Travel Insurance Expert and Head of Communications
Last updatedDecember 5 2025
10 min read
Whether you’re unwinding on Banana Beach, exploring the Grand Palace in Bangkok, or hiking the Inthanon Heaven Trail, our Thailand travel insurance has you covered every step of the way. With over 27 million travellers insured over the past 25 years and 5-star Defaqto-rated cover, you can book with InsureandGo knowing you’re in safe hands, so you can go without the doubt.
What is travel insurance for Thailand, and why do you need it?
You never want to consider it happening, but it’s always best to think about how you’d deal with a worst-case scenario. In a story reported recently by the Association for British Insurers (ABI), a traveller visiting Thailand suffered a serious blood infection and needed intensive medical treatment and an air ambulance back to the UK. The total bill was £250,000, which was covered by the traveller’s insurer.
Our travel insurance for Thailand covers a range of unexpected events, from lost luggage to medical emergencies. With a policy like ours in your back pocket, all you need to do is switch off, relax, and focus on exploring the Land of Smiles.
Our 24-hour emergency assistance team is available day or night, so you always have someone to speak to.
We consider all pre-existing medical conditions. We trust you know what you can manage and will do our best to cover your dream trip.
We’re here to support you with the best travel insurance policy for your trip to Thailand. We’ve helped over 27 million travellers get cover, and 99% would consider buying from InsureandGo again1.
What does InsureandGo’s Thailand travel insurance cover?
We strive to provide as much cover as possible. However, there are some situations that no travel insurance will cover. For example:
You cannot cover events or reasons to claim that took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go
We will consider all pre-existing medical conditions – find out more about medical travel insurance. The excess and the amount of cover available will vary depending on the level of travel insurance you buy. To check the policy exclusions and what is and isn’t included, take a look at our policy wording.
The best travel insurance for Thailand
Looking for the best travel insurance for Thailand? We have a wide range of policies to choose from:
Worldwide annual multi-trip cover: If Thailand is just one of several destinations you’re visiting over the next 12 months, a worldwide policy is the perfect choice. It covers multiple trips, so you’re protected wherever your travels take you.
Activities cover: Our policies include cover for over 100 activities as standard, with optional add-ons if your plans get a little more adventurous. Whether you’re abseiling in Railay or joining a Zumba class in Bangkok, we’ve got you covered, whatever your pace. Thinking of something more adrenaline-fuelled? You can upgrade your policy to include extreme sports cover, so you’re protected while making unforgettable memories.
Family travel insurance for Thailand: Holiday cover for every member of the family, all under the same policy – simple! Cover every generation, from kids to grandparents (and even great-grandparents).
Choose a cover level to suit your travel needs
Black
Gold
Silver
Medical expenses and repatriation
Unlimited
£15 million
£10 Million
Cancellation and curtailment
£10,000
£7,500
£5,000
Travel delay
Up to £650
Up to £540
Up to £450
Personal belongings
£5,000
£2,500
£2,000
Legal Expenses
£60,000
£50,000
£15,000
Standard Excess
Nil
£50
£60
Travel advice for Thailand
Thailand has a high number of road traffic accidents, and, as moped travel is a popular method of getting around, injuries can be significant. Take safety precautions – if you’re injured on a moped and weren’t wearing a helmet, your insurer likely won’t cover your medical expenses. Think about how you’ll be getting around, whether you’re travelling to any remote locations or touring any animal sanctuaries, and make sure your policy covers you for even the unusual. Monkeys are very cute, but they have been known to steal phones and bite!
The air quality in Thailand can be poor, especially in densely populated cities. For anyone with asthma or other respiratory conditions, we recommend taking extra precautions.
Zika, rabies and dengue fever are prevalent in Thailand. Mosquitos can be hard to avoid, so make sure all your vaccinations are up to date and speak to us if you have any specific concerns.
Thailand travel insurance with pre-existing medical conditions
Securing travel insurance for medical conditions can be a concern, but there’s no need to worry. We’ll consider any medical condition and do our best to provide the best possible cover. Just follow our simple online screening process when you buy your policy, either over the phone or online.
Examples of medical conditions we can cover include:
There’s so much to think about when planning a holiday. Luckily, you can get your travel insurance for Thailand sorted in just two steps.
1. Let us know a little info
We need to know a bit about your holiday, who you want to cover, and when you want the policy to start. We will also ask you for information about any pre-existing medical conditions. This helps us provide you with the right level of cover.
It’s quick and easy to give us this information. Either contact us online or by calling our team:
We’ll give you your quote, and you can either choose to buy a policy or save the details for later.
Our experts say…
“Thailand is a beautiful country, rich in culture and steeped in history. Whether it’s your first visit or you’re a seasoned traveller, it’s important to have the right Thailand travel insurance in place to protect you from any unexpected interruptions. Get in touch with our friendly team – we’ll answer your questions and help you find the right cover for all the destinations and activities on your wish list.”
“Outstanding professional service provided by the young lady who patiently dealt with my quote and subsequent purchase for a single trip to Thailand. Very competitive quote. Very pleased indeed. Thank you, Jade.”
For any safety risks, especially around terrorism or crime alerts, we recommend the government’s website. The threat level is regularly updated, and they give a profile of the crime likely to affect tourists, such as pickpocketing, the theft of goods and ID documents, and drink spiking.
Do I need a visa to travel to Thailand from the UK?
Your passport must be valid for at least 6 months to enter Thailand. British travellers don’t need a visa if they’re staying for 30 days or less, but please check the UK government’s website for the most up-to-date entry requirements for Thailand.
Do I need travel insurance to travel to Thailand?
Travel insurance isn’t mandatory to enter Thailand, but hospitals and clinics will need a guarantee of payment in advance of any treatment. A travel insurance policy is usually accepted as a guarantee, so if you don’t have cover, you could face high costs you have to pay upfront if you need a doctor’s appointment or even surgery.
You need a worldwide policy to travel to Thailand, and there are a few options you can choose from, depending on whether you’re buying a single trip policy or you’re travelling anywhere else.
What travel insurance you’ll need ultimately depends on what you’re doing and who’s going with you. For added extras, such as extreme sports, winter sports, cruises or golf trips, we offer specialised add-ons you can include on your policy. We also offer family plans if you’re going with your family.
What vaccines do I need for Thailand?
About two months before you travel, you should check what vaccinations are recommended for travel to Thailand on TravelHealthPro.
You can usually arrange to have vaccines done by your GP surgery or from a private provider. Make sure you book them in plenty of time to travel.
Can you help if I need medical help while in Thailand?
Absolutely. When you take out a policy with us, you can contact a real person 24-hours a day. We can help you find a medical provider, can provide guidance if your trip is interrupted or cancelled, and can talk you through what to do if your baggage is lost.
We don’t want anything to ruin your dream holiday. Contact us day or night.
Do I need additional cover for sports and leisure activities in Thailand?
All our policies include up to 100 sport and leisure activities as standard. If your trip is walking a little more on the wild side, we offer winter sports and extreme sports add-ons. If you’re golfing or going on a cruise, we also offer specialist cover. Whatever you need, you can go without the doubt when you pick a policy with InsureandGo.
Who can buy an InsureandGo Thailand travel insurance policy?
All our travel insurance for Thailand policies are available to UK residents. This means:
Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
They must be in the UK at the time of purchase
All trips must start and end in the UK
Unfortunately, we can’t provide cover to anyone who doesn’t fit this description.
