"Super easy and reliable travel insurance! I used LUMA for my trip around Vietnam, Thailand, Japan and Southeast Asia. Everything was done online in just a few clicks. Got my policy instantly, no long forms or waiting. What I really liked is that it covers not just regular travel stuff, but also motorcycle accidents, which is a big plus if you're riding motorcycles around in SEA."
Travel Thailand, fully insured
With a decade in Southeast Asia, LUMA offers travel insurance Thailand travelers can count on, covering the risks that matter most on your trip.
Trusted by 100,000+ travelers
Buy online from $12
Backed by medical guidance
Claim from your phone
What does LUMA travel insurance for Thailand cover?
What's covered, what's not. No surprises
Yes!
Covered by LUMA Travel for Thailand
Emergency medical treatment for unexpected illness or injury
Emergency medical evacuation and repatriation
24/7 emergency assistance, wherever you are in Thailand
Trip cancellation and interruption after illness, accident or natural disaster
Lost, damaged or delayed baggage
Medical guidance from Medipro, LUMA's in-house medical team led by a French physician
Motorbike and scooter accidents
Not covered in Thailand
Pre-existing medical conditions
Events already known before the policy was purchased
Incidents involving alcohol or illegal drugs
Extreme and professional sports, like skydiving, paragliding and racing
Medical travel or trips taken specifically for treatment
Illegal acts or deliberately self-inflicted injury
Scuba diving
What does medical treatment cost in Thailand?
Real bills from real claims, before the insurance stepped in
- 18,763 USD
A simple fall broke a traveler's leg and ended in surgery.
An implant to fix the bone and several nights in hospital. Read the full story
LUMA Travel claim, Hua Hin, July 2026. - 5,992 USD
Dengue fever kept a traveler in hospital for three nights.
Lab tests, medicines, nursing care and a private room.
LUMA Travel claim, Koh Samui, November 2024. - 24,315 USD
A fall left a traveler with a serious head injury.
Twenty nights under a neurosurgical team, after a transfer from the nearest hospital. Read the full story
LUMA Travel claim, Bangkok, November 2025. - 8,786 USD
Sudden pain turned into same-day surgery.
Three days in a private hospital. Read the full story
LUMA Travel claim, Bangkok, May 2025. - 125,000 USD
A single broken leg became the year's largest claim.
71 days in a Thai hospital, from the operation to discharge.
LUMA Travel claim, Bangkok, May 2026.
Whatever happens, you're not on your own
On-the-ground teams and global partners help you reach the right care, wherever you are.
24/7 English-speaking assistance with coverage curated for Thailand.
Practical support backed by decade-long experience and deep-rooted hospital networks.
Direct access to our in-house medical team (Medipro) for real medical advice.
Why you need travel insurance for Thailand
Thailand calling? We go above and beyond to make sure your trip stays golden
01 Coral cut while snorkeling around Phuket?
Snorkeling around Phuket and Koh Phi Phi is a highlight of any Thailand trip, but a coral cut or a slip on a boat deck can turn into an infection that needs a doctor. Depending on your trip and plan, LUMA covers your treatment and can settle the bill directly with the hospital.
02 Food poisoning after a street food tour?
Pad thai from a night market stall or a fiery curry in Bangkok is part of the trip, and so is the occasional upset stomach. In the heat, dehydration can set in fast when symptoms don't settle. Medipro, LUMA's in-house medical team, helps you judge whether to rest and rehydrate or see a doctor, and points you to the right hospital. If you need treatment, LUMA covers the costs.
03 Scooter accident on the way to a Chiang Mai waterfall?
Renting a scooter is how many travelers explore Chiang Mai's countryside and the islands, and even a slow fall can mean stitches or an X-ray. If you get hurt, LUMA covers the medical costs of a motorbike or scooter accident.
04 Sick on a remote island like Koh Tarutao?
Thailand's quieter islands often have only a small clinic, and the nearest hospital can be a boat ride away. If the care you need isn't available nearby, LUMA's assistance team organizes an emergency evacuation to the nearest hospital that can treat you, when it is medically necessary. Call LUMA first, so the transfer is arranged and covered.
- ThailandThailand
05 Booking a last-minute trip?
Plans change fast, and Thailand is easy to say yes to. You can get a quote and buy your LUMA policy online in a few minutes, even at the boarding gate, as long as you buy it before your trip starts.
Thailand travel insurance cost
A little cover goes a long way in Thailand
Whether you call it travel or holiday insurance, the price for Thailand depends on where you’re traveling from, how long you’re traveling and the coverage level you choose. Here’s what prices look like for common trips for one traveler as of 2026.
Covered in under 5 minutes, even at the boarding gate
Hear real stories from real travelers
"I bought LUMA Travel Insurance for my Asia Trip and it was so easy, everything was done online in just a few minutes, and I received my certificate right away. The process was clear, simple and hassle-free which gave me peace of mind before even starting my journey. I really appreciated how smooth it was."
"I bought it for my trip to Penang. Convenient and peace of mind to have."
"LUMA proved to be an excellent partner for insurance in the SEA field. They took perfect care of me and provided all the necessary information."
"Perfect for traveling in Asia. One issue in Phnom Penh, LUMA and his staff was particularly efficient and took care of me. Thank you very much LUMA."
Thailand travel insurance FAQs
Got questions? We've got answers
No. As of October 2026, Thailand does not require travel insurance for tourists, but we strongly recommend it. A few nights in a private hospital in Thailand can cost thousands of US dollars. LUMA travel insurance covers your medical costs and arranges evacuation to a better-equipped hospital if you need one.
As soon as you book your trip. A LUMA policy must be bought before your trip starts, and trip cancellation coverage begins on the day the policy is issued. Buying early protects the money you have already paid if illness, injury or a natural disaster forces you to cancel.
Not online. A LUMA policy must be bought before your trip starts. If you have already arrived, contact our team and we will help you find a plan that fits. LUMA travel insurance also does not cover your own country of residence, so it is not designed for people who live in Thailand.
Yes. LUMA covers medical costs after a motorbike or scooter accident in Thailand, as long as you follow local law, including wearing a helmet. Racing and motor sports are not covered.
Look for emergency medical treatment, medical evacuation and repatriation, trip cancellation and interruption, and baggage coverage. In Thailand, coverage for motorbike and scooter accidents matters too, since so many travelers rent one. LUMA covers all of these, with limits depending on your trip and plan. Get a quote for your trip to see exactly what your plan covers before you buy.
Usually not, so plan on travel insurance for medical care.
From the US, Medicare does not pay for care outside the US in most cases, and if you have private health insurance, check what it pays abroad before you go.
From the UK, the GHIC is not valid in Thailand and never pays to fly you home, so you need travel or holiday insurance.
From Australia, Medicare does not cover treatment overseas, and Thailand is not one of the countries with a reciprocal health care agreement.
LUMA travel insurance covers your medical costs in Thailand and emergency evacuation if you need it.
It depends on your nationality. As of October 2026, passport holders from 60 countries and territories, including the US, UK, Australia and Canada, can visit Thailand visa-free for up to 30 days for tourism. This replaced the earlier 60-day exemption on September 15, 2026. Every foreign visitor must also submit the free Thailand Digital Arrival Card (TDAC) online within the 3 days before arrival. Rules can change, so check the latest requirements for your nationality before you travel.
Yes, depending on your trip and plan. You need to ask before your end date, while you are not under a doctor's treatment, and your total trip must stay within 180 days. Get a quote for your trip to see exactly what your plan covers before you buy.
It can be, as long as the low price still buys the cover that matters in Thailand: a high medical limit, emergency evacuation, and motorbike or scooter accidents.
Hospital bills, not the price of the policy, are where a cheap plan can fall short, so check the medical limit first.
LUMA plans include medical care up to US$1 million, emergency evacuation and motorbike and scooter accidents.
Yes. If you catch COVID-19 during your trip, your medical treatment is covered like any other sudden illness.
Travel guides and resources
Guide for Thailand tourist visa requirements
How to apply for a Thailand tourist visa and the documents you need.
Best places to visit in Thailand
From Bangkok and Chiang Mai to Phuket, the islands and the temples.
Thailand motorbike accident travel insurance
Why travel insurance matters when you ride a motorbike in Thailand, from accident risks to medical costs.
What to do in case of emergency in Thailand
Where to go in a medical emergency, including in Bangkok and Phuket.
Food poisoning in Thailand: is it covered by travel insurance?
When an upset stomach needs a doctor in Thailand, and what travel insurance covers.
