With so much to offer for everyone, it's no wonder Thailand is one of the most popular holiday destinations in the world. Beautiful sandy beaches, vibrant culture, full moon parties and fun activities galore, you can be sure your holiday to Thailand will be the trip of a lifetime. Choosing the right travel insurance for your holiday to Thailand ensures that should anything go wrong, you're completely covered.
People want different things out of their holiday to Thailand, which is why with our Thailand travel insurance your cover is personally tailored to your trip. So not only do you know exactly what you're covered for, you only pay for what you need.
This means that if you are a beach loving, sun worshipper who doesn't stray further than the resort, that's exactly what you'll be paying for, with no unnecessary extras. And if you're an adrenaline junkie who loves caving, paragliding and rock climbing, all you need to do is add hazardous activities cover straight on to the policy.
Our policies are designed to be easy to understand and simple to book, so you'll always know exactly what you're booking and what you're covered for.
We offer four levels of cover for Thailand travel insurance:
Standard Essential- basic cover which provides £2.5million medical emergency expenses and £7,500 personal accident
Essential- classic cover which provides £2,500 cancellation cover, £5million medical expenses cover, £15,000 personal accident, £100 departure delay and £500 missed departure
Essential Plus-extended cover which provides £2,500 cancellation cover, £5million medical emergency expenses, £15,000 personal accident, £1,500 personal possessions, £300 personal money, £100 departure delay and £500 missed departure
Superior Essential- premium cover which provides £5,000 cancellation cover, £10million medical emergency expenses, £30,000 personal accident, £2,000 personal possessions,£400 personal money, £200 departure delay and £500 missed departure
If Thailand won't be your only holiday this year, you might also want to consider our Annual Travel Insurance, which covers you for unlimited trips for the rest of the year. No need to fuss about buying a new policy every time you travel and only one policy to hang on to!
There are over 100 activities included free in every policy, so even if you're not sure what you want to do before you go, you won't be limited. Elephant riding, pony trekking, jet skiing and most of the popular activities that are available in Thailand are already included in this list. You can find a full list of activities included in the policy on our sports insurance page. You can even print it out and take it with you, so you always know what you're covered for.
Buying travel insurance is important for every holiday you go on, but when you travel to Thailand it becomes more important than ever.
Whilst the lush tropical climate is the perfect beach weather, it's also perfect for all kinds of little critters. Most of us won't be bothered by insects and their bites at home, but you might find that the with the much larger number of bugs roaming the streets of Thailand you are a lot more likely to be bitten.
Applying an insect repellant with a high percentage of deet on your entire body should protect you from insect bites, but there is always the chance that one will slip the net. Occasionally, some people can have an allergic reaction to insect bites and this is where it can get costly. Severe reactions, whilst not dangerous, will require medical attention, often a course of antibiotics and sometimes even an intravenous drip if it's really bad. Depending on where you go to get treatment, this can end up being really expensive, especially if you visit a private clinic aimed at tourists.
Making sure you have good travel insurance means that you'll be covered wherever you go, leaving you to seek treatment from wherever you feel most comfortable and able to enjoy your holiday as normal.
All of our policies cover you for at least £2.5million medical emergency expenses, so if you are bitten by an insect and suffer from an allergic reaction, you can be confident that any medical treatment you will need will be covered.
Don't forget:Thailand's insects can also be very dangerous if you haven't had the all the right vaccinations. Mosquito borne diseases such as Malaria, Dengue Fever and Japanese Encephalitis are all common in Thailand and can be contracted by a single mosquito bite, so make sure you are vaccinated in good time before you go.
There are so many amazing things to do and see in Thailand, you are sure to find something you fancy doing. From elephant riding to floating markets, sea kayaking to water parks, there is something for everyone. You may even find yourself jam packing your holiday with everything Thailand has to offer.
But accidents can happen, and with so many exciting activities, it is essential that you have good medical cover just in case. This means that if anything were to happen, all you need to worry about is getting better. All of our policies have at least £2.5million medical emergency expenses cover, so you can feel safe with the knowledge that even the worst injuries will be covered.
Please note: Thailand is quickly becoming notorious for its cheap medical treatment, so it's easy to think that you don't need medical cover or insurance for your holiday. However, whilst most local Thai hospitals will be very cheap, tourists tend to avoid them as the care and facilities are not the same quality as those in the UK and they are often not very tourist friendly.
So unless you are comfortable with poorer facilities than you're used to and the possibility that the Doctor doesn't understand you, you'll find yourself in one of the top private hospitals or clinics popular with tourists, with a much higher price tag. Treatment in one of these private hospitals can run up into the thousands, so it really is essential to make sure you have travel insurance. What might only cost you £13 in travel insurance, will make sure that you receive the best care in a hospital that suits you.
Most of the people you will meet in Thailand will be friendly and happy to help, but like any popular destination, Thailand is rife with pickpockets. There are precautions you can take to prevent being pick pocketed, like not carrying a handbag or purse and keeping your valuables in hidden or front pockets on your person, but unfortunately many pickpockets are well practised and know all the tricks.
Besides carrying as little valuable items as you can, buying travel insurance with good mugging and personal possession cover will ensure that should you become a victim of pickpocketing, you can replace your stolen items. And if you are hospitalised due to injuries from mugging, you'll also receive compensation for your lost time.
We offer two policies which provide mugging cover:
Our Essential Plus-which covers you for up to £500 of compensation if you are hospitalised, up to £1,500 of stolen personal possessions, up to £300 personal money (£200 cash) and even £300 for your passport.
Our Superior -which covers you for up to £1,000 compensation if you are hospitalised, up to £2,000 of stolen personal possessions, up to £400 personal money (£250 cash) and even £350 for your passport.
Top tip:Backing up your data on your phone will ensure that should your phone be stolen, you don't lose or your precious files and photos.
Rabies is a deadly disease commonly found in the dogs, monkeys and bats of Thailand. It is transmitted by the lick, bite or scratch of an infected animal and is most common in stray dogs.
If you have been bitten, scratched or licked on broken skin by an infected animal you will need immediate medical attention and a series of vaccinations to prevent transmission of the disease. Even if you have received preventative vaccinations, you will need two further vaccinations.
Treatment can be expensive in Thailand, so it's extremely important that you have travel insurance to cover your medical expenses, should you be bitten/licked/scratched by a rabid animal. Left untreated, you are highly likely to contract this horrible disease, for which there is no cure or treatment.
Staying away from animals in Thailand will prevent exposure to rabies, but as it cannot always be helped it is highly recommended that you buy good travel insurance to cover you.
Our Thailand travel insurance covers you for at least £2.5million medical emergency expenses with every policy, more than enough to cover the whole set of vaccinations and even a shot of immunoglobulin, if you have been infected. If you are bitten in a rural area without medical facilities or access to the vaccination, this will also cover your transport to the nearest hospital. As you only have 24 hours before the disease develops, this could potentially save your life!
Lost baggage seems to be a bit of a problem in most South-east Asian countries, with some luggage completely disappearing from the face of the earth. Losing your luggage can be a frustrating experience, as not only do you lose everything in your suitcase, you most likely have nothing to wear for your holiday. Buying travel insurance with lost baggage cover means that whilst you'll have to buy a whole new set at your destination, at least you can be reimbursed for your lost (and probably new) wardrobe.
There are two policy levels with our travel insurance which cover lost baggage:
Our Essential Plus cover, which will cover up to £1,500 of total lost baggage, with a £250 limit for each single item and a £250 limit for valuables (jewellery,watches, cameras etc.).
Our Superior cover, which will cover up to £2,000 of total lost baggage, with a £300 limit for each single item and a £300 limit for valuables (jewellery,watches, cameras etc.).
With the recent tragedy in Bangkok, you understandably might have some concerns about travelling to Thailand. But as long as you stay sensible and vigilant, there is no reason at the moment why you should cancel or amend your holiday.
The Foreign and Commonwealth Office have cleared most of Thailand safe to travel, with only a few exceptions.
They have advised against all but essential travel to the provinces of Yala, Narathiwat, Songkhla and Pattani along the Thai-Malaysia border, so if you have plans to travel to any of these areas it is highly recommended you cancel them and travel to a different area. If do you choose to travel to any of these areas, you'll find that your insurance will probably be invalidated and you won't find a company that will cover you. Check with your insurance provider to be sure.
Everywhere else is currently considered to be safe to travel, including Bangkok, but there's no harm in exercising extra caution. Large, busy areas are normally a prime target for terrorists, so if you are particularly worried about terrorism on your trip to Thailand, we suggest avoiding the popular tourist attractions.
As long as you do not travel within the areas mentioned above, your travel insurance conditions should not be affected by recent events in Thailand and you'll be covered as stated in your policy.
Only some companies will cover you in the event of a terrorist attack, many will exclude it from the policy altogether.
With our travel insurance, you are covered for terrorist attacks, but only for three basic elements of cover: medical emergency expenses (of up to £10million), hospital benefits (of up to £1,200) and personal accident (of up to £30,000). However, this does exclude any losses caused by nuclear, chemical or biological attack, or if the disturbances were already taking place at the beginning of the trip.
Most companies that do offer cover for terrorist attacks will also only provide limited cover (which excludes baggage, personal money and curtailment). Check your policy documents/wording to find out which elements you are covered for.
You can find travel insurance that covers you for everything, but they are usually specialist insurance companies who cater for visits to war-torn countries and will be a lot more pricey.
If your insurance does not cover you in the event of a terrorist attack, it usually will be listed as a general clause in your policy document/wording. It will clearly state that the policy excludes all acts of terrorism, war and any kind of explosion of weapons of mass destruction.
Check out our terrorism travel insurance page for full details on the cover we offer in the event of a terrorist attack.
Thailand is every backpacker's dream destination: the perfect cocktail of exotic culture, heavenly grub, stunning beaches and friendly locals. There's even an endless list of amazing things to do and see.You're all set for your adventure of a lifetime, there's just one thing left to buy: backpacker travel insurance.
Booking Thailand backpacker's travel insurance with Essential Travel is as easy as pie. Simply change your trip type in the quote form above to 'Backpacker' and complete the form as normal. Our backpacker's travel insurance offers very similar cover to our standard travel insurance but you can be covered for up to 2 years.
There are three levels of Thailand backpacker's insurance:
You can find out more on our backpacker's travel insurance page.
If it's your first time backpacking, you might have no idea what you're looking for in travel insurance. There are so many different levels of cover and things to be covered for, it can get your head in a bit of a spin. Even as a seasoned traveller you might be unsure what you really need on your trip to Thailand.
We've done the hard work for you and come up with a handy list of what you need and should consider why buying travel insurance for your trip to Thailand:
This is a big one; it might even save your life.
Medical emergency expenses can be found on nearly every policy you can get your hands on and covers you if you fall ill or are injured whilst backpacking in Thailand. If you are travelling for an extended period of time (more than say, 2 weeks), the likelihood of being involved in a road accident or injuring yourself during an activity increases, and thus so does the likelihood of you needing medical treatment.
If you're like most backpackers and are either on a tight budget or a student, you might not be able to afford the high prices of receiving this treatment, which can be fatal if you require urgent medical attention. Ensuring you have travel insurance with good medical expenses cover means that in most cases, the hospital/clinic providing the treatment will recognise your insurance and won't ask for any payment. If the treatment is under a certain amount, or they don't recognise your insurance, you will have to pay for the treatment yourself and then make a claim from your insurance provider when you get back. Buying a recognisable and trustworthy insurance will ensure that you receive immediate, comprehensive cover without the worry of whether you can afford to pay.
So how much medical expenses cover do you need?
The amount of cover can seem unnecessarily high, especially when you're not expecting to use it. But you'd be surprised how quickly things add up. Getting airlifted to hospital in Thailand can cost tens of thousands of pounds and that's before you've even received any treatment. If you then need to be flown home (repatriated), especially if you require an attending doctor, it can cost another huge chunk of money. High levels of medical emergency expenses cover are there to reassure you that you are covered no matter how much treatment you need.
Think about what you will be doing in Thailand. Are you going to be taking part in any dangerous/ high-risk activities? If so, you probably want at least £5million cover. For the less adventurous of us, £1-2million should be more than enough. Either way, there's no harm in having more cover.
Most backpackers travelling to Thailand tend to take just that, a backpack. If all you plan to cram into your rucksack is a bunch of shorts and t-shirts, flip flops, sunnies and an old Nokia, you probably don't need Baggage cover for your trip. However, if you have decided to bring your smart phone/laptop/tablet/camera with you, it is well worth investing in good baggage cover. So whether you need baggage cover really depends on what you plan on taking with you.
A good level of baggage cover is normally at least £1,500 but should be enough to cover any valuable items, clothes and jewellery you take with you.
Important to note:Baggage doesn't just go missing at the airport. In some areas of Thailand, tourists report valuables also being stolen from their hotel rooms, especially in popular party islands like Koh Pha Ngan, Koh Phi Phi and Koh Samui. So even if you are lucky at the airport, it doesn't mean you won't need baggage cover for the rest of the trip!
Whether you're a student on your gap year, or a professional seeking escape from working life, you might find yourself in a situation where you have to cancel your backpacker's adventure. Cancellation cover is designed to refund your holiday should you need to cancel your trip.
Whilst covering yourself for cancellation is a great idea, it's not necessarily essential. The vast majority of people won't need to cancel their trip and will embark on their travels as planned. It's more valuable for travellers who have spent lots of money pre-booking accommodation and activities, incase they can't be refunded in the event of trip cancellation.
It is also often limited in the circumstances for cancellation it covers. For example, many policies won't cover cancellation if you have run into financial difficulties, change your mind or can't get the time off work.
Generally, you are covered for cancellation if:
So if you're heading out to Thailand with plans to find hotels and hostels as you go, you don't really need to worry about the level of cancellation cover you have on your policy.
There are a number of reasons why you might need to drag yourself away from your new travel mates and return home:
Curtailment cover reimburses you for the unused part of your holiday. including any accommodation you have booked and possibly your flight home. It is not essential to have curtailment cover, but if the worst was to happen, it ensures not all your hard earned pennies are completely lost. If you have pre-booked accommodation and activities for your trip to Thailand, it might be worth investing in curtailment cover, just in case you are unable to obtain a refund.
These are all the most important elements you should include or consider including in your travel insurance if you're backpacking in Thailand. There are lots of other elements of cover included in policies, but if you're a backpacker on a budget, there's not much need to worry about most of these. You're better off making sure you have good levels of cover for the backpacking essentials listed above.
It's not all about travel insurance. There are a million and one things to think about and organise before you go on holiday to Thailand and it can be almost as exciting as the trip itself reading reviews, blogs and discovering what to eat and what to see. It's also really handy to have a good idea of what you should pack and other helpful travel tips.
We love Thailand just as much as we love cake (and that's alot) so we've put together a collection of articles and advice for your holiday to Thailand.
Thailand has become one of the most popular tourist destinations in the world. See the best places to visit and things to do on your Thailand adventures. Essential Travel
Like most things, packing is easy when you know how ... so we've folded, we've squished, we've packed in, our top ten tips ... to packing light. Essential Travel
Essential Travel Ltd (Part of Holiday Extras) 2019.