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Travel insurance for Thailand

Turquoise waters, lush jungles and Tuk Tuks

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Essential Insurance Tips

Known as the land of smiles, Thailand is a country of friendly and hospitable locals who welcome millions of visitors annually. Its diverse scenery includes white sand beaches, lush tropical forests and island hideaways surrounded by warm waters teeming with stunning marine life. Then there’s the food – fresh, fragrant and delicious. 

Surviving traveller's diarrhea

You're going to find a variety of delicious food while travelling in Thailand but food preparation standards can vary. Gastro and its unpleasant side effects are one of the more common medical complaints our World Nomads have while travelling through Thailand.

Fortunately, the Emergency Assistance team can support you 24/7, even if you’re held up in a squat toilet. We can help you find a doctor, particularly useful in Thailand’s remote areas, where access to medical care is harder to come by. Or if it’s really serious, the team can arrange for an emergency evacuation.

Hospitals in Thailand (especially if you’re near Bangkok or Phuket) are well-equipped to treat you even if they may seem less modern than facilities you’d find at home.

But let’s hope you don’t get there. Here are some simple actions that can help save you and your tummy:

  • Always wash your hands before and after eating or use a hand sanitizer … that little action can save you a lot of time and expense!
  • Never eat anything that's been sitting around, even for a short while. How long has that food in the hotel buffet really been sitting there?
  • Try to pick clean, fly-free food stalls that have a lot of people at them. A food stall that's popular will have a high turnover of produce, so nothing is left sitting around to go off.
  • Don't drink tap water in Thailand; stick to bottled, boiled or treated water. Most restaurants use ice from the extensive network of ice factories which use purified water. The safe ice is easy to spot… it’s tubular in shape.
  • Gastro can turn deadly quickly if you lose more fluids than you can keep down. Seek help early and carry rehydration sachets with you.

Riding Motorbikes and Scooters

It’s easy to rent a motorcycle, so it’s not surprising that we see everything from exhaust pipe burns to injuries caused by horrific crashes, which can sometimes be fatal.

If you choose to ride, be sure to buy a travel insurance plan that covers motorbike and scooter use. Read our article on covered sports, activities and adventures; you may have to buy an adventure sports upgrade for an additional premium.

World Nomads coverage for travelers hurt in motorcycle accidents may include:

  • Emergency medical expenses for treatment at the hospital or by a doctor at the local medical center
  • Evacuation to more suitable medical facility if it’s urgent, medically necessary and if you’re fit to travel
  • Repatriation if you’re seriously ill or injured and unable to continue your trip.

For your coverage to take effect, certain conditions apply:

  • You must bring your driver’s license from home
  • You need to comply with local laws and safety practices (examples: wear a helmet, obey speed limits, don’t drive drunk).

If you need medical treatment, evacuation or repatriation, you or a travel companion MUST contact the Emergency Assistance team immediately.

Limits and exclusions to coverage will apply so read your policy carefully for full details.


Before you travel to Thailand, store a copy your receipts, as you’ll need proof of ownership to make claim should your items get stolen. Contact your bank before departure to let them know of your travel plans, and be on the lookout for any suspicious transactions, especially after you return home.

All World Nomads travel insurance plans will have some coverage for theft. However, with any insurance plan, limits, conditions and exclusions may apply. For example:

  •  If you have simply spaced out and misplaced your gear or if your tech gets damaged from everyday wear and tear
  • Generally, you need to be able to show that you took reasonable care of your belongings. That means you should carry your electronics and valuables with you at all times and lock your belongings up in a secure location.

If your stuff is stolen, you’ll need a police report, or some other kind of report from an authorized representative (for example, a property irregularity report from the airline or bus company if your bags were checked in) to validate your claim.

This is only a summary of coverage and does not include the full terms and conditions of the policy.  It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions.  If you do not understand your coverage, of if you have questions about your coverage, just ask us.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Protect your hard earned vacation from unexpected cancellation.

  • Explorer Plan: $5,000
  • Standard Plan: $2,500
Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical or dental costs.

  • Explorer Plan: $10 million
  • Standard Plan: $5 million
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Evacuation & Repatriation

We’ll get you to hospital or home quickly.

  • Explorer Plan: $500,000
  • Standard Plan: $500,000
Emergency Evacuation & Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Covers the theft, damage or delay of your bags, tech and sports gear.

  • Explorer Plan: $3,000
  • Standard Plan: $1,000
Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Medical Expenses
  • Emergency Dental for Injury or Sickness
  • Bedside Companion Travel and Subsistence
  • Emergency Professional Services
  • Emergency Evacuation and Repatriation
  • Return of Travel Companion/Dependent Children
  • Return to Your Trip Destination
  • Return of Remains
  • Travel Accident
  • Flight Accident
  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Baggage and Personal Effects Theft or Damage
  • Baggage and Sporting Equipment Delay
  • Travel Documents Theft or Damage
  • Sporting Equipment Theft or Loss by a Common Carrier
  • Covered Adventure Sports listed in Policy
Assistance Services Included
  • LiveTravelTM Emergency Assistance
  • Worldwide Travel Assistance
  • Adventure Travel Hotline
  • 24/7 Security
  • Travel Medical Assistance
  • Bag Trak
This is a general summary for Canadian residents only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all provinces. Check the Travel Insurance Policy for full details.

24/7 emergency assistance

Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Telephone +1 866 878 0192 (toll-free from Canada and the Continental U.S.) or +1 416 646 3723 (collect from anywhere else in the world)

Contact the team

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.

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