Travel insurance for Thailand

Travel insurance for Thailand




Kids go free. T&Cs apply.


From the tropical beaches of Phuket to the bustling streets of Bangkok, Thailand has so much to offer to travellers of all tastes. The country enjoys a reputation for serene landscapes and exciting cities in equal measure, and has long been one of Southeast Asia’s most popular travel destinations.

However, Thailand is also regarded as one of the most dangerous destinations for international tourists, with hundreds suffering fatal accidents each year. This concerning statistic has even sparked debate around enforcing compulsory travel insurance for visitors.

Road, swimming and boating accidents are some of the most common causes of serious and fatal injury for travellers in Thailand. For this reason, travel insurance that covers accidents and emergencies is essential. But Thai holidays can also be spoiled by a cunning thief or a bad street food meal, which is why you need a comprehensive policy with a wide range of benefits.

Couple riding a boat in Thailand

What does my insurance cover in Thailand?

Our award-winning TravelCare policy provides affordable, comprehensive cover for your international holiday. When you protect yourself with TravelCare, you also gain access to our worldwide emergency assistance team, who offer round-the-clock advice 365 days of the year. 

Our comprehensive TravelCare insurance includes cover for:

  • Unlimited medical and evacuation expenses that arise due to unexpected events while on your journey
  • Cancellation fees and lost deposits – increase your cover depending on the cost of your journey
  • Damaged or lost baggage
  • Personal items if they are stolen or damaged
  • Rental car excess should you have an accident
  • Emergency dental treatment
  • Funeral costs

Compulsory travel insurance

The Thai Ministry of Tourism and Sports are considering enforcing compulsory travel insurance for international visitors to Thailand. This discussion comes in response to a high volume of uninsured travellers who have required costly medical attention in the country, some of whom have not been able to pay their bill.

If you suffer an injury and need medical assistance in Thailand, it’s strongly recommended that you present a copy of your travel insurance certificate to hospital staff. There have been cases of travellers being denied treatment when they can’t prove they’re insured for medical costs.

Two children in Thailand

Cover for natural disasters

Unfortunately, Thailand is no stranger to devastating natural events, like the Boxing Day Tsunami in 2004 that killed thousands. More recently, serious flash flooding and typhoons have claimed the lives of thousands more, including international travellers.

If your pre-paid travel plans need to be changed or cancelled due to an unexpected natural disaster, and you purchased a policy before this event occurred, you will be covered under your TravelCare policy. But if you book your travel after a natural disaster has occurred, any changes to your travel plans relating to that may not be covered. After all, it can’t be considered an “unexpected event”.

Cover for laptops, phones and cameras

Valuable electronics are common victims of misadventure overseas. Whether it’s being stung by a cunning thief in a Bangkok market, or suffering an unexpected slip into the resort pool, your electronics can face danger from all sides.

Our TravelCare policy covers you for lost, stolen or damaged personal items, so you can focus on enjoying your holiday knowing that you’re protected from the unexpected.



What you need to know

This article may contain hyperlinks to other websites owned or operated by third parties, or references to third party products or services. SCTI isn’t responsible for, and makes no recommendation about, the content or accuracy of any third party website, or for the suitability or performance of any product or service. The inclusion of a link in this article doesn’t imply that SCTI endorses the website or third party product/service.

This page provides a summary of the key terms only. As with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the Combined FSG and PDS.


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TravelCare is issued by Southern Cross Benefits Limited ABN 99 133 401 939, AFS License 331058 trading as Southern Cross Travel Insurance ®. SCTI is a member of the Australian Financial Complaints Authority (AFCA). AFCA has replaced the Financial Ombudsman Service (FOS), the Credit and Investments Ombudsman (CIO) and Superannuation Complaints Tribunal (SCT) schemes, so that consumers have access to a single External Dispute Resolution (EDR) scheme. AFCA provides fair and independent financial services complaint resolution that is free to consumers.

As an Australian financial services licensee (AFSL), SCTI is authorised to deal in, and provide, general advice on travel insurance products. As we are unaware of your specific needs, financial objectives, and circumstances, we highly recommend you take time to read the Combined FSG and PDS before buying this product, to ensure that our travel insurance product is right for you.

Our Combined FSG and PDS (including but not limited to the benefits, terms, conditions and exclusions) and premiums quoted are subject to change.

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