Cheapest Travel Insurance for Thailand (2024): Best For Bangkok, Phuket & More

Just north of Malaysia and about 2.5 hours away by plane, you’ll find yourself in Thailand, the Land of Smiles!

Known for its warm hospitality, rich culture, vibrant food scene, bustling markets, and beautiful landscapes, Thailand is a beloved destination for Singaporean travellers.

Whether you’re exploring Bangkok‘s bustling markets, the scenic beaches of Phuket or Krabi, or the ancient temples of Chiang Mai, travel insurance is a key part of your trip planning.

Travel insurance can safeguard you against unforeseen events, including natural disasters like earthquakes and tsunamis, theft or loss of personal belongings, unexpected medical emergencies, travel delays, and cancellations.

If you’re heading there soon, here are some affordable travel insurance options!

TL;DR: Cheapest Travel Insurance for Thailand (2024)

What’s in this article:

• What coverage do you need to travel to Thailand?
• Cheapest travel insurance to Thailand (2024)
• FAQs about travel insurance

Disclaimer: The Information provided by Seedly does not constitute an offer or solicitation to buy or sell any insurance product(s). It does not take into account the specific objectives or particular needs of any person. We strongly advise you to seek advice from a licensed insurance professional before purchasing any insurance products and/or services.

What Coverage Do You Need When Travelling to Thailand?

Besides the usual flight cancellation, flight delay, trip disruption/postponement, overseas medical expenses, and personal accidents, there are some other coverages that you should not overlook for an overseas trip to Thailand:

• Delayed or Lost Baggage
• Personal Money or Cash

If you’re headed to coastal areas such as Phuket and will be doing water sports such as scuba diving, getting coverage for leisure or adventure activities is important.

And if you’re planning on driving, ensure you’re covered for car rental excess & return, as well as personal liability!

And while we’re on it, even though COVID-19 is a thing of the past, if you’re worried about catching the virus overseas due to past (horrible) experiences, you can either opt in for this coverage or look out for one that automatically adds it without you topping up the extras.

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Best Travel Insurance for Thailand (2024)

I’ve shortlisted the most value-for-money travel insurance for a 5-day trip in this section.

For those who are driving, these are the cheapest travel insurance you can find:

And for those who do not require any car rental excess or return coverage, these are your cheapest options:

While the prices don’t seem to differ too much, you may want to check out existing promotions on SeedlyReviews so that you don’t miss them out.

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FAQs about travel insurance

Do You Still Need COVID-19 Coverage?

Whether you need COVID-19 coverage in your travel insurance depends on your specific travel plans, the current situation, and your personal risk tolerance.

Here are a few factors to consider when deciding whether to include COVID-19 coverage in your travel insurance:

1. Current COVID-19 Situation: Monitor the current COVID-19 situation in both your home country and Thailand. Check for any travel advisories or restrictions related to the pandemic.
2. Travel Plans: Consider your travel plans, including whether you are likely to be in crowded areas, attend large events, or engage in activities that may increase your risk of exposure.
3. Medical Expenses: Although COVID-19 cases may be less prevalent now, you may face significant medical expenses if you contract the virus overseas. Do check if your regular health insurance covers medical expenses abroad, particularly for COVID-19 treatment.
4. Trip Disruption: Consider how COVID-19 might affect your trip, such as trip cancellation, trip interruption, or quarantine requirements. COVID-19 coverage in travel insurance can help you recover costs related to these disruptions.
5. Entry Requirements: Some countries may have specific entry requirements related to COVID-19, such as proof of insurance covering COVID-19-related costs or quarantine measures. At the top of my mind, Myanmar and Qatar are some countries that meet this requirement.
6. Peace of Mind: Including COVID-19 coverage in your travel insurance may provide peace of mind, as you’ll know you’re protected against unexpected events related to the pandemic.

How to Submit Travel Insurance Coverage?

Bottom line: Read the fine print and stay informed to avoid any bumps when you need to cash in on that insurance.

Check out this complete guide on how you can make a claim:

Do note it’s important to read through the terms and conditions as there might be instances where your claims may be denied.

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