If you’re on the fence about getting travel insurance for Thailand, I hope this posts sheds some light on why you MUST have it. After all, it could save your life.
Aside from the possibility that travel insurance will be mandatory for tourists who come to Thailand starting in late 2019, some hospitals will deny you treatment if you can’t prove that you have:
- a credit card with enough balance to cover the cost of the medical treatment;
- enough cash on you to cover the medical treatment; or
- travel insurance with enough coverage.
This means if you’re in a life-threatening situation, you could be denied medical care.
I don’t know about you, but that scares me.
Most of the time, people who use travel insurance in Thailand don’t need it for life-threatening situations. It’s usually scooter accidents, bug bites, food poisoning, or some other unfortunate mishap that forces them to file a claim.
An health aside, you also need insurance for lost or damaged luggage and electronics or hotel and flight delays and cancellations.
Who Needs Travel Insurance
If you want to travel to Thailand should get travel insurance. Why? Because here are a few activities that could get you sick or injured in Thailand:
- Backpacking: you could slip, trip, fall, or get bite by a bug or snake
- Banana boating: the driver purposely tries to send you flying off the banana boat
- Eating: you could get food poisoning (happened to me three times!)
- Hiking: see backpacking
- Cycling: you could take a spill on loose gravel or get hit by a car
- Scuba diving: you could get cut on coral or bitten by a fish or shark (it happens)
- Elephant riding: you could fall off the elephant
- Fishing: you could get hooked
- Go karting: you could crash your go kart and get injured
- Boxing, Muay Thai, and MMA training: need I explain?
- Jet skiing: you could fall off your jet ski and get injured
- Socializing: my close friend caught the Thai strain of chicken pox from someone!
- Riding a tuk tuk: the tuk tuk may crash or a car may run into the tuk tuk your sitting in
- Wake boarding: you could fall off and get hurt
- Doing yoga: you could pull a muscle
Medical Care in Thailand
One of the main reasons you need travel insurance is to cover you in case you get sick or injured in Thailand.
Medical care in Thailand isn’t too expensive when compared to Western countries. But if you get seriously sick or injured, the costs will add up, especially if you go to a private hospital in Thailand, which, to be honest, is a hell of a lot better than a government hospital.
What to Look for In a Travel Insurance Policy
Before you buy travel insurance make sure to answer the following questions.
Is It Valid in Thailand?
Travel insurance that doesn’t cover you in Thailand does you no good. So make sure your travel insurance covers you for Thailand.
Does it Offer Cancellation Coverage?
Make sure your travel insurance plan covers you for cancelled hotels and flights. You might be well prepared for your trip, but is the hotel or airline?
Does It Give You Medical and Evacuation Coverage?
Your travel insurance plan should cover medical costs, including transportation to the hospital, in- and out-patient care, and evacuation if you need to be sent back home for further treatment.
Does it Cover Your Lost, Stolen, or Damaged Gear and Luggage?
Make sure your travel insurance covers your gear or luggage if it’s lost, stolen, or damaged. Theft is rare in Thailand, but it does happen.
You’re more likely to lose or damage your gear than to have it stolen. Covering your phone, camera, laptop, and other electronics is a must.
Does It Cover Dangerous Activities?
If you’re coming to Thailand for sports or adventure, make sure you understand what you’re covered for. And if a standard travel insurance policy doesn’t cover you for the sport or activity you want to do, ask if they have an add-on.
You don’t want to get cut while snorkeling or scuba diving only to find out that you’re not covered.
What to Do Next
I recommend you get travel insurance through World Nomads. You get coverage for all the things I’ve listed above and World Nomads is valid in Thailand.
Head over to their page and get an instant quote for Thailand travel insurance.
You can get coverage in a matter of minutes. You can also extend your coverage if you want to extend your stay in Thailand.
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