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Travel Insurance Direct

Travel Insurance for Thailand

Before you venture off on your tropical escape, consider a policy with Travel Insurance Direct

Why should I consider travel insurance for a trip to Thailand?

The world’s most sought-after islands and beaches, amazing street food and the hustle and bustle of Bangkok. It’s little wonder Aussies choose to go to Thailand in their droves to spend their hard-earned holiday time and tourist dollar.

However, with pickpocketing, scams and food-related market mishaps, there’s plenty that can go wrong when holidaying in Thailand. We can take care of the what-ifs with travel insurance cover for this tourist hub.

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 sandy 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. Smartraveller is a good place to start. The TID travel alerts page is also worth regular viewing in the lead up to your holiday. 

Get a quote to get your next domestic or international adventure underway today.

TID travel insurance coverage includes:

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 Thailand trip 

Thailand has long been the go-to destination for travellers seeking rest and relaxation, adventure, and happening nightlife. But you should keep in mind some of the things below just in case you need to use your travel insurance while you’re in the so-called ‘Land of the Free’.

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. You can keep a track of travel warnings and alerts here.

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 beware of 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 this part of Asia. Please note that this is not medical advice but a recommendation by the World Nomads team.

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 Product Disclosure Statement 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. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Product Disclosure Statement

What does travel insurance cover me for in Thailand?

Cover is available with different benefits with a TID travel insurance policy. Here are some of them.

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Don't like medical bills?

Compensation for unforeseen medical expenses incurred whilst on an overseas holiday

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Airline cancelled flight?

If your flight is cancelled by the Airline for operational reasons we cover the reasonable cost of meals and accommodation.

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Taking luggage with you?

Cover if your luggage is stolen, permanently lost or accidentally damaged due to circumstances outside of your control.

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Unexpected cancellation?

Insurance if you have to cancel your trip due to unforeseeable events outside of your control (e.g. sudden illness).

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

Choose a plan that suits your holiday.

Just like choosing the perfect destination for your next getaway, selecting a travel insurance plan to suit your needs may be just as important. We have four plans to choose from, each offering a different level of cover. Check out each of the plans below where you'll find loads of information about each one.

The Works

Our most popular and comprehensive plan, the Works offers broad cover for international trips including unlimited cover for costs such as medical expenses and cancellation as well as added benefits.

The Basics

Sticking to a shoestring budget? Our budget plan is designed for travellers who want coverage for all the important things, like hospital bills and stolen luggage, without breaking the bank.


Are you a frequent flyer? If you travel often for business, or have a few holidays coming up, our Annual Multi Trip plan could be for you. Made for globetrotters, your trips can be up to 35 days in duration and there is no limit to the number of trip you can take during a 12 month period.

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

Thailand travel insurance FAQs

Am I covered for medical procedures such as dental work that I plan to have done in Thailand?

No, we do not cover for any foreseen medical treatments planned or claims that arise from travelling to obtain medical treatment.

Am I covered for damage to Jet Skis?

Damage to Jet Skis is not covered on any of our travel insurance plans.

We have a stopover in Bangkok before we go to Phuket, are we covered for travel delay?

On The Works plan, we offer a travel delay benefit for delays of more than six hours. Depending on the situation there may also be cover available under Additional Expenses benefit.

Are we covered for natural disasters in Thailand?

Cover is available for natural disasters if they are sudden and unforeseen, and you’ve purchased your policy before the event occurs

Is food poisoning covered on the policy?

One of our benefits on our Overseas plans is emergency medical expenses incurred overseas. You can also contact our 24/7 emergency assistance team in the event of food poisoning so they can further assist you. This means that if you’re hospitalised or have to see a doctor in Thailand because of food poisoning (or anything else), you’re covered.

What if I need help understanding my policy?

Our Customer Service team is just a phone call away, ready and able to help you navigate your policy, what you may be covered for and any documentation you need to pick up along the way. TID’s travel safety team work to keep customers informed and publish information on major travel events on our website.

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

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