Coronavirus Travel Insurance

Everything you need to know about mandatory coronavirus insurance to travel to Thailand.

Coronavirus Travel Insurance to Enter Thailand

Thailand is finally reopening to visitors, but with the Covid-19 pandemic still ongoing, the Thai government established a set of requirements for all foreigners entering the country. One of the requirements is to have Covid-19 insurance covering you for a minimum of 3.5 million baht (or 100,000 USD). This insurance can then be used to apply for a Certificate of Entry (COE), which is an important document that allows you to enter Thailand during the pandemic, you will need to show your COE at the immigration office upon arrival.

The requirement for Covid-19 insurance is in place as an added layer of protection, ensuring that anyone entering Thailand can cover all medical costs in the event that they are diagnosed with or die from Covid-19 while in the country.

Thai immigration officials are very strict regarding this matter. They will only accept policies that truly satisfy the requirements. The good news is, it’s not that hard to find an insurance provider offering Covid-19 insurance that will be accepted by Thai immigration. Getting insurance is easy as well since they are available to purchase online and are reasonably priced.

Key Points:

  • Coronavirus Travel Insurance or Covid-19 insurance is mandatory for everyone who wants to enter Thailand.
  • The insurance must cover a minimum of 3.5 million baht or $100,000 dollars.
  • You can use the insurance to apply for a Certificate of Entry (COE) and to show at the immigration upon arriving in Thailand.

What is The Required Covid-19 Coverage?

As mentioned before, the Thai immigration officials are very strict about the Covid-19 insurance policy, so you need to make sure that your Covid-19 insurance covers everything the Thai government requires. Here are the requirements needed for the Covid-19 insurance policy:

  • The policy must be at least 3.5 million baht or 100,000 dollars, covering outpatient and inpatient treatment while you are in Thailand.
  • The policy must explicitly state that coverage is valid in Thailand.
  • The policy must explicitly state coverage of “Covid-19.”
  • The policy must cover you for the entire time you are in Thailand.

If you already have travel or health insurance, you may be wondering if you can just use them. Well, the answer is, you can not, unless it has coverage for Covid-19. There are various instances where travellers are denied entry because their insurance doesn’t specifically state coverage for Thailand and Covid-19, so they must turn around and buy a government-approved Covid-19 insurance policy.

Why is Coronavirus Travel Insurance Necessary?

Getting extra insurance may seem like a hassle for people who want to enter Thailand, but there is a good reason why it is necessary. One of the main reasons is, of course, for your own safety. Whether you need to travel to Thailand for work, holiday, or be with your loved ones, travelling during a pandemic is risky. Almost all regular travel and health insurance policies don’t cover you against pandemics, so you will not be covered for anything with Covid-19. The costs of hospital treatment and possible repatriation, as well as quarantine requirements, can be expensive, but Covid-19 insurance can help you pay for it.

Aside from protecting yourself, the Thai government has made it mandatory to avoid being saddled with unpaid hospital bills from travellers who contract Covid-19. As a result, this requirement serves as an additional layer of security for the Thai government, as the country’s economy shrinks as a result of the coronavirus outbreak.

Travelling during the Covid-19 pandemic is risky, but Coronavirus Travel Insurance can give you the protection you need.

How to Buy Coronavirus Travel Insurance?

Finding travel insurance policies covering Covid-19 and approved by the Thai government is relatively easy. You can literally do it online, and the Covid-19 insurance certificate will be sent to you digitally. In fact, we can help you compare and choose the best Covid-19 insurance for your specific needs and budget.

Numerous insurance companies offer policies that are designed according to the Thai government’s requirement and are accepted by the Royal Thai embassies/consulate with no problem. You can choose the length of the policy from 30 days to a year. Don’t forget to purchase a policy that covers the whole period of your stay in Thailand, or you may not be allowed to enter the country.

It’s important to keep in mind that each insurance company’s application process is unique, some companies take 3 to 4 days to issue an insurance certificate, while others can do so in as little as 12 to 24 hours. Determine how much time you have before your departure to Thailand before purchasing Covid-19 insurance. If you are purchasing a Covid-19 insurance policy at the last minute, it is preferable to select an insurer that can issue the certificate as quickly as possible.

To make sure that you are getting a good deal, always compare several plans and insurance company.

How Much Does Coronavirus Travel Insurance Cost?

Covid-19 travel insurance is indeed another expense you have to spend to enter the Land of Smiles, but it’s reasonably priced and quite affordable. Some of the most basic plans cost as low as 3,500 baht for 30 days for international travellers.

Like other types of insurance, the premiums depend on various factors, such as the level of coverage and your circumstances. However, most insurance companies offer flexible coverage to fit your needs and budget.

Other Requirements to Enter Thailand

Besides Coronavirus Travel Insurance, there are other requirements you need to meet in order to enter Thailand. These include:

  • A valid visa or re-entry permit. If you are travelling to Thailand for a holiday, you can apply for the Special Tourist Visa (STV).
  • Certificate of Entry (COE) issued by the nearest Royal Thai Embassy to your home.
  • Covid-19-free health certificate with laboratory test results that indicates you’re free of Covid-19. The test needs to be done using the RT-PCR method, and the certificate must be issued no more than 72 hours before departing to Thailand.
  • Confirmation of Alternative State Quarantine (ASQ) or Alternative Local State Quarantine (ALQ) hotel booking.
  • If you are vaccinated, make sure to bring the vaccination certificate (original paper or printed copy).

Note that as of 1 April 2021, you no longer need a Fit-to-Fly certificate.

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