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Travel Insurance for Thailand

Turquoise waters, vibrant culture, lush jungles and Tuk Tuks.

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As featured in:

With white sandy beaches, beautiful temples, and island hideaways, Thailand is a top destination for Aussies looking to unwind. Although Thailand is a friendly country the unexpected can happen, so consider taking World Nomads travel insurance with you.

What’s covered in Thailand
Why should I consider travel insurance for Thailand?
What to look out for when travelling around Thailand
What’s not covered
FAQs for travel to Thailand

Man on boat, Thailand — Ko Phi Phi Don, Krabi. Photo credit: Getty / Marco Bottielli

What’s covered in Thailand

Our policies can offer cover (up to policy limits) for benefits including:

Emergency medical treatment
Medical evacuation and repatriation
More than 150 activities, sports, and experiences
Trip cancellation and delay
Baggage and personal belongings
Coronavirus-related events
Cover for families
Cover for extended stays and if you’re working

For over 20 years, World Nomads has helped adventurous travellers like you with travel insurance tailored for your journey. With our policies, you can enjoy emergency medical treatment, medical evacuation, trip cancellation benefits, baggage protection, cover for over 150 sports and activities, and many more benefits.

World Nomads offers two plans – Standard and Explorer. Each offers different levels of coverage and benefits. It is up to you to choose what plan has the right level of coverage to meet your travel needs.

Why should I consider travel insurance for Thailand?

With affordable accommodation, delicious food and adventures from scuba diving in Phuket to hiking Khao Luang - Thailand is a traveller’s dream. Our policies may cover you if your passport is stolen whilst browsing the Pattaya floating market or if your trip is cancelled due to extreme weather.

Our policies also offer cover for families looking for a relaxing break and digital nomads remote working in Chiang Mai.

Floating market, Thailand — Aerial view of floating market. Photo credit: Getty / Siwabud Veerapaisarn / EyeEm

What to look out for when travelling around Thailand

Beware of theft and pickpockets

While Thailand is a relatively safe place to travel, pickpockets are active in tourist areas. World Nomads travel insurance plans have some coverage if your bags and valuables are stolen or damaged.

Traveller tip 1: Make copies of all key documents such as passport, ID, travel insurance, receipts, vouchers and transportation tickets so you’ll have proof of purchase for any claims.

Keep an eye on your gear 24/7

It’s very important that you NEVER let your valuables out of sight. Exercise caution in crowded areas and on public transport.

Traveller tip 2: if you’re a victim of theft, get a Property Irregularity Report or other incident report so you can submit it with your claim, as well as a police report.

Surviving traveller's diarrhea

If you eat something that doesn’t agree with you and need medical assistance our 24/7 Emergency Assistance Team is here to help. The multi-lingual team can help you find a doctor or a, particularly useful in Thailand’s remote area, where access to medical care is harder to come by. If your illness is serious, the team can arrange for an emergency evacuation.

Stay healthy and avoid gastro with these tips:

Always wash your hands or use hand sanitizer.
Don't drink tap water in Thailand – stick to bottled, boiled, filtered, or treated water.
If you lose more fluids than you can keep down, seek help and use rehydration sachets.

Riding Motorbikes and Scooters

Our policies may cover you (up to policy limits) if you ride a motorbike or scooter in Thailand for:

Emergency medical expenses
Evacuation to suitable medical facility if required
Repatriation if you’re seriously ill or injured

To be covered for motorbike, scooter or moped use you must:

select the activity when you purchase your policy. Activities cannot be added after policy purchase.
have a valid driver’s license for the same class of vehicle in Australia, and as required in Thailand.
comply with local laws and safety practices (wear a helmet, obey speed limits, and don’t drive under the influence of alcohol or drugs).

What do I do if I’m sick or injured and need assistance?

If you need emergency medical help, contact our 24-hour Emergency Assistance Team as soon as possible. They will contact suitable assistance and arrange medical care.

If you have general questions about your policy, you can contact us.

Motorbike traffic in Bangkok. Photo credit: Getty / Leo Patrizi

What’s not covered

There are some things we can’t cover, including, but not limited to:

Participation in any activities where you don’t purchase the appropriate level upgrade, or where it is specifically excluded
Existing medical conditions
Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the Australian Government (see www.smartraveller.gov.au)
Unsupervised baggage or personal items
Being intoxicated by alcohol or drugs or acting illegally.

Always check the terms, conditions limits and exclusions of your policy. If you’re not sure about something or have any questions, contact us.

Are you looking for more travel inspiration for Thailand?

World Nomads has various articles that cover a range of fun topics on Bali, such as:

Travel insurance is not designed to cover everything, so take the time to read the full description of cover in the PDS for the full details on what’s not covered as well as the terms, conditions, limitation and exclusions. If you are unsure of anything, please contact us for help.

FAQs for travel to Thailand

Here are our most frequently asked questions about Thailand and insurance. You can also find the answers to other questions in our Help Center or you can ask our customer service team.

Do I need a Visa for Thailand?
From 2025 travellers from 93 visa-exempt countries including Australia will have to apply for a mandatory electronic travel authorisation (ETA) permit. A pilot phase is due to begin in December 2024, with a full roll-out by June 2025.

Travellers will need to apply for the free ETA online before arriving for tourist visits up to 60 days.

For more information visit the Thailand e-visa website.

I’m in Thailand right now – can I buy, change or upgrade my policy?
You can purchase a World Nomads policy online while you’re travelling, although a 72-hour waiting period may apply. You can also make some changes to your existing policy online via your World Nomads membership, or by contacting us. You can also extend your policy if you want to keep travelling. Be aware there are some policy changes you can’t make.

Reconnect with the world with our travel insurance cover for some Coronavirus-related events

Itching to travel again?

Explore the world with our plans that provide cover for some Coronavirus-related (including COVID-19-related) events, including emergency overseas medical, evacuation, cancellation cover and more. Find out what cover applies to your Country of Residence, and the key benefit limits depending on which plan you purchase. Happy and safe travels!

Overseas medical expenses

If a qualified medical practitioner diagnoses you with Coronavirus while you’re travelling, we may offer emergency medical benefits to help you get back on your feet.

Standard plan:
$5,000,000 Single
$100,000,000 Couple/Duo/Family

Explorer plan:
Unlimited

Medical transport & repatriation home

If you become seriously sick or injured during your trip (and it's not considered an 'existing medical condition' as defined in the Policy Document) we may be able to help with cover for medical transport to the nearest or most appropriate medical facility, or back home to recover.

Standard plan:
$500,000 Single
$1,000,000 Couple/Duo/Family

Explorer plan:
Unlimited

Funeral expenses or repatriation of your remains

If the worst happens and you die from Coronavirus while overseas, we offer benefits to help your family with the costs of a funeral overseas, or if available, bringing you back to your home country.

Standard plan:
$25,000 Single
$50,000 Couple/Duo/Family

Explorer plan:
$25,000 Single
$50,000 Couple/Duo/Family

Coronavirus Travel Costs section (cancellation pre and on-trip)

Had to cancel your trip because you, a travel companion, or your close relative back home have been diagnosed with Coronavirus? Our cover may help with your cancellation costs.