Best Travel Insurance Thailand 2025 â Cover Your Bangkok, Phuket, or Chiang Mai Trip
Thailand is a popular travel destination for many Singaporeans and being just a mere 2.5-hour away by flight, it makes it even faster for us to get there for a quick getaway or even business-related events.
Whether itâs Bangkok, Phuket or up north in Chiang Mai, Thailand has many tourist-friendly spots with affordable and fantastic options for shopping and dining. Plus, the coastal areas offer beautiful resorts and opportunities for sea sports. Wherever youâre planning to go, do remember to buy your travel insurance as itâll cover you for any unexpected events or natural disasters such as earthquakes and tsunamis.
Travel Requirements To Enter Thailand
VISA application
- Visa-free entry
According to the Royal Thai Embassy in Singapore, travellers from over 30 countries which are on a “Visa Exemption Scheme” agreement with Thailand, do not need to apply for a visa to enter Thailand as a tourist for a single entry. This is only if you’re staying in Thailand for less than 30 days.
- Single entry Tourist visa
If your country is not on the “Visa Exemption Scheme” list, you may apply for the single entry tourist visa to enter Thailand once within 3 months from the date of your application, and it is valid for a maximum of 60 days.
- Business/working visa
Also known as Non-Immigrant Visa-B, this business/working entry visa is valid for a longer staying period of 90 days and for those who have businesses in Thailand, are investors of condominiums in Thailand or have a Thai bank account and/or purchased a Thai government bond with the equivalent amount of not less than 3 million Baht.
- Tourist Medical Treatment visa
This is only for travellers who need to receive medical treatment in Thailand (excluding treatments for COVID-19), including their travel companions i.e. no more than 3 immediate family members.
- Special Tourist visa and others
Specially designed for yacht owners, Master of Yacht, crews and Non-Thai travellers who travel to Thailand by yachts and stay in Thailand for a period up to 90 days (can be extended 2 times, 90 days each), this visa requires a revision every 15 days by the Ministry of Public Health of Thailand. Other types of visa include Elite Visa, SMART Visa and more which you can find out at the Thai Embassy website.
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How To Choose Travel Insurance For Your Thailand Trip?
Here are 5 steps to help you get started:
Get sufficient coverage
Check if you have any pre-existing conditions
Having a travel insurance plan will give you in-patient hospitalisation expenses overseas coverage that allows you to claim for medical, surgical, nursing or hospital charges, emergency medical evacuation and repatriation coverage, will prepare you better for such unexpected situations.
Take a look at different policy premiums
Be prepared with extreme sports coverage
Consider coverage for terrorism, theft, damage or loss of baggage and more
Best Thailand Travel Insurance
How does travel insurance coverage come in handy when natural disasters or unexpected events happen?
Damaged/lost baggage reimbursements
Trip cancellations and delays coverage
Medical expenses coverage
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Best Thailand Travel Insurance Benefits Coverage
It could be affordable premiums or pre-existing conditions coverage or even the highest overseas medical coverage in the market that is the most attractive and beneficial factor to you as you decide on the most suitable plan for your Thailand trip. Before you really hit the âApply Nowâ button to buy that travel insurance plan, letâs see whatâs available for the various specific types of coverage, which can be useful if youâre still unsure of whatâs best for you and your travel companions.
*Estimated premium rates are based on a 5D4N single trip plan to Thailand
What Is The Average Cost Of A Travel Insurance To Thailand?
With a plethora of travel insurance plans out there that offer varying coverage benefits at different price points, it can be a little overwhelming trying to do a comparison all by yourself. So weâd like to give you a hand at this. All you have to do is to choose one that suits you best by comparing the best travel insurance on Moneysmart.
To make things easier to understand, hereâs an example to illustrate (with our round-up of the 6 best travel insurance plans with COVID-19 coverage for Thailand). Assuming that youâre going for a 4D3N Bangkok vacation with your friends, and youâre getting a single trip insurance plan for yourself.
Average Cost Of A Travel Insurance For A Thailand Trip
| Travel insurance provider | Overseas medical expenses | Post-trip medical expenses | Loss/damage of personal baggage | Trip cancellation | Total premium |
|---|---|---|---|---|---|
| Travel insurance providerBubblegum | Overseas medical expensesUp to $100,000 | Post-trip medical expensesUp to $10,000 | Loss/damage of personal baggageUp to $3,000 | Trip cancellationUp to $5,000 | Total premium$34 |
| Travel insurance providerSinglife | Overseas medical expensesUp to $250,00 | Post-trip medical expensesUp to $10,000 | Loss/damage of personal baggageUp to $3,000 | Trip cancellationUp to $5,000 | Total premium$36 |
| Travel insurance providerAllianz | Overseas medical expensesUp to $200,000 | Post-trip medical expensesUp to $10,000 | Loss/damage of personal baggageUp to $3,000 | Trip cancellationUp to $5,000 | Total premium$36 |
| Travel insurance providerStarr | Overseas medical expensesUp to $200,000 | Post-trip medical expensesUp to $15,000 | Loss/damage of personal baggageUp to $3,000 | Trip cancellationUp to $5,000 | Total premium$30 |
| Travel insurance providerAIG | Overseas medical expensesUp to $100,000 | Post-trip medical expensesN.A. | Loss/damage of personal baggageUp to $3,000 | Trip cancellationUp to $5,000 | Total premium$38 |
| Travel insurance providerFWD | Overseas medical expensesUp to $200,000 | Post-trip medical expensesUp to $6,000 | Loss/damage of personal baggageUp to $3,000 | Trip cancellationUp to $7,500 | Total premium$22 |
| Travel insurance providerBubblegum | Overseas medical expensesUp to $100,000 | Post-trip medical expensesUp to $10,000 | Loss/damage of personal baggageUp to $3,000 | Trip cancellationUp to $5,000 | Total premium$34 |
| Travel insurance provider*Estimated premium rates are based on a 4D3N single trip plan to Bangkok, data last updated on 3 October 2023. | Overseas medical expenses | Loss/damage of personal baggage | Trip cancellation | Total premium |
Looking at the 6 travel insurers, we can see that there are differences and similarities in terms of certain benefits and how their premiums vary. The average cost of a travel insurance plan with COVID-19 coverage for a 4D3N Bangkok trip is about $33, assuming that we take the most basic plan offered by each travel insurance provider.
Estimated average cost of a travel insurance plan:
$34 + $36 + $36 + $30 + $38 + $22 = $196
$196 Ă· 6 = $32.67
If you have a preference for a more extensive coverage for medical expenses in the situation that you or your travel companions get diagnosed with COVID-19, Singlifeâs Travel Lite plan will give you the highest coverage limit of $250,000 among the above 6 plans.
More cost-efficient options would be FWD, Bubblegum and Starr as they offer more affordable premiums. Despite offering lower premiums than Allianz and AIG, the medical expenses coverage by Starrâs most basic plan is quite comprehensive with a generous limit of $200,000, which is decent considering that there are others with a maximum claim benefit of up to only $100,000.
Frequently Asked Questions
Is it safe to travel to Bangkok?
- It is generally safe to travel to Bangkok, Thailand. However, stay vigilant and beware of conmen and pickpockets when going to crowded areas. When doing sea sports, go to licensed operators. In the event of a terrorist attack, follow instructions by official authorities.
Can you get travel insurance when already abroad?
- Technically, you can. However, many travel insurance providers impose restrictions on trip cancellation claims when known events are announced. This means that if you have not bought your travel insurance for your trip, you would not be able to claim for trip cancellation even if there is a valid reason such as a terrorist attack or natural disaster (e.g. tsunami). Therefore, it's always wise to buy travel insurance right after you confirm your travel plans.
Where do I get COVID-19 coverage for my travel insurance?
- You can either get COVID-19 coverage as an add-on benefit or as part of an existing insurance plan, through your preferred travel insurance mobile app, website or insurance agent. Some travel insurance companies provide COVID-19 coverage as an add-on benefit to an existing plan, while others include COVID-19 coverage benefits in their range of travel insurance plans.
Is it a must to provide proof of adequate finances during my stay in Thailand as a tourist?
- Yes. If youâre applying for a tourist visa, you must provide proof of adequate finances equivalent to at least 20,000 Baht per person or 40,000 Baht per family. For on-arrival-visa tourists, proof of adequate finances equivalent to at least 10,000 Baht per person or 20,000 Baht per family is required.
Can I still enter Thailand if my passport expires 6 months before my trip?
- It is a high probability that you will not be able to enter based on the requirements of Thailand. A pro tip (risky one), if your passport expires in less than 6 months before your trip, go for a manual check in instead of the self service check in and explain your situation to the counter staff, you may or may not be granted permission to leave Singapore. However, it is good practice to renew your passport at least 6-9 months before your passport expiry date for a better peace of mind.