Travel Insurance for Thailand: Best Rates & Coverage You Need

Thailand doesn't require travel insurance for tourists, but travel insurance with medical and trip cancelation insurance is recommended due to the travel risks below. Certain visa types do have health insurance requirements. If you're applying for a retirement visa, you'll need specific health insurance coverage to get your visa approved. 

Thailand Entry Requirements: 
U.S. citizens can visit Thailand visa-free for up to 60 day, but pre-arrival online registration is required. Starting May 1, 2025, all visitors must complete the Thailand Digital Arrival Card online at least three days before arrival. Required documents for entry include 1) Valid passport with at least six months remaining validity 2) Proof of future travel 3)Completed Thailand Digital Arrival Card.

MoneyGeek analyzed 42 plans across 13 companies to help you get the best travel insurance plan for Thailand.  We analyzed Thailand travel insurance options based on medical coverage limits, affordability, and Thailand-specific benefits. Our research found World Nomad, Tin Leg, and Nationwide have the best combination of coverage and value for Thailand travelers.

** Travel insurance quotes based on travelers with $2,500 trip cancellation coverage aged 20 to 50-years old.

Given the unique travel risks in Thailand, the best travel insurance plans have the following coverage: 

• Medical Coverage Thailand's healthcare is high-quality but expensive for tourists. Private hospitals require upfront payment.
• Emergency Medical Evacuation Medical evacuation from remote areas in Thailand is expensive. This coverage pays for emergency transportation to a hospital or back to your home country.
• Trip Cancellation and Interruption Thailand's monsoon season and natural disasters disrupt travel plans.
• Adventure Activity Coverage: Thailand's popular activities like moped riding, scuba diving, rock climbing, and jungle trekking require additional adventure sports coverage since standard policies exclude these activities.

Travel insurance for Thailand costs 3% to 8% of your total trip cost.  On average, travel insurance for Thailand ranges from $43 to $346 for a week-long trip depending on the plan and medical coverage you choose. See the table below for the cost of travel insurance to Thailand by plan.

Will Your Health Insurance Work in Thailand?  No, U.S. health insurance, including Medicare, is not accepted in Thailand. If you require medical treatment during your trip, you'll be expected to pay upfront unless you have travel medical insurance. Even if your health insurance covers international travel, most Thai hospitals require upfront payment and you'll need to file reimbursement claims later.

Thailand Travel Insurance Cost Analysis: We analyzed travel insurance quotes from 13 major providers and 42 plan for Thailand travel. Pricing data reflects September 2025 quotes across multiple trip cost levels from $2,500 to $20,000.  

Best Plan Rankings for Thailand: Our Thailand travel insurance scores use a weighted methodology based on four key factors: Medical Coverage (35%), Value for Money (30%), Adventure Activity Coverage (20%), and Emergency Evacuation (15%). We weighted medical coverage most heavily due to Thailand's expensive private healthcare system, while adventure activity coverage receives significant weight since standard policies exclude popular Thailand activities like motorbike riding and scuba diving. Our methodology prioritizes plans that address Thailand's combination of healthcare costs, adventure activities, and evacuation risks from remote islands and rural areas.