Travel Insurance for holidays in Thailand
Travel insurance for thailand.
Welcome to Thailand, a gem packed with both nature’s wonders and incredible human creations. The nation draws millions of tourists each year to explore its temple ruins, visit elephant sanctuaries and enjoy tropical beaches. If you’re itching to book your next adventure to Thailand, don’t forget one critical thing first: travel insurance ! In this article, we’ll cover what you need to know about travel insurance for Thailand.
- What should your Travel insurance cover for a trip to Thailand?
How does Travel Insurance for Thailand Work?
- Do I need Travel Insurance for Thailand?
- How much does Travel Insurance cost for Thailand?
- Our Suggested AXA Travel Protection Plan
- What types of medical coverage does AXA Travel Protection plans offer?
- Are There Any COVID-19 Restrictions for Travelers to Thailand?
- Traveling with pre-existing Medical Conditions?
What should your Travel Insurance cover for a trip to Thailand?
At a minimum, your travel insurance to Thailand should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.
- Medical Coverage – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.
- Trip Cancellation & Interruptions – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.
- Emergency Evacuations and Repatriation – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.
- Coverage for Personal Belongings – AXA offers coverage for your belongings with assistance against lost or delayed baggage.
- Optional Cancel for Any Reason – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons. Exclusive to Platinum Plan holders.
In just a few seconds, you can get a free quote and purchase the best travel insurance for Thailand.
Imagine this: you’re exploring the night markets of Patpong, trying new foods and exotic tastes that Thailand has to offer. Suddenly, you feel queasy and uneasy, the snacks you have been snacking on seem to have been spoiled and you’re feeling ill. With AXA Travel Protection, we could help assist or guide you to the nearest hospital. Whether the situation goes from bad to worse, AXA is there to help you create a plan of action. Here’s how travelers can benefit from an AXA Travel Protection Plan:
Medical Benefits:
- Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees.
- Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation.
- Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms.
Pre-Departure Travel Benefits:
- Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury.
- COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions.
- Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations.
Post-Departure Travel Benefits
- Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
- Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.
Baggage Benefits:
- Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries.
- Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings.
Additional Optional Travel Benefits:
- Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft.
- Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy.
- Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures.
- Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures.
Do I need Travel Insurance for Thailand?
So, do you need travel insurance for Thailand? The short answer is no. Since the end of the COVID-19 pandemic, Thailand has dropped its requirement for travelers to have insurance for entry. However, it’s still highly recommended that you have a plan before embarking on your next trip.
Medical Emergencies: Your health is a top priority. If you face a sudden illness or injury in Thailand, travel insurance offers the means to receive prompt and quality medical care.
Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.
Flight Delays: Travel disruptions like flight delays can happen. If you miss a connecting flight or incur additional expenses due to delays, travel insurance can help cover the costs.
How much does Travel Insurance cost for Thailand?
In general, travel insurance to Thailand costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:
- Total Trip cost: The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.
- Age: Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals.
With AXA Travel Protection, travelers to Thailand will be offered three tiers of insurance: Silver, Gold and Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs.
Our Suggested AXA Travel Protection Plan
AXA presents travelers with three travel plans – the Silver Plan , Gold Plan , and Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Thailand hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses. The Platinum Plan is your go-to choice if you're looking for extra coverage for Thailand’s experience. "Cancel for Any Reason" offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Thailand's stunning landscapes in a rental car.
What types of medical coverage do AXA Travel Protection plans offer?
AXA covers three types of medical expenses:
- Emergency Medical
- Emergency evacuation & repatriation
- Non-medical emergency evacuation & repatriation
Emergency Medical: Unexpected incidents that arise, such as broken bones, burns, unexpected illnesses and allergic reactions.
Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness.
Non-Medical Emergency Evacuation and Repatriation: This can cover evacuation assistance when you need to leave a destination immediately for non-medical-related events. These could be things like natural disasters or civil unrest.
Are there any COVID-19 restrictions for Travelers to Thailand?
No. Thailand has dropped all COVID-19 restrictions for travelers from the United States.
Traveling with pre-existing Medical Conditions?
Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip. Our Gold and Platinum Plans offer coverage for pre-existing medical conditions. The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, What does this mean for you? If you've got a medical condition hanging around, you can qualify for coverage under our Gold and Platinum plan with a preexisting medical condition, so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to make sure you travel with ease, no matter your health situation.
1. Can you buy travel insurance after booking a flight?
You can buy travel insurance even after your flight is booked. It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.
2. Do Americans need travel insurance in Thailand?
No, travel insurance is not currently required to visit Thailand.
3. What is needed to visit Thailand from the USA?
If you're visiting Thailand from the USA, all you need is your passport. Your passport needs to be valid at least six months beyond the date of your arrival.
4. What happens if a tourist gets sick in Thailand?
If you become sick in Thailand, travelers with AXA Travel protection can contact the AXA Assistance hotline at 855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.
Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions. AXA Assistance USA, Inc.© 2023 All Rights Reserved.
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- Travel Insurance for Thailand
On This Page
- Key Takeaways
Do I need travel insurance to visit Thailand?
Our top picks for the best thailand travel insurance, how much does travel insurance for thailand cost, what does travel insurance for thailand cover, what isn’t covered by travel insurance for thailand, tips for getting the best thailand travel insurance, thailand travel information & requirements, faq: travel insurance for thailand, related topics.
Best Travel Insurance for Thailand in 2024
- U.S. health insurance is typically not accepted in Thailand , so it’s a good idea to purchase travel medical insurance for your trip.
- Based on our research, our top picks for travel insurance for a trip to Thailand come fro m Tin Leg, Seven Corners, and John Hancock.
- Comprehensive travel insurance policies will usually cover medical emergencies and evacuation, trip delays, cancellations and interruptions, and lost or stolen baggage.
- Travel insurance can cost as little as around $1 per day for the most basic medical and medical evacuation coverage.
- To find the best travel insurance for your trip to Thailand, try using an online comparison tool . This way, you get multiple quotes and compare all your coverage options to find the best deal.
Our top picks for the best travel insurance for thailand
- Tin Leg: Best Rated Travel Isurance
- Seven Corners: Best Value for Medical Emergencies
- John Hancock Insurance Agency, Inc.: Best plan for a Solid Coverage
Seven Corners
John hancock insurance agency, inc..
You are not legally required to have travel insurance to visit Thailand, but it’s advised that you have the protection and support you need in case of illness, injury, theft, or other travel hiccups, as most US medical insurance is not valid in Thailand.
Below are some risks that could make getting travel insurance worthwhile for your trip to Thailand.
Why Thailand travel insurance is important
Risk of insect-borne diseases
Mosquitos are prevalent in Thailand, and they can transmit diseases like malaria, dengue fever, chikungunya, Japanese encephalitis, filariasis and Zika. Using insect repellents and mosquito nets, avoiding affected areas and taking prophylactic medications can help prevent infection. But if you do get sick, travel insurance could make all the difference in getting care fast.
Extreme weather conditions
Thailand is a beautiful country full of waterfront vistas and lush, tropical forests, but it’s also situated in a geographic area that’s prone to floods, earthquakes and tsunamis, similar to visiting Japan . Travel insurance policies that include trip cancellation protection and emergency evacuation clauses can protect you financially if your trip is canceled or you need to get out of the country ASAP because of a natural disaster.
Petty theft and pickpockets
Petty theft, including pick-pocketing, is a concern in many tourist areas throughout the world, and Thailand’s major cities of Bangkok and Chiang Mai are no exception. Certain travel insurance policies also include reimbursement for stolen goods, such as a wallet that was snatched during a pick-pocketing event or travel documents that disappeared when your luggage vanished at the airport.
Best Rated Travel Isurance
Why we like it.
- Excellent primary coverage for medical expenses
- High limit for emergency evacuation coverage
- Optional cancel for any reason (CFAR) coverage available
- Comes with coverage for hurricanes and inclement weather
- Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
- Baggage delay coverage requires a 24-hour waiting period
- Low coverage limits for baggage and personal effects
Best Value for Medical Emergencies
- Offers coverage for pre-existing conditions
- Money-back guarantee
- Cancellation & Interruption coverage standard
- Covers action sports & equipment
- Cancel for any reason not included standard
- Must meet waiver for pre-existing conditions to be covered
Best plan for a Solid Coverage
- Travel delay coverage kicks in after just three hours
- Generous coverage for emergency evacuation and repatriation of remains
- Optional CFAR upgrade available
- Baggage insurance comes with generous limits of up to $2,500
- Terror attack coverage included
- Baggage delay coverage requires a 12-hour waiting period
According to official sales data from Squaremouth , travel insurance for Thailand costs an average of $218.69.
Our official sales figures over the past year show that our customers paid an average of $145.54 for travel insurance to Thailand.
Travel insurance can cost as little as around $1 per day for the most basic medical and medical evacuation coverage. For a more comprehensive policy, you can expect to pay around $7 to $11 per day.
To give you a better idea of how much travel insurance will cost for a trip to Thailand, we got price quotes from some popular travel insurance providers.
We applied these details to our quotes:
- Age: 35 years old
- Destination: Thailand
- Trip Length: 7 days
- Trip cost: $2,000
We’ve displayed our price quotes for basic travel insurance coverage in the table below. These plans range from less than $1 per day to $6 per day.
Example Where Plan Doesn’t Reimburse the Full Trip Cost
A more comprehensive travel insurance policy that covers trip cancellation and trip interruption will be a bit more expensive. Our quotes from the same providers show that this type of protection costs around $7 to $11 per day.
Example Where Plan Does Reimburse the Full Trip Cost
Keep in mind that the final cost of your Thailand travel insurance will depend on a variety of factors, including the following:
- The amount of coverage you need
- How long you’re traveling for
Travel insurance policies can differ greatly depending on the insurer and other factors, such as the size of the deductible or the provider you choose.
Consider these types of coverage when purchasing travel insurance for your trip to Thailand.
Trip cancellation insurance
If you need to cancel your trip to Thailand for a covered reason, trip cancellation insurance can reimburse you for pre-paid travel expenses that are non-refundable.
It’s important to note, though, t hat trip cancellation insurance is far from universal . If you just decide you don’t feel like going to Thailand anymore or your boss refuses to give you the time off, your cancellation clause may not apply. Some medical conditions, like pregnancy , are also not covered as a covered reason for cancellation.
Read the fine print carefully to see what’s covered and what isn’t, and consider a CFAR (cancel for any reason) policy if you have additional concerns. With this type of coverage, you can cancel your travel plans for any reason at all and get back around 50% to 70% of your prepaid travel expenses.
Trip delay insurance
Chances are you don’t have a direct flight from your hometown to Thailand. Most people will have to grab one, if not two or three, connecting flights, and that means more layovers and more opportunities for your schedule to go awry. If your flight is delayed and you miss a connection, trip delay insurance kicks in to cover your expenses while you’re stuck in an airport or intermediary city.
Most delay policies have a grace period before they kick in, so you may have to wait 6 or 12 hours before you get reimbursement for delay-related expenses. But once that period has passed, you can make a claim for things like temporary accommodations and food plus the cost of anything you’re missing out on in Thailand while you navigate the delay.
Trip interruption insurance
Trip interruption insurance is like trip cancellation and delay policies except that it applies to a trip that’s already in progress but has to be cut short . Imagine you’re already in Thailand when you get a call about an emergency back home. You have another week of hotel, car and entertainment costs you’ve already paid for, but now you need to return home early.
Your trip interruption insurance could cover those costs so you can go home worry-free, but your reason for flying out ASAP needs to be an emergency covered by your policy (e.g., illness or death in the family, terrorism at your travel destination, etc.).
Travel medical insurance
It’s extremely doubtful your U.S. health insurance company offers any coverage while you’re abroad, so travel medical insurance is crucial . Look for policies that cover medical expenses related to both illnesses and accidents, so you’re taken care of whether you contract the common cold or need an ambulance ride after you slip and fall at the Temple of Dawn.
Medical evacuation insurance
If you become sick or are hurt beyond what a local hospital or doctor’s office can handle, you may need to be moved to another country where trauma care is more readily available. Medical evacuation insurance goes beyond medical expenses to cover transportation, like Medevac rides to get you to an advanced facility as soon as possible.
Insurance for personal items
Some travel insurance companies offer coverage that includes replacing or reimbursing you for baggage and personal items that are lost and stolen. This is a good thing to have in areas where petty theft is common, but there are always exceptions. You will likely need to file a police report to turn into your insurance company when you file a claim, and there are typically caps on how much your policy will cover.
Rental car coverage
Rental car coverage is not automatically included in Thai travel insurance, so you’ll need to ask your insurance company or consider an add-on policy. Read the fine print to see what’s covered. Collision, theft and damage due to a natural disaster are all possibilities but may not all be covered.
The most common travel insurance exclusions are cancellations or trip interruptions caused by what insurance companies call “known or foreseeable events.” That might be something like wanting to cut your trip short because you don’t like all the bugs in Thailand or bailing on the trip altogether because you heard it’s been raining really hard.
Other things that may not be covered include:
- Endemics and pandemics (some companies have or had temporary COVID-19 policies )
- Cancellations due to poor paperwork or malfeasance, such as if you’re detained at customs or tried to travel with a soon-to-expire passport
- Medical expenses or repatriation needs resulting from a risky activity (e.g., cliff diving or hot air ballooning with a non-licensed company) or due to a pre-existing condition.
To get the best Thailand travel insurance, think about when you’re going, how you’ll get there and when you want to buy your policy.
Then, follow these tips:
- If you travel often, consider an annual multi-trip policy and you could save by bundling.
- Get lower premiums by increasing the excess/amount you’ll pay if you do need to make a claim.
- Get quotes for a Thailand-specific policy rather than one that covers all of Asia.
- For longer stays, look at extended-stay insurance or backpacker policies.
Are there COVID-19 restrictions for U.S. tourists?
As of January 2024, there are no COVID-19 restrictions in place for U.S. tourists hoping to visit Thailand.
Do I need a visa or passport to travel to Thailand?
You only need a visa to travel to Thailand if you intend to stay longer than 30 days . Short-term stays that fall under that threshold do not require a visa. You do need a passport to enter the country, and it’s recommended your passport be valid for at least six months past your intended entry date to avoid being turned away at the border/customs.
Is it safe to visit Thailand?
According to the latest updates from the U.S. Department of State, it’s safe to travel to most parts of Thailand . The DOS puts Thailand’s overall threat rating at Level 1, which means you should exercise normal precautions. That said, there is civil unrest and a higher risk of violence in the provinces of Yala, Pattani, Narathiwat, and Songkhla, which the U.S. DOS has put at Level 3 (reconsider travel).
When is the best time to visit Thailand?
Thailand is beautiful year-round. November through March marks the dry months, following the wet season from May through October. If you’re sensitive to heat, consider avoiding Thailand in April . That’s the country’s hottest month, and temperatures then regularly hit 105° F (40° C).
Do I really need travel insurance for Thailand?
Travel insurance for Thailand is not legally required, but a policy is recommended so you can protect yourself against everything from a canceled or delayed trip to catching the flu or dengue fever during your visit.
Is health insurance still required in Thailand?
Health insurance was required for visitors to Thailand during the height of the COVID-19 pandemic, but that policy is no longer in place.
What is the best health insurance in Thailand for foreigners?
The best health insurance in Thailand for foreigners is the policy that offers the best coverage for your specific needs, health history, length of stay and the level of risk associated with your health or the type of activities you have planned. Try using our online comparison tool to find the best travel insurance policy for you.
About the Author
Alana Luna (Musselman) is a versatile storyteller with over a decade of writing experience. She is passionate about helping people build their business through unique and engaging content.
Some examples of her current freelance projects include building content strategies for small businesses, completing industry research to build case studies, crafting buyer guides and more.
She has a passion and keen ability to simplify complex ideas through storytelling to make it easier for readers to understand hard-to-digest information. To accomplish this, Alana’s writing holds strong three principles – content that educates, engages and entertains.
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Thailand arrival & survival guide
The only guide you need to prepare for a trip to Thailand! Find out about visas, insurance, vaccinations, currencies, SIM cards, airport taxis and loads more.
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The best travel insurance providers for Thailand trips in 2024
Congratulations on even making it to this page!
We get it, buying insurance for a trip is the single worst part of the planning process, but it’s also one of the most important.
You’ve already got the hardest part out of the way — sitting down to do it — the rest of it is usually much easier than you anticipate.
If you just want to know where to go to purchase solid coverage, we recommend SafetyWing because their pricing is competitive, and unlike other sites, they are upfront about what activities are covered and which are not. Their basic policy includes coverage for motorbikes which can be difficult to find.
Important: SafetyWing advertises itself as “Nomad Insurance” targeted at digital nomads and remote workers. They work on a monthly subscription model by default, but if you have a trip with start and end dates just tick the “specific travel dates” box and you’ll be buying traditional travel insurance.
Get a quote
Get a quote quickly here, or keep reading to find out why we recommend SafetyWing and details on coverage for motorbikes, adventure sports, Muay Thai etc.
Why you need insurance
Since you’re already on this page, you probably know why you need insurance. You most likely won’t use it, but if you have to, you’ll be very glad you have it. That’s pretty much the point of insurance.
Millions of people travel around Thailand every year with no travel or health insurance, and most of them get away with it. But thousands of people also get stuck with huge medical bills leaving them begging family at home for money, or turning to sites like Go Fund Me to raise cash.
In some cases, not having insurance coverage costs people their lives. The private hospitals that provide the best care in Thailand are businesses. If you are in an accident, you can expect a basic level of care, but the reality is that major emergency surgeries and medical evacuations are reserved for people who can pay for them.
In 15 years of traveling in Thailand, I’ve met dozens of people who were at a minimum saved from massive medical bills by having insurance.
My friend Gavin even owes his life to having travel medical insurance. He had a motorbike accident in a rural area in Northeastern Thailand. It was only for his insurance which got him an emergency evacuation to Bangkok that he is still alive today.
Insurance is not that expensive. Just think of it as a necessary expense of your trip, no different than your flight or hotels. You pay for it up front, then it’s out of sight, with peace of mind.
Important: You may already have travel insurance coverage. If you have private health insurance in your home country, they may provide enough medical cover for your trip. Certain credit cards also provide some medical coverage, and many of them give trip cancellation coverage when you book with that card. Your home or renters insurance might also cover your belongings while on the road. Check your policy guide, or give them a call to see if you are already covered.
What coverage do you need?
There are a lot of different types of insurance that cover different things, but in general, travel insurance can cover:
- Medical emergencies
- Medical evacuation
- More minor health issues
- Trip cancellations
- Loss or damage of your personal belongings while traveling
The first two are by far the most important. You can probably do without the others, but having coverage for medical emergencies and evacuations is crucial. SafetyWing policies do include some coverage for delay and cancellations, and loss or damage of personal belongings.
If you want to shop around we like the site SquareMouth which aggregates policies from a number of different providers. Depending on your personal needs you may find a better option that from SafetyWing. It’s harder to tell what adventure sports/motorbike exclusions there are with these policies though which is why we personally avoid them.
Note: If you are an American, it’s pretty easy to get good insurance coverage for your belongings, and for trip delays and cancellations through a good credit card. Check out our guide to the best credit card for traveling abroad to learn more.
Our top provider recommendation
We’ve spent more hours than we’d like to admit browsing dozens of travel insurance aggregation websites trying to find the best one (or the least bad one). We’ve concluded that SafetyWing is the easiest site to use to shop around for a travel insurance quote.
Enter in just a few personal details like your age and home country or US State, and where you plan to travel, and within a minute you can have the most competitive plans listed. Use the filters to set minimum coverage amounts to make sure you have good enough coverage.
Insurance coverage for motorcycles and adventure sports in Thailand
It can be really difficult to find coverage for motorbikes, and even when you think you may have it, a lot of providers use fine print to make it diffcult to actually tell. That’s why we recommend SafetyWing . They are totally upfront about what they cover.
SafetyWing offers their basic policy which includes motorbike coverage, but certain other common activities travelers to Thailand might want to do are excluded unless you add on adventure sports coverage (currently $10 per month for travelers under 40.
Some of these excluded activities include Muay Thai and all boxing and martial arts, cave diving, dirt bikes and ATVs, kitesurfing, and whitewater rafting.
Your motorcycle coverage will only work if you have a valid motorcycle license in your home country and carry an international driver’s permit with it (or you have a Thai motorcycle license ). You must also be following all laws at the time of any accident, so you have to wear a helmet and not be intoxicated.
Better safe than sorry
It’s fairly unlikely you’ll need to use your insurance, but if you do, you will be glad you have it. It might save you tens or even hundreds of thousands of dollars, and a huge amount of stress and aggravation. It might even save your life. It’s worth it, get it.
Important: Final note: Sadly, all insurance providers kind of suck and will sometimes try to weasel out of paying a claim, or hide exclusions in the fine print. We cannot take responsibility for any info in this guide being 100% true all of the time since ultimately the only thing that is legally binding is the policy contract. Also, we are experienced travelers, not lawyers or insurance experts. Be sure to do your due dilligence and read through any policy. Buying from a reputable insurer is a good idea too since some are definitely better than others. SquareMouth shows the ratings of each provider right on the search page which we find useful.
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