35M+

Tourists yearly

$1.50

Per day from

10+

Providers compared

Under 3 Months

Holidays, backpacking, short visits. You need travel insurance—covers medical emergencies, trip cancellation, lost bags.

Travel Insurance Guide →

3-12 Months+

Living in Thailand, digital nomads, long stays. You need health insurance—comprehensive medical coverage.

Health Insurance Guide →

O-A, O-X, DTV Visa

Retirement or digital nomad visa? You need visa-compliant insurance—legally required for your visa.

Visa Insurance Guide →

SafetyWing

From $45/month

Best for digital nomads. Subscription model, buy while traveling.

Travel Insurance

World Nomads

From $50/trip

Best for adventure. Covers motorbikes up to 125cc.

Travel Insurance

Cigna Global

From $150/month

Best overall for expats. Worldwide coverage, great network.

Health Insurance

Pacific Cross

From $60/month

Best value for visa. Thai insurer, OIC-approved.

Visa Insurance

Allianz

From $30/trip

Trusted global brand. Good for families and standard trips.

Multi-purpose

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Is insurance required to visit Thailand?

For tourist visas: No, but strongly recommended. For O-A, O-X retirement visas: Yes, legally required since 2019. For DTV (digital nomad visa): Yes, $50,000 minimum coverage required.

How much does Thailand insurance cost?

Travel insurance: $1.50-$5/day ($25-70 for 2 weeks). Health insurance: $80-$300/month depending on age and coverage. Visa-compliant insurance: $60-$200/month depending on age.

Does insurance cover motorbike accidents?

Most policies exclude motorbikes. World Nomads is the main exception—they cover motorbikes up to 125cc with a valid license. SafetyWing only covers under 50cc. Always check your policy before riding.

Can I buy insurance after arriving in Thailand?

Yes, SafetyWing and World Nomads let you buy while abroad. However, there’s usually a short waiting period (1-3 days) and trip cancellation won’t be covered. Better to buy before you leave.

What’s the best insurance for Thailand?

It depends on your situation. Tourists: SafetyWing or World Nomads. Expats: Cigna Global or Pacific Cross. Retirees (O-A visa): Pacific Cross (budget) or Cigna (comprehensive). Adventure travelers: World Nomads.

Is my credit card travel insurance enough?

Usually not for Thailand. Credit card insurance typically has lower limits, excludes motorbikes and adventure sports, and has trip length restrictions. A dedicated policy is worth the extra $30-50 for proper coverage.

What if I have pre-existing medical conditions?

Travel insurance usually excludes pre-existing conditions. Health insurance may cover them after waiting periods or with higher premiums. Always disclose conditions—hiding them can void your entire policy.

How do I make a claim if something happens?

Call your insurer’s 24/7 emergency line immediately. They can arrange direct billing with the hospital. Keep all receipts, medical reports, and documentation. Most insurers have apps for submitting claims online.

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