Best Travel Insurance for Thailand in 2025

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A. Fruchard
A. Fruchard
updated on July 15, 2025
Table of Contents
  • The Best Travel Insurance for Thailand
  • Is it currently safe to travel to Thailand?
  • Travel insurance requirements for Thailand visas
  • Why Take Out Travel Insurance for Thailand?
  • Travel insurance coverage for Thailand
  • The cost of travel insurance for Thailand
  • Paying Less for Travel Insurance to Thailand
  • Insurance coverage in Thailand: What you need to know
  • FAQ
  • On the same topic
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Travel insurance for Thailand: key takeaways

1. Definition: Travel insurance for Thailand covers medical emergencies, accidents, trip interruptions, and assistance while abroad.
2. Key protection: Travel insurance is not mandatory for US travelers but is strongly recommended due to healthcare costs and risks.
3. Healthcare cost: Private hospital stays in Thailand can cost US travelers from $100 to $300 per night.
4. Price: Basic travel insurance for a one-week Thailand trip costs around $15 to $40 per person.
5. Good to know: Many US health insurance policies do not cover expenses or medical evacuations while traveling abroad, including Thailand.

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Why trust HelloSafe?

HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Thailand.

The Best Travel Insurance for Thailand

Contract we recommendMedical reimbursement limitOur view
HelloTravel Premium
  • $1.0M
Our top choice for Thailand, offering extensive coverage and flexibility.
- high medical limit
- repatriation included
- strong travel assistance
Cap Assistance 24/24
  • $1.0M
Excellent for travelers needing reliable support and rapid response.
- 24/7 helpline
- cancellation cover
- user-friendly conditions
Tourist Card
  • $0.5M
Well-suited for tourism in Thailand, with solid essential protection.
- adequate medical cover
- emergency assistance
- good value
Travel Pass Monde
  • $0.7M
A strong contract for travelers seeking security away from home.
- repatriation covered
- hospital costs
- broad geographical coverage
Globe Partner
  • $0.3M
A dependable solution for international travel basics.
- medical care abroad
- repatriation
- civil liability protection
Globe Traveller
  • $0.5M
Affordable for short or lower-risk trips to Thailand.
- essential medical cover
- fast reimbursement
- limited ceiling
Comparison of recommended travel insurance contracts for Thailand
HelloTravel Premium
Medical reimbursement limit
  • $1.0M
Our view
Our top choice for Thailand, offering extensive coverage and flexibility.
- high medical limit
- repatriation included
- strong travel assistance
Cap Assistance 24/24
Medical reimbursement limit
  • $1.0M
Our view
Excellent for travelers needing reliable support and rapid response.
- 24/7 helpline
- cancellation cover
- user-friendly conditions
Tourist Card
Medical reimbursement limit
  • $0.5M
Our view
Well-suited for tourism in Thailand, with solid essential protection.
- adequate medical cover
- emergency assistance
- good value
Travel Pass Monde
Medical reimbursement limit
  • $0.7M
Our view
A strong contract for travelers seeking security away from home.
- repatriation covered
- hospital costs
- broad geographical coverage
Globe Partner
Medical reimbursement limit
  • $0.3M
Our view
A dependable solution for international travel basics.
- medical care abroad
- repatriation
- civil liability protection
Globe Traveller
Medical reimbursement limit
  • $0.5M
Our view
Affordable for short or lower-risk trips to Thailand.
- essential medical cover
- fast reimbursement
- limited ceiling
Comparison of recommended travel insurance contracts for Thailand
👉 Compare the best travel insurance for freeI compare

Is it currently safe to travel to Thailand?

As of June 2025, the US Department of State advises travelers to exercise normal precautions when visiting Thailand, noting that overall safety conditions remain favorable nationwide. However, increased caution is recommended in some southern provinces due to isolated security incidents.

Here are their four main recommendations.

  • Security risks: while most areas are safe, the provinces of Yala, Pattani, Narathiwat, and Songkhla face periodic violence related to unrest. For example, localized attacks and roadside incidents have occurred in these regions.
  • Health risks: major cities provide good access to medical care, but outside urban areas, facilities may be limited and English-speaking medical staff are rare. During the February–April burning season in the north, air pollution can worsen respiratory conditions.
  • Legal constraints: strict rules apply to prescription medication imports, and travelers have faced penalties for bringing in certain drugs, including common ADHD medications. It is also illegal to disrespect the monarchy, which can result in severe prison sentences.
  • Cultural norms: public display of affection is discouraged, particularly in temples and rural communities. Touching someone’s head, considered sacred in Thai culture, is taboo and may be seen as disrespectful.

Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Thailand.

Travel insurance requirements for Thailand visas

No, travel insurance is not mandatory for US travelers to obtain a visa to go to Thailand.

However, it is strongly recommended because medical providers in Thailand require payment up front, and the US Embassy cannot cover these costs. Health care expenses, medical evacuation, and possible repatriation can be significant, especially outside major cities.

According to our data, 80% of travelers purchase travel insurance before going to Thailand. This is mainly due to the expense of emergency health care and the limited support US citizens may receive in some regions.

Why Take Out Travel Insurance for Thailand?

It is an essential financial and medical protection for anyone going to Thailand.

Private hospitals in Bangkok such as Bumrungrad International Hospital or Samitivej Sukhumvit are among the most advanced in Southeast Asia, but their prices are high and payment is required in advance. Public hospitals can be crowded and have limited English-speaking staff, especially outside tourist areas. Foreigners rarely have access to subsidized public care and usually use private facilities, which can be expensive.

Travel insurance covers medical expenses, hospitalization, medications, ambulance transportation, and emergency repatriation to the US in case of a serious issue.

Here are some examples of healthcare costs in Thailand.

Example of medical treatmentCost at Bumrungrad International HospitalCovered by travel insurance
I have to be hospitalized 48 hours after contracting an infection80,000 THB (2,200 USD)up to 100%
I broke my tibia (X-ray, cast, and crutch rental)60,000 THB (1,650 USD)up to 100%
I need to be repatriated1,000,000 THB (27,500 USD)up to 100%
I have appendicitis (consultation and surgery)250,000 THB (6,800 USD)up to 100%
Medical treatment costs and insurance coverage at Bumrungrad International Hospital
I have to be hospitalized 48 hours after contracting an infection
Cost at Bumrungrad International Hospital
80,000 THB (2,200 USD)
Covered by travel insurance
up to 100%
I broke my tibia (X-ray, cast, and crutch rental)
Cost at Bumrungrad International Hospital
60,000 THB (1,650 USD)
Covered by travel insurance
up to 100%
I need to be repatriated
Cost at Bumrungrad International Hospital
1,000,000 THB (27,500 USD)
Covered by travel insurance
up to 100%
I have appendicitis (consultation and surgery)
Cost at Bumrungrad International Hospital
250,000 THB (6,800 USD)
Covered by travel insurance
up to 100%
Medical treatment costs and insurance coverage at Bumrungrad International Hospital

These prices are given as an indication and may vary depending on the facilities and regions.

It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.

Travel insurance coverage for Thailand

Here is a summary table of the main coverages you should look for in a travel insurance policy for Thailand.

Main coveragesExplanations and recommendations
🏥 Medical expensesCovers hospital, specialist fees, surgery, and prescribed medications.
Recommended limit: at least $100,000 due to high private clinic costs in Thailand.
🚑 Medical evacuation and repatriationPays for medically necessary transportation or return to the US for treatment after a serious illness or accident.
Recommended limit: at least $200,000.
🛏️ HospitalizationIncludes all hospital costs and services (room, nursing, surgery).
Recommended limit: at least $50,000.
💊 Emergency dental careCovers urgent dental treatment following an accident or infection.
Recommended limit: at least $1,000.
✈️ Trip cancellation or interruptionReimburses lost non-refundable expenses (hotels, flights) in case of illness or serious family event.
Recommended limit: at least $2,000 per person.
🎒 Baggage and personal effects loss/theftCompensates for lost, stolen, or damaged luggage and valuables.
Recommended limit: $1,500 per trip.
⚖️ Civil liabilityProtects if you unintentionally cause damage to others or property.
Recommended limit: at least $50,000.
👨‍👩‍👧‍👦 Assistance and 24/7 supportOffers round-the-clock multilingual assistance in emergencies.
No dollar limit, but ensure this service is included.
Main coverages, explanations, and recommendations for travel insurance.
🏥 Medical expenses
Explanations and recommendations
Covers hospital, specialist fees, surgery, and prescribed medications.
Recommended limit: at least $100,000 due to high private clinic costs in Thailand.
🚑 Medical evacuation and repatriation
Explanations and recommendations
Pays for medically necessary transportation or return to the US for treatment after a serious illness or accident.
Recommended limit: at least $200,000.
🛏️ Hospitalization
Explanations and recommendations
Includes all hospital costs and services (room, nursing, surgery).
Recommended limit: at least $50,000.
💊 Emergency dental care
Explanations and recommendations
Covers urgent dental treatment following an accident or infection.
Recommended limit: at least $1,000.
✈️ Trip cancellation or interruption
Explanations and recommendations
Reimburses lost non-refundable expenses (hotels, flights) in case of illness or serious family event.
Recommended limit: at least $2,000 per person.
🎒 Baggage and personal effects loss/theft
Explanations and recommendations
Compensates for lost, stolen, or damaged luggage and valuables.
Recommended limit: $1,500 per trip.
⚖️ Civil liability
Explanations and recommendations
Protects if you unintentionally cause damage to others or property.
Recommended limit: at least $50,000.
👨‍👩‍👧‍👦 Assistance and 24/7 support
Explanations and recommendations
Offers round-the-clock multilingual assistance in emergencies.
No dollar limit, but ensure this service is included.
Main coverages, explanations, and recommendations for travel insurance.

Travel insurance from local providers or bank cards usually comes with limited coverage, low reimbursement limits, and many exclusions. For peace of mind, choose a trusted insurer with full coverage and compare the best options on HelloSafe to subscribe online and receive instant certification.

The cost of travel insurance for Thailand

Trip durationTraveler’s ageIndicative price per person
1 week25 years old$23
2 weeks45 years old$37
1 month35 years old$57
1 month70 years old$135
Trip duration, age and price
1 week
Traveler’s age
25 years old
Indicative price per person
$23
2 weeks
Traveler’s age
45 years old
Indicative price per person
$37
1 month
Traveler’s age
35 years old
Indicative price per person
$57
1 month
Traveler’s age
70 years old
Indicative price per person
$135
Trip duration, age and price

These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.

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Good to know

The cost of travel insurance is influenced by several factors: age of the traveler, trip duration, destination, type of coverage, and cancellation options. Highest risk or longer trips usually mean higher prices. It's essential to keep these factors in mind when comparing policies, so you select the right coverage at a price that matches your specific needs.

💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.

👉 Compare the best travel insurance for freeI compare

Paying Less for Travel Insurance to Thailand

Here are some suggestions to optimize the cost of your travel insurance to Thailand while keeping good coverage:

CriteriaWhy it mattersExpert tip
🧳 Trip durationThe longer the stay, the higher the premium, especially for holidays over several weeks.Choose coverage just for your actual travel dates, not more, to avoid extra cost.
👤 Traveler's ageInsurance rates usually rise for older travelers.Heymondo does not raise prices for travelers over 62, making it cost-effective for seniors.
🏥 Level of coverageHigher reimbursement limits raise the price but may be necessary due to private hospital costs.Select a policy with essential coverages but avoid excessive benefit amounts you do not need.
🚫 Activities coveredAdventure sports and certain activities are common but increase risk and cost.Only add sports or activities you truly plan to do. Exclude unnecessary options.
🗺️ Geographical scopeWorldwide coverage costs more. Thailand-only is generally sufficient for single-country trips.Pick a Thailand-only or Southeast Asia policy if you will not visit other countries.
👥 Number of travelersFamily or group insurance may offer discounts compared to separate individual plans.Compare family or group offers if traveling with others, as it may reduce costs per person.
💳 Payment termsAnnual multi-trip coverage is sometimes cheaper than multiple single-trip policies.If you travel often, compare annual plans with single-trip to see which is cheaper for you.
Travel Insurance Tips
🧳 Trip duration
Why it matters
The longer the stay, the higher the premium, especially for holidays over several weeks.
Expert tip
Choose coverage just for your actual travel dates, not more, to avoid extra cost.
👤 Traveler's age
Why it matters
Insurance rates usually rise for older travelers.
Expert tip
Heymondo does not raise prices for travelers over 62, making it cost-effective for seniors.
🏥 Level of coverage
Why it matters
Higher reimbursement limits raise the price but may be necessary due to private hospital costs.
Expert tip
Select a policy with essential coverages but avoid excessive benefit amounts you do not need.
🚫 Activities covered
Why it matters
Adventure sports and certain activities are common but increase risk and cost.
Expert tip
Only add sports or activities you truly plan to do. Exclude unnecessary options.
🗺️ Geographical scope
Why it matters
Worldwide coverage costs more. Thailand-only is generally sufficient for single-country trips.
Expert tip
Pick a Thailand-only or Southeast Asia policy if you will not visit other countries.
👥 Number of travelers
Why it matters
Family or group insurance may offer discounts compared to separate individual plans.
Expert tip
Compare family or group offers if traveling with others, as it may reduce costs per person.
💳 Payment terms
Why it matters
Annual multi-trip coverage is sometimes cheaper than multiple single-trip policies.
Expert tip
If you travel often, compare annual plans with single-trip to see which is cheaper for you.
Travel Insurance Tips

Insurance coverage in Thailand: What you need to know

It is completely reasonable to question whether your current coverage—such as credit card insurance or a public health plan—can protect you while traveling in Thailand. Unfortunately, these options often offer limited or insufficient coverage. Here is a summary table to help you review your current insurance and what it covers.

Type of insuranceValid in Thailand?What it coversWhy Travel Insurance is better
Public health insurance (Medicare, Medicaid)No, neverNo coverage for any healthcare costs outside the US or its territoriesTravel insurance covers up to $500,000 or more in medical care and emergency repatriation
Private health insurance (Aetna, Blue Cross, UnitedHealthcare)Yes, partlyEmergency medical, reimbursement often up to $50,000, usually excludes medical evacuation, trip cancellation, or lost luggageTravel insurance covers $100,000-$1,000,000, includes hospital fees, repatriation, and baggage/trip interruption
Classic credit card (Visa Classic, Mastercard Standard, Discover)Yes, partlyAccident/medical up to $2,500–$10,000, may not cover evacuation, delays, or trip cancellationTravel insurance covers $100,000+, evacuation, hospital stays, cancellation, and round-the-clock assistance
Premium credit card (Chase Sapphire Preferred, Amex Gold, Citi Prestige)Yes, partlyMedical costs up to $100,000, limited delay/loss benefits, stricter requirements for claim approvalTravel insurance reimburses $500,000+, covers pre-existing conditions and 24/7 worldwide emergency support
Comparison of different types of insurance and their coverage in Thailand, highlighting the benefits of travel insurance.
Public health insurance (Medicare, Medicaid)
Valid in Thailand?
No, never
What it covers
No coverage for any healthcare costs outside the US or its territories
Why Travel Insurance is better
Travel insurance covers up to $500,000 or more in medical care and emergency repatriation
Private health insurance (Aetna, Blue Cross, UnitedHealthcare)
Valid in Thailand?
Yes, partly
What it covers
Emergency medical, reimbursement often up to $50,000, usually excludes medical evacuation, trip cancellation, or lost luggage
Why Travel Insurance is better
Travel insurance covers $100,000-$1,000,000, includes hospital fees, repatriation, and baggage/trip interruption
Classic credit card (Visa Classic, Mastercard Standard, Discover)
Valid in Thailand?
Yes, partly
What it covers
Accident/medical up to $2,500–$10,000, may not cover evacuation, delays, or trip cancellation
Why Travel Insurance is better
Travel insurance covers $100,000+, evacuation, hospital stays, cancellation, and round-the-clock assistance
Premium credit card (Chase Sapphire Preferred, Amex Gold, Citi Prestige)
Valid in Thailand?
Yes, partly
What it covers
Medical costs up to $100,000, limited delay/loss benefits, stricter requirements for claim approval
Why Travel Insurance is better
Travel insurance reimburses $500,000+, covers pre-existing conditions and 24/7 worldwide emergency support
Comparison of different types of insurance and their coverage in Thailand, highlighting the benefits of travel insurance.
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Example

On vacation in Thailand, John suffered a motorcycle accident, needing emergency surgery in Bangkok costing $18,000. His Chase Sapphire Preferred credit card only reimbursed $2,500, and his U.S. health insurance barely contributed due to international restrictions. John had to cover more than $15,000 out of pocket—turning his holiday into a financial nightmare.

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Expert advice

Always review your insurance’s terms, exclusions, and limits. Critical scenarios, like trip interruption due to a family member’s illness or death, might not be covered. Carefully read the conditions to prevent unpleasant surprises during your trip. For full peace of mind, purchasing specialized travel insurance tailored to your journey is safest and most reassuring.

FAQ

Do I need a visa to travel to Thailand?

US citizens do not need a visa for tourism stays up to 60 days in Thailand but must have a passport valid for at least six months beyond entry. Pre-arrival online registration may be required before travel. For longer stays, work, or business, the appropriate Thai visa must be obtained.

How do I purchase travel insurance for Thailand?

Start by comparing plans using the HelloSafe travel insurance comparison tool. Carefully check what each policy covers and excludes, with special attention to protections for Thailand, such as motorcycle coverage and medical evacuation. Purchase your preferred plan online, then receive your travel insurance certificate by email.

What medical coverage should I have for Thailand?

Medical care in Thai cities is good but can be expensive for foreigners. It is recommended to have at least $100,000 in emergency medical coverage, including medical evacuation. Check that your insurance covers risky activities like riding scooters, a common cause of accidents among tourists.

Does travel insurance cover natural disasters in Thailand?

Travel insurance policies usually cover emergency treatment and evacuation if you are affected by events such as floods, earthquakes, or typhoons. Always verify that natural disasters are not excluded from your policy and confirm the reimbursement limits for evacuation costs.

Can I extend my travel insurance if I stay in Thailand longer?

Most insurers let you extend your coverage online before your original policy expires, provided you have not made a claim. This may require an additional premium and offer the same or adjusted coverage limits. Always confirm extension terms with your insurer before travel.

What is excluded from most travel insurance policies for Thailand?

Policies often exclude incidents relating to pre-existing conditions, injuries from risky activities not declared when buying, losses from illegal acts, or claims made in regions with official travel advisories. Carefully read the terms and exclusions of any plan before purchasing.

Do I need a visa to travel to Thailand?

US citizens do not need a visa for tourism stays up to 60 days in Thailand but must have a passport valid for at least six months beyond entry. Pre-arrival online registration may be required before travel. For longer stays, work, or business, the appropriate Thai visa must be obtained.

How do I purchase travel insurance for Thailand?

Start by comparing plans using the HelloSafe travel insurance comparison tool. Carefully check what each policy covers and excludes, with special attention to protections for Thailand, such as motorcycle coverage and medical evacuation. Purchase your preferred plan online, then receive your travel insurance certificate by email.

What medical coverage should I have for Thailand?

Medical care in Thai cities is good but can be expensive for foreigners. It is recommended to have at least $100,000 in emergency medical coverage, including medical evacuation. Check that your insurance covers risky activities like riding scooters, a common cause of accidents among tourists.

Does travel insurance cover natural disasters in Thailand?

Travel insurance policies usually cover emergency treatment and evacuation if you are affected by events such as floods, earthquakes, or typhoons. Always verify that natural disasters are not excluded from your policy and confirm the reimbursement limits for evacuation costs.

Can I extend my travel insurance if I stay in Thailand longer?

Most insurers let you extend your coverage online before your original policy expires, provided you have not made a claim. This may require an additional premium and offer the same or adjusted coverage limits. Always confirm extension terms with your insurer before travel.

What is excluded from most travel insurance policies for Thailand?

Policies often exclude incidents relating to pre-existing conditions, injuries from risky activities not declared when buying, losses from illegal acts, or claims made in regions with official travel advisories. Carefully read the terms and exclusions of any plan before purchasing.

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A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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