Travel insurance is unlikely to be high on your list of priorities when planning a trip to Thailand. Right now, you’re probably thinking about all the sights, sounds and exciting experiences waiting for you on the other side of the world, not what type of travel insurance policy you ought to buy. But just in case you do run into difficulties when you’re away, it’s a good idea to have a safety net in place, and travel insurance fits the bill perfectly.
Why You Need Travel Insurance in Thailand
Although there’s no legal requirement for visitors to purchase travel insurance for Thailand, you’re taking a big risk if you don’t. For a start, most domestic health insurance policies don’t cover you for overseas travel, which means you could be landed with a large hospital bill if you fall ill while away. Travel insurance offers many additional benefits that make it a must-have when in Thailand, including coverage for:
- Lost Baggage
- Cancelled or Delayed Flights/Trains
- Theft
- Missed Departures
You may receive compensation for other financial losses incurred while in Thailand, depending on the type of travel insurance purchased. Be sure to check the terms & conditions of any policy you are considering before signing on the dotted line.
Key Features to Look For When Buying Travel Insurance in Bangkok
You need to think about the sort of risks you’re most likely to be exposed to when shopping for travel insurance. Thailand, for foreigners and Thai people alike, is considered to be a relatively safe country: it has a much lower violent crime rate than many of its neighbours in Southeast Asia. However, there are still certain risks you may encounter, which can be mitigated with the right type of travel insurance. The key features to look for when buying trip insurance for Thailand are:
- 24-Hour Medical Assistance – If you’re unwell on holiday or have an accident, prompt assistance can make all the difference.
- Generous 3rd Party Liability – If you accidentally injure someone else while on holiday, 3rd party liability coverage should cover the cost of any required compensation.
- Small Excess – You want a policy that doesn’t require you to pay a hefty excess, thereby minimising your exposure to financial risk during your trip.
Find a policy with these key features if you want to make sure that all your bases are covered. Now, let’s discuss where and how to buy your travel insurance for Thailand.
Where and How to Buy Travel Insurance in Thailand
Before making a purchase, you must decide which type of travel insurance you want. If you’re looking to minimise costs, a basic travel health insurance policy may suffice. However, we recommend purchasing a comprehensive policy to ensure that you’re not exposed to unnecessary financial risk whilst in Thailand.
If you’re looking for customisable travel insurance with coverage that can be tailored to meet your specific needs, don’t hesitate to get in touch with the team at BSI Broker by phone or email. Alternatively, complete and submit the form at the bottom of the page to request further information.
