It is easy to see why so many tourists flock to Thailand every year. From tranquil beaches and vibrant cities to buzzing nightlife and world-famous cuisine, there is something for everyone to enjoy.

If you’re looking for travel insurance for a Thailand trip, Asda Money can offer you the protection you need at a price that suits you.

Do I need travel insurance for Thailand?

You don’t have to have travel insurance to enter Thailand, but many holidaymakers choose to have it for peace of mind. It can help with costs if things don’t go to plan, from emergency medical treatment to lost luggage.

Healthcare costs in Thailand can vary a lot depending on whether you use private or government-funded medical facilities. Private hospitals can be expensive, while public hospitals are cheaper but may not match the standards you’re used to in the UK. If you need treatment, you might also have to show you can pay before they start. [1]

Illness and accidents can happen in many ways, from mosquito bites that carry Dengue fever or the Zika virus, to injuries from scooter or motorbike rides, jungle treks, or water sports.

Thailand travel insurance can also help if your flight is cancelled, your luggage goes missing, or your cash is stolen. There may also be pickpockets and bag snatchers in busy tourist spots.

With the right cover, you can enjoy your trip knowing you’ve got help if something unexpected happens.

Do I need a visa for Thailand?

Along with sorting out your travel insurance to Thailand, it’s worth checking if you’ll need a visa.

If you have a British passport, you can currently enter Thailand by land or air for up to 60 days without a visa. However, if you plan to stay longer than 60 days, or you want to work in Thailand, you’ll need to apply for a visa before you travel.

Entry requirements can change regularly, so it’s helpful to check the latest information on the gov.uk website. There, you can also find the most up-to-date Foreign, Commonwealth & Development Office (FCDO) travel advice.

From 1 May 2025, all visitors must complete a digital arrival card before arriving in Thailand. You’ll need to register for one within three days of your arrival date.

What travel insurance do I need for Thailand?

When arranging Thailand travel insurance, you’ll need a policy with worldwide cover (excluding the USA, Canada, Mexico, and the Caribbean).

With Asda Money, you can choose worldwide cover on both single-trip and annual multi-trip policies.

If this is your only holiday this year, then a single-trip policy could be the most suitable travel insurance for Thailand. However, if you are planning multiple holidays, an annual policy might work out cheaper.

You can also take out family travel cover through Asda Money, which puts everyone on one policy to help keep costs down.

Thailand is a popular place for adventure, from scuba diving and jungle treks to zip-lining and rock climbing. Some activities, like bungee jumping, white-water rafting, or cave diving, might not be covered by a standard travel insurance policy. In these cases, you may need to add Hazardous Activity cover to make sure you’re protected.

What does Thailand travel insurance cover?

You’ll need worldwide travel insurance for Thailand, but what’s included will depend on the level and type of policy you choose.

Through Asda Money, Thailand travel insurance can include:

• Medical costs – 24/7 medical assistance and help with expenses if you have an accident or fall ill unexpectedly.
• Personal belongings – cover for lost or stolen baggage, delayed baggage, and the cost of essential items like clothing or toiletries.
• Travel delays – help with costs for accommodation, meals, and transport if you’re delayed for 12 hours or more due to weather or mechanical issues.
• Cancellation cover – if you meet the criteria in your policy, you may be covered if you need to cancel or cut short your trip due to illness, jury service, redundancy, or other eligible reasons.
• Repatriation – subject to your policy terms, cover for bringing you back to the UK. 
• Personal liability cover – protection if you accidentally cause injury to someone or damage their belongings while travelling.
• Zurich Assist 24-hour worldwide assistance - depending on your level of cover, you may have access to services such as cash transfer advice, consular and embassy referral, and emergency travel or accommodation arrangements.

Always check your policy documents so you know exactly what your travel insurance to Thailand covers, as every policy will have limits and exclusions.

What does Thailand travel insurance not cover?

It’s important to know what your policy doesn’t include. With Asda Money, there are some situations where Thailand travel insurance won’t cover you, such as:

• Travelling to a location against official advice from the UK government and/or the FCDO.
• Not having the required vaccinations.
• Medical conditions you didn’t tell your insurer about when you took out your policy.
• Taking part in illegal activities while in Thailand.
• Accidents or incidents while under the influence of drugs or alcohol.
• Injuries from dangerous activities or extreme sports in Thailand that aren’t included in your policy.

When organising travel insurance to Thailand, it’s best to check your policy documents so you understand what is and isn’t covered before you travel.

How much does travel insurance for Thailand cost?

Through Asda Money, quotes for single trip travel insurance policies for Thailand start from £22.05*, and from £52.93** for annual multi trip (worldwide cover excluding USA, Mexico, Cananda & Caribbean).

However, the cost of Thailand travel insurance will vary depending on several factors, including:

• Your age
• Any pre-existing medical conditions you have
• The length of your stay in Thailand
• Any activities you plan on doing
• The type of policy you choose, whether single trip or annual multi-trip.
• The level of cover you need, plus  any add-ons, like hazardous activities cover

*Price accurate as of 19^th August 2025, quote based on a 10 day trip to Thailand, Value level of cover, single trip policy, for one person aged 30 years, no medical conditions.

**Price accurate as of 19^th August 2025, quote based on annual multi trip policy, worldwide cover (excluding USA, Mexico, Canada & Caribbean), value level of cover, for one person aged 30 years, no medical conditions.

[1] https://www.gov.uk/guidance/healthcare-and-medical-services-in-thailand

Other considerations when travelling to Thailand

Thailand offers everything from busy cities to peaceful beaches, and plenty of adventure in between.

Here are a few things to keep in mind when arranging your Thailand travel insurance and planning your trip:

• Natural disasters – parts of Thailand can experience earthquakes, tsunamis, flash flooding, and landslides during the rainy season. Natural Disaster Cover can help with costs if your departure is delayed, missed, or extended.

• Adventure activities– standard travel insurance for Thailand often covers things like snorkelling or hiking, but extreme sports such as white-water rafting may need a Hazardous Activities

• Scuba diving – with a recognised qualification, you’re usually covered to dive up to 30m. If you’re unqualified or want to go deeper, you’ll need Hazardous Activities cover.

• Valuables – money and personal belongings are covered as standard, but if you’re taking high-value tech (laptops, cameras, phones), you may want to consider Gadget Cover.

• Local laws – It’s a good idea to read up on any local laws in Thailand to avoid any potential trouble while you’re there. For example, e-cigarettes and vapes are banned, and you can be fined or imprisoned for smoking in public.

• Riding scooters or motorbikes – you’ll need an international driving permit, and wearing a helmet is a legal requirement. Not wearing one could also invalidate your insurance.
• Religious monuments – Modest dress and respectful behaviour are expected when visiting temples and sacred sites.

Healthcare for tourists in Thailand

Healthcare in Thailand isn’t free like the NHS. Both public and private medical facilities are available. Public hospitals are generally more affordable but may have longer waiting times and might not match the facilities or standards you’re used to in the UK.

Private hospitals often have more modern equipment and shorter waiting times, but treatment can be very expensive. Many private facilities expect payment before treatment begins, so tourists should be ready to provide proof they can cover costs.

Pharmacies are widely available and can offer over-the-counter medicines for minor issues.

Do you need any vaccinations to go to Thailand?

You’ll need to check you’re up to date with routine UK vaccinations such as measles-mumps-rubella (MMR) and diphtheria-tetanus-polio. Depending on your trip, other vaccines like hepatitis A, hepatitis B, rabies, tetanus, or typhoid may be recommended by your GP.

Currently, travellers don’t need to show a COVID-19 vaccination certificate or test result to enter Thailand. If you visit Thailand and then travel on to a country that requires an RT-PCR test for entry, you’ll need medical insurance that covers COVID-19 treatment.

We recommend you visit the FCDO website and check the National Travel Health Network and Centre (NaTHNaC) on the Travel Health Pro website for the latest information on entry and vaccination requirements. 

Does travel insurance cover motorbiking in Thailand?

Motorcycles are a popular way to get around Thailand for both locals and tourists. To rent one, you’ll need an International Driving Permit. Roads can be busy, and the risk of accidents is higher than in the UK, so it’s important to check your Thailand travel insurance for motorbike cover.

With Asda Money, standard travel insurance covers riding a motorbike up to 125cc if you’re wearing a helmet. For bikes with an engine size over 125cc, you’ll need to add Hazardous Activities cover.

We always recommend reading your policy document thoroughly so you know exactly what’s covered.

Find out more about Asda Travel Insurance