Thailand is packed with incredible things to experience, from vibrant cities and golden temples to tropical beaches and unforgettable food. With so much to see and do, it’s worth having cover in place in case something unexpected happens. That way, you can relax and make the most of your time away.
Holiday Extras travel insurance for Thailand includes cover for essentials such as emergency medical treatment, trip cancellations and personal belongings. With bronze, silver and gold options available, you can pick the level of protection that fits your trips and individual needs.
Do I need travel insurance for Thailand?
Travel insurance isn’t a legal requirement for visiting Thailand, but it’s still a smart thing to have in place. The UK does not have a reciprocal healthcare agreement with Thailand, which means British travellers can’t access free or reduced-cost medical treatment. Medical care must be paid for privately, and unexpected costs from illness, accidents or cancellations can quickly add up.
Medical costs aside, knowing you’re covered for things such as lost luggage, unexpected illness, and flight delays means you can switch off and enjoy everything Thailand has to offer.
Always check your policy documents for the full details of whats covered and whats not.
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Is travel insurance for Thailand expensive?
The cost of travel insurance for Thailand can vary depending on a number of factors. These include your age, the length of your trip and the level of cover you choose.
If you have medical conditions, these can also affect your policy premium. If you are travelling with a medical condition, insurers may see this as a higher 'risk', potentially making your policy cost more. For more information on this, take a look at our page dedicated to Holiday Insurance with Pre-Existing Medical Conditions.
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Compare travel insurance cover levels
Choose from three different levels of cover, each with its own cover limits. Ranging from a simpler 'Bronze' plan to a higher level 'Gold' plan, you can tailor your policy to suit your needs. Browse the key benefits below, or see the full breakdown in our cover-level table and Policy Documents.
Bronze
| £15,000,000 | Emergency medical and repatriation expenses |
| £1,000 | Cancellation & Cutting your trip short |
| £2,000 | Personal belongings |
| £500 | Personal money |
| £500 | Gadget Cover |
Silver
| £20,000,000 | Emergency medical and repatriation expenses |
| £2,500 | Cancellation & Cutting your trip short |
| £3,000 | Personal belongings |
| £750 | Personal money |
| £500 | Gadget Cover |
Gold
| Unlimited | Emergency medical and repatriation expenses |
| £5,000* | Cancellation & Cutting your trip short |
| £5,000 | Personal belongings |
| £1,000 | Personal money |
| £750 | Gadget Cover |
*Or as specified on your schedule
Does Thailand travel insurance include activities?
Thailand is bursting with ways to turn up the energy on your trip. From calm, crystal-clear waters to full-on adrenaline activities, there’s something for every kind of adventurer. Some activities are covered as standard, but higher-risk activities may require an add-on or approval from the underwriter.
Water sports
Snorkelling around the Phi Phi Islands or kayaking in Phang Nga Bay? Many water sports in Thailand may be covered as standard under your policy. If you’re planning something more adventurous, such as white water rafting or jet skiing, you may need to add Extended Risk cover.
Extended Risk add-on
Planning to take things up a level? If you’re participating in higher-risk sports or activities while in Thailand, they may fall under our Extended Risk add-on. This option provides cover for a range of higher-risk activities and can be selected during the add-on stage before you complete your purchase.
Use our handy activity checker to see whether your chosen activity or sport is covered as standard, or if you’ll need to add extra cover.
Top attractions in Thailand
Krabi Island - No trip to Thailand would be complete without a trip here. Home to some of the most famous beaches in the world.
Ko Tao - Learn to scuba dive, an idyllic island in the south of Thailand.
Ko Pha-Ngan - Dance on the sands of Ko Pha-Ngan, home to the legendary Full Moon Parties.
Chiang Mai - Turn up the heat as you uncover the bold, aromatic spices
What are the benefits of buying a Holiday Extras insurance policy?
- Flexible cover levels - Pick from bronze, silver, or gold policies to suit your trip plans and budget, whether you're going all out, or keeping things simple.
- Support for pre-existing conditions - Most medical conditions are considered, with a quick and easy online screening process.
- Medical support abroad, made easy - Every policy includes free access to AnywhereGP, a 24/7 virtual medical support service for non-urgent help while you’re away.
- Extra cover, if you want it - Add-ons are available for gadget protection and winter sports so you can tailor your policy to your plans.
- Award-winning protection - We've been voted Best Insurance Provider for 16 years in a row.
Over 40 years experience in travel services.
Voted Best Insurance Provider 16 years running – since 2009.
Tailored policies to suit your personal requirements.
£13.8 million paid in 2024, providing reliable support when it matters most.
Let us answer your questions
Why is Thailand travel insurance so expensive?
Travel insurance for Thailand can sometimes cost more than European cover because it’s a long-haul trip, and medical treatment in private hospitals, plus emergency flights back to the UK if needed, can be expensive. Insurers factor in those higher potential costs, along with your age, trip length, level of cover, medical history and any activities you’ve planned.
What vaccinations are needed for Thailand?
Whilst there are no specific vaccination requirements to enter Thailand in most cases, you should be up to date with routine UK vaccinations and boosters, such as the measles-mumps-rubella (MMR) vaccine and diphtheria-tetanus-polio vaccine.
Is it safe to go to Thailand right now?
Thailand continues to welcome travellers, and everyday tourism. Before you go, it’s always worth checking the UK Government's Thailand guidance before you go. Thailand travel insurance also adds a helpful safety net.
What money should I take to Thailand?
The currency used in Thailand is the Thai Baht (THB).
It’s a good idea to have a small amount of baht ready for when you land — handy for things like transport, tips or a quick snack while you get your bearings. There’s no need to carry lots of cash though. ATMs are easy to find in airports, cities, popular resorts, and most hotels. Restaurants and larger shops also accept major debit and credit cards.
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Holiday Extras Travel Insurance is sold and administered by Holiday Extras Cover Limited, registered office address: Ashford Road, Newingreen, Hythe, Kent CT21 4JF.
Holiday Extras Cover Limited is an insurance intermediary authorised and regulated by the Financial Conduct Authority, registration number 828848. You can check this on the Financial Services Register by visiting: http://register.fca.org.uk
Holiday Extras™ is a Trading Name of Holiday Extras Cover Limited. The insurance is underwritten by Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 1 Fen Court, London, United Kingdom, EC3M 5BN.
Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting: http://register.fca.org.uk
Our flight delay cover is underwritten by Astrenska Insurance Limited and serviced by Collinson Insurance Services Limited.