After you’ve completed these steps, you’re ready to apply for a travel insurance plan through Pacific Prime. It only takes a few minutes. Most companies have an application you can fill out online, or you can call the provider and complete it over the phone. After that, you’re ready to fly!

Ao Nang Beach, Krabi, Thailand

Before you apply, you may want to consider following these travel insurance tips.

If you’d like to apply for travel insurance through Pacific Prime, you can use these methods:

  1. Buy online through this travel insurance page (for travel insurance around the globe)
  2. Buy online through this travel insurance page by getting a quote and then applying (for travel insurance specifically in Thailand)
  3. By contacting us through a message, an email, or a phone call

Step 7: Conclusion – Enjoy your Thailand Travels with Peace of Mind

Now you’re all set and ready to travel to Thailand with the peace of mind that you’re covered in the event your trip plans get frustrated. You may want to know the answer to this question before you go: does Thailand require travel insurance?

It is also worth your time to learn more about the health insurance plans in Thailand for travelers and expats.

To keep it simple for you, here is our free insurance quote generator that can give you quotes for travel insurance and health insurance for a variety of coverages and for nearly every country in the world!

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