Thailand Travel Insurance
Everything you need to know before your trip
Healthcare Cost Level
Low
Avg. ER Visit
$150
Recommended Coverage
$100,000
Evacuation Risk
Low
Healthcare in Thailand
What to expect if you need medical care
Thailand offers good quality healthcare at remarkably affordable prices compared to Western standards. You can expect to pay around $150 for an emergency room visit and approximately $200 per day for hospital stays. English availability is good, particularly in Bangkok and major tourist areas, so communication with medical staff shouldn't be a major barrier. The country's major cities have excellent hospital facilities with modern equipment and well-trained staff. However, this quality varies by location—while Bangkok, Chiang Mai, and Phuket have world-class hospitals, remote islands and rural areas have limited facilities. If you experience a serious medical emergency in these remote locations, you may need evacuation to Bangkok for proper treatment, which adds complexity and cost to your care.
What Your Policy Should Cover
Country-specific considerations for Thailand
Your policy needs to address Thailand's specific risks. Most importantly, scrutinize motorbike coverage carefully—many policies exclude motorbike accidents unless you hold a proper motorcycle license, and road accidents are high risk year-round in Thailand. If you plan to ride a motorbike, ensure you're properly licensed and covered. For diving enthusiasts, verify your policy covers recreational diving to your planned depth, as Thailand's islands are popular diving destinations. Your policy should cover dengue fever and tropical diseases, with peak risk from June to November. Include coverage for potential food poisoning incidents, though risk is relatively low. Given that remote islands may require medical evacuation to Bangkok's hospitals, ensure your policy includes emergency medical evacuation coverage. The evacuation risk is low overall, but it's essential for island visits.
Dengue
Moderate Risk
Peak: Jun-Nov
Road Accidents
High Risk
Peak: year-round
Food Poisoning
Low Risk
Peak: year-round
Activity-Specific Coverage
Motorbike: Many policies exclude motorbike accidents without proper license
Diving: Ensure coverage for recreational diving to your planned depth
How Much Coverage Do You Need?
Our recommendation based on Thailand's healthcare costs
The recommended $100,000 coverage provides substantial protection despite Thailand's low healthcare costs. While an ER visit costs around $150 and hospital days average $200, serious injuries or illnesses requiring extended hospitalization can accumulate quickly. More importantly, if you're on a remote island and need emergency evacuation to Bangkok, those costs multiply significantly. The $100,000 level ensures you're covered for worst-case scenarios including prolonged hospital stays, complex treatments, and emergency evacuations, while the $50,000 minimum covers basic medical emergencies in major cities.
Minimum
$50,000
Basic emergencies only
Recommended
$100,000
Full protection
Making a Claim in Thailand
Tips for smooth claims processing
Documentation Required: Police report required for accidents, hospital documentation for medical claims
- Always obtain a police report for any accident-related claims, as this documentation is required by insurers when processing accident claims in Thailand
- Keep all original hospital documentation, itemized bills, and medical reports in English when possible, as these are essential for medical claims
- If you plan to rent a motorbike, verify you have the proper motorcycle license from your home country and confirm your policy specifically covers motorbike accidents with valid licensing
- For remote island visits, save contact information for your insurer's emergency assistance line, as you may need pre-approval for evacuation to Bangkok
- Document any dengue fever diagnosis thoroughly, including blood test results and hospital admission records, as tropical disease claims require comprehensive medical evidence
Get Covered for Thailand
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