Best Thailand Travel Insurance with Covid-19 Coverage

Thailand is one of the most popular tourist destinations among Hong Kong people. While Thailand is slowly opening up to foreign visitors, visitors must have a Thailand Pass to enter Thailand. In order to get the Thailand Pass, there are two requirements you must fulfil: you are required to be fully vaccinated and effective from 1st April 2022, it is mandatory for visitors to be covered with a COVID-19 travel insurance plan with at least US$20,000 coverage. (Thailand Pass will be cancelled from July 2022, and Covid-19 Travel Insurance will no longer be compulsory for visitors. However, it is always safer to travel with travel insurance.)
If you are planning to travel to Thailand, then look no further! You can get the key information about Best Thailand Travel Insurance with Covid Coverage 2022 here on this page, which saves you many hours from scrolling from websites to websites.

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Thailand Travel Insurance with Covid Coverage 2022 (For Thailand Pass)

AXA SmartTraveller Plus Planoffers Covid-19 coverage, covering related medical expenses and its medical coverage is up to HK$1,000,000 - it does not only provide a good level of protection, but also fulfills the requirements to enter Thailand.
AXA SmartTraveller Plus Economy Plan (Single Journey) is a popular travel insurance among travelers to Thailand as it covers Covid-19 related medical expenses at an affordable price. Insurers aged between 18-70 can enjoy up to HK$500,000 coverage and insurers aged 70+ can enjoy 50% coverage.
AIG TravelSafe Insurance Plan (Worldwide Platinum) provides up to HK$1,800,000 COVID-19 medical coverage. If diagnosed overseas, you will be covered for travel cancellation and get a quarantine subsidy.
STARR Companies TraveLead Extra Plan provides extended coverage in relation to COVID-19 (For Single-Trip Policy) e.g. medical expenses and hospital cash, trip cancellation, etc, and the medical coverage is up to HK$1,000,000, which fulfills the requirement to enter Thailand.
Allianz Travel Silver Plan provides a new COVID-19 extension, aiming to provide adequate financial protection and emergency assistance service e.g. medical expenses, overseas hospital daily cash and emergency medical assistance in the event of an infection or quarantine while traveling abroad and the medical coverage is up to HK$1,500,000, which fulfills the requirement to enter Thailand.

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Things to Look Out for when getting Thailand Travel Insurance

High risk sports coverage

Make sure your Travel Insurance to Thailand covers you for the amateur high risk sports you will be doing such as skydiving. Some policies only cover climbing up to a certain height or diving up to a specific depth so don’t forget to check the details of sports coverage first.

Making a Travel Claim

Most insurers will require the insurer to make the claim within 30 days of the occurrence. Whatever you are choosing to make a claim for, you are required to submit proofs such as receipts for lost or stolen items, boarding pass for delayed flights, police reports for theft, etc.

Travel Alert

The Outbound Travel Alert (OTA) System aims to help prospective travelers better understand the risk or threat to your personal safety in traveling. If you purchased the travel insurance prior to the issuance of travel alert, your travel will be covered for trip cancellation or forced termination of your trip.

Covid-19 Coverage

To enter Thailand, effective from 1 April 2022, it's mandatory to purchase travel insurance with at least US$20,000 medical coverage.

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Frequently Asked Questions

When should you buy travel insurance when planning a trip to Thailand?

To ensure you enjoy the maximum protection, you should buy your travel insurance ideally at the same time when you book your air tickets and accommodation.

Does travel insurance cover licensed diving?

Yes. Most Travel insurance covers general amateur sports and activities. Some set a limit on the depth of dive but some don’t.

Will travel insurance cover my loss for unauthorised use of my credit card while I’m away?

Yes. Most insurance products cover loss of money or unauthorised use of credit cards.

I felt sick while I was abroad but I did not consult a doctor. I only did so when I came back to Hong Kong from Thailand. Am I covered?

In most cases, no. The medical expenses incurred after your return to Hong Kong are not covered.

What is the outbound travel alert?

Outbound Travel Alert or “OTA” refers the 3 colour-coded alerts i.e. the “Amber Alert”(Signs of threat), “Red Alert” (Significant threat) and “Black Alert” (Severe threat) issued by the Hong Kong government under the Outbound Travel Alert System.

What is not covered in travel insurance?

If you got the travel insurance prior to the issuance of a travel alert, your travel will be covered for trip cancellation or forced termination of your trip.

What extra protection can I receive if a travel alert is issued for the planned destination?

You should buy travel insurance as soon as you book your holiday. This is to make sure you get your trip insured in case of accidents.