Travel Insurance for Thailand

If you’re visiting Thailand, you’ll need plenty of time to fit in all the activities and experiences on offer including tropical palm-fringed islands, emerald waters and white sand beaches, historic temples, and bustling street markets.

No matter what your plans are in Thailand, you should consider travel insurance as you never know when it may come in handy.

What do I need to know when travelling to Thailand?

When visiting Thailand, the first thing to do before you pack your bags is check the Thailand government’s website to ensure you have fulfilled all the entry requirements. The rules around COVID-19 were relaxed in 2022. However, you should check whether you may need proof of a COVID-19 vaccination, or if you are unvaccinated if you’ll require a negative PCR or RAT test 72 hours before entering Thailand.

Note: Always check the travel requirements and restrictions for the countries you are planning to visit as rules and restrictions are subject to change.

TID travel insurance coverage includes:

• Cover for overseas medical expenses
• Medical repatriation if you're severely injured or fall ill abroad
• Cover for lost, stolen or damaged valuables
• Cover for lost or delayed baggage
• Cover for cancellation or trip delay
• Cover for over 150 activities and sports.

Traveller tip: don’t forget when travelling overseas, your Australian passport must have at least six months before its expiry date.

Things to look out for when planning a trip to Thailand

Thailand has long been the go-to destination for travellers seeking rest and relaxation, adventure activities, and a lively nightlife. However, you should keep in mind some of the things below just in case you need to use your travel insurance while in Thailand

Theft and pickpockets

Like anywhere around the world, you’ll need to look out for pickpockets and always keep an eye on your valuables when in Thailand. While Thai people are some of the friendliest and most easy-going people you will come across, there is always the chance that an opportune thief will strike when you’re not looking.

Always keep an eye on your bags and valuables and beware of pickpockets in the major cities such as Bangkok and Phuket. Keep copies or originals of receipts for any gear and valuables that you purchase. Also please note that if you decide to take a photo with the cute monkey and it runs off with your camera or phone, unfortunately we don’t offer cover for dodgy monkey business!

Severe weather events

Depending on when you visit Thailand, you’ll need to be aware of possible severe weather events such as storms and earthquakes.

The best time to visit Thailand is during high season between November to February (cool season). Temperatures range from 29°C to 34°C. The hot season is from May to June, the best parts of Thailand to visit at this time are the South Islands, for example the Similan Islands. Other popular options are Phuket, Krabi and the Thai Islands in the Andaman sea, as well as Koh Samui, Koh Pangan and Koh Tao.

The rainy or 'monsoon' season in Thailand occurs between July and October. The rains can be heavy but inconsistent (lasting just a few hours), whereas towards the end they become more persistent. 

While the climate can vary throughout the country depending on where you are visiting - North, Central or South or Mountains versus the coast - Thailand is a country that you can visit all year round. Please note that in the south, the climate differs between the eastern and western coasts.

Always refer to the Australian Government’s Smartraveller website for current travel alerts affecting Thailand before you buy a policy, before you leave Australia, and during your travels.

Stay hydrated and watch out for food poisoning

We recommend that you don’t drink tap water while in Thailand. Always be mindful that water-borne, food-borne, parasitic and other infectious diseases (including tuberculosis, cholera, hepatitis, malaria, dengue fever and typhoid) are prevalent in Thailand.

If you’re a foodie and your thinking of taking the four-hour Bangkok midnight food tour on a Tuk Tuk and plan to get a food coma on some tasty Thai food, you may want to be careful of where you choose to eat. While street food or local restaurants food is for the most part OK, you may want to be mindful when giving in to the temptation of delicious street food.

We recommend you stick to drinking bottled water, wash your hands before eating, and be cautious of ice, unwashed or unpeeled fruit and uncooked vegetables.

Don't let a motorbike or scooter ride ruin your trip

In Thailand, it’s easy to rent a motorcycle, and you’ll see many people riding along the streets of Bangkok or Phuket. While you most likely won’t experience a serious accident, it is well-known that every year, hundreds of tourists are injured in motorcycle and scooter accidents in Thailand.  

Always check your PDS if you plan to get on a motorbike or scooter in Thailand. For your coverage to take effect, certain conditions apply:

• You must have a valid motorcycle driver’s license from home and a valid one for Thailand
• You’ll need to comply with local laws and safety practices (obey speed limits, don’t drive drunk)
• Always wear a helmet.

Always ride cautiously and make sure the rental scooter or motorbike comes with liability insurance. Always give way to larger vehicles, and watch out for livestock, potholes and other hazards on the road. 

Remember: terms, conditions, limits and exclusions to coverage will apply so read your policy carefully for full details.

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.