10 Factors to Consider While Selecting your Thailand Travel Insurance

Thailand officially called the Kingdom of Thailand is one of the most visited destinations by Indians. Also, called the land of smiles the country showcases a perfect blend of culture and history on its every turn. The white-sand beaches, the gleaming Buddhist temples, lush jungles, and the delectable Thai food make it a good vacation spot for all kinds of travellers. While you discover the amazing side of Thailand on your next vacation, do not forget to secure yourself with travel insurance for Thailand from India.

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Travel insurance is one thing that you should not think of skipping just to save a small amount of money. Imagine being in a different country, stranded because your flight got delayed for more than 8 hours. Your wallet got stolen while roaming around the streets of Thailand. And you realize that you should have bought international travel insurance for your trip.

Surely, nobody wants to end their trip like this!

But if you have bought travel insurance for Thailand from India you could enjoy your peace of mind knowing that you are covered against all the possible contingencies such as baggage loss, passport loss, medical emergencies, etc.  And dealing with medical emergencies overseas in an unknown land can cost you a bomb.

But with so many overseas travel insurance policies being available it can be confusing to find the best travel insurance for Thailand from India. It can be challenging as there are so many jargons that you need to get through to find the right travel insurance policy that meets your requirements. So, here is a quick rundown of the 10 important factors that you need to consider before buying a travel insurance policy for Thailand from India.

Things to Know Before Travelling to Thailand

  • Thailand visa for Indians- On arrival
  • Currency: Baht
  • Must see places- Phuket, Krabi, Bangkok, Ko Samui, and Pattaya
  • Conveyance-Cab or Tuk-tuk

1. Get the Policy Duration Right

At first it might not look very important, however, when you are calculating the number of days make sure that you get it right. A miscalculation of a day or two would mean your policy is not validated. So, when you are filling the form make sure that you enter the correct date of departure and the date of return to avoid inconvenience later. You would need to put the actual date when you land. For instance, if you are flying over time zones, then your date of arrival would be one day after.

2. Check the Travel Insurance Options

There are different types of travel insurance plans for Thailand that are available. If you are travelling alone you can buy an individual travel insurance plan. And if you are travelling with your family you can buy a family floater overseas travel insurance plan. Not only this, there are single trip plans for one time travellers and multi-trip plans for frequent travellers.  Moreover, there are student travel insurance plans for anyone travelling for further studies. So, make sure that you buy a plan as per your purpose of travel to ensure that you get the right coverage.

3. Make Sure that All Your Destinations Are Covered

If you are planning to visit another country from Thailand then make sure that coverage is provided in that country as well. And if you are travelling within Asia, then it is better to buy an Asia travel insurance plan that would offer coverage in all the Asian countries such as Thailand, Singapore, Malaysia, etc. To avoid any confusion you can check with the insurer or check it online or read the policy wordings before zeroing down on one.

4. What’s a Pre-Existing Medical Condition?

A lot of travel insurance buyers find this one confusing. But this is an important factor to consider while purchasing any overseas travel insurance plan. For example, if you have diabetes or asthma and you take medicine for it on a daily basis, then make sure that you disclose it to your travel insurance provider at the time of purchase.

Mostly a pre-existing medical condition is not covered under travel insurance plans unless you declare it or pay an extra premium.

The key is, to be honest with your travel insurer about any pre-existing conditions that you may have.  Even if you are seeing a physiotherapist for a back or neck problem, you would need to disclose that as well. If you need to seek medical care on your trip for the same then you will need to pay from your own pocket as it won’t be included in the insurance plan. And if you fail to disclose it at the time of purchasing travel insurance for Thailand from India, then your insurance claim would be rejected.  Therefore, to avoid any hassles at the time of claim-settlement make sure that you and your insurer are on the same page.

5. Check for Add-on Benefits

A lot of people go for water games in Thailand. And if you are also planning to go for water sports, sky-diving, bungee jumping, be sure to check that your travel insurance policy covers these adventure sports as well.  A basic travel insurance policy won’t cover such high-risk activities. So, you would need to buy a plan that offers such extensive coverage.  In most cases, the premium for such travel plans is on a higher side but it is recommended to opt for it to safeguard yourself from such untoward perils in an unknown country

6. Check What’s Covered?

There are different types of plans that are available and the coverage varies from one travel insurance plan to another. So, in general make sure that your policy covers overseas medical expenses and emergency treatment, personal accident cover, dental treatment under emergency situations as it can be very expensive otherwise, hospitalization/medical expenses, trip cancellation or flight delays, passport loss or loss of  checked baggage, and any inconvenience caused due to hijack. However, depending on your travel purpose you can opt for various add-ons to enhance policy coverage.

7. Check if All of Your Belongings Covered?

In most of the travel insurance plans, all the items that you carry along with you are covered. However, if you are carrying an expensive gadget like a camera or even jewelry, it might not be covered in a basic plan. So, you would need to buy a plan that covers all your belonging in case of theft or damage. In some cases, you might need to pay an extra premium to get coverage for all these expensive items. A lot of times people losing their mobile phones while going for a swim or to pickpockets. In that case, a travel insurance plan that covers loss of mobile phones would be useful. So, these are certain things that you should shed light on while buying travel insurance for Thailand from India.

8. Check What’s not Included in Your Travel Insurance Policy

A lot of time people forget to go through the policy exclusions and buy any random travel insurance plan. However, this is not the right approach. We understand the excitement of travel takes over everything else. But if you are buying an overseas travel insurance plan for Thailand then do not forget to check the limitations, which can lead to claim rejection otherwise. Usually, travel insurance plans do not cover pre-existing medical conditions, self-destruction due to psychiatric disorders, any damage or loss incurred under the influence of alcohol, drugs or any other intoxicants and medical emergency/ complications due to pregnancy/ abortion, etc. The detailed list can be checked from the policy wordings.

9. Check for Deductibles (if any)

Just like other insurance plans even travel insurance plans can have excess or deductibles. It is the percentage of the amount that you would need to pay from your own pocket. For example, say your check-in bagged never arrived and you file a claim for Rs.50, 000 to recoup the costs. And if the deductible is Rs.5000 then you would get Rs. 45,000 from the insurer at the time of claim. And the remaining Rs.5000 will be borne by you. But don’t just buy a plan with a higher deductible just because the premium is less; only buy it if you are sure that you can pay off the excess.

10. Check the Claim Assistance Services

Check if the insurance provider has a wide network of global assistance services in Asian countries if you are travelling to Thailand. At the time of need be it financial assistance, medical assistance or any other situation, it proves to be very useful. It is helpful to check customer reviews regarding a particular insurer or check their claim settlement ratio to have an idea. This will ensure that you are not stuck at the time of need and help is provided to you at the earliest.

Over to you

So, if you are planning to buy a travel insurance plan for your next trip you can check the above-mentioned factors before making the purchase. If your plan offers all the above-mentioned benefits then you can remain tension free and enjoy your trip in a carefree manner. Once your travel insurance is done before the trip, you can take your flight, and get your Thailand visa on arrival and splurge in.

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