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Thailand travel insurance

Jetting off to Thailand? Get cover for medical bills, lost luggage, scooter rides|| and more.# RACV Members save 15%.* 

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Travel insurance for Thailand

Thailand is a country of endless variety. Bangkok's temples and night markets sit a short flight from the limestone cliffs of Krabi and the laid-back islands of Koh Samui and Koh Phi Phi, while the north offers cooler mountains, forest adventures and the ancient charms of Chiang Mai. Add some of the best street food in the world and it's easy to fill weeks island hopping, temple hopping or doing nothing much at all.

Even the best-planned Thailand trip can hit a snag, whether it’s an unseasonal monsoon, scooter mishap or stomach bug that puts your plans on hold.

RACV International Travel Insurance is built for these moments, with unlimited cover for overseas medical expenses^, lost or damaged luggage and emergency expenses if severe weather or other disruptions affect your plans.# Motorcycle, moped and scooter rides are also covered at no extra cost, so you’re free to get around like the locals do.|| 

Planning a Thailand getaway?

From island-hopping cruises to luxury hotels, book with RACV and save on a range of unique Thai experiences.

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Why choose RACV Travel Insurance for Thailand?

Thailand can pack a lot into one trip, so it pays to have cover in place. Here's how RACV Travel Insurance supports you while you travel.

Any product information on this page is a summary only. Review each section of the combined PDS/FSG for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply. 

Overseas medical expenses

$unlimited medical and hospital cover while you’re in Thailand.^ Plus, get automatic cover for 38 medical conditions.~ 

Luggage and personal money

Cover in case your luggage is lost, stolen, damaged or delayed while travelling. Plus, cover if your money gets stolen.

24/7 overseas assistance

Around-the-clock phone support for overseas medical emergencies and evacuation.

Scooter and motorcycle cover

Cover for scooter and moped rides is included at no extra cost, subject to licence and helmet conditions.ǁ 

Cancellation and lost deposits

Claim for cancellations and lost deposits from the moment you purchase your policy (available on select plans).

Kids and grandkids covered

RACV Travel Insurance policies insure your children and grandchildren for free.++ Add them to your policy before you travel.

Emergency expenses

Cover for extra accommodation and meal expenses if your travel is delayed by severe weather or an unexpected event.

RACV Members save 15%

Already a Member? You'll save 15% year-round on all travel insurance policies.*

Compare Thailand travel insurance plans

Choose from 3 levels of cover to match your Thailand adventure. All RACV International Travel Insurance policies include unlimited overseas medical and hospital cover.^ 

Most popular^^

Comprehensive

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Essentials

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Basics

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A young woman riding a motorcycle in Bali.

Scooters and motorcycles in Thailand

Scooters and motorcycles are some of the most popular ways to get around Thailand, especially along the coast and on islands like Koh Samui and Koh Phangan, where they're often the easiest way to reach beaches, viewpoints and local restaurants. Road conditions and traffic can differ from Australia, so it pays to ride with a bit of extra care. 

RACV Travel Insurance automatically includes cover for scooter, moped and motorcycle riding at no additional cost.ǁ Just make sure you're wearing a helmet (whether you’re the driver or a passenger), following the road rules and that the driver has a valid licence. 

Thailand travel tips

A little planning goes a long way in Thailand. Here are a few things to know before you go. 

Best time to visit Thailand

Thailand's weather varies by coast and season. The west coast (Phuket, Krabi) is driest from November to April, while the east coast (Koh Samui) sees its best weather from December to September. Ferry schedules can be affected by monsoon conditions, so take the weather into account if you’re planning on island hopping. 

Thailand visa requirements

Australian passport holders can enter Thailand visa-free for short stays of up to 60 days. You need to complete a Digital Arrival Card within 72 hours before arriving and should ensure your passport is at least 6 months from expiry. Entry rules can change, so check Smartraveller before you go.

Staying safe in Thailand

Thailand is one of Southeast Asia's most visited destinations and welcomes millions of travellers each year. As with any busy tourist area, it's worth staying alert to petty theft and common scams, particularly around taxis, tuk-tuks and attractions. A little awareness goes a long way toward a smooth trip. 

Frequently asked questions

While travel insurance isn't a legal requirement to enter Thailand, it is recommended. Many travellers who need emergency medical treatment end up in private hospitals, which offer faster treatment and English-speaking staff, but costs can add up quickly, especially if evacuation or repatriation is needed. Without cover, medical treatment, travel disruptions and lost luggage are all costs you'd need to pay yourself. 

RACV International Travel Insurance offers unlimited overseas medical and hospital costs on all plans,^ along with cover for luggage, emergency expenses and cancellations (on select plans). Scooter and moped rides are also covered at no extra cost.ǁ

A few factors are worth considering when choosing travel insurance for Thailand: 

  • Trip length and value: the more you've pre-paid, the more cancellation cover matters. 
  • Activities: if you’re planning on doing any adventure sports while in Thailand, you need to make sure it’s covered by your policy. 
  • Medical needs: if you have any medical conditions, check what's automatically covered and what may need to be declared. RACV Travel Insurance automatically covers 38 conditions, subject to specific criteria.~ 
  • How often you travel: frequent visitors to Thailand may find an Annual Multi-Trip plan more convenient than single-trip policies. 

RACV Travel Insurance offers 3 levels of cover for single international trips – Comprehensive, Essentials and Basics – along with Annual Multi-Trip for frequent overseas travellers. All RACV international insurance plans include $unlimited overseas medical and hospital cover^, 24-hour emergency assistance and cover for lost luggage. RACV Members save 15% on their premium.* 

There's no single price for Thailand travel insurance because your premium is calculated based on your specific trip and circumstances. 

Factors that affect the cost of travel insurance include: 

  • Trip length: Generally, the longer your trip, the higher the premium. 
  • Traveller age: Age is a factor in how premiums are calculated. 
  • Level of cover: A comprehensive plan will cost more than a basic plan but will offer higher limits and broader cover, such as cancellation cover. 
  • Excess: Choosing a lower excess typically increases your premium. 
  • Health: If you have a medical condition that isn’t automatically covered, your premium can be affected.
  • Cruises: Ocean cruises aren’t typically included with standard insurance policies, so you’ll need to add optional cruise cover.**  

The best way to find out what you'll pay is to get a quote – it only takes a few minutes. RACV Members save 15% on their premium.*

Yes, travel insurance generally covers emergency medical treatment in Thailand, although planned surgical procedures won’t be covered. Most policies cover the cost of treatment for illness or injury while you're there, including hospital stays, though what's included depends on your plan and the circumstances. 

Generally cover will include: 

  • Overseas hospital treatment for illness or injury 
  • Emergency dental treatment, in the case of an accident 
  • Medical evacuation or repatriation, if needed 
  • Ongoing costs while you're unable to travel home (subject to approval). 

It typically doesn't cover: 

  • Pre-existing medical conditions that haven't been disclosed and accepted 
  • Treatment for conditions you were already aware of before travelling 
  • Elective or cosmetic procedures. 

RACV Travel Insurance offers $unlimited overseas medical and hospital cover on all international plans^, with automatic cover for 38 common medical conditions.~ This applies whether you're treated at a public or private hospital in Thailand. 

Scooters and motorcycles are some of the most common ways to get around Thailand, but not every travel insurance policy automatically covers you if you get on one. Before you choose your travel insurance, it’s important to make sure you have or can get cover for travelling on two wheels and that you meet all the relevant conditions for safe riding. 


RACV Travel Insurance includes cover for scooter, moped and motorcycle riding at no additional costǁ, as long as you meet specific criteria, such as wearing a helmet and following the local road rules. Before you ride, check out more information on the Scooter and Motorcycle cover page. 

With RACV International Travel Insurance, cover for scuba diving depends on whether you're a licensed diver and how the dive is arranged: 

  • Licensed divers are generally covered for scuba diving as a standard activity. 
  • Unlicensed divers are covered too, provided the dive is run by a commercial operator, open to the public, doesn't require special skills or a high level of fitness, and isn't classified as an Extreme Risk activity. 

Other popular water activities in Thailand, like snorkelling, sailing trips and jet boating, are also covered under similar conditions when arranged through a commercial operator. 

Whether travel insurance covers a delayed or cancelled flight depends on the cause and which type of cover you have. 

  • If your flight is cancelled or delayed by the airline, any additional expenses this causes are generally the airline's responsibility. Most carriers are required to provide meals and accommodation for significant delays. 
  • If you need to cancel your trip entirely due to circumstances outside your control – such as a serious illness or family emergency – cancellation cover can reimburse prepaid, non-refundable costs you've already booked. 
  • If your trip is disrupted mid-way by a covered event, travel delay cover may reimburse additional accommodation, meal and transport costs you couldn't have anticipated. 

With RACV International Travel Insurance, cancellation cover is available on Comprehensive and Essentials plans, along with cover for travel delays of 6 hours or more, giving you a safety net for prepaid costs and unexpected expenses along the way. 

Thailand's monsoon season (roughly May to October) can bring heavy rain, flooding and tropical storms, which can affect ferries, flights and island itineraries. 

With RACV Travel Insurance, cover for the effects of natural disasters depends on the circumstances and timing of your policy purchase: 

  • Trip cancellation: if a natural disaster forces you to cancel or cut short your trip, cancellation cover may apply on Essentials, Comprehensive and Annual Multi-Trip plans, provided the event wasn't foreseeable at the time you purchased your policy 
  • Emergency expenses: if your trip is disrupted by a natural disaster while you're travelling, cover for additional accommodation, meals and transport may be available 
  • DFAT travel advisories: if the Australian government issues a 'Do Not Travel' advisory for your destination before you depart, this can affect your ability to claim, depending on when your policy was purchased.

Yes, most travel insurance policies include cover for lost, stolen or damaged belongings, which is worth having given how much moving around a typical Thailand trip involves — between islands, cities and overnight transfers. 

Generally, cover includes: 

  • Luggage that's lost, stolen or damaged while travelling, including on transport 
  • Personal money that's stolen during your trip 
  • Delayed luggage, if you need to buy essential items while you wait for it to arrive. 

It typically doesn't cover: 

  • Belongings left unattended, including on a beach or by a pool while swimming 
  • Items left in an unlocked vehicle, or not out of sight in a locked one 
  • Cash or valuables not reported to police or the appropriate authority soon after the loss. 

RACV Travel Insurance covers new for old replacement for lost, stolen or damaged luggage. Cover for personal money and travel documents is also included on Comprehensive, Essentials and Annual Multi-Trip plans, along with cover if your luggage is delayed on the way to Thailand.

If Thailand is a regular destination, an annual policy could be worth considering.  

The RACV Annual Multi-Trip plan covers an unlimited number of international trips over a 12-month period, which could be a more convenient option. 

Each trip is covered up to a maximum duration of 30, 45 or 60 days (depending on your level of cover) and the same benefits apply across every trip you take during the year. RACV members save 15% on their premium too.* 

For more details on how annual travel insurance works, visit the Annual Multi-Trip Travel Insurance page.

Browse all FAQs

# Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to the combined PDS/FSG for full details.

* RACV Travel Insurance Member discount applies to the premium only (not applicable taxes).

^ ‘Unlimited’ means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions. Medical, hospital, dental or any ancillary benefits or expenses incurred more than 12 months from the time treatment for the injury or illness was first received will not be covered. Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to the combined PDS/FSG for full details.

ǁ ‘Moped or Scooter’ (two or three wheeled motor vehicle (including e-scooters) with engine capacity below 50cc), ‘Motorcycle’ (two or three wheeled motor vehicle (including electronic versions) with engine capacity equal to or greater than 50cc) and ‘Quad Bike’ are defined in the PDS. Cover is subject to general exclusions, including where you are operating or travelling as a passenger without wearing a helmet and driving without meeting specific licensing requirements. Refer to the PDS for full definitions, terms, conditions and exclusions.

~ You’re covered automatically for 38 medical conditions if you meet all criteria, as outlined in the PDS. Refer to the PDS for full information on medical conditions that are automatically covered.

++ Dependant means any of your children or grandchildren who are 25 years of age or under, not working full time, travelling with you for your entire trip and listed on the Certificate of Insurance as your Dependant. Dependants can be covered at no extra cost if they have not disclosed any medical conditions requiring assessment. Terms, conditions, exclusions, limits and sub-limits apply. Refer to the PDS for full details.

^^ Most popular based on the number of policies sold to date.

~~ $unlimited means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions.

## These limits are per policy. 

⋄ Limited COVID-19 cover is only available for specific benefits and sub-limits apply. Refer to the PDS for full details, inclusions, exclusions and applicable limits.

** Refer to the combined PDS/FSG to determine if Cruise cover is required for your trip. Terms, conditions, limits, sub-limits and exclusions apply. 

Thailand travel guides

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Royal Automobile Club of Victoria (RACV) Limited (ABN 44 004 060 833, AR No. 1243563) (RACV) is an authorised representative of the RACV Travel Insurance insurer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine). Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455, AR No. 1313066) is an authorised representative of Tokio Marine, and administers RACV Travel Insurance as the managing agent on behalf of Tokio Marine.

Terms, conditions (including eligibility criteria), exclusions, limits and sub-limits apply. Any advice is general advice only, and does not take into account your specific objectives, financial situation or needs. Before you purchase, please consider the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and Target Market Determinations (TMDs) available on RACV’s website, or on request from RACV.

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