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Thailand travel insurance

Thailand on your radar? Consider what cover you may need

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Travel insurance for Thailand

Boasting postcard-perfect coastlines including Maya Bay and Railay Beach, Thailand is much more than a ‘beach’ holiday destination. Thanks to the country’s diverse experiences and landscapes, everyone with a mantra of ‘more-is-more' or ‘I’m here to unwind’ is welcome.

And whether you're sampling Thai street food at a bustling Bangkok market or learning about conservation at an elephant sanctuary, travel with the feeling of freedom knowing you have cover with RACV Travel Insurance.

It's insurance that gives you 24-hour emergency medical assistance for you and your listed dependents up to the age of 25, provided they are financially dependent on you, not working full time, and traveling with you the whole time. 

Plus, inclusions like $10 million in legal liability cover, and cover for emergency expenses if your trip gets interrupted by unforeseen natural disasters and severe weather events.#

From safeguarding your health, to protecting your belongings, discover the extra peace-of-mind RACV Travel Insurance can provide to help you prepare for the best in Thailand.

Flexible coverage to suit your trip

For an extra boost of protection, you have the option to include a range of extras in your policy including cruise cover. Even if you don't need extras, the flexibility of your policy means you'll get to choose the excess you’ll pay per claim, change your destination, add another travel stop, or update your travel dates until the day you leave.

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Know what you have cover for during your stay in Thailand

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Luggage and travel document replacement, credit for delayed luggage

For approved claims, luggage will be repaired or replaced if it gets lost, is stolen or damaged. For lost travel documents and credit cards, or those illegally used by someone other than you or your travelling companion, there is cover for their replacement or cost resulting from their fraudulent use. Lastly, receive reimbursement# towards clothing and essentials if your luggage is delayed by over ten hours.

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Round-the-clock emergency medical assistance

Give yourself the best defence for unforeseen circumstances with 24/7 emergency medical assistance and $unlimited** hospital cover. Receive $50 per 24 -hour period# if your stay in hospital exceeds 48 hours. Plus, be covered for a range of automatically covered conditions including Diabetes Type 1 and 2, high blood pressure and cover for pregnancy# up to the 25th week provided conditions meet specific criteria.

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Motorcycle, moped and scooter cover

From party-central Phuket, to the lush jungle of Chiang Mai, explore the island’s most popular regions while riding a moped or motorcycle with cover included at no extra cost^. You or the driver must hold a current Australian Driver’s Licence or a valid licence for Thailand and you must be wearing a helmet and not under the influence of drugs or alcohol. 

# Limits, sub-limits and exclusions apply. Refer to the Product Disclosure Statement for full details.

** $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. 

  • Mopeds and scooters: The driver must hold a current Australian Driver's Licence (this doesn't include a learner's permit) or a valid driver’s licence for the country in which they're driving, even if that country does not require the policy holder to have a valid driver’s licence.
  • Motorcycles: The driver must hold a current Australian Motorcycle Licence or a valid driver’s licence for the country in which they're driving, even if that country does not require the policy holder to have a valid driver’s licence.
  • Mopeds, scooters, motorcycles, quad bikes: Both the driver and passenger must be wearing a helmet.
  • Mopeds, scooters and motorcycles: Cover is only provided for injuries sustained whilst on the moped, scooter, or motorcycle - there is no cover for damage to any two-wheeled vehicles.

If any of the conditions above aren't adhered to, your RACV Travel Insurance policy may not cover you in the case of an accident. International Drivers Permits are available for most countries. Please check the country list for full details and possible exclusions.

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Sports and activities

Explore more than 30 activities already covered by international travel insurance (criteria applies).

Check what's covered

Assistance and support

Emergency assistance while overseas

The team of experts are available to provide emergency support 24-hours a day. Reverse charges are accepted.

Call as soon as practical if you are receiving medical care and the total cost is likely to exceed $2,000.

Travel alerts

Check travel status before you plan your trip and again before you leave.

RACV Travel Insurance won't cover you for destinations with a Department of Foreign Affairs and Trade "Do Not Travel" status.

Need help?

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed. RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS. 

Choose from 3 levels of international cover

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