Best Thailand Travel Insurance: Costs and Tips

Who I am
Martí Micolau
@martimicolau
SOURCES CONSULTED:

wikipedia.org, lonelyplanet.com

Author and references

White sandy beaches and crystal clear sea, and then Bangkok, a sprawling metropolis where past and present coexist between golden temples and towering skyscrapers.

For a safe journey, it is of paramount importance to take out one good travel insurance that covers any unforeseen events that may happen to you, so as not to further ruin your holiday. It is important to know that public hospitals do not have the quality level we are used to.
Of course, there is no lack of high-performance and excellent facilities, but we are talking about private clinics that provide services to the tens of thousands of euros.

Before embarking on a flight to the Land of Smiles, then get yourself a policy with high limits for medical expenses and ancillary services.
Here are the best travel insurance for Thailand!



Index

  1. Heyworld
  2. Allianz Global Assistance Travel Care
  3. Frontier Travel Insurance
  4. Columbus Insurance
  5. Coverwise
  6. Is Thailand travel insurance mandatory?
  7. Why do health insurance: risks and dangers
  8. How to choose travel insurance
  9. User questions and comments

Heyworld

Young but excellent travel insurance, which guarantees one full coverage at very affordable prices.

Available to its customers: customer assistance, call center always active e medical insurance 24 hours a day 365 days a year. All services, exclusively, always in Italian.

Possibility to choose between two options: the temporary one that covers a single trip up to 45 days and the multi-trip that includes: Top multi-trip, annual insurance that covers all trips made in 365 days and reimburses medical expenses, early return, luggage and the Premium multi-trip which also includes delayed departures and early return.

Possibility to download afree app for dedicated assistance and free calls from anywhere in the world with just one click.

The proposed policies are:



  • Travel Tranquility, which includes medical expenses, early return and travel assistance
  • Travel Top, which includes medical expenses, early return, travel assistance and damage from loss or damage to luggage during the trip
  • Premium travel, which includes medical expenses, early return, travel assistance, loss or damage to baggage during the trip and cancellation of the trip which will allow you to have a refund

Allianz Global Assistance Travel Care

World leader in the world of insurance, it certainly is one of the best travel insurance abroad currently on the market, for price, coverage, flexibility and reliability.
The motto is "Whether you are traveling for study, for work or simply for pleasure, Allianz Global Assistance has the right policy for you".
Indeed it offers a wide range of policies among which to choose according to the type of trip or vacation, including study holidays and business trips. A wide and complete range of products capable of responding to every need.

Two essential coverages are guaranteed: 24 hour health care e direct payment of medical expenses.

  • Travel Care, which guarantees 24/24 health care and direct payment of medical expenses
  • Annual Travel Care, multi-trip insurance designed for frequent travelers: if you take several holidays each year with a maximum duration of 35 days
  • Travel Business, the insurance developed for business trips
  • Travel Cancel, the cancellation insurance that protects against cancellation penalties
  • Travel Fly, a policy that provides for reimbursement in the event of air accidents, terrorist acts, accidents in flight that cause permanent disability or death

Frontier Travel Insurance

It is among the best travel policies online, specialized exclusively in the travel industry.
Totally Italian, this company collaborates and works together with Insurance Travel and IMA Assistance, leading companies in the insurance world: the former acts as an intermediary in the management of pre-sales information, after-sales assistance and claims management; while the second deals, instead, with the actual underwriting of insurance products.
The insurance policies provided are divided into the following 3 categories:



  • Base, which includes travel assistance, telephone medical assistance, medical expenses, home assistance during the journey and roadside assistance.
  • Smart, which includes travel assistance, telephone medical assistance, medical expenses, home assistance during the journey, breakdown assistance and damage to luggage during the journey
  • Top, which, in addition to what Smart offers, also includes reimbursement for flight delay, trip cancellation, trip interruption and accidents including the flight

Columbus Insurance

It is a leader in the travel insurance industry.
His policies are between the most advantageous on the market for the quality / price ratio.
They start from € 9,00 and include the most varied services, also providing unparalleled customer assistance.
Columbus travel insurance includes: coverage of unlimited medical expenses, 24-hour assistance, repatriation, theft of luggage and travel cancellation up to € 2.000,00, legal fees up to € 10.000,00 and civil liability up to € 500.000,00, as well as the possibility of accessing the Vip Lounge in the event of delayed flights, and free insurance for children from 0 to 2 years.
Some of the policies to choose from are:

  • Individual Insurance
  • Group Insurance, for groups of 8 people upwards; proposals with prices that vary according to the destination, duration and number of people
  • Student Insurance, tailor-made for those who want to follow a university study program abroad (Erasmus, Leonardo project, PhD) and for students leaving for a cultural exchange, internship or language course
  • Backpaper Insurance, guarantees protection and safety to those who love to travel for long periods or even spend a whole year abroad
  • Sport and Adventure Insurance, covers damage resulting from numerous sporting activities (surfing, beach volleyball, windsurfing, snorkeling ...). Free for the first 3 days of activity, expandable up to 7 by adding the "sport extension" option

Coverwise

As in the case of Frontier, it is one insurance company specializing in the stipulation of travel insurance policies.
The fact of dealing with this sector exclusively and for years, is an added value that makes it one of the best online insurance for abroad.
Coverwise customers can afford to enjoy their vacation to the fullest without having to worry about a thing.
The proposed policies are:



  • All-inclusive coverage, includes: medical expenses abroad, medical and health assistance 24 hours a day, travel injuries, luggage, roadside assistance, assistance to family members and homes and more
  • Medical Coverage, offers comprehensive services such as round-the-clock assistance, medical return, medical expenses abroad, third party liability, travel interruption and more
  • Medical coverage and baggage, protects you and your belongings in case of unforeseen events and accidents, also avoiding unpleasant surprises upon arrival at the airport
  • Cancellation Cover, relieves you from the burden of penalties that are normally applied in case of cancellation of the trip

Below is a comparative table of prices for the stipulation of travel policies.

NB: Prices are intended for an adult basic policy without previous illnesses

Is Thailand travel insurance mandatory?

Travel insurance to go to Thailand is not mandatory but strongly recommended.

As for any destination, even more so for such distant destinations, it is a good idea to take out an insurance policy that covers unforeseen events such as cancellation and / or delay of flights, lost luggage, theft etc ...
Of fundamental importance, especially in the case of Thailand, is health insurance. Lideal is insurance that offers translation services and provides 24-hour assistance, 7 days a week.

Why do health insurance: risks and dangers

Health insurance is essential especially when you go to places, such as Thailand, where public health facilities offer services of a quality level far below Western standards.
Health facilities satisfactory in Thailand are private, they are only found in Bangkok and large cities and are generally very expensive.

Without having to think about situations of extreme gravity, in Thailand there are many conditions that can in some way cause problems that require the intervention or simple consultation by a doctor.
The main possible accidents during the holiday, concern:

  • Poisoning and pathologies conveyed by food and water. Consume only well-cooked foods and fruit that can be peeled. Drink only bottled water and also use it to brush your teeth
  • Accidents and injuries resulting from sports activities, including aquatic ones. If you need courses or equipment, it is good to contact operators with the necessary certifications, so as not to find yourself in improvised and dangerous experiences
  • Problems caused by the heat: heatstroke, dehydration and sunburn
  • Road accidents: For scooter or car rental, always contact officially authorized companies. International driving license and helmet obligation for both driver and passenger
  • Diseases carried by animals and insects: snakes, spiders, monkeys, fish ... But that's not all. In Thailand there are many stray dogs, even in tourist areas. Don't approach them!
  • Risk of major natural disasters such as earthquakes and tsunamis. For excursions it is advisable to rely on highly experienced local guides and keep up to date through the local and international mass media
  • Episodes of petty crime. Don't carry a lot of cash and avoid displaying valuables. Maximum attention in public places in tourist areas and especially outside the clubs where go-go bars and lady boys try to attract and circumvent tourists

How to choose travel insurance

Agencies specializing in travel insurance are certainly the ones to be preferred; not only because they are the most specialized in the sector, but also because they usually offer the most complete and, sometimes, even the most convenient policies.

For each item, the value of the ceiling and the deductible must be carefully evaluated.

As for health coverage, make sure that is included the translation service h24 and 7 days a week and find out that payments are anticipated and not reimbursed at a later time once you return home.
In the case of any hospitalization that therefore provides for a longer stay on site than expected, it is good to cover room and board for at least one relative / companion who is forced to extend the stay. In the case of a solitary traveler, it is desirable to cover travel expenses (as well as accommodation) for the close relative called to assist him.

For baggage make sure the per-item limit covers the most valuable items.

Also important is the refund in case of voluntary withdrawal for any reason; as is the coverage for damages caused to third parties.

  • Amount of the ceiling / deductible
  • Lost luggage theft coverage
  • Compensation for expenses in the event of voluntary withdrawal
  • Liability coverage (expenses or compensation in the event of damage to third parties)
  • Telephone - medical assistance and translation service 24 hours a day, 7 days a week
  • Whether or not there is compensation for injury / death / disability
  • Medical repatriation due to injury or illness
  • Repatriation of the body
  • Payment of travel and accommodation expenses for any family members forced to join the sick / disabled person
  • Presence or not of compensation for changes / unforeseen events: unexpected flights or alternative means of transport, change of hotels or apartments, etc ...
  • Refund for unused holidays
  • Terms of direct payment and advance of expenses (whether or not you have to pay the ordinary medical expenses or if the insurance takes care of it directly)
  • Early return due to death or serious injury of a relative "at home"
  • Coverage for accidents relating to previous and / or chronic illnesses
  • Age limits for the insured person
  • Compensation in the event of kidnapping
  • Compensation for the rescue of people


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