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  3. Thailand International Travel Insurance

Thailand International Travel Insurance

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Thailand is a Southeast Asian country full of diverse cultures, natural wonders, and a rich history. From the bustling streets of Bangkok to the tranquil beaches of Koh Samui, there is something for everyone in this captivating country. From ancient temples to vibrant nightlife, Thailand is a destination you won't want to miss. If you’re planning your Thailand vacation, make sure to add travel insurance. Even if travel insurance is no longer required for trips to Thailand, it is still advisable for Indian citizens who wish to have a worry-free vacation to get the best travel insurance for themselves and their families. Get your Travel insurance included in your Thailand package with Pickyourtrail!

What is the Need for Travel Insurance for Thailand from India?

Travel insurance to Thailand from India is required to protect yourself from financial dangers. 

If you find yourself in the position of having to visit a hospital, keep in mind that the treatments may be expensive, as they are in other Asian countries. Public healthcare is offered, although it is only available to Thai citizens and working residents, and you may be required to produce proof of your capacity to pay before receiving treatment. Travelers may find it easier to acquire private healthcare, but it can be costly. It's also a good idea to double-check that you'll be covered for emergency flights back home (just in case).

Pickpockets and bag snatchers may also target tourists. Travel insurance can provide you with peace of mind knowing that, in the event that you become a victim of crime, you will have a mechanism to get your money back.

Here are some of the other essential instances in which an insurance plan can assist you on your journey:

  • You may unintentionally cause damage or harm to a third party.
  • Your checked-in luggage may be lost or delayed by an airline.
  • You could lose your money, passport, or other possessions.
  • While traveling, a medical emergency might occur at any time.
  • Unforeseen events may force you to cancel or postpone your vacation.

Many comparable situations can put you under tremendous financial strain if you do not protect yourself with a suitable travel insurance package.

What Does Travel Insurance Plan in Thailand Cover?

Accidental coverageCoverage in the event of accidental care needs or hospitalization.
Medical emergency coverageCoverage for medical emergencies requiring hospitalization.
Adventure sports coverageCovers hospitalization costs required as a result of adventure sports injuries.
Flight delay/cancellation coverageCompensate for flight delays and cancellations.
Baggage delay/loss coverageCompensation for lost or delayed checked baggage
Trip rescheduling/cancellation coverageCompensation if you need to cancel or change your trip
COVID-19 quarantine coverageCovers costs associated with canceling trips in cases of quarantine due to COVID-19.
Loss of passport coverageCoverage for the costs of obtaining a duplicate passport as a result of the loss of the original.
Loss of travel fund coverageCoverage for trip funds lost due to theft, loss, robbery, and other causes.

What are the Benefits of Thailand Travel Insurance?

Getting travel insurance in Thailand has three primary benefits for travelers. 

Medical protection

One of the most important coverages to have when traveling is health insurance. It is necessary in the event of an accident or illness that requires medical attention during your travel.

Travel protection

Having insurance for your Thailand vacation will protect you from a number of unexpected circumstances, such as flight delays or cancellations, passport loss, loss of travel funds, and so on.

Baggage protection

Losing your luggage when traveling can cause problems. That is why you need baggage coverage in case your luggage is delayed or lost.

Things to Consider While Choosing Thailand Travel Insurance

Now that you have learned how beneficial it is to get Thailand travel insurance Before you apply for one, check out the important factors to be considered before choosing the best travel insurance for Thailand from India.

Determine the Policy Duration

This may not appear to be a big deal at first, but when calculating the number of days, be sure you get it right. A day or two's miscalculation would result in your policy not being validated. Hence, when filling out the form, make sure you enter the correct date of departure and return to avoid inconvenience later. When you land, you must enter the exact date. For example, if you are flying between time zones, your arrival date will be one day later.

Examine the Travel Insurance Options

There are various types of Thailand travel insurance coverage available. You can purchase solo travel insurance if you are traveling alone. You can also purchase a family floater foreign travel insurance plan if you are traveling with your family. There are also single-trip plans for first-time travelers and multi-trip plans for frequent travelers. There are also student travel insurance options available for those traveling for further education. Hence, to guarantee that you have the correct coverage, choose a plan based on your purpose of travel.

Ensure that all of your destinations are covered.

If you intend to travel outside of Thailand, be sure that coverage is available in that nation as well. If you are traveling within Asia, it is best to purchase an Asia travel insurance plan that provides coverage in all Asian nations, such as Thailand, Singapore, Malaysia, and others. To minimize confusion, check with the insurer, look it up online, or read the policy wording before deciding on one.

Pre-existing medical conditions, passengers, voice out!

If you have a major medical problem, your travel insurance will almost certainly be more expensive. Whatever occurs, never lie to an insurance company because doing so may result in your claim being denied.

Enquire for Additional Advantages

In Thailand, many individuals like water sports. However, if you intend to participate in water sports, skydiving, or bungee jumping, be assured that your travel insurance coverage covers these extreme sports as well. Such high-risk activities are not covered by a standard travel insurance policy. As a result, you would need to purchase a plan that provides such comprehensive coverage. Most of the time, the premium for such travel plans is on the higher side, but it is advisable to go for it to protect yourself from such unanticipated risks in an unknown location.

Check What is Included

There are numerous types of plans available, and the coverage differs from one travel insurance plan to the next. So, in general, make absolutely sure that your policy covers foreign health expenses and emergency medical care, personal accident coverage, emergency dental treatment (which can be very expensive otherwise), hospitalization or medical expenses, trip cancellation or delayed flights, passport loss or loss of checked baggage, and any disruption caused by hijacking. But, depending on your travel objectives, you can choose from a variety of add-ons to supplement your policy coverage.

Verify that all of your belongings are covered

Most travel insurance policies cover all of the stuff that you bring with you. But if you are carrying a pricey item, such as a camera or jewelry, it may not be covered under a basic plan. As a result, you would need to purchase a plan that protects all of your belongings in the event of theft or damage. In other situations, you may need to pay an additional premium to acquire coverage for all of these costly goods. People frequently lose their cell phones while swimming or to pickpockets. In that instance, a travel insurance policy that covers phone losses would be beneficial.

Examine for Deductibles (if any)

Travel insurance plans, like other types of insurance, might have extras or deductibles. That is a proportion of the amount you would have to pay out of your own wallet. Assume your check-in bag did not arrive, and you file a claim for Rs. 50,000 to reimburse the costs. And if the deductible is Rs. 5,000, the insurer will pay you Rs. 45,000 when you file a claim. You will be responsible for the remaining Rs. 5000. Nevertheless, don't buy a plan with a higher deductible simply because the premium is lower; only acquire it if you are confident that you can pay off the excess.

Check out the Claim Help Services

If you're going to Thailand, see if your insurance company has a large network of global aid services in Asian countries. It is highly valuable in times of need, whether it is financial support, medical assistance, or any other condition. To get an idea, read consumer reviews about a specific insurance company or look at their claim settlement ratio. This will ensure that you are not stranded in a moment of need and that assistance is offered to you as soon as possible.

What is not covered by Thailand travel insurance?

We have seen what coverage the Thailand travel insurance plan provides. While living your best life in Thailand, keep the following typical exclusions in mind:

Drugs or alcohol: While Thailand is a popular party destination, insurance companies are unlikely to pay out claims if your judgment was influenced by drugs or alcohol. Recognize your boundaries and stick to them. Be advised that even tiny amounts of illegal substances can result in jail time in Thailand, and punishments for trafficking can include the death penalty.

Pre-existing medical conditions: You must inform your insurance provider of any existing medical conditions. Companies may cover your ailment (usually at a higher price) or give coverage that excludes it. But if you do not reveal your disease and subsequently require treatment, you will not be covered, and your policy may be voided.

Natural disasters: Typically, travel insurance does not cover disruptions caused by natural disasters. Thailand has a rainy season (usually from May to October in most of the nation, but from November to March in Koh Samui in the south), during which excessive rain can create flooding and landslides. Thailand is also vulnerable to earthquakes. Keep an eye on the local weather updates.

Terrorism: Typically, travel insurance does not cover terrorist attacks. It's vital to remember that Thailand has seen a number of terrorist attacks in the past, both in Bangkok and in major tourist regions. Keep an eye out for warnings issued by local officials or the media, and exercise caution in public places, especially on significant dates and holidays.
Traveling against the advice of the Foreign, Commonwealth, and Development Office (FCDO): It is critical to check the FCDO website for changes before you go. If you travel to Thailand or a specific location in Thailand against the advice of the FCDO, it is unlikely that your travel insurance will cover you. At the time of writing, the FCDO advised against all but essential travel to various provinces in Thailand's southern areas, near the Malaysian border.

Tips for Getting the Best Travel Insurance for Thailand from India

The following tips will facilitate your obtaining Thailand travel insurance.

  • Get estimates from various travel insurance providers.
  • Compare your options for Thailand travel insurance online based on coverage, services, features, and pricing.
  • Choose an insurance sum that will protect you financially even in the worst-case scenario.
  • Choose and avoid coverages based on your trip requirements.
  • To avoid problems later, thoroughly grasp and review the claim process.

Location of Indian Embassy in Thailand

As an Indian traveling to Thailand, you can seek emergency assistance from the Embassy there. Here are the contact details for the Indian embassy in Thailand.

Emergency contact: +66-618819218
Regular contact02-2580300-6
Address46, Prasarnmitr, Sukhumvit, Soi 23, Bangkok - 10110
Working daysMonday to Friday (apart from holidays)
Working hours0900 to 1200 hrs

Do Indians require a visa to enter Thailand?

Indeed, Indians must obtain a visa to enter Thailand. Depending on the reason for your visit, you can receive a visa on arrival if you're only coming as a tourist for less than two weeks.

But if you're staying for more than two weeks, going on business, or visiting family and friends, you may need to apply for a Thailand visa before you go.

Is There a Visa on Arrival in Thailand for Indian Citizens?

Yes, Indian citizens can get a visa on arrival in Thailand, provided they meet the following criteria:

  • The trip is solely for tourist purposes.
  • The passport must be authentic and valid for at least 30 days.
  • You must have a genuine address in Thailand, whether it is a hotel or an apartment, that can be verified.
  • You must have a confirmed return ticket to demonstrate that you are leaving Thailand within 15 days after the entrance, as applicable. Open tickets are not eligible.
  • When entering Thailand, you may be requested to show your flight ticket. Failing to prove your return from Thailand in 15 days, will most likely deny your entry to Thailand. 
  • You must also demonstrate that you have at least 10,000 THB per individual and 20,000 THB per family for your time in Thailand.
  • The entry cost is 2,000 THB (INR 4,460) and is subject to change without notice. You must pay only in cash and exclusively in Thai money.

Thailand Entry Requirements For Indians

Indians with valid passports can visit Thailand and take advantage of the visa-on-arrival option. Apart from India, Thailand provides similar services to 18 additional nations. A visa on arrival, on the other hand, has a 30-day validity period for a traveler to stay in the country.

You will require the following documents to enter the country:

  • Thailand travel pass
  • A valid passport is required (Validity must be 6 months more than the duration of your stay in Thailand)
  • Valid visa (either on-arrival or pre-approved)
  • Flight reservation confirmation
  • Evidence of hotel or other lodging reservations
  • A government-issued photo identification document
  • Documents connected to COVID-19 (based on the government guidelines at the time of visit)
FAQs on Thailand Travel Insurance from India

No, travel insurance is not required in Thailand; however, you should consult the official Indian Embassy in Thailand portal for the most up-to-date information.

You need to get international travel insurance for Thailand.

Thailand provides visas on arrival for Indians under the condition that your visit is solely for tourism and that you will not stay for more than two weeks. Also, the passport must be valid for at least six months. The regular visa application rules apply in all other instances.

For two people, the average cost of Thailand travel insurance cost around Rs. 1500 (+)

Yes, you can extend your Thailand travel insurance. Try to contact your insurance provider, and they will help you with the process.

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