Best Travel Insurance Plans for Thailand
Product |
Medical expenses |
COVID-19 medical expenses |
Travel cancellations |
Baggage delay |
Extreme sports and adventure cover |
Premiums |
Apply |
|---|---|---|---|---|---|---|---|
AIG Travel Guard® Direct - Supreme
|
Up to S$2,500,00
|
Up to S$250,000
|
Up to S$15,000
|
Up to S$1,400
|
Up to S$1,500 add-on golf baggage coverage and up to S$1,000 add-on golf hire equipment coverage
Up to S$1,500 add-on scuba diving equipment hire coverage Up to S$500 add-on snow equipment coverage and up to S$250 add-on snow equipment hire coverage |
From S$38
|
|
Allianz Travel Insurance Platinum Plan
|
Up to S$1,000,000
|
Opt for COVID-19 add-on
Same coverage with medical expenses
|
Up to S$15,000
|
Up to S1,400
|
Up to S$5,000 sports equipment coverage
|
From S$50
|
|
MSIG Premier Plan
|
Up to S$1,000,000
|
Up to S$250,000
|
Up to S$15,000
|
Up to S$1,500
S$250/6h |
Up to S$1,500 for damaged, lost or stolen golf equipment
|
From S$50
|
|
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FWD First
|
Up to S$1,000,000
|
Available as a rider
Up to S$200,000 |
Up to S$15,000
|
Up to S$900
S$150/6h
|
Opt for equipment protector add-on
Up to S$2,000 for sports equipment |
From S$25.20
|
|
Tiq Travel Luxury
|
Up to S$1,000,000
|
Opt for COVID-19 add-on
Up to S$500,000 |
Up to S$200
S$100/6h |
Opt for equipment protector add-on
Up to S$4,000 for sports equipment |
Opt for equipment protector add-on
Up to S$4,000 for sports equipment |
From S$31
|
|
Starr TraveLead Gold Plan - Southeast Asia (Annual)
|
Up to S$1,000,000
|
Up to S$100,000
|
Up n to S$15,000
|
Up to S$1,200
S$100/6h |
Option add-on for scuba diving, snow sports or golf protection
Up to S$500 add-on ski equipment hire coverage Up to S$1,500 add-on scuba diving equipment hire coverage Up to S$1,000 add-on golf equipment hire coverage |
From S$32.40
|
|
Singlife Travel Prestige
|
Up to unlimited coverage
|
Up to S$200,000
|
Up to S$20,000
Up to S$5,000 for any reason |
Up to S$2,000
S$200/6h |
Up to S$2,000 golf equipment coverage
Up to S$3,000 winter sports equipment coverage Up to S$3,000 water sports equipment coverage |
From S$37.12
|
*Based on a 5-day trip to Thailand
Best value-for-money: FWD Travel Insurance
If you’re someone who believes in “some coverage better than no coverage” and prioritises low-cost, FWD Travel Insurance might be up your alley. The plans start from S$25.20 for a 5-day trip to Thailand, proving to be the cheapest out of the lot. However, if you compare the coverage, it doesn't pale in comparison. For overseas medical coverage, they offer up to S$1,000,000 in claims, while the coverage for trip cancellation is also very decent, with up to S$15,000.
The only downside is that the plan doesn’t come with COVID-19 coverage, but it comes as an add-on rider at S$10 (for a 5-day trip to Thailand). It offers up to S$200,000 for medical expenses due to COVID-19, an overseas quarantine allowance of S$50 per day for up to 14 days, and trip disruption up to S$5,000.
Aside from it being value-for-money, it also has a seamless claim system and efficient customer service where you can easily submit your claims easily on the FWD SG App and request assistance if you need any help.
SingSaver's Exclusive FWD Promotion: Receive 1x Airalo eSim with up to 3GB data when you apply now (minimum premium of $60). Valid till 31 October 2023. T&Cs apply.
Additionally, enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.
Best for comprehensive coverage: Singlife Travel Insurance
Those looking for the most comprehensive travel insurance can look to Singlife for its best all-rounded policy that offers high coverage even for unique circumstances like loss of bridal accessories, rainfall and trip cancellation for any reason.
Offering the up to unlimited medical expenses covered if you purchase their Travel Prestige plan, Singlife is one of the few insurers that cover such a high amount. Their travel cancellation coverage is up to S$15,000, while trip cancellation for any reason coverage is up to S$5,000 for Travel Plus and Travel Prestige Plans.
This means that you can easily cancel because of a conflicting event, have changed your travel plans or simply don’t feel like going anymore. However, you have to purchase your policy within 7 days of your flight purchases or hotel bookings for them to qualify for a claim.
They also have a nifty coverage of rainfall coverage of up to S$150 if it’s more than 6.4mm in a 24-hour period, should it affect your itinerary. On top of that, it also covers sports like white water rafting, jetski-ing and kayaking — perfect if you’re trying such sports overseas.
The plan comes with COVID-19 coverage, offering up to S$200,000 for overseas medical expenses.
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Singlife Travel Insurance Promotion: Score an Airalo eSIM with up to 3GB data and receive it before you fly when you apply now! Valid till 30 Sep 2023. T&Cs apply.
Additionally, enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.
Single Trip: Enjoy a 25% discount when you use the promo code TRAVEL25. Valid till 30 Sep 2023. T&Cs apply.
Best for COVID-19 coverage and adventure sports equipment cover: TIQ Travel Insurance
TIQ also stands out for its high COVID-19 coverage and adventure sports cover. Offering up to S$500,000 coverage for COVID-19-related medical expenses, you’ll be able to have a peace of mind knowing that COVID-19 is sufficiently covered for if you get it during or before your trip. It also Covers up to $5,000 on non-refundable costs for cancelling or postponing your trip 14 days before your departure date.
However, do note that COVID-19 coverage is only available as an add-on, from S$14 (for a 5-day trip to Thailand). But for quite decent coverage, we think it’s quite worth the extra money.
If you’re planning on going for adventure sports, you’ll be thrilled to know that there’s an optional sports equipment cover for up to S$4,000 for equipment like golf clubs, diving gear, fishing equipment, bicycle(s), ski equipment, snowboards and climbing gear.
See also:
Best Covid-19 Travel Insurance Plans (2023)
Is Travel Insurance With COVID-19 Coverage Still Necessary?
SingSaver's Exclusive TIQ Travel Insurance Promotion:
Single Trip: Use the promo code TIQSINGSAVER to get 40% off. T&Cs apply. Valid till 30 Sep 2023. T&Cs apply.
Annual Trip: Use the promo code TIQSINGSAVER to enjoy a 60% discount on your COVID-19 add-on when you apply. Valid till 30 Sep 2023. T&Cs apply.
Plus, till 30th September, every 58th sign up scores a Samsonite Volant Spinner 68/25 EXP worth S$480. Additionally, enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.
Plus, new customers get additional S$30 off on top of the discount with voucher code FREETRAVEL. Valid till 30 Sep 2023. T&Cs apply. Additionally, stand to win S$3,000 in TIQ Travel Insurance Monthly Lucky Draw Campaign 2023 (Fulfillment by TIQ). Valid till 31 Dec 2023. T&Cs apply.
Key in the promo code under the coupon code section on the next page after selecting your destination and dates. The prices shown are before discounts.
Receive coverage for trip cancellations, medical expenses, and more when you purchase the COVID-19 Rider. T&Cs apply.
Important travel insurance coverage for Thailand
Medical expenses (water sports and adventurous activities)
|
What adventurous sports does it cover?
|
Sports equipment protector
|
|
|
AIG Travel Guard
|
Covers sports like white water rafting, skiing, snowboarding etc
|
Up to S$1,500 add-on golf baggage and up to S$1,000 add-on golf hire equipment
Up to S$1,500 add-on scuba diving equipment hire Up to S$500 add-on snow equipment coverage and up to S$250 add-on snow equipment hire coverage |
|
Allianz
Travel Insurance
|
Covers sports like scuba diving, skiing and other snow sports, hiking, trekking, jetskiing, and white water rafting.
|
Up to S$5,000 sports equipment coverage
|
|
MSIG TravelEasy
|
Covers sports like bungee jumping, tandem sky diving, tandem paragliding, hot air ballooning, jet-skiing, white-water rafting, diving, tobogganing,
dogsledding, ice skating etc
|
Up to S$1,500 for damage, lost or stolen golfing equipment
|
|
FWD Travel Insurance
|
Covers sports like skiing, jet-skiing, scuba diving and extreme sports like white water rafting, hot air ballooning, bungee jumping etc
|
Up to S$2,000 sports equipment protector as an optional add-on
|
|
TIQ Travel Insurance
|
Covers sports like skiing, snowboarding, scuba diving and adventure sports like bungee jumping, paragliding, hot-air ballooning
|
Up to S$4,000 sports equipment protector as an optional add-on
|
|
Starr TraveLead
|
Optional add-on for scuba diving, snow sports or golf protection
|
Up to S$500 add-on ski equipment hire coverage
Up to S$1,500 add-on scuba diving equipment hire coverage Up to S$1,000 add-on golfing equipment hire coverage |
|
Singlife Travel Insurance
|
Covers winter sports like skiing, snowboarding, and sledging, water sports like diving, white water rafting, jet-skiing, kayaking etc, as an optional cover
No cover for extreme sports like bungee jumping, parachuting etc
|
Up to S$2,000 golf equipment coverage, up to S$3,000 winter sports equipment coverage and up to S$3,000 water sports equipment coverage
|
Medical expenses coverage is a must-have regardless of where you go for your trip and not just Thailand. However, you’ll have to be sure that it covers activities that you’re thinking of participating in, including water sports, winter sports and adventurous activities. Some of these include kayaking, white water rafting, ATV rides, kayaking, jet skiing and more.
Depending on which part of Thailand you’re visiting, there’s a high chance you might do one of the above activities if you and your travel buddies are avid adventure-seekers — besides, places like Phuket and Krabi are great places to participate in all sorts of adventurous activities like these!
This is why checking on what the travel insurance policy covers is very important, as certain policies and insurers specifically exclude such adventurous sports from their coverage. However, there are quite a number that do!
On top of that, certain travel insurance policies also offer sports equipment coverage for bicycles, golf clubs, skis etc, great for those who are bringing their own valuable equipment overseas.
See also: Best Travel Insurance Singapore for Adventure Seekers
Loss of belongings
Depending on which area of Thailand you’re travelling to, many of these places are known for their high cases of pickpocketing. Be it you get pickpocketed, you accidentally misplace your valuables or have them damaged, getting sufficient coverage for your loss of belongings is extremely important and will help you have a peace of mind.
This is especially so for those bringing their laptops for work, or camera and equipment for professional photography, as travel insurance plans do cover for these too!
Considering to go to Thailand for your pre-wedding photoshoot? Not to worry, some travel insurance plans also do cover for loss of bridal clothing, accessories, and even your wedding album!
Read these next:
The Best Travel Insurance For Your Phones
The Best Travel Insurance For Your Laptops
The Best Travel Insurance for Your Camera Equipment
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