Why travel insurance is a must
Medical care in Thailand is generally high quality, but if you need treatment, costs can add up fast — especially in private hospitals. Accidents, food poisoning, and even lost luggage can throw a wrench in your trip. A good travel insurance policy ensures you’re covered for medical emergencies, trip cancellations, and unexpected mishaps, so you can explore with peace of mind. Here’s what you need to know before choosing a policy.
Hospital costs in Thailand
If you end up in a private hospital without insurance, expect a hefty bill. While public hospitals are cheaper, they’re often overcrowded, and waiting times can be long. Here’s what you could be paying without coverage:
- Doctor’s consultation: $30–$100
- Emergency room visit: $100–$300
- Hospital stay (private room): $200–$500 per night
- Surgery: Anywhere from $1,000 to $20,000, depending on complexity
- Medical evacuation to your home country: $20,000+
Without insurance, even a minor injury can turn into a financial nightmare.
What to look for in a policy
Not all travel insurance is created equal. When choosing a plan, make sure it includes:
- Medical coverage – At least $100,000 for hospital stays, doctor visits, and medications.
Emergency evacuation – If you need to be flown home for treatment, this can cost tens of thousands of dollars. - Adventure sports coverage – If you’re planning on scuba diving, rock climbing, or motorbiking, make sure these activities aren’t excluded.
- Trip cancellations and delays – Helps if flights are canceled or you need to cut your trip short.
- Lost or stolen belongings – Covers theft or damage to your gear, including cameras and laptops.
Trusted providers
Several insurance companies cater specifically to travelers in Thailand. Some well-reviewed options include:
- World Nomads – Great for adventure travelers, covering activities like scuba diving and motorbiking.
- SafetyWing – A budget-friendly option, especially for long-term travelers and digital nomads.
- Allianz Travel – Comprehensive plans with high medical coverage limits.
- IMG Global – Offers strong medical coverage with evacuation options.
Always read the fine print to ensure your activities and destinations are covered.