Thailand Travel Insurance

Is travel insurance necessary for Thailand?

For many people, a trip to Thailand is often on their list of preferred travel destinations. Whether it be visiting the stunning temples of Chiang Mai, the vibrant bustle of Bangkok, the pristine beaches of Phuket, or the island paradise of Koh Samui, Thailand is attractive to people who love international travel and want to experience a new culture and cuisine. Why is travel insurance Thailand necessary we ask?

As with travel to any country, a travel insurance policy will ensure that your trip can be a stress free and enjoyable one. A travel insurance plan gives you the peace of mind that should the worst happen, and you are involved in an accident or get sick, that expensive hospital bills will be taken care of. Travel insurance not only protects against expensive medical bills. It also covers a host of other things which can potentially go wrong on your trips abroad. By insuring these items, we can make sure we get the most out of our travels, whether that be for business or pleasure.

Whilst Thailand is a stunning country, its roads can be dangerous, and its hospitals expensive. Thailand has some of the highest road accident and fatality rates in the whole world. Unfortunately tourists often add to the figures when they take to the Thai roads. It’s crucial you take the necessary steps to protect both you and your loved ones. Travel insurance Thailand is commonly discussed in online forums because there are often occasions when people thought it was better to travel without it and save on premium. Unfortunately they became unstuck when they needed it most. Be sure not to fall into the same trap! Remember that if you are involved in an accident here you may need to stay in hospital for a long time period while you are made ready for a return journey to your home country. Inpatient stays in international hospitals are costly. If you need transporting within Thailand to a hospital where you can be treated, then again, prices can be very expensive. Emergency medical evacuation is costly in any country, as you will require specialist teams and services to make sure your transfer is medically as safe as possible.

Therefore, the answer to the question is YES. You most definitely require travel insurance if you are going to be traveling to Thailand.

How much does it cost?

The cost of travel insurance will depend on a number of factors. The first is your age. Insurance is normally more expensive when you are young, or older. This is because medically you are more likely to get ill and be hospitalised at these ages. For those with young children, going to the hospital can be a common occurrence as one does not want to take any chances. For those with elderly relatives, in the event of hospitalisation then their stay is likely to be much longer than for a healthy younger adult. For the above reasons, travel insurance premiums are not the same for everyone. Typically for general insurance products there are flat rates across the board. Health and travel insurance follow different rules.

A second consideration needs to be the level of cover you require. Generally speaking, the higher the coverage, the higher the premium. If you are planning to engage in adventure sports such as scuba diving and off-road biking, then you may need to pay an additional premium in order to be covered for these activities. Feel free to get in touch if you are not sure what level of coverage you require! Tied in with this is the Geographical scope of your coverage. As we will discuss later on, there are numerous options regarding the area you are covered, and that ultimately impacts the price of the product you are buying.

As with any product, there is also an element of knowing the market and knowing where the best deals can be found. Here at Seek2insure, a large part of our time is spent evaluating products and making sure that our clients get the best value options in the market. Travel insurance Thailand is a core part of what we do!  If you fail to do your research you may find yourself paying over the odds for insufficient coverage.

Before you buy travel insurance be sure to do your research, and make sure that you are getting good value travel insurance for Thailand. At the same time it’s crucial to remember that travel insurance coverage is not all the same. There are numerous policies in the market with inadequate coverage, and also many plans with real cover. Make sure you understand the policy you are buying! Taking shortcuts at the beginning may leave you with lots of expensive bills which you will ultimately need to pay for out of pocket.