Grab the Right Travel Insurance for Your Thailand Trip

Deborah Gan

Deborah Gan

Last updated 07 March, 2024

Planning for a trip to Thailand soon? Find out what comes down to a good travel insurance policy and which are the cheapest in the market!

Are you planning your next holiday adventure and looking for the best travel insurance? Maybe you’ve already considered India, Philippines, Bali and decided instead to have the time of your life in Thailand.

Will it be to the big city of Bangkok or the sandy beaches of Krabi and Phuket? Either way, you’ll definitely need travel insurance, preferably one that covers water activities (if you’re doing them of course).

We’ve done the research ahead of time and found the best travel insurance plans for Thailand!


SingSaver's Most Recommended Travel Insurance Products: Apply today to enjoy comprehensive coverages at affordable premiums, irresistible sign-up offers, and the ultimate peace of mind during your travels.

Product Best for Key coverages Promotion
Allianz Travel Hero
[Lowest price in Singapore guaranteed]
logo-allianz-travel

 

High coverage per dollar - Up to S$500,000 for overseas medical expenses

- Up to S$150,000 accidental death and total and permanent disability

- Up to S$15,000 travel cancellation

- Up to S$3,000 flight delay (S$400 for daily receipts limit, min 6h)

- Up to S$3,000 loss of baggage

Buy now to receive a Complimentary lounge access during flight delays. Valid till 30 September 2024 5:30 pm. 


Exclusive on SingSaver only.

FWD Travel Insurance
[Best deal guaranteed] 

fwdlogo

 

Affordability  - Up to S$1,000,000 for overseas medical expenses

- Up to S$400,000 accidental death and total and permanent disability

- Up to S$15,000 travel cancellation

- Up to S$1,000 flight delay (S$100/6h)

- Up to S$7,500 loss of baggage

Use the promo code TRAVEL25 to get a 25% discount on Single Trip and 20% discount Annual Trip plans! Valid till 7 July 2024. T&Cs apply.

Buy now to receive:

4 miles per S$1 spend on your premium. Valid till  30 September 2024 5:30 pm. and T&Cs apply.

 

Complimentary lounge access during flight delays. Valid till 30 September 2024 5:30 pm. 

 


MSIG TravelEasy
[Best deal guaranteed] 

msig-logo

 

Comprehensive medical coverage - Up to S$1,000,000 for overseas medical expenses

- Up to S$500,000 accidental death and total and permanent disability

- Up to S$15,000 travel cancellation

- Up to S$1,500 flight delay (S$100/6h)

- Up to S$7,500 loss of baggage

Get 40% off  Single Trip and 20% off Annual Trip when you buy NOW! Valid till 28 July 2024.

 Also receive:

4 miles per S$1 spend on your premium. Valid till  30 September 2024 5:30 pm. and T&Cs apply.

 

Complimentary lounge access during flight delays. Valid till 30 September 2024 5:30 pm. 

 


Table of Contents:

Read these next:
Best Covid-19 Travel Insurance Plans (2023)
Is Travel Insurance With COVID-19 Coverage Still Necessary?
Why You Should Get Travel Insurance (And What Happens If You Don’t)
Best Travel Insurance Plans And Promotions In Singapore
Cheapest Flights to Popular Destinations


Do I Need Travel Insurance for Thailand? Learn More Through This Table of Comparison

Product

Medical expenses

COVID-19 medical expenses

Travel cancellations

Baggage delay

Extreme sports and adventure cover

Premiums

Apply
AIG Travel Guard® Direct - Supreme
AIG Travel Guard® Direct - Supreme
Up to S$2,500,000
Up to S$250,000
Up to S$15,000
Up to S$1,600
S$200/6 hours
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
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$10,000
Up to S1,000
Up to S$2,500 for damaged, loss, or stolen sports equipment 

Up to S$10,000 for sports coverage search and rescue
From S$50
MSIG Premier Plan
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$250/6 hours
Up to S$1,500 for damaged, lost or stolen golf equipment
From S$50
FWD First
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$150/6 hours
Opt for equipment protector add-on

Up to S$2,000 for sports equipment
From S$25.20
Tiq Travel Luxury
Tiq Travel Luxury
Up to S$1,000,000
Opt for COVID-19 add-on

Up to S$300,000

Up to S$500,000 for emergency medical evacuation
Up to S$10,000
Up to S$200 

(S$100/6 hours)
Opt for equipment protector add-on

Up to S$4,000 for sports equipment
From S$31
Starr TraveLead Gold Plan - Southeast Asia (Annual)
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$100/6 hours
Option add-on for scuba diving, snow sports or golf protection

Up to S$250 add-on snow sport equipment hire

Up to S$500 add-on ski equipment hire coverage

Up to S$1,500 add-on scuba diving equipment coverage

Up to S$1,000 add-on golf equipment hire coverage
From S$32.40
Singlife Travel Prestige
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$200/6 hours
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 for Cheapest COVID-19 Insurance in Thailand and Value-for-Money: FWD Travel Insurance

FWD-Logo

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 travel insurance 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), making it an attractive option for those seeking the cheapest COVID insurance for 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 on the FWD SG App and request assistance if you need any help. 

Such affordability and user-friendly service combine to position FWD Travel Insurance as a premier choice for travellers seeking reliable coverage for their journeys to Phuket, Bangkok, or any other destination in Thailand.

 

SingSaver's Exclusive FWD Promotion: Use the promo code TRAVEL25 to get a 25% discount on Single Trip and 20% discount on Annual Trip plans! Valid till 14 July 2024. T&Cs apply. 

Also receive:

  • 2 miles per S$1 spend on your premium. Valid till  30 September 2024 5:30 pm. T&Cs apply.
  • Complimentary lounge access during flight delays. Valid till 30 September 2024 5:30 pm. 

 


Best for Comprehensive Coverage: Singlife Travel Insurance

logo-singlife-450

Those looking for the most comprehensive travel insurance for Thailand 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.

Singlife distinguishes itself with its unlimited medical expenses coverage under the Travel Prestige plan, providing one of the best travel insurance for Thailand. This comprehensive approach extends to trip cancellation coverage, which reaches up to S$20,000. It includes a special provision allowing up to S$5,000 in coverage for cancellations for any reason under the Travel Plus and Travel Prestige Plans. 

This means 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 seven days of your flight purchases or hotel bookings for them to qualify for a claim.

Singlife also offers a nifty rainfall coverage of up to S$150 if it’s more than 6.4mm in a 24-hour period, should it affect your itinerary. This feature is particularly appealing for travellers planning to engage in outdoor activities. On top of that, it also covers sports like white water rafting, jetski-ing and kayaking — perfect if you’re trying such sports overseas.

Moreover, the inclusion of COVID-19 insurance for Thailand, which offers up to S$200,000 for overseas medical expenses, highlights Singlife's dedication to safeguarding your journey across all aspects. This robust coverage ensures peace of mind for travellers.

 


Best for Medical Support and Adventure Sports Equipment Cover in Thailand: TIQ Travel Insurance

TIQ LOGO

TIQ also stands out for its comprehensive medical and adventure sports cover. Offering up to S$300,000 coverage for COVID-19-related medical expenses and up to S$500,000 for emergency medical evacuation, you’ll have peace of mind with well-rounded medical protection. 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 plan 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?


Pick Your Travel Insurance 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, jet skiing, and white water rafting.
Up to S$2,500 sports equipment coverage
MSIG TravelEasy
Covers sports like bungee jumping, tandem skydiving, tandem paragliding, hot air ballooning, jet-skiing, white-water rafting, diving, tobogganing,
dog sledding, 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$250 add-on snow sport equipment hire
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
Up to S$3,000 water sports equipment coverage

Medical expense coverage is a must-have regardless of where you go for your trip, not just Thailand. However, you’ll have to be sure that it covers activities you’re considering 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 for your Thailand venture 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, which is great for those bringing their own valuable equipment overseas.

But even if your itinerary includes more laid-back or leisurely pursuits in Bangkok, securing comprehensive travel insurance is still highly recommended.

 

 

See also: Best Travel Insurance Singapore for Adventure Travellers


Loss of belongings

Depending on which area of Thailand you’re travelling to, whether the crowded streets of Bangkok or the lively beach destinations of Phuket, many of these places are known for their high cases of pickpocketing. Whether you get pickpocketed, accidentally misplace your valuables or have them damaged, getting sufficient travel insurance coverage for your loss of belongings is extremely important and will help you have peace of mind. This is beneficial for those bringing their laptops for work, or camera and equipment for professional photography, as travel insurance plans do cover for these too!

Considering going to Thailand for your pre-wedding photoshoot? Not to worry, some travel insurance plans also cover for loss of bridal clothing, accessories, and even your wedding album!


What are the Top Things to Do in Thailand for Leisure?

Ready to see what Thailand has to offer? From beautiful beaches to vibrant markets, there's so much to explore. But before you start planning your adventures, don't forget to sort out your travel insurance. It allows you to make the most of these activities protected and stress-free.


1. Tour the historic temples of Bangkok

Dive deep into Bangkok's spiritual core by touring its revered temples, including Wat Pho, famous for its giant reclining Buddha; Wat Arun, known as the Temple of Dawn with its stunning riverside spires; and Wat Phra Kaew, the sacred home of the Emerald Buddha. These sites serve as gateways to understanding the country's deep religious traditions and cultural heritage.


2. Surf at Phuket’s Kata beach

Kata Beach, renowned as Phuket's surfing capital, welcomes surfers from beginners to experts. This scenic and lively beach offers ideal waves, surfboard rentals, and professional lessons, making it the perfect place to ride the Andaman Sea's swells.


3. Cycle at Sukhothai Historical Park

Take a leisurely bike ride through Sukhothai Historical Park, a UNESCO World Heritage site. Cycling is a fantastic way to see the ancient ruins, beautiful temples, and Buddha statues at your own pace, all set within a picturesque landscape.


4. Visit the Elephant Nature Park in Chiang Mai

Experience ethical elephant tourism at the Elephant Nature Park in Chiang Mai, an elephant sanctuary and rescue centre. This heartwarming experience allows you to interact with these majestic creatures respectfully and sustainably.


5. Climb to the Tiger Cave Temple in Krabi

Conquer the challenging climb to Wat Tham Suea and be rewarded with panoramic views of Krabi's limestone cliffs and lush countryside, alongside the peaceful presence of a golden Buddha at the summit. Legend says a tiger once roamed its caves, giving the temple its name.


6. Navigate through the floating markets near Bangkok

Experience the unique charm of Thailand's floating markets, such as Damnoen Saduak or Amphawa. Glide through the waterways on a boat, sampling local foods and shopping for souvenirs from vendors in traditional wooden boats.


How Do You Choose the Right Travel Insurance for a Bangkok or Phuket Trip?

Not sure how to select the best travel insurance for Thailand? Review these helpful tips to ensure your journey is protected every step of the way.


1. Secure comprehensive coverage

Dive into the specifics of the provided travel insurance for Bangkok or Phuket, especially its coverage for medical emergencies, including those related to COVID-19. Also, take a closer look at how it handles trip cancellations and lost baggage. Grasping these details ensures your policy aligns perfectly with your travel plans, allowing you to enjoy Thailand with peace of mind.


2. Consider any pre-existing medical conditions 

Don't overlook any current medical conditions you have. Many plans exclude these, so find a company that offers travel insurance with pre-existing medical conditions coverage. This ensures you're fully protected for any health issues that might flare up while you're soaking up the Thai sun or exploring the busy streets.


3. Assess sports/adventure activity inclusions

Before you leap into adventures in Thailand, like hiking or snorkelling, double-check that your travel insurance has your back for these kinds of thrills. It’s all about making sure fun times stay fun, even when the unexpected happens.


4. Match policy with trip length and scope

Ensure the travel insurance matches the length and destinations of your Thailand trip. Coverage should reflect the full scope of your journey, securing every leg of your Bangkok to Phuket journey. This precision guarantees protection that’s as comprehensive as your itinerary.


5. Evaluate customer support services and reviews

Prioritise travel insurance companies that provide 24/7 customer support, crucial for any emergency while in Thailand. Additionally, check out their claims process through customer reviews to assess how efficiently and supportively they handle issues.


6. Conduct thorough comparisons

Before finalising your travel insurance for Phuket or Bangkok, compare premiums, coverage limits, and customer reviews from different providers. This thorough evaluation ensures you select the best policy for your needs.


Can I Get Extra Cover for Thailand?

Yes, many travel insurance providers offer add-ons or extra coverage, though it's important to note that these additions typically come at an additional cost. Such flexibility allows for more tailored and comprehensive protection, ensuring that specific needs and activities are covered beyond the standard policy offerings. 

However, to ensure value for your investment, it's advisable to carefully consider and select only those add-ons that closely align with your travel needs and the nature of your trip to Thailand.

For example, individuals with asthma or diabetes can add pre-existing medical condition coverage, if not already included. On the other hand, adventure enthusiasts might consider adding coverage for high-risk activities, such as scuba diving, rock climbing, or bungee jumping, to their travel insurance plan to ensure they're covered in case of an accident. 

By customising your policy with the right add-ons, you maximise your protection and secure the best travel insurance for Thailand.


What Travel Insurance Won’t Cover for Thailand?

It's important to understand the exclusions that could affect your coverage when buying travel insurance for your Thailand trip. Most policies will not cover accidents resulting from reckless behaviour, such as being under the influence of alcohol or drugs. 

Similarly, losses due to personal negligence, like leaving your belongings unattended, typically won't be covered. Moreover, simply changing your mind about travelling won't qualify for flight cancellation insurance benefits unless your policy states otherwise. 

Ensure comprehensive financial protection during your trip by meticulously reviewing the terms and conditions of your travel insurance policy. Familiarise yourself with all exclusions and limitations to avoid any unforeseen gaps in coverage.

To find a policy that covers all your specific needs, consider using platforms like SingSaver. This way, you can easily compare different policies to ensure you know what your travel insurance covers, and are equipped with the best possible protection for your Thailand ventures. 


Frequently Asked Questions About Travel Insurance for Thailand

Gun ownership is legal in Thailand. In light of growing incidents of gun violence, do the travel insurance policies cover gun-injury-related costs?

Yes, travel insurance policies for travellers in Thailand typically provide coverage for medical expenses due to unexpected injuries, including those caused by gun violence, as part of its emergency medical expenses benefits. Such incidents are considered unforeseen, qualifying them for coverage. However, reviewing your policy's terms or consulting with your insurance provider to confirm coverage details is always advisable.

Will the cost of the travel insurance plan be different across places in Thailand like Bangkok, Phuket, Krabi and more?

The cost of travel insurance plans for Thailand does not specifically vary by locations like Bangkok, Phuket, or Krabi. Instead, factors such as the age of travellers, the duration of the trip, and the chosen coverage level primarily determine the cost. While the destination's overall risk level can influence premiums, the variation within Thailand is generally not specified by insurers. It's best to get a quote directly from the insurance provider for accurate pricing.

What are the requirements for entering Thailand?

Passport holders from countries under Thailand’s Tourist Visa Exemption Scheme (TVES), such as Singapore, can enter Thailand without a visa for up to 30 days, whether by air travel or through a land border checkpoint. 

While enjoying this privilege,ensure the following requirements are prepared to ensure a smooth entry:

  • Passport valid for at least six months
  • Details of accommodation for proof of stay
  • Confirmed return ticket within 30 days of arrival
  • Provide proof of sufficient funds of at least S$374 (10,000 Thai Baht) per person or S$748 (20,000 Thai Baht) per family

 

 

While purchasing travel insurance is not a requirement, it is strongly recommended to ensure a safe and worry-free journey.

 

A mahjong addict with an undying love for dogs, Deborah is always on the hunt for cheap deals because she is always broke. That is why she is attempting to be more financially savvy to be.. less broke

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