Travel Insurance for Thailand (2026): What You Need, What to Avoid, and How to Choose

Only if your policy explicitly includes scooter/motorbike coverage AND you meet the requirements: valid license (international driving permit or Thai license), helmet worn at the time of accident, no alcohol involvement, and engine size within policy limits (usually 125cc or less). Always check the scooter clause before buying - this is the #1 claim denial reason in Thailand.

Usually not. Most standard policies exclude scuba diving or limit coverage to shallow recreational depths (typically 10-18 meters). If you're planning to dive in Thailand - whether at Koh Tao, Similan Islands, or elsewhere - you need a specific diving add-on that covers your certification level and planned depths. Some policies require PADI/SSI certification.

Medical evacuation from islands like Koh Phi Phi, Koh Lipe, or Koh Tao can cost EUR 10,000-50,000 or more depending on the situation. This includes helicopter transfer, boat ambulance, medical escort, and mainland hospital admission. Good travel insurance covers this entirely and coordinates the logistics.

Yes. Most policies require either an International Driving Permit (IDP) with motorcycle endorsement, or a valid motorcycle license from your home country. Riding with just a car license typically voids your scooter coverage. Get your IDP before traveling if you plan to rent a scooter.

Most standard policies cover basic snorkeling as a recreational activity. However, injuries from boats, propellers, or marine life may have specific exclusions. Always check if your policy covers water activities and whether there are depth or equipment restrictions.

Food poisoning is typically covered under emergency medical treatment. Visit a clinic or hospital, get a diagnosis report and itemized invoice, keep all receipts and prescriptions. Most cases are treated quickly at local clinics for EUR 50-200, but severe cases requiring hospitalization can cost thousands.

No, standard policies exclude combat sports and martial arts. If you're attending Muay Thai classes or training camps in Thailand - even casual sessions - you need a sports/adventure extension that explicitly lists martial arts or combat training. Check the policy wording carefully.

Some policies allow purchase after departure, but options are limited and more expensive. Most standard travel insurance requires purchase before your trip starts. If you're already in Thailand without coverage, look for policies specifically designed for 'already traveling' situations or expat medical plans.

With reimbursement, you pay the hospital bill upfront (potentially thousands of euros) and claim it back later. With direct billing, your insurer pays the hospital directly. For Thailand, direct billing or guaranteed payment authorization is much better - Bangkok private hospitals often want payment before treatment.

Potentially, but alcohol-related incidents are commonly excluded. If you're injured while intoxicated, your claim may be denied. Fire show burns, cuts from broken glass, or fights where alcohol is involved are frequently rejected. Read your policy's alcohol exclusion clause carefully.

Call your insurer's 24/7 assistance line immediately - before treatment if possible. Get all documentation: diagnosis reports, itemized invoices, police reports (for theft), prescriptions. Keep originals of everything. For medical claims, the hospital report and detailed invoice are essential.

Most policies include electronics theft coverage, but with limits (often EUR 300-500 per item). You'll need to file a police report immediately, provide proof of ownership or purchase, and may face a deductible. Some policies exclude theft from beaches or unattended bags.