Destination Information

Excluded destinations:

InsureandGo will NOT cover any loss, injury, damage or legal liability arising directly or indirectly from travel in, to or through Afghanistan, Belarus, Crimea, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan, Syria, Chad, East Timor, Haiti, Lebanon, Liberia, North Korea, Pakistan, Russia, Somalia, Uganda, Ukraine, Venezuela, Yemen and Zimbabwe.

Included destinations:

Pacific:

The South Pacific: Papua New Guinea, American Samoa, Cook Islands, Fiji Islands, French Polynesia (including Tahiti), Kiribati, New Caledonia, Niue, Samoa, Solomon Islands, Tonga, Tuvalu, Vanuatu, New Zealand)

Worldwide exc USA:

If your destination is "Worldwide exc USA" you are covered Worldwide excluding USA, Canada, Mexico, Central & South America and Antarctica.

Worldwide inc USA:

If your destination is "Worldwide inc USA" you are covered Worldwide including USA, Canada, Mexico, Central & South America and Antarctica.

Asia:

South Asia: Sri Lanka, Bangladesh, India, Nepal, Maldivas

South East Asia: Birmania, Brunei, Cambodia, Philippines, Indonesia (Including Bali and Lombok), Laos, Malaysia, Singapore, Thailand, Vietnam

East Asia: China, South Korea, Hong Kong, Japan, Taiwan

Domestic: Australia, Norfolk Island

Cruise Specific Destinations

Domestic Cruise:

Domestic cruises within Australian Territorial waters, or international waters, providing you do not stop at any international port. If you want to travel around Australia before your cruise departs, you will need to buy two separate policies, a Domestic single trip policy for the duration of your trip before boarding and a cruise trip policy for your cruise. (If you select the Domestic cruise policy your baggage will only by covered for a maximum of 72 hours before boarding)

(The Domestic cruise policy also provides cover for stopovers in Australian ports up to 48 hours)

Domestic, NZ and Pacific Cruise:

Cruises that include any Pacific destination and docks at any Australian port after departure (Including final port).

Asia and Domestic

Cruises that include any Asia destination and docks at any Australian port after departure (Including final port).

Please note:

If you have a multiple destination itinerary, you should select the travel plan for the destination where you will spend the majority of your trip overseas except where you will spend more than 48 hours of your trip in the continents of North America, South America or Antarctica.
If you will spend more than 48 hours of your trip in the continents of North America, South America or Antarctica, then you should select the Worldwide Including Travel Plan.
If you select the Domestic Cruise, Pacific and Domestic or the Asia and Domestic travel destination we will cover Medical and Evacuation expenses. With Medical expenses we mean expenses incurred on board relating to medical illness or injury assistance. We will also cover the repatriation or evacuation expenses if the medical practitioner has stated in writing that you are unfit to continue your trip due to medical illness or injury. This benefit does not apply to any medical treatment provided on Australian inland or whilst the ship is tied up in an Australian port. All other benefits included in your policy provide cover whilst your ship is docked in an Australian port for a maximum of 48 hours.
If you select a cruise option, there is no cover for Section L (Rental Vehicle Excess Waiver) whilst your ship is in an Australian port.

Thailand Travel Insurance

Famous for its tropical beaches, stunning temples, incredible nightlife, and world class shopping, there is no wonder why Thailand consistently ranks in the top 5 international destinations Australians choose for their holiday abroad.

Be captivated by the beauty and relaxation of Phuket and the Phi Phi Islands or enjoy Bangkok’s ornate palaces, temples, and its EM District with its endless shopping and dining. InsureandGo offers quality comprehensive travel insurance for Thailand suited to your individual needs.

Why Travel With Us to Thailand?

Pregnancy cover for up to 30 weeks

24 hour emergency assistance

Cover up to 100 years young

Cruise and Bare Essential Policies cover up to 79 years of age

No upfront medical certificates/assessments

Unlimited overseas medical expenses

What Your InsureandGo Policy Will Cover You For

InsureandGo, Australia’s online travel insurance specialist, offers affordable comprehensive policies that are backed by an expansive 24/7 global assistance network. Depending on which level of coverage you choose, your travel insurance policy for your next trup to Thailand may include the following:

Unlimited Overseas Medical Expenses
Trip Cancellation for Instances such as Unforeseeable Death, Injury, or Illness
Emergency Medical Evacuation
Trip Interruption
Lost Bags or Personal Belongings
Pregnancy Cover For up to 30 Weeks
Unlimited Dependent Children up to the Age of 18 Insured for Free**
Coverage for 90 Different Sports and Leisure Activities Including Bungee Jumping and Snorkelling

Please read our full insurance policy terms, provisos, exclusions, and conditions for full details regarding this coverage.

Natural Disaster Cover

When travelling to a destination like Thailand, it is important to include travel insurance for natural disasters. Natural disasters that can occur in Thailand include typhoons, floods, landsides, and tsunamis.

To make a claim due to an unexpected natural disaster, you must have purchased our policy upgrade option and the option must be shown on your policy. Note that there is no coverage for costs incurred relating to a natural disaster if an event is already known prior to purchasing a policy.

Choose our Silver or Gold level of cover for protection against trip cancellation, and consider additional emergency expenses. These are expenses you incur after departure that are over and above what you had originally budgeted to pay, if your trip is disrupted, or you are required to return to your home in Australia because of a natural disaster. These expenses can include things such as accommodation, meals, or travelling costs.

Note that medical cover due to any natural disaster is automatically included in all international policies without purchasing this policy upgrade.

What You May Not be Covered For

Government Warnings: Check to make sure that any current Australian Government foreign travel warnings won’t affect your travel insurance coverage.
Consumption of Alcohol: Claims that arise directly from you or a covered party consuming alcohol will be denied.
Motorcycles & Scooters: Claims will be denied if you do not hold a valid driving licence for the country you are in and, for motorcycles 125cc or higher, a valid licence for an equivalent rated motorcycle in Australia.
Unattended Belongings: You will not be covered for any personal luggage or belongings if you leave them unattended in a public place such as a beach.
High Risk Activities: InsureandGo policies automatically cover 90 different sports and activities, but make sure to check that your chosen activity is covered.
Reporting Incidents: Be sure to report any instance such as theft or loss of belongings within 24 hours to the appropriate authority or risk your claim being denied.
Natural Disasters: To make a claim due to a natural disaster, you must have purchased InsureandGo’s policy upgrade option and the option must be shown on your policy. Note that there is no coverage for costs incurred relating to a natural disaster if an event is already known prior to purchasing a policy.
Pre-Existing Medical Conditions: InsureandGo considers all pre-existing medical conditions for potential cover, if agreed, so long as they are reported at time of purchase. Failure to disclose any pre-existing medical conditions may void any claim relating to that condition.

Most Common Questions

1. Do I need travel insurance for Thailand trip?

You should always check before planning your travel to Thailand that the country has no specific travel insurance requirements. While we cannot advise on whether or not you should purchase travel insurance to travel to the Thailand; taking out travel insurance is highly recommended by the Australian government and smartraveller.gov.au.

3. Does your insurance cover damage to a rental cars and rental motorbikes?

Our Gold policies cover your rental car excess up to $8,000, but not motorbikes. For a rental car to be covered, you need to make sure that it is insured, as we do not pay for full damages to a rental car, only your excess.

5. Do you cover pregnancy?

We automatically cover you for unlimited medical, hospital and surgical for the complications of pregnancy up to and including the 30th week for one baby only.

There is no cover for claims resulting from your pregnancy or childbirth after the 30th week of pregnancy.

However medical expenses cover will be provided for a range of complications associated with pregnancy before the 31st week of pregnancy. Please read the PDS for more information.

If you become pregnant after you purchase a policy and will be more than 30 weeks pregnant (or 20 weeks if you are expecting more than one baby) at the start of, or during, your trip, you may be covered for the cancelation of your trip before departure, as explained in the PDS.

Please keep in mind that no cover is available for children who are born overseas during your trip.

2. How much does travel insurance to Thailand costs?

It depends upon various factors such as your age, how many people are travelling, for how long, if any travellers have pre-existing conditions etc. so we cannot really estimate the cost of the travel insurance to the Thailand without knowing those things. You can fill in your trip details in the quote box above and at the next step; and you will be able to select a policy within three different levels of cover. Please note this policy price will increase if you opt for various other add-ons such as golf, business, natural disaster etc.

4. Do you cover pre-existing medical conditions?

InsureandGo do not automatically include cover for any pre-existing medical conditions. But all conditions can be considered via a medical questionnaire that you can either complete online or through the call centre.

A pre-existing medical condition is any diagnosed medical condition for which, in the last 5 years, you or any insured person has suffered from or has received any form of medical advice, treatment or medication.

To determine whether your condition will be covered, you will need to complete the Medical Assessment during the purchase process online or over the phone.

Please contact us if you would like to complete the questionnaire over the phone.

6. Do you provide cover for a natural disaster?

Yes, we offer cover for additional emergency expenses you may incur because of a natural disaster, provided you select natural disasters cover in the last step of the purchase journey. This additional fee to be covered for these events is applicable under all levels of cover and the amount you can claim varies depending on the level of cover you choose. Please note that if you do not select this cover you will not be covered for natural disaster. This optional add on can be selected at the end of quotation just before making a payment online or if doing it over the phone our agent will ask you if you wish to add it onto your policy. Whilst you may not be covered for natural disaster if you fail to add on the optional add on, you will still be covered for medical expenses incurred as a result of a natural disaster.

Travel Tips for Thailand

Visas for Thailand

Australians may visit Thailand visa-free for up to 30 days. Should you wish to stay longer you should apply for a tourist visa which will allow you up to 60 days in the country. Thailand also offers several non-immigrant visas, allowing for even longer stays.

Best Time to Visit Thailand

Temperatures stay warm in Thailand throughout the year but the country does have a definitive wet and dry season.

Dry Season (November-March): Considered the peak season, expect a lot of tourists especially around the Christmas/New Year holidays. Many festivals take place during this period where monsoons have ended and more comfortable weather can be enjoyed.

Wet Season (July-October): As the rains return, the tourists begin to leave making for less competition when it comes to enjoying all of Thailand’s beauty. Be advised that some activities and services may not be operational during this time. Travelling before the rains during shoulder season (April- May) may be a better option despite hot temperatures and note that the month of June sees an influx of tourists from Europe and Australian students.

Health Concerns

There are several factors that can impact your health when holidaying in Thailand, an important reason to take out comprehensive travel insurance. InsureandGo offers cheap travel insurance¹ options which include unlimited overseas medical expenses along with considering all pre-existing medical conditions. To ensure you receive the best medical coverage from InsureandGo, you should declare all of your pre-existing medical conditions when you apply for travel insurance with us.

Tips for Remaining Healthy in Thailand

Gastro issues can be common in Thailand therefore avoid tap water (including ice for drinks) and be weary of street vendor food that may not be cooked fresh or adequately.
Mosquito-borne illnesses are quite common so it is important to use effective repellent or cover yourself with clothing as much as possible.
Avoid contact with animals such as monkeys and dogs as they may carry diseases or viruses such as rabies.

Crime & Safety

If you plan to travel to Thailand, it is imperative that you pay attention to the news and check Smartraveller on a regular basis for up to date safety information and travel advice. If you travel against government advice, it may mean your travel insurance with InsureandGo will be void.

Tips for Remaining Safe in Thailand

Scooters are a great way to travel around Thailand but be sure to wear a helmet, obey road rules and scooter hire rules at all times, ensure belongings are safely locked away, have coverage for medical, hospital and personal accident, and be prepared should you damage your scooter (excesses for scooters and motorcycles will not be covered by your insurance policy)
InsureandGo provides cover for a high number of water activities such as scuba diving and snorkelling, It is essential that you check the terms and conditions for the specific activities you will be participating in while in Thailand to make sure you are covered. Special terms often apply to scuba divers. To keep your insurance valid, you must ensure that you are a qualified scuba diver or that you only dive with a certified instructor, you only dive to depths of up to 30 metres, and you always scuba dive with at least one other person
Theft and pick-pocketing can be common in Thailand, so keep a close eye on your belongings at all times. Lock valuables away whenever possible and carry anti-theft bags, purses, or wallets.
Civil unrest or terrorist attack is possible in Thailand so avoid demonstrations and be aware of the latest safety advice.
Thailand’s roads are some of the most dangerous in the world. Take care at all times and make sure you are covered with suitable insurance.
Avoid all drug use as penalties for being caught can be extreme and harsh. Medications allowed in Australia may be considered narcotics according to Thailand.

Respecting Thai Customs

Thailand is tourist friendly, but there are some customs you should be aware of while travelling

When visiting temples, make sure to cover yourself and avoid touching or giving/taking anything from monks.
Avoid engaging in any offensive or sacrilegious acts in relation to God, Buddha or Thai Royalty, as these can result in imprisonment
Refrain from making physical contact with locals as touching can be considered inappropriate depending on the circumstances.
Do not engage in excessive public displays of affection in Thailand
If a local ‘wais’ you (bows and presses both hands together at the chest), you should wai them back, unless they are a child
Avoid pointing at things and refrain from using your left hand for actions in public as Thais consider the left hand “dirty”.
Defacing images of the king is illegal and you could face jail time should you disrespect anything including currency which may portray the king’s image.
Expect fines for any littering.

**Children (including fostered, or adopted children) travelling with either their parents or grandparents will be provided with travel insurance cover for no additional cost (any pre-existing medical conditions may incur an additional charge). This is provided they are under 18 years of age, named on the Policy Schedule and are financially dependent on either their parents or grandparents.