How much travel insurance should cost you in Thailand (By trip length)
While travel insurance isn't mandatory for most visitors, it’s highly recommended for a stress-free experience abroad
When planning a trip to Thailand, travel insurance is a smart investment that can save you from unexpected costs. Whether it’s medical expenses, lost luggage, or trip cancellations, the right coverage can provide peace of mind and financial protection against emergencies. While travel insurance isn’t mandatory for most visitors, it’s highly recommended for a stress-free experience abroad.
The cost of insurance depends on factors like how long you’ll stay, the type of trip you’re taking, and the level of coverage you need. SafetyWing offers flexible travel insurance plans designed to suit tourists, expats, and digital nomads, making it a top choice for travellers seeking reliable coverage tailored to their needs.
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| jump to Topic | Details |
|---|---|
| Short trips (Up to 7 days) | For short trips, insurance typically costs 300 to 700 Thai baht, covering emergency medical treatment, trip cancellation, and baggage protection. SafetyWing’s Essential plan is an affordable option for short-term travellers. |
| Medium-length trips (8 to 30 days) | For 8 to 30-day trips, insurance costs vary from 999 to 2,400 Thai baht. Coverage should include higher medical limits, trip interruption, and emergency evacuation. SafetyWing offers flexible plans for these stays. |
| Long-term trips (31 days and beyond) | For long-term stays, travel insurance typically costs around US$8 per day. It should cover extensive medical care, dental, evacuation, and repatriation. SafetyWing provides subscription-based models that suit long-term travellers. |
| Factors affecting travel insurance costs in Thailand | Age, coverage level, pre-existing medical conditions, and adventure sports activities can affect the cost. Older travellers and those seeking extensive coverage will pay more. |
| Selecting the right travel insurance for your trip to Thailand | The right insurance depends on trip length and personal needs. Short trips need basic coverage, while longer stays require more comprehensive plans. Always review your policy for exclusions and coverage limits. |
Short trips (Up to 7 days)
For short trips to Thailand lasting up to 7 days, travel insurance usually costs between 300 and 700 Thai baht (about US$10 to US$20). The cost depends on the insurance provider and the level of coverage you choose. Most travellers will need basic protection, including:
- Emergency medical coverage
- Trip cancellation or interruption benefits
- Reimbursement for lost or delayed baggage
These basic coverages help protect against common travel risks, like unexpected illness or injury, changes in travel plans, and lost belongings, ensuring a stress-free experience during your short stay.
SafetyWing offers an affordable and flexible option for short-term travellers to Thailand with its Essential plan. While SafetyWing usually charges a monthly rate starting at around 1,600 Thai baht (about US$56) for 4 weeks, travellers can adjust the coverage for shorter stays, making it more affordable for trips under a week. The plan includes:
- Emergency medical treatment
- Medical evacuation
- Trip interruption
- Baggage protection
SafetyWing is easy to sign up for online, and it extends coverage to children under 10 at no extra cost. It’s a reliable, budget-friendly option for tourists looking for comprehensive coverage during a short stay in Thailand.
Calculate your costs!
Medium-length trips (8 to 30 days)
For trips to Thailand lasting from 8 to 30 days, the cost of travel insurance can vary depending on the coverage and provider. A basic policy for around 30 days may start at about 999 Thai baht (around US$27). More comprehensive plans could cost more, with prices reaching up to 2,400 Thai baht (approximately US$61) for British travellers, depending on the level of coverage.
Factors that affect the cost include:
- The level of coverage
- The traveller’s age
- The length of the trip
For medium-length trips, travellers should consider more than just basic emergency medical and lost baggage coverage. Additional protection, such as higher medical coverage (up to US$200,000), is important because of potential hospital and outpatient care costs. Coverage for flight delays, trip interruption, and emergency evacuation (which can cover up to 2,000,000 Thai baht or about US$54,000) is also crucial for longer stays.
Long-term trips (31 days and beyond)
For trips to Thailand lasting 31 days or more, travel insurance typically costs around US$8 per day, with total premiums for a month-long stay usually around US$216. The price can vary depending on the provider and level of coverage, but long-term stays require more comprehensive plans than basic emergency care.
Travellers, especially digital nomads and long-term visitors, should look for insurance that includes:
- Extensive medical coverage
- Dental care
- Emergency evacuation
- Repatriation
In Thailand, private hospitals often require upfront payment, and some international health insurance may not be accepted. This makes it essential to have good coverage to avoid expensive out-of-pocket costs.
SafetyWing is a great option for long-term travellers and digital nomads in Thailand. Their subscription-based model offers ongoing, renewable coverage that fits the length and needs of your trip. With flexible monthly pricing that can be extended as needed, SafetyWing makes it easy for long-term visitors to maintain continuous coverage while living or working in Thailand. This approach makes SafetyWing a popular and practical choice for those seeking reliable, hassle-free insurance for extended stays.
Factors affecting travel insurance costs in Thailand
- Traveller’s age: Older travellers usually pay higher premiums due to increased health risks and the greater chance of needing medical care.
- Level of coverage: Basic plans with limited medical coverage cost less or comprehensive plans with higher medical limits, trip cancellation, and baggage protection are more expensive.
- Pre-existing medical conditions: Insurance costs may increase or require special coverage if you have a pre-existing condition, as there’s a higher chance of needing medical treatment.
- Adventure sports coverage: Activities like scuba diving or Muay Thai, popular in Thailand, may increase the cost due to higher risks and the potential for claims.
A younger traveller with basic coverage on a short trip will pay less, while an older traveller seeking comprehensive coverage, including dental and evacuation, will pay more. Additionally, longer trips, larger groups, and travelling beyond Thailand can also affect the price.
Selecting the right travel insurance for your trip to Thailand
Choosing the right travel insurance depends on how long you’ll stay and your personal needs.
- For short trips: A basic plan covering emergency medical expenses, trip cancellations, and lost baggage is often enough and cost-effective.
- For medium-length or long stays: It’s better to get more comprehensive coverage. This should include higher medical limits, trip interruption, and evacuation, especially if you plan on doing adventure activities or carrying valuable items.
- Always review your policy: Make sure you understand what’s covered and what’s excluded. Ensure your insurance fits both your planned activities and any specific requirements for your destination.
SafetyWing travel insurance plans for Thailand
Essential plan
The Essential plan is a flexible and affordable option. It covers:
- Emergency medical treatment (up to US$250,000)
- Hospitalisation
- Emergency dental care
- Medical evacuation
- Trip interruption
- Lost checked luggage
- Travel delays
This plan costs US$56.28 every four weeks for travellers aged 10 to 39. You can add extra coverage for adventure sports or electronics theft for an additional fee. It’s perfect for short-term travellers or digital nomads who need reliable coverage without extra costs.
Complete plan
The Complete plan offers more comprehensive coverage with higher limits:
- Medical emergencies up to US$1,500,000
- Medical evacuation up to US$100,000
- Routine and preventive care
- Enhanced trip interruption, lost luggage, and accidental death protection
The Complete plan costs US$150.50 per month for travellers aged 18 to 39. It’s ideal for long-term travellers, digital nomads, or expats who want coverage similar to traditional health insurance. This plan typically requires a 12-month commitment.
Both plans are subscription-based. The Essential plan can be paused or cancelled anytime, while the Complete plan is better for those planning an extended stay in Thailand.
Travel insurance is an essential investment when visiting Thailand, offering protection against unexpected costs like medical expenses, lost luggage, and trip cancellations. The cost depends on factors like trip length, coverage, and personal needs. Short trips usually need basic coverage, while longer stays require more comprehensive plans with higher medical limits and extra protections. SafetyWing provides flexible insurance plans for all types of travellers, from short-term visitors to long-term digital nomads. Their subscription-based model makes it easy to adjust coverage as needed, making them a great option for those travelling in Thailand. For long stays, it’s important to budget for medical emergencies, as healthcare can be expensive. To learn more about budgeting for medical emergencies, check out our related article: How much should you budget for medical emergencies as a digital nomad in Thailand
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