Best Thailand Travel Insurance 2025
Thailand is one of the most popular tourist destinations among Hong Kong people. If you are planning to travel to Thailand, look no further to find out the best Thailand Travel Insurance to keep you insured from all angles!
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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.
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.
