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COVID Insurance

Covid Insurance provides protection in the event of virus contraction


COVID Insurance in Thailand

What is COVID Insurance?

COVID insurance, also known as COVID-19 travel insurance or pandemic travel insurance, is a type of insurance coverage that specifically addresses issues related to the COVID-19 pandemic. This insurance typically provides coverage for expenses incurred due to COVID-19-related events, particularly when traveling. Here are some common features of COVID insurance:

Trip Cancellation or Interruption:  Insurance may cover non-refundable trip expenses if your trip is canceled or interrupted due to COVID-19-related reasons. This could include illness, quarantine requirements, or other unexpected events related to the pandemic.

Emergency Medical Expenses: If you contract COVID-19 while traveling and require medical treatment, COVID insurance may cover related medical expenses. This can include hospital stays, doctor visits, medications, and other necessary medical services.

Quarantine Accommodation: If you are required to quarantine while traveling due to exposure to COVID-19, some policies may cover the cost of accommodations during the quarantine period.

Trip Delay:  Insurance may provide coverage for additional expenses incurred due to trip delays caused by the pandemic.

Coverage for Cancelled Flights or Cruises: If your transportation is canceled due to COVID-19, the insurance may cover the associated costs or offer reimbursement.

It’s important to note that the coverage and terms of COVID insurance can vary between insurance providers and policies. Some policies may have specific exclusions or limitations related to COVID-19, so it’s crucial to carefully review the policy details and understand the terms and conditions before purchasing.

COVID insurance is particularly relevant during times of global health crises when travel plans can be disrupted by various pandemic-related factors. If you’re considering purchasing COVID insurance, it’s advisable to consult with insurance providers and compare policies to find one that best meets your needs and provides the necessary coverage for your travel circumstances.

What to consider when it comes to COVID Insurance in Thailand?

When considering COVID insurance for travel to Thailand, it’s essential to be thorough in your evaluation to ensure that you have adequate coverage. Here are some key factors to consider:

Entry Requirements:

Check the specific COVID-19 entry requirements for Thailand, including any insurance requirements imposed by the Thai government. Some countries may require travelers to have specific types of travel insurance that cover COVID-19-related expenses.

Coverage for COVID-19 Treatment:

Ensure that the insurance policy covers medical expenses related to COVID-19, including hospitalization, testing, and treatment. Verify the coverage limits and whether pre-existing conditions related to COVID-19 are covered.

Quarantine Coverage:

Confirm whether the COVID Insurance provides coverage for expenses related to quarantine, such as accommodation and meals, in case you are required to quarantine in Thailand due to exposure or a positive test result.

Trip Cancellation and Interruption:

Check if the Insurance covers non-refundable trip expenses in case your trip is canceled or interrupted due to COVID-19-related reasons, such as illness or travel restrictions.

Emergency Medical Evacuation:

Ensure that the policy includes coverage for emergency medical evacuation if you need to be transported to a different location for medical treatment.

Policy Exclusions and Limitations:

Carefully review the policy’s terms and conditions, including any exclusions or limitations related to COVID-19. Understand the circumstances under which the Insurance may not provide coverage.

Coverage Duration:

Check the duration of coverage to ensure that it aligns with the length of your stay in Thailand. Some policies may have specific coverage periods, and it’s important to be covered for the entire duration of your trip.

Reliability of the Insurance Provider:

Choose a reputable Insurance provider with a track record of reliable service and prompt claims processing. Read reviews and consider recommendations from other travelers.

Refund and Cancellation Policies:

Understand the policy’s refund and cancellation policies, especially if your travel plans change. Some insurance providers may offer flexibility in case of changes to your itinerary.

Local Regulations and Requirements:

Familiarize yourself with any specific regulations or requirements imposed by Thai authorities regarding COVID insurance. This information can change, so it’s advisable to check for updates closer to your travel date.

Always consult with the insurance provider directly to clarify any questions and ensure that you fully understand the terms of the policy. Additionally, keep abreast of any changes in travel advisories or entry requirements for Thailand, as these can impact the effectiveness of your coverage.

No two cases are the same as with other health insurances premiums and benefit depend on the buyer’s age, medical conditions and reasons for entry into Thailand.

To meet the various Thai government requirements, we work with established Thailand based insurers such as:


AXA INSURANCE CO (no 14 days waiting period).

AXA Insurance is a global insurance and financial services company known for its broad range of products, including life, health, property, and casualty insurance. With a presence in numerous countries, AXA is a leading provider of insurance solutions. The company focuses on customer-centricity, leveraging innovation and technology to enhance its offerings. AXA’s commitment to sustainability is evident in its efforts to address environmental, social, and governance issues. Known for financial strength and stability, AXA continues to adapt to the evolving needs of individuals and businesses, providing reliable protection and financial solutions for a more secure future.


LUMA HEALTH (14 days waiting period).

Luma Health is a healthcare technology company specializing in patient engagement and appointment management solutions. Leveraging innovative software, Luma Health streamlines healthcare processes, reducing patient no-shows and improving overall accessibility. Their platform facilitates two-way communication, enabling providers to send appointment reminders, receive patient responses, and manage scheduling efficiently. Luma Health focuses on enhancing the patient experience through personalized communication and ensuring timely access to care. With a commitment to optimizing healthcare workflows, Luma Health empowers healthcare organizations to deliver more efficient and patient-centric services, ultimately improving outcomes and satisfaction in the rapidly evolving landscape of healthcare technology.


PACIFIC CROSS (14 days waiting period).

Pacific Cross is an international health insurance provider that offers a range of insurance products, including health and travel insurance. With a presence in various countries across Asia, including Thailand, Vietnam, Indonesia, and the Philippines, Pacific Cross caters to the diverse needs of expatriates, locals, and travelers. The company is known for providing comprehensive coverage, including medical expenses, hospitalization, emergency evacuation, and other health-related services. Pacific Cross emphasizes customer-centric solutions, aiming to offer peace of mind and financial protection to individuals and families. Their insurance plans often include options for different coverage levels, allowing customers to tailor their policies to their specific needs.

These policies meet the need for the Certificate of Entry (COE), Thailand Pass, Phuket Sandbox, and Samui Sandbox as well as general entry or re-entry and the COVID-19 cover letter.

When does my COVID Insurance start?

Coverage starts immediately after clearing immigration in Thailand. This includes the period of 14-day Alternative State Quarantine (ASQ), Alternative Local State Quarantine (ALSQ) and Sandbox Stay. Covid Insurance can be arranged for short or long term, including renewable cover up to 1 year, it is also compliant for OA visa requirements as well.

Thailand Insurance Services will provide you with the right COVID Insurance from the leading insurance providers in Thailand for you. We are the leading insurance broker in Thailand for COVID Insurance coverage.