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Home » Travel insurance » Thailand Travel Insurance

Travel Insurance for Thailand

Thailand is a paradise, with incredible coastlines looking out at jungle-topped islands, jutting from azure waters. The cuisine is spicy, refreshing and almost as bountiful as its astonishing sacred spaces – gleaming temples and golden Buddhas are scattered across cities and the country’s rural heartland.

Whether you’re enjoying the gentle surf on Thailand’s incredible beaches, partying on Ko Phi-Phi or recuperating at a health resort on Ko Samui, you’ll need quality travel insurance to cover such a great trip! Here’s what to look for in travel insurance for Thailand…

Do You Need Medical Travel Insurance for Thailand?

In short: yes! It’s always a good idea to take out medical travel insurance for Thailand.

Because while food, drink and accommodation can come cheap and there is some state healthcare available for minor problems, emergency treatment can still be very costly.

For example, The Association of British Insurers (ABI) revealed that it cost one UK holidaymakers £137,000 to treat a fractured spine resulting from a bathroom fall in Thailand – including repatriation to the UK. Whilst that figure may seem staggering, AllClear offer emergency medical expenses cover of up to £15,000,000 per person and include repatriation to the UK as standard cover – letting you forget about juggling claims costs, and more importantly focus on enjoying your trip.

Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Up to £15m
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Extended cover 30 days FREE 30 days FREE 30 days FREE
Friend or relative to travel from your home area to stay with you if you fall ill with Covid-19 Up to £2k Up to £2k Up to £2k
Travel Delay Up to £100 Up to £350 Up to £500
Recuperation stay
Cost of return flight due to COVID-19
Personal Belongings Up to £2k Up to £2.5k Up to £3k
Personal liability Up to £2m Up to £2m Up to £2m
Legal protection cover Up to £50k Up to £50k Up to £100k
* If you buy a policy which includes cancellation cover
All these figures are per person and per trip

Will you be covered if you’re travelling during the COVID-19 pandemic?

There are three things to check so that you can make sure you're covered:

  • You must be fit to travel
  • The FCDO must NOT have advised against travel to your destination - check the FCDO travel advice
  • You must follow the local government advice for your destination, checking and following their guidelines and entry requirements

You can then be covered for emergency medical expenses and cancellation for a positive diagnosis of COVID-19, with AllClear travel insurance with enhanced Coronavirus cover. Existing policyholders should read our Frequently Asked Questions if your trip is affected by Covid-19.

5 More Points to Consider for Your Thailand Travel Insurance

  • Did you know travel insurance may be compulsory for Thailand soon? As of mid-2019, the Thai government is considering making travel insurance compulsory, with tourists obliged to buy a special policy from the airport according to a report in The Telegraph

  • Is your travelling partner insured by another provider? They may not be covered for cancelling or cutting short their trip should you become unwell or injured. Fortunately we offer Travelling Companion Cover for this circumstance

  • Are you covered if your airline or other transport company goes bust?If you have booked your flights and accommodation separately, your holiday is unlikely to be ABTA or ATOL protected. AllClear offer protection for airline or end supplier failure as standard to make sure you don’t lose money. However, please note other providers may offer this kind of cover for an additional charge

  • Will you be bringing any expensive phones or cameras to Thailand? We wouldn’t blame you for wanting to get those scenic shots! But you might want to consider Gadget cover. AllClear can protect up to seven gadgets for a maximum value of £3000. It’s a simple add-on to your main policy protecting you against loss, theft or damage

  • Planning an active holiday? You should consider what activities you plan to enjoy while travelling in Thailand. It’s a wonderful place for water sports such as snorkelling, kayaking and scuba diving – which can all be covered for free on AllClear Gold or Gold Plus policies, among other activities!

Simple 3 step quote process

1. Call us or click a quote button on our site

Once you are ready to start the quote process, the first step is to provide your personal details and information about your holiday plans.

2. Complete our simple medical screening process

You then declare the medical conditions for you (and any other travellers) and answer the specifically designed medical questions.

3. Get your quotes

You will then get your quotes and can either proceed to buy, or save your quote, at this stage.

Join Over 3 Million People Have Trusted AllClear Cover

What our customers say

“AllClear is a company you can rely on”

“l contacted AllClear from Thailand because l needed to extend my travel insurance by 20 days…once contacting AllClear my Holiday Insurance was extended without delay, with a much lower cost than what Admiral had quoted me. AllClear is a company who one can rely on when seeking holiday travel insurance. Well done AllClear, thank you.”

Ray Ferris – TrustPilot

Read AllClear Trustpilot Reviews

Travel Tips for Thailand

You can use the below information on Thailand customs, law, and health risks to help you plan ahead.

Prescription medication:

If you require prescription medication, make sure you have researched its legality in Thailand, as possession of illegal drugs can have extreme penalties. It’s imperative to carry doctor’s notes explaining why you need a drug as well as your prescription sheets. AllClear cover can also help replace any lost or stolen medication.


If you’re a British passport holder arriving by air or land you can enter Thailand for 30 days without a visa. This is known as a visa exemption. If you want to stay longer, it’s possible to extend your stay for up to 30 days more. However, you must apply for this extension before the visa exemption period expires.

When using the 30-day visa exemption you can only enter Thailand through a land border twice per calendar year. To cross more frequently, you’ll need to get a visa in advance of travelling.

It’s important to note that the only legal way of getting a new visa, entry permit or extension of stay is from a Thai Embassy or Consulate, an Immigration Officer at a point of entry into Thailand or one of the Immigration Offices around the country.

For more information on visas, visit Thailand’s Ministry of Foreign Affairs website.


The Thai baht (B) is the official currency and you can use your credit or debit card at several hotels, restaurants and shops but surcharges can be high. Tipping isn’t expected but is much appreciated.


Thai is the official language but many locals will speak some English.

Local Laws and Customs:

Thailand has some strict rules around smoking in prohibited areas, including beaches, which can incur heavy fines. So, it is important to make sure you know what the rules are for your location. Vaping is also illegal in Thailand.

Health Risks When Travelling to Thailand

The NHS Fit for Travel website recommends that you see your doctor at least 6-8 weeks before you go so they can offer guidance on any precautions you may need to take. The Fit for Travel site suggests you should take as much precaution as possible against mosquitoes as they can carry dengue fever and the Zika virus. It recommends stocking up on insect repellent, investing in a travel mosquito net and that you wear loose, light-coloured clothing that covers your arms and legs fully to avoid bites.

You might be also advised to have some vaccines for Hepatitis A, Tetanus and Typhoid, which are usually free on the NHS. The Travel Health Pro website recommends that most travellers get the tetanus vaccine before travelling.

It’s also wise to make sure you put some money aside. Some hospitals in Thailand may ask you to prove you have enough money before they will treat you.

The number for emergency services is 1669.

We hope you found this guide to travel insurance for Amsterdam helpful and that you enjoy your next trip!

If you’d like to start a quote, click the quote now button below.

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[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 25,000 reviews as of May 2021.