Thailand Travel Insurance

The 1 Thing You Need, When 1 Thing Goes Wrong In Thailand.


Travel Alerts: 

Before you buy, please read our travel alerts.

"Exceeded all expectations with 5 star service and exceptional level of care"
— Sean Mar 17, 2021

Why Do I Need Travel Insurance In Thailand?


Cost of an air ambulance from Thailand to New Zealand.


Weekly hospital fees for a patient in ICU in Thailand.


Cost of repatriation on a plane from Thailand to New Zealand.


And Did you know...?

  1. 1.  Thailand has the highest rate of car and motorcycle accidents in the world. In fact road accidents are the number one cause of death.
  2. 2.  Over a quater of people think the government will pay for your medical bills overseas. In Thailand, but it’s you who will cop the bill for doctor visits, hospital stays, and medical treatments.
  3. 3.  In 2016, there were close to 50,000 reported cases of food poisoning in Thailand.
  4. 4.  Thailand was ranked as one of the 20 most dangerous countries in the world for tourists.


Travel insurance can't prevent things from happening. But if you have 1Cover, you'll have someone there when one thing goes wrong. Keep reading to find out everything you need to know about travel insurance for Thailand.

What Are My Travel Insurance Options For Thailand?


Option 1


This is our highest level of cover.


Option 2

Medical Only

For medical expense coverage only.


Option 3

Frequent Traveller

If you travel more than once a year.READ MORE

We've provided an outline for each of the options below. If you need more information or need to view the terms and conditions, please take a look at the Policy Wording, or get an instant quote now.


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Option 1: Comprehensive Cover


Comprehensive Travel Insurance is our highest level of cover, with optional add-ons for cruise, extra rental vehicle excess, and high-value items.

If you have pets, we include vet fees if your pet gets sick while you're away, and we'll pay pet boarding fees if you're delayed. 

For a detailed outline of benefits and inclusions, as well terms and conditions, please refer to the Policy Wording, or get an instant quote now.

Thailand Travel Insurance Policy Benefit Overseas Single-Trip
medical Cover 

Overseas Emergency Medical Assistance^


Overseas Emergency Medical & Hospital Expenses^*


Includes Dental Expenses (per adult)^


Resumption Of Journey^*


Hospital Cash Allowance^*


Accidental Death*


Permanent Disability^*


Loss of Income^*


luggage Cover 

Credit Card Fraud & Replacement^


Includes Travel Documents & Traveller's Cheques^


Theft Of Cash^#


Luggage & Personal Effects*


Luggage & Personal Effects Delay Expenses^


cancellation Cover 

Additional Accommodation & Travel Expenses*


Includes Family Emergency*


Includes Emergency Companion Cover*


Cancellation Fees & Lost Deposits*


Disruption Of Journey*


Alternative Transport Expenses^


ancillary Cover 

Personal Liability#

$5 million

Domestic Pets^*


Domestic Services^*


Rental Vehicle Insurance Excess#*



Choose Add-ons For your Comprehensive cover

If you’re travelling with expensive new items, going cruising, hitting the ski slopes, or you're worried about car rental insurance excess, then you may want to select the following add-ons. 


Protect yourself while cruising the waters of Thailand with our
Cruise Pack add-on.

More cover for your
rental vehicle

We automatically cover rental excess up to $5,000. But you can increase this up to $8,000 if you need to.

High Value Items Cover 

Protect high-value items that are not automatically covered by your policy. Note: items cannot be older than 12 months.


Option 2: Medical Only Cover

If you're travelling on a budget, and looking for cheap travel insurance to Thailand, then 1Cover’s Medical Only policy offers a cheaper alternative to comprehensive travel insurance. It's our most basic policy and will only provide cover for any medical expenses and emergency assistance costs. 

For a detailed outline of benefits and inclusions, as well as terms and conditions, please refer to the Policy Wording, or get an instant quote now.

Medical Only Cover Policy
Medical Only Policy
Single Trip
medical Cover 

Overseas Emergency Medical Assistance^


Overseas Emergency Medical & Hospital Expenses^*


Includes Dental Expenses (per adult)^



Personal Liability#

$5 million

Option 3: Annual or Frequent Traveller Cover

Do you travel more than once a year to Thailand? Then it might make sense to buy a multi trip annual policy. This works just like our comprehensive cover (detailed above), except you can take as many trips as you want in a year and you’ll still be covered.

Let us know the maximum trip duration of any one trip before selecting from the options below.


Frequent Traveller 21 days maximum


Frequent Traveller 45 days maximum


Find out which Annual Frequent Traveller cover policy would suit you best here. 

For a detailed outline of benefits and inclusions, as well as terms and conditions, please refer to the Policy Wording, or get an instant quote now.


Thailand Travel Insurance FAQs

  • Will You Pay My Hospital Bills If I get sick or injured in Thailand?
  • Please refer to the Policy Wording 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, Essentials, Medical Only, Frequent Traveller, or Already Overseas, cover is available for your medical transfer or evacuation if you must be brought back to New Zealand with appropriate medical supervision.

    Cover is also available under these plans for the return to New Zealand of 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.

  • Will I Be Covered If I Ride A Scooter, Moped Or Motorcycle While In thailand? 
  • If you are in control of a motorcycle or scooter with an engine capacity greater than 50cc, you need to hold a current, valid New Zealand motorcycle license. 

    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 license for Thailand.  

    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. 

  • What Is A Dependant?
  • Dependants are your children or grandchildren not in full time employment, who are under the age of 19. In order to be classed as a dependant, the child must be travelling with their parent or grandparent at all times.

    If you have a child under 16 years of age that requires a single adult policy you will need to contact our customer service centre to discuss your options.

    Whether it’s two adults, multiple adults or just a single adult travelling, we allow for an unlimited amount of dependants to be added to a policy. 

  • 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.

    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.

  • 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.

  • Do I need A Visa To enter Thailand? 
  • Australian citizens may stay in Thailand as a tourist without a visa up to 30 days if entering by plane or 15 days if entering over land (border check point). Rules apply though so be sure you have read all conditions to avoid any trouble.

    If you are planning on staying longer than 30 days in Thailand or are visiting for business, you will need to apply for the appropriate visa. Find out more here.

  • 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.

  • Do you cover seniors travelling to thailand?
  • We can provide cover to people of all ages. If you have any pre-existing medical conditions we may require a little more information from you and some exclusions may apply. See here for more details.

  • Am I covered if i'm pregnant when i'm travelling to thailand?
    • If you're travelling to Thailand while pregnant, you are covered for single foetus pregnancies, up to, and inclusive of, the 24th week of gestation. For multiple pregnancies, you'll be covered up to and inclusive of the 19th week of gestation. If you have had complications fromyour pregnancy, you’ll need to complete a medical screening.

      We will assess your application and decide whether and to what extent we can offer you insurance for your pregnancy and/or journey. If you have not told us about the circumstances of your pregnancy when you were required to do so, we may refuse your claim or reduce it to the amount we would have paid had you given us the required information.

      Please note: we will not pay any medical expenses for:
      a) Regular antenatal care;
      b) Childbirth at any gestation; or
      c) Care of the newborn child. 

      Find more here. 

  • Am I Covered For Travel Interruptions Caused By Cyclones And Other Natural Disasters?
  • Travel insurance provides cover for weather events as long as they are unforeseen. The most common types of natural disasters in Fiji are cyclones, storms, and flooding. 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).




The One thing they Needed in Thailand


Barbara's Diving Accident 

A diving incident in Thailand left Barbara with decompression sickness, often known as “the bends”. She was admitted to Bangkok Hospital and placed in a decompression chamber for treatment.

Our assistance team made sure Barbara received the best possible treatment, and we paid all of her medical expenses.

1Cover Really Do Care about people. 

Lauren's Pickpocketed Phone 

While at the busy Night Bazaar Markets in Chiang Mai, Lauren’s phone was pickpocketed out of her handbag. She reported the theft to police and obtained a police report before making a claim. 

1Cover was able to reimburse her the value of her phone (minus depreciation) as well as the cost for a translation service at the police station.

Everything was no made such a difference having a translator at the police station.​

Cassandra's Food Poisoning

When Cassandra ended up with severe food poisoning towards the end of her Thailand trip, she ended up on an IV drip and anti-sickness medication at the international clinic on Koh Samet.

1Cover paid all of Cassandra’s medical expenses, which included the bill for the international clinic visit and the cost of the medication.

It’s the worst seeing the doctor on holiday, but at least I didn’t have to pay for it.

Travel Insurance Statistics

...they're interesting, really!

 Over 90% of travellers were covered by travel insurance the last time they went overseas.^

20% of 1Cover’s Thailand claimants lost or damaged their personal

More than 1 in 4 travellers have suffered an upset belly or food poisoning while on holidays.^

*In 2016/2017
^Research conducted in 2016

How Will Travel Insurance Help Me In Thailand?

24/7 Medical Assistance

Cycling and motorbike accidents are common in Thailand, as well as incidents of food poisoning and heatstroke. But we’ll be there to assist with medical costs if one thing goes really wrong.

your trip

Last year, 1 in 30 of our Thailand claimants needed money back for trip cancellations. It’s disappointing to postpone or cancel your plans, but having 1Cover could ease the pain if things change.

Ease Lost
Luggage Woes

In 2016, 20% of 1Cover Thailand claimaints lost or damaged bags and belongings. That’s why we cover for up to $15K for lost or damaged luggage and personal items such as cameras, glasses, phones and laptops.

Scuba Diving in Thailand
Scuba Dive

Dive the sparkling waters of Thailand - up to 30 metres -  knowing we’ll cover you if things happens, like equipment malfunctions or if you need medical assistance. See the full
Ts & Cs in the Policy Wording.


The stats around traffic-related accidents in Thailand are staggering. That’s why it’s so important you wear your helmet. If you do, and you follow all our guidelines, you'll generally be covered.

Extreme Sports, Done Safe

Unlike many other insurers, we cover a range of activities from paragliding to elephant trekking. See the full list here.

Flood Relief

Floods are common in Thailand, especially during the monsoon season. If an unforeseen disaster such as this ruins your holiday, we can help. But you must check the news and 1Cover Travel Alerts before you book.

Control Your

Cruising the islands of Thailand is popular, but it’s easy to lose your things, miss pre-paid tours, or get sick from bugs on board. That’s why we’ve got a cruise insurance add-on for any boating mishaps.



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We've Already Helped 1.5 Million Customers

1Cover is rated 4.3 out of 5, Independently Rated On Feefo 
  • "Don't Leave Country Without it"

    Prompt support when unexpected happened. I don't know what I would have done if I didn't have it when I got robbed.

    By Damiliya, Feefo User

  • "Good Value, Good Service"

    Had to make a claim when my wife took ill & had to visit a doctor in the USA. Put a claim in back home ... accepted and paid within two weeks.

    By Kevin, Feefo User

  • "Exceptional Speed In Response To A Claim"

    First time I've had to make a claim. Speed of process was quite unbelievable.

    By Anon, Feefo User

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

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.


Before Your Trip...

Got some Questions? 

If you have any other questions that haven't been answered on this page, visit our FAQs section for even more information. From riding scooters to questions on skiing, cruising, and travelling with kids, you'll find what you need here. 

Know before you go

The one thing you should do before you get travel insurance is look at 1Cover Travel Alerts. Here you’ll find information on new and current travel events and what will be covered by your policy. 


One Last Thing: 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.

New Zealand has an Embassy in Bangkok, Thailand. They provide a range of services to the general public, including consular, passport, visa and immigration, citizenship and cultural relations services.

Be informed. Be prepared. If you're across The New Zealand Government's SafeTravel website, you'll have all the latest information for your trip to Thailand. SafeTravel is a trusted resource for New Zealander 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 on (+) 64 9884 0229 or email [email protected]

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. 

Planning an Activity In Emergency?

Cycling Thailand
Cycle Thailand 

Ready to see the real Thailand? Work up sweat on a cycling tour from Spice Roads. The guided rides give travellers a chance to see parts of Thailand that many tourists miss out on.

Diving In Thailand
Learn To Dive 

Thailand is one of the best destinations in the world to earn your PADI and the team at Aussie Divers are experienced instructors. Based in Phuket, the team offer diving courses, as well as day trips to amazing dive sites.

Cooking Class In Thailand
Cook Up A Thai Storm

Cook up a storm as part of a Thai cooking class with a twist. The Market Experience offers authentic Thai cooking classes in the middle of one of Bangkok’s busiest marketplace, the Yodpiman Flower Market.  

Please note, 1Cover does not endorse or sponsor these activities. Activities are listed for informational purposes only.

Still Need Some Help? 

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