8 Things to Keep in Mind Before Buying Thailand Travel Insurance

• Written by Nidhi Goyal

  Reviewed by Munmi Sharma

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Heading to Thailand? 

Vibrant city life, serene beaches, adventure-filled jungles, and rich cultural heritage make Thailand popular. 

Preparing for an unforgettable trip requires many arrangements. One such important thing that you can’t overlook is travel insurance. Travelling abroad for the first time may be an overwhelming experience, but buying international travel insurance will be your shadow. 

Why is Thailand a Hot Tourist Spot?

Thailand gets its third most tourists from India, with a record 2.1 million Indian visitors in 2024. The country’s popular name, “The Land of Smiles”, reflects the friendly and hospitable nature of the people there. So, along with families, solo travellers don’t hesitate to travel to this destination. However, one thing that not all travellers consider before hitting the airport is that they miss buying Thai travel insurance. It is a common pain point for travellers. 

This blog will explain why you must accompany Thailand travel insurance before your next trip to Thailand. Let’s find out what an ideal insurance for Thailand travel should offer.

Why Buy Insurance for a Thailand Trip?

Any emergency can put your trip on hold. Travel insurance is a must to avoid losses and enjoy an uninterrupted trip. It covers various unforeseen losses, such as baggage loss, theft, and flight delay/cancellation. 

Thailand's high healthcare treatment costs are unaffordable, whereas India's is nearly 50% cheaper. For example, a heart bypass costs around $7,900 in India, whereas you must pay $15,000 for the same treatment in Thailand. Take a look at the costs of further treatment in India vs Thailand.

Travel insurance protects you from paying such whopping medical costs. If you want to purchase the best holiday insurance for Thailand, stay tuned!

Get the Security That Travels With You

Buying travel insurance for a Thailand trip before embarking on a trip provides financial coverage against losses due to sudden incidents during the trip. It is also a cost-effective and convenient option for travelling internationally. 

Searching for a travel insurance company in a new country like Thailand would be challenging. Buying it from India and travelling insured gives you new freedom. Let us look at the factors you should consider before purchasing Thailand trip insurance:

Policy Coverage

Your travel insurance for a Thailand trip must be comprehensive, covering medical expenses, pre-existing diseases, trip cancellation, personal liability, and more. So, analyse whether your policy has medical and trip-related coverage like missed connections and loss of passport and other documents. Good travel insurance policies offer other potential coverages like emergency cash advances, home burglary, personal accident coverage, loan protection, etc. So, check whether your insurer offers all of these.

Inclusions and Exclusions

Knowing what coverage you’ll be getting from your insurance policy is important. Most travel insurance plans exclude coverage for pregnancy, childbirth, and war-like situations. Being proficient in inclusions and exclusions saves you from last-minute confusion and disappointments.

Policy Duration

Choose the policy duration according to your requirements in advance. Most travel insurance plans have a 180-day duration (which can be extended to 365 days). As travel insurance is valid for 12 months, choose according to your travel plans.

Coverage for Adventurous Activities

Are you an adventure junkie? Will you challenge yourself with white-water rafting, diving, bungee jumping, ziplining, or rock climbing? 

If you answer yes, remember that insurance policies cover such adventure activities if performed under expert supervision.

Easy Claim Settlement Process

Being far from your home country is challenging during a medical or travel emergency. Hence, the claim process must be smooth to avoid further complications in a foreign nation. Ensure you enquire about the claim settlement procedure before buying the travel insurance policy.

Premium Amount

A travel insurance premium calculator is there to figure out your premium amount. You get an estimated premium amount. Some policies also offer add-on benefits and the built-in ability to calculate your premium accurately so that you can decide upon your budget.

Pre-Existing Medical Conditions

If you have any kind of pre-existing disease like asthma, high BP, or heart conditions, then you must opt for a policy that covers PEDs. Disclose your medical history veraciously to minimise the possibility of claim rejection. 

Read Customer Reviews

Opting for a tried and tested insurance company is better than trusting a random one. Several forums and websites allow you to check customers’ experiences. You can check there for authenticity and decide on your insurer. 

Ensure a Stress-free Trip with Care Health Insurance

Whether you are a solo traveller or planning a family vacation, Care Health Insurance has exciting, tailor-made insurance policies for everyone. The Explore Asia travel insurance plan allows you to buy travel insurance without pre-policy medicals. Again, you can safeguard your frequently occurring trips with multi-trip insurance. It seems mandatory to buy travel insurance for your Thailand trip.

With Care Health Insurance’s travel insurance policy, you get several benefits like IPD, dental treatment, repatriation of mortal remains, trip interruption, upgradation of flight ticket to Business Class, and many more. We also offer a Family Discount Option, where you can grab a 20% discount on adding six family members to the policy. 

Travel Insured, Travel Protected

Thailand’s beaches, islands, and historical ruins create the perfect backdrop for an adventurous vacation. Delicious Thai cuisine and majestic royal palaces attract millions of tourists to Thailand every year. The country has something for everyone. Before you book your tickets, buy travel insurance for Thailand. Though travel insurance is optional, you must get it to protect yourself from costly medical emergencies, flight delays, trip cancellations, and many more. As lost/damaged belongings, diseases, and other emergencies can dampen your holiday spirit. Travel insurance protects you on your vacation. 

Travelling is fun when it is backed by travel insurance. Buy travel insurance today and harmoniously immerse yourself in the authentic experience of Thailand. 

Disclaimer: All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. It is essential to verify the policy details and coverage with the official policy documents.