Finding the best travel insurance for expats in Thailand

Travel insurance is relatively inexpensive, though every year many people regret not taking out travel insurance.

There is no doubt that if you have to be returned home as a result of illness or injury it will be a very costly experience. Having to pay for this yourself will only compound the misery, so make sure you have adequate insurance cover before you go.  Don’t leave things to chance!

BSI are expert at finding the best travel insurance for expats in Thailand, whether this is for residents of Thailand travelling abroad or those visitng Thailand, or those travelling domestically within Thailand.

Cover is available for individuals, families and groups from a variety of well-known and respected providers that include:

What should my travel insurance policy cover?

Insurance can be purchased for each journey you make and is based on the number of days you will be traveling. If you travel frequently or intend to spend a long time on the road, an annual travel policy can be quite economical.  Ensure your policy covers you the entire duration of your journey for the following:

  • Adequate medical and health cover for an injury or illness overseas.
  • 24 hour emergency service and assistance.
  • Cover for personal effects in case of loss or theft, including money and travel documents.
  • Personal liability in the event that you are sued for causing bodily injury or damage to property.
  • Cancellation and curtailment (cutting short your trip) cover due to an emergency.
  • Extra cover for activities that are commonly excluded from standard policies, such as jet skiing, scuba diving.
  • Personal accident cover for death and disability.

What will my travel insurance not cover?

Always check the conditions and exclusions of your policy as coverage does vary from insurer to insurer. Here are a few examples of items not covered by travel insurance.

  • Suicide, self-inflicted injury, self-exposure to needless peril.
  • Any pre-existing conditions or excluded illness.
  • Any professional sport or any dangerous sports such as rock climbing or skydiving.
  • Baggage losses not reported to police within 24 hours, and/or to the carrier immediately as appropriate.
  • No proof is provided for relevant expenses/loss.
  • Normal wear and tear, breakage or damage to fragile articles.
  • Driving whilst intoxicated or under the influence of drugs or narcotics.
  • Intentional loss or damage, use of car rental in violation of the car rental agreement.
  • Liability or damage whether or not the Insured Person is responsible under the car rental agreement.

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