Win a Travel Tech Bundle. T&Cs apply. Learn more
 

thailand Travel Insurance

 

 

Travel Insurance for thailand

Thailand offers an unforgettable mix of stunning beaches, vibrant cities, and rich culture. Whether you're exploring ancient temples in Chiang Mai, enjoying the nightlife in Bangkok, or lounging on islands like Phuket, travel insurance ensures you're covered for the unexpected, so get 1Cover Travel Insurance...It's the One thing you need when One thing goes wrong.

Medical Cover

Unlimited medical benefits should you get sick or have an accident including 24-hour emergency medical assistance, ambulance fees and medical evacuations.

Scooter cover

Cover for riding mopeds and scooters in Thailand, as long as you hold the appropriate licence. Full T&Cs apply.

Luggage Cover

Cover for luggage and personal effects stolen, lost or damaged during travel. 

Cancellation Cover

Covers cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances.

travel Documents

Cover for the replacement cost of your travel documents including passports, travel documents or travellers cheques lost or stolen from you during your Journey.

Theft of Cash

  • Cover for the following items stolen from your person; banknotes, cash, currency notes, postal orders and money orders. 

 

 

The one thing you need
when one thing goes wrong
​​​​​​

Thailand Travel Insurance FAQs

  • Will You Pay My Hospital Bills If I get sick or injured in Thailand?
  • Please refer to the PDS and policy schedule and check if your sickness or injury is a claimable event and is covered. If you are hospitalised, or if you are treated as an outpatient, or if the total cost of the treatment will exceed $1000, please contact our emergency assistance service as soon as possible to obtain their prior approval.

    In circumstances where the claim is approved, we can then provide written guarantees of payment of reasonable expenses for emergency hospitalisation that may be required while you are in Thailand. 

  • Will You Fly Me Home If I Need Evacuation From Thailand?
  • If you have purchased Comprehensive, Medical Only, Frequent Traveller, or Already Overseas, cover is available for your medical transfer or evacuation if you need to be brought back to Australia with appropriate medical supervision.

    Cover is also available under these plans for the return to Australia for your dependants if they are left without supervision following your hospitalisation or evacuation.

    All expenses for medical evacuation must first be approved by 1Cover. 

    This only applies to the plans listed above, as there is no cover for medical/hospital expenses or repatriation under Domestic plans.

  • am i covered to ride a moped or scooter?
  • If you are in control of a motorcycle or scooter with an engine capacity greater than 125cc, you need to hold a current, valid Australian motorcycle licence. If you are riding a motorcycle or scooter with an engine capacity lower than 125cc, you need to hold a current, valid Australian drivers licence.

    You also need to be aware that cover will not be provided to you if you are a passenger on a moped, scooter or motorcycle, and the person in control does not have a valid motorcycle licence for that country.  

    Please note that it’s compulsory to wear a helmet while riding a motorbike or scooter in many countries. Regardless of local requirements, 1Cover advises you to wear a motorcycle helmet whenever you are a rider or passenger on a scooter or motorbike

  • Can I Apply To Extend My Travel Insurance Policy While I’m Away?
  • Yes, of course. If you want to extend your policy while you’re in Thailand, the easiest way to do this is via the Policy Manager.
    You'll need your policy number (available in the email confirming your policy), and a few other simple details. Log-in and extend your trip, add destinations, or buy add ons/extras.

    Make sure you extend your policy before it expires (please keep in mind Australian AEST/AEDST).

    If you have trouble, you can email us at [email protected]

    Please note there may be instances where a policy extension is not available. 

  • What Happens If I Encounter Terrorism Or Political Unrest in Thailand?
  • In the event of a terrorist attack or political unrest, there is no cover for cancellation fees and lost deposits, disruption of journey or alternative transport expenses.

    However, if you do get caught up in an unforeseen event while you are in Thailand and you are injured, cover is available for all necessary medical/hospital expenses.

  •  Will I Be Covered If Something Happens To Me While Under The Influence Of Drugs Or Alcohol?
  • Our policy states that any claim arising from being intoxicated, addicted or under the influence of liquor or drugs, except those prescribed by a Medical Adviser, will not be covered. Learn more about alcohol and travel insurance.

  • Do I need any vaccinations before Visiting Thailand?
  • There aren't any compulsory vaccinations you need for Thailand. However, whenever you travel you should make sure you are up-to-date on routine vaccines. These include measles-mumps-rubella, tetanus, chickenpox, polio, and your yearly flu shot. There are some vaccines that are recommended for travellers visiting Thailand, including typhoid and hepatitis A.

    We advise that you speak with your doctor before your trip for appropriate advice.

  • Can I Choose My Excess?
  • Sure. If you choose a lower excess, it means you'll pay less if you need to claim, but you'll pay a little bit more upfront. If you opt for a higher excess, it means you'll pay less now and a little bit more if you need to claim.

  • I travel to Thailand a few times a year. What’s the best policy for me?
  • We have a policy called Frequent Traveller which allows you to take as many trips under the one policy for 12 months and enjoy comprehensive cover on each one. There is a limit to the maximum length of each trip on these policies. You can travel to one or more destinations with this policy. 

    Find out more about our annual travel insurance policies here.

  • Am I Covered For Travel Interruptions Caused by Natural Disasters?
  • Travel insurance provides cover for weather events as long as they are unforeseen. The most common types of natural disasters in Thailand are flooding and landslides. Our policies do not cover claims for losses caused by an event that you were aware of at the time of purchasing your policy.

    Once an event has become published in the mass media, it is expected that you have purchased your insurance with this knowledge in mind. 1Cover will, where possible, issue travel warnings in relation to such large scale events and the dates and times after which they are not seen as an unforeseen event.

  • Can I Get Extra Cover For My High-Value Items?
  • Laptop computers, cameras, mobile phones…they’re all things we need on at home and on holiday. That’s why you can choose a bit of extra protection for your can’t-live-withouts. All you need to do is include and specify certain high-value items that aren't automatically covered when you're buying your policy.

    Note: the items cannot be older than 12 month, and you can't specify items like jewellery, watches, bicycles and watercraft (apart from surfboards).

 

READ ALL FAQS

 

What does thailand Insurance cover?

  • Overseas Emergency Medical Assistance: Includes 24-hour emergency medical assistance, ambulance fees, medical evacuations, funeral arrangements, and messages to family and hospital guarantees.

  • Overseas Emergency Medical And Hospital Expenses: Cover if you are injured or become sick overseas, including; medical, hospital, surgical and nursing. 

  • Dental Expenses: Cover for your emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.

  • Additional Accommodation & Travel Expenses: Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas).

  • Family Emergency: Cover for additional travel expenses if your travelling companion, or a Relative of either of yours, dies unexpectedly, is disabled by an injury or requires hospitalisation.

  • Emergency Companion Cover: Cover for additional travel and accommodation expenses if your travelling companion cannot continue their Journey because of an injury or sickness.

  • Resumption Of Journey: Cover for the cost of airfares for you to resume your journey if you return home because of the unexpected death or hospitalisation of a relative of yours.

  • Hospital Cash Allowance: Hospital Cash Allowance

  • Permanent Disability: A permanent disability benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot (for at least 12 months, and which will continue indefinitely) within 12 months of, and because of, an injury sustained during your journey.

  • Loss Of Income: A weekly loss of income benefit is payable if you become disabled within 30 days of an injury you sustained during your journey, and you are still unable to work more than 30 days after returning to Australia.

  • Credit Card Fraud & Replacement: Cover for the replacement cost of your credit cards lost or stolen from you during your journey, and loss resulting from fraudulent use.

  • Travel Documents & Traveller's Cheques: Cover for the replacement cost of your travel documents including passports, travel documents or travellers cheques lost or stolen from you during your Journey.

  • Theft Of Cash: Cover for the following items stolen from your person; banknotes, cash, currency notes, postal orders and money orders. 

  • Luggage & Personal Effects: Cover for luggage and personal effects stolen, lost or damaged during travel. Common claims include luggage, personal effects, cameras, spectacles and a computer.

  • Luggage & Personal Effects Delay Expenses: Cover to purchase essential items of clothing and other personal items following Luggage delayed and Personal Effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. 

  • Cancellation Fees And Lost Deposits: Covers cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you, and which are outside your control, such as; sickness, injuries, strikes, collisions, retrenchment and natural disasters.

  • Disruption Of Journey: Cover for additional meals and accommodation expenses, after an initial 6 hours delay, if your Journey is disrupted due to circumstances beyond your control.

  • Alternative Transport Expenses: Cover for additional travel expenses following transport delays to reach events such as; a wedding, funeral, conference, sporting event and pre-paid travel/tour arrangements.

  • Personal Liability: Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you. 

  • Rental Vehicle Excess: Cover for the excess payable on your rental vehicle's motor vehicle insurance resulting from the rental vehicle being; Stolen, crashed or damaged and/or cost of returning the rental vehicle due to you being unfit to do so.

 

Award Winning Travel Insurance

1Cover awards

Why visit thailand?

thailand

 

Thailand has long been a favored travel destination for Australians, here’s 5 reasons why.

1. Affordable Travel: Thailand offers a great balance of quality and value. With affordable accommodation, food, and activities, it’s an ideal destination for budget-conscious travelers.

2. Beautiful Beaches & Islands: Thailand is home to some of the world’s most stunning beaches and islands, like Phuket, Koh Samui, and Krabi, where Aussies can enjoy crystal-clear waters, white sand, and vibrant marine life.

3. Rich Culture & History: Thailand’s temples, royal palaces, and ancient ruins provide a deep dive into the country’s fascinating culture and history. From the Grand Palace in Bangkok to the ancient city of Ayutthaya, there’s much to explore.

4. Delicious Food: Thai cuisine is famous for its vibrant flavors, featuring fresh ingredients and aromatic spices. Whether you’re enjoying street food like pad Thai or savoring a traditional Thai curry, the food is a major highlight for any visitor.

5. Warm Hospitality: Thai people are known for their friendliness and hospitality. Visitors will experience a warm welcome, making their trip even more enjoyable and memorable.

If You Only Do One Thing...

Thailand Survival Guide
The One Thing You Should Read Before Visiting Thailand

1Cover’s Thailand Survival Guide is packed full of hot tips and sage advice to keep you safe on your adventure.

Thailand Party Town
The One Place To Party In
Thailand

Do you love to party? If you’re up for a party like no other in the world, there’s only one spot you need to be when you’re in Thailand.

Budgeting in Thailand
The One Way To Save Money In Thailand

Travelling on a budget and wanting your dollars to last the distance? Here’s how to get the most bang for your Baht while you’re in Thailand.

 

We've Already Helped 2 Million Customers

1Cover is rated 4.2 out of 5 by over 1639 reviews on
  • "Recommend to friends & family"

    “We’ve been using 1Cover for more than 10 years and have been completely satisfied. 1Cover have always dealt with my claims in a professional manner. We have no hesitation in recommending 1Cover.”

    Steven Adams, June 24

  • Outstanding service

    “We will always use 1Cover from now on - outstanding service, great experience (apart from the torn ACL). Huge thanks to our emergency case manger. Outstanding!!” 
    Matthew Noblet, June 24

  • "Process was so easy"

    Thank you for making a horrendous time truly easy! The process, care and professionalism of our claim was the best. In our 72 years, we have never had a Travel Claim, We will be sure to recommend you to all our friends.

    Kenneth & Angela Murray, May 24

  • Your staff are amazing

    “1Cover would be void without their staff and all of you are amazing! Thank you for your individual support, I shall continue to recommend your company whenever the opportunity arises."  

    Maria Purdie, May 24

Read More Reviews

 

Emergency Contacts & How To Claim

We hope nothing goes wrong on your trip to Thailand. But if it does, the resources in this section can help you.


The Australian Embassy is located in Bangkok, and there are Australian consulates in Phuket, Koh Samui, and Chiang Mai. All of these offices are able to provide you assistance with consular, passport, visa and immigration, citizenship and cultural relations services and enquiries. 


Be informed. Be prepared. If you're across The Australian Government's Smart Traveller website, you'll have all the latest information for your Thailand trip. Smart Traveller is a trusted resource for Australian travellers and is updated regularly, so make sure you bookmark this handy resource.


If you need emergency assistance in Thailand, please call our 24/7 emergency medical assistance line.

For non-emergency assistance, you can message our Sydney-based support centre seven days a week


If something happens to you and it's not an emergency, you can start the claims process whenever it's convenient to you. Visit our online claims platform, and if you have all the necessary documentation, your claim will be processed in 10 business days. 

Still Need Some Help? Contact Us!

If you have any other questions or queries, please visit our Contact Us page. 
If you are experiencing an emergency, please use the details on our Emergency Assistance page.