Travel Insurance Thailand

Types of Travel Insurance

Travel insurance refers to coverage provided during a trip, whether for tourism, study, seminars, or business activities. In general, travel insurance can be divided into two types:

Travel Accident Insurance

Commonly referred to as TA (Travel Accident Insurance), this is considered the most basic form of coverage. It only protects against accidents affecting the life and body of the traveler. Coverage begins once the insured departs from the starting point and ends upon arrival at the destination, or upon returning home. This insurance can be used for both domestic and international travel. Let’s take a look at what kind of protection you get from paying just a small premium.

Comprehensive Travel Insurance (International)

The other type is international travel insurance, also known as CTA (Comprehensive Travel Accident Insurance). This builds upon basic accident insurance by providing additional benefits. Besides covering medical expenses, disability, loss of limbs, and death from accidents, it also covers illness and damages caused by traveling. The additional protection compared to TA includes:

Main Coverages of International Travel Insurance

Travel insurance offers a wide range of coverages, which vary depending on the insurer. However, every plan has core protections that are considered essential, such as:

Medical Expenses

Coverage for illnesses, both outpatient and inpatient. This includes costs of evacuation, travel and accommodation for caretakers, as well as funeral expenses or repatriation of remains.

Compensation

For loss of limbs, disability, or death.

Daily Cash Allowance During Hospitalization

If the insured is admitted as an inpatient, the plan provides daily cash compensation.

Third-Party Liability

If the insured causes an accident that injures or damages another person, the insurer will compensate on behalf of the insured.

Loss of Personal Belongings

If belongings are lost, damaged, or stolen, the travel insurance will reimburse the actual value.

Flight Delay

If a commercial airline is delayed more than 12 hours due to unexpected, uncontrollable circumstances, the insurer will pay compensation for every 12-hour period of delay.

Baggage Delay

If luggage is delayed and the traveler incurs costs to purchase replacement essentials, these expenses can be reimbursed.

Trip Cancellation or Curtailment

Sometimes external factors may prevent travel or force early return, such as natural disasters at the destination, civil unrest, or a loved one’s illness. The insurer will reimburse losses such as deposits or penalties.

Hijacking

If the insured’s flight is hijacked, compensation will be paid for every 24-hour period of detention.

Emergency Assistance

Emergency assistance is an essential benefit. This usually includes ambulance services (Emergency Ambulance). In the event of an emergency, the insurer will advance payment for the ambulance cost. However, coverage varies by insurer, so it’s important to check whether a plan includes this benefit.

The scope of coverage may vary depending on the insurer and package chosen. Policyholders should carefully review the terms before purchasing. To find the most suitable travel insurance, it’s important to compare plans and coverages to match your needs. Compare travel insurance with us instantly to find the plan best suited to your health and travel requirements.

Steps to Purchase Travel Insurance

Buying travel insurance is simple—just follow these steps:

The process is quick and easy. In many cases, you can receive your policy immediately after purchase (depending on the insurer):

1. Fill out the application directly on our website.
2. Pay the insurance premium.
3. Get instant coverage, and your travel insurance policy documents will be sent to your email.*

*Some insurers also allow you to receive the policy instantly through our staff after purchase.

If you encounter any issues, feel free to contact us via LINE Chat with us or by email at support@checkdi.com.

Frequently Asked Questions

Why should I buy travel insurance for international trips?

Here are the key reasons why travel insurance is so important:

1. Illness while abroad

Getting medical treatment overseas can be difficult, and in countries with a high cost of living, treatment expenses can be extremely expensive. Travel insurance helps cover these costs, and often provides assistance in contacting hospitals, doctors, and emergency services.

2. Accidents

Accidents can cause both physical and emotional harm. Travel insurance provides coverage for medical expenses, compensation for loss of limbs, disability, or death, and may also cover damages caused by the insured to third parties.

3. Flight delays

Delays can disrupt trips significantly, especially for business travelers with fixed schedules. Travel insurance provides compensation for losses caused by delayed flights.

4. Delayed baggage

Baggage often contains essential items. If baggage is delayed, travelers may be unable to continue their trip or activities. Insurance reimburses costs for necessary items purchased while waiting for baggage.

5. Loss of belongings

Loss of important items like passports, luggage, or valuables can halt a trip. Travel insurance reimburses actual costs for such losses.

6. Trip cancellation or curtailment

Events such as illness, accidents involving loved ones, or natural disasters may disrupt travel, leading to rescheduling, ticket changes, or new bookings. Insurance helps cover these costs.

In short, travel insurance acts like a travel companion, offering peace of mind. It allows leisure travelers to fully enjoy their trips, business travelers to focus on their goals, seminar participants to gain knowledge, and students to pursue their studies abroad confidently.

If I already have health insurance, why do I need travel insurance?

Travel insurance provides special coverages that health or other insurance does not. Most people buy travel insurance for added protections such as: lost documents, lost baggage, flight delays, and much more.

Does travel insurance have a waiting period?

No. Travel insurance provides immediate coverage once you depart from Thailand (once the plane takes off). Protection starts right away without any waiting period, and lasts until you return to Thailand.

How do I make a claim?

You can file a claim directly with the insurance company. Keep all original receipts and medical certificates, as these documents are required for claim processing.

Does it cover lost baggage?

Coverage for lost baggage or flight delays depends on the plan selected. These are usually included in popular travel insurance plans. Please review the coverage details carefully when purchasing through our website, as baggage loss and flight delay protections are clearly listed.

What should I do if I get sick or something happens abroad?

If you become ill or face an emergency while abroad, contact the 24-hour emergency hotline listed in your policy documents (sent to your email). The insurer will provide assistance right away.

Does it cover pre-existing conditions?

Similar to health insurance, travel insurance does not cover pre-existing conditions. However, new illnesses or accidents that occur during travel will be covered as per the policy terms.

What ages are eligible for travel insurance?

Eligibility varies by insurer, but most plans cover from age 1 up to 75 years. Anyone within this range can buy travel insurance before departure.

What’s the difference between single-trip and annual travel insurance?

The coverage is essentially the same. However, if you travel more than 3–4 times a year, annual plans are usually more cost-effective than purchasing multiple single-trip policies.

Will I receive the policy by email?

Yes :) Your travel insurance policy will be sent to your email for convenience. You can print it if needed (for visa applications, for example), but printing is not required as the digital copy is valid.

What payment methods are available?

You can pay instantly by credit/debit card through our website for the fastest and easiest process. Alternatively, you can pay via bank transfer (Internet Banking), but this may require additional approval time.

How can I contact you?

Hotline: 02-985-9000
LINE: @checkdi
Email: support@checkdi.com

Business hours: Monday – Saturday, 08:00 – 17:30