Travel Insurance Thailand

Is the Land of Smiles calling you for your next getaway?

Festivals, temples, beaches – a Thai adventure has so much to offer

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Appealing to both young and old, Thailand draws in over a million British tourists every year.

Whether it’s party-goers waiting for sunrise at the Ko Phangnan’s Full Moon Party or food-lovers seeking healthy street food at affordable prices, Thailand’s tropical beaches and party towns remain a popular choice for Brits.

Travel Insurance Thailand

Travel insurance is broken down into three zones:

  • Europe
  • Worldwide excluding USA, Canada & Caribbean
  • Worldwide

For Thailand, you’ll need worldwide cover.

When you’re looking for the best travel insurance for Thailand, you’ll want a policy which protects you against.

  • Having to cancel or cut your trip short
  • Your personal belongings being stolen
  • The airline losing your luggage

At Admiral, we offer three levels of cover – Admiral, Gold and Platinum – depending on your budget and needs.








Emergency medical treatment & repatriation
(Limits up to)




Cancellation or cutting short your trip
(Limits up to)




Personal belongings
(Limits up to)




Money & documents
(Limits up to)




Read the full list of benefits in the policy summary booklet.

And you can decide if you want cover for just one holiday – Single Trip Insurance – or if you plan on going abroad more than once a year, you may find our Multi Trip Insurance is more cost-effective.

When it comes to activities – and there are loads that’ll tickle your fancy in Thailand – Admiral covers a whole host of adventure sports as standard. Looking for some inspiration? These popular choices are all covered by us:

  • Wakeboarding in Bangkok
  • Surfing in Phuket
  • Mountain biking in Chiang Mai (cover excludes downhill racing and extreme terrain)
  • Ziplining in Krabi

Healthcare in Thailand

While Thailand has some excellent private hospitals, they can be expensive. Public hospitals do not meet the same standards as UK healthcare, and many require payment upfront.

In case you do need to seek medical treatment, travel insurance is an essential addition to your Thailand holiday checklist.

If you think of getting around Thailand, there’s a good chance a moped will come to mind – they are ubiquitous with both tourists and locals alike. But if you suffer a ‘Koh Samui tattoo’ – when someone rests their leg calf on the moped’s hot exhaust pipe - you could be forking out thousands of pounds for treatment if you don’t have holiday insurance.

Admiral Travel Insurance’s Cost of Getting Ill Abroad revealed you could pay up to £15,000 in medical costs if the wound isn’t treated immediately. Thailand’s humidity can quickly lead to infection, so you could be looking at paying anything between £3,000 and £15,000 for hospital admission and antibiotic treatment.

Zika and dengue fever

Mosquitoes in Thailand have been identified as carrying the Zika (ZIKV) and dengue viruses. Both are viral infections, with dengue causing a flu-like illness.

ZIKV shows no symptoms in most infected people. Holidaymakers are advised to take extra precautions against mosquito bites when in Thailand, particularly between dusk and dawn.

Due to the risk of ZIKV, pregnant women are advised against travelling to Thailand.

Prescription medication

If you need to take medication with you to Thailand, make sure you read up on its legality before you pack it. Some over the counter medicines in the UK are considered controlled substances in Thailand. You can read more on the Royal Thai Embassy website.

Family travel insurance Thailand

If you’re hitting Thailand’s beautiful beaches or visiting the tranquil temples with your loved ones, take a look at Admiral Family Insurance. You can add up to two adults and three children (under 18) on a family policy.

It covers the following family members living at the same address:

  • Parents
  • Step-parents
  • Grandparents
  • Aunts and uncles
  • Cousins

Is it safe to travel to Thailand?

Over a million Brits flock to Thailand every year, and most trips are trouble-free according to the UK Government. While no country is 100% safe, here are some of the most common things to be aware of.

Road accidents

With thousands of mopeds, tuk tuks and cars whizzing around, it’s no surprise there is a high number of road accidents in Thailand. If you’re riding a moped, make sure you always wear a helmet and have the appropriate licence and insurance in place.

Weather and air pollution

Tropical storms can be an issue in Thailand, bringing heavy rain and high seas. Make sure you check the weather reports and pay attention to the Thai Meteorological Department.

Air quality in urban areas, particularly Bangkok and Chiang May, can be poor with children, the elderly and people with pre-existing conditions should take extra care when visiting busy cities and wear a good-quality facemask if needed.

Drugs and alcohol

Thailand’s drug laws are incredibly strict and possession of very small quantities can lead to imprisonment.

Be cautious when drinking alcohol in Thailand as the drinks can be much stronger than what we’re used to in the UK – especially the buckets at Full Moon parties.

Smoking is also altogether banned on some beaches including in Koh Samui, Pattaya and in Phuket, Prachuap Khiri Khan, Chon Buri and Songkhla provinces.

Vaporisers (e-cigarettes) and refills are illegal in Thailand. They can be confiscated, and you could be fined or sent to prison for up to 10 years if convicted.

Your Thailand travel insurance will not cover you for an illness due to alcohol or drugs, or if the levels you’ve consumed impair your judgement.


At the time of writing (April 2019), the Foreign and Commonwealth Office (FCO) says terrorists are very likely to try to carry out attacks in the country and as such advises against all but essential travel to areas on the Thai-Malaysia border including:

  • Pattani
  • Yala
  • Narathiwat
  • Southern Songkhla province

You won’t be covered by travel insurance if you choose to visit anywhere the FCO advises against.

Do you need a visa for Thailand?

British passport holders can holiday in Thailand for 30 days without a visa. If you plan on staying for longer, intend to work, or use land borders regularly, you’ll need a visa before you travel. For more information on Thailand visa requirements, visit the Royal Thai Embassy website.

While on the subject of passports, you’ll need at least six months left on yours before you go to Thailand.

Your questions answered

What vaccinations do I need for Thailand?

When it comes to jabs for Thailand, you should be up-to-date with your routine vaccinations and tetanus us usually recommended. For a full list of suggested jabs for Thailand and worldwide, check out our guide to travel vaccinations.

Do I need a visa for Thailand from UK?

If your holiday is for less than 30 days, you don’t need a visa

Is terrorism covered?

Terrorism is excluded from all sections of the policy except for the Emergency Medical and other expenses section, Personal Accident section and Hijack section (where cover is provided as part of the policy).

Terrorism is any act or threat of action by a person or group intended to influence a government or to frighten the public or any section of it.

Acts of terrorism can include:

  • Violence against a person
  • Damage to property
  • Putting life in danger
  • Creating a health risk to the public
  • Interfering with or seriously disrupting computer systems or transport services including cyber terrorism
  • Biological, chemical or nuclear force or contamination

Do I need travel insurance for Thailand?

It’s not compulsory to have travel insurance in Thailand but it’s a good idea to make sure you’re covered if you fall ill or have an accident. If you break a leg and need assistance getting back to the UK, it could cost £17,000 – find out more about medical costs in Thailand in the cost of getting ill abroad.

What's the best kind of travel insurance for Thailand?

Whether you need a single trip policy or annual multi-trip policy, you’ll need worldwide travel insurance if you’re visiting Thailand. You can then choose from one of our three tiers depending on the level of cover you might need.

Will my travel insurance cover scuba diving in Thailand?

If you’re a qualified scuba diver, Admiral Travel Insurance covers you for personal accident and personal liability when diving to a depth of 30m. If you’re not a qualified diver, the limit is 18m.

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