Travel insurance for travel to Thailand – Forbes Advisor


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Many Americans travel to Thailand for its centuries-old culture, white sandy beaches, exotic cuisine, floating markets, world-class accommodation, and vibrant nightlife.

If you are fully vaccinated and are planning a trip to the land of smiles, be aware that travel insurance covering Covid-related expenses is mandatory. The best pandemic travel plans will also provide reimbursement for trip cancellation, trip delay and interruption, medical evacuation, and lost baggage.

Having a reliable travel insurance policy that covers disruptions beyond Covid protects the investment you’ve made so you can feel as Zen as the Buddha at the Grand Palace and enjoy what Thailand has to offer.

Buying protection is affordable. The average cost of travel insurance for a trip to Thailand is $ 144, according to Squaremouth, a travel insurance comparator.

Mandatory travel insurance for Thailand

Thailand requires travel insurance that covers medical expenses and quarantine costs if you test positive for Covid during your stay. You also need other documents:

  1. You must have proof that you have at least $ 100,000 of coverage for the duration of your stay for Covid medical and quarantine costs if you contract the virus while in the country.
  2. You must obtain an entry certificate, issued by the Embassy of Thailand, by completing the online form and providing the necessary documents. You must include proof of medical insurance coverage when requesting the certificate.
  3. You must also provide proof of a negative Covid test, issued no more than 72 hours before your arrival in Thailand.

Trip Cancellation Insurance for Thailand

With so much to see and do in Thailand, you’ve probably been planning a rewarding itinerary for your trip for over a year. With a departure imminent, you would have booked your hotel and flights, as well as some prepaid activities, perhaps a boat ride on the Asian River or a tuk tuk tour of Bangkok.

What if you received devastating news that forced you to cancel your trip? For example, if your sister is having a heart attack and is in intensive care, you would probably want to cancel the trip to be at her bedside. Disruption due to weather conditions, illness, injury, job loss, death and more are covered by Trip Cancellation Insurance. You can be refunded 100% of the non-refundable deposits you lose when you cancel your plans for a reason covered by the policy.

It is important to know that not all reasons for cancellation are covered by a standard travel insurance policy. If you have an argument with your partner a week before the trip and don’t want to travel to Phuket, you won’t be covered for the cancellation.

If you want the greatest flexibility in changing your travel plans and potentially canceling, it’s best to purchase a “Cancellation for Any Reason” (CFAR) insurance upgrade to your policy. As long as you cancel your trip no later than 48 hours before your scheduled departure, you can recover part of your travel expenses, usually 75%, but check your policy. The freedom to cancel with this upgrade will cost you on average 50% more than a standard policy.

For example, if you decide you don’t like Thailand’s Covid testing requirements, you can make a CFAR claim, but not a standard trip cancellation claim.

Travel delay insurance for Thailand vacations

You will need to take connecting flights to travel to Thailand, which increases the risk of delays. Let’s say you fly from Charlotte, North Carolina, to London to Seoul, then to Bangkok. If your flight from Seoul is canceled due to an airport emergency, you can use your travel delay benefits to get reimbursed for hotel stay, meals and personal care items. .

If you also miss a prepaid Thai traditional dance performance, you can also file a claim.

Most travel insurance policies provide for a waiting period of six to 12 hours before the start of benefits. Check your font for the time settings.

Trip Interruption Insurance for Travel to Thailand

You might have packed every minute of your stay in Thailand with unique experiences, so you need to protect your investment. “Thailand is a sprawling country, and you can choose to pay for a package or tour so you can see as many countries as possible,” says Lisa Cheng, spokesperson for World Nomads, a travel insurance company. Or you could travel alone but pay a large amount upfront for your hotels and plane tickets, Cheng says. What if you had to cut your trip short?

Having to get home early from a dream vacation is high on the list of all-time disappointments, but trip interruption insurance can help lessen the financial blow. If you’re halfway around the world and your college-aged daughter is hospitalized with a critical illness, Trip Interruption Coverage will cover your flight home. It also reimburses you for lost non-refundable prepaid deposits for activities you miss. Trip interruption occurs for emergencies listed on your policy, such as death or illness in the family or an act of terrorism, among others.

Luggage and personal effects coverage for travel to Thailand

Bangkok’s Temple of the Emerald Buddha and Grand Palace attract thousands of tourists every day, and Thailand’s renowned street markets are always bustling. Where the crowds gather, so do petty thieves.

“Pickpocketing and snatching can be a problem in some parts of Thailand, so you may want to protect your luggage and personal belongings,” Cheng explains. “The ultimate way to protect your valuables is to leave them at home, but travel insurance can be a safeguard for your belongings in the event of theft. “

If you are the victim of theft, be sure to get a theft report from the police, tour operator or resort manager as you will need these documents to file a claim with your insurance company. .

Cheng says to check the exclusions and benefit limits section of your policy. Your reimbursement is usually capped at a certain amount and some items may be excluded from coverage entirely. Note that cash is not refunded.

Your travel insurance policy may also cover lost or misdirected baggage that never reaches you.

Medical expenses in Thailand

It is always a good idea to purchase a travel insurance policy that includes travel medical insurance when traveling abroad. This is because your US health insurance plan might provide little or no coverage in other countries. (Check your global coverage when planning your trip.) And health insurance is not accepted in Thailand.

Travel medical insurance pays for medical care, prescriptions, medical tests, and more if you are injured or become ill during your trip. For example, if you are on a beach in the Phi Phi Islands and are bitten by a jellyfish, your travel insurance may cover a doctor’s visit and medication.

“Whatever the case, travel insurance can help you with hospital referrals, ambulance transfers, medical follow-up and more,” says Cheng of World Nomads.

Serious medical emergencies

Being flown to a trauma center under any circumstances would be heartbreaking, especially if you are in a foreign country. That’s why it’s wise to plan for the worst-case scenario by making sure your travel plan includes emergency medical evacuation coverage. For example, let’s say a motorbike hits you on a busy street in Bangkok and you fracture a bone in your neck. Your travel insurance company can arrange a medical evacuation to transport you to the nearest well-equipped trauma center.

Medevac transportation is expensive, so having travel insurance to cover the cost can save you tens of thousands of dollars, and possibly a lot more.

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