Whether due to its proximity, natural beauty, or things to do and experience, Thailand is one of the most visited travel destinations for Indians. Every year, thousands of tourists with friends and families visit for fun and relaxation.
While travelling to Thailand is a relatively safe experience that brings joy and fun to all, it is still important for tourists to plan their journey ahead of time and secure it with travel insurance. Here is all you need to know about choosing the right travel insurance for your Thailand trip.
What is travel insurance?
A travel insurance policy is a contract between an insurance provider and a policyholder promising the policyholder financial protection from covered risks. These risks can be of varying degrees of severity and frequency and can be both medical and non-medical travel-related risks. For example, one may have one’s trip cancelled at the last moment due to a medical emergency or face a medical emergency when travelling abroad. Travel insurance covers these risks and offers compensation or reimbursement for additional or unexpected expenses.
This protects travellers on a trip and prevents them from incurring a significant financial loss, getting improper medical care, or experiencing a negative travel experience.
Why get insurance for Thailand travel?
Many people might wonder whether travel insurance is mandatory for Thailand trips. Well, currently, travellers planning a trip to Thailand should not be concerned that there is no mandatory requirement to opt for travel insurance when visiting the country. However, it is highly recommended that travellers get insurance to secure their journey and protect them from the dozens of covered travel-related risks.
Not just this, there are a few other benefits travel insurance offers, making insurance a vital tool, especially when travelling abroad—for example, access to quality healthcare services without having to worry about dipping into savings. Coverage for travel-related risks like loss of checked-in baggage or trip cancellation, which can result in financial loss or just a bad experience dulling the excitement and anticipation of the trip, can be beneficial. And while not applicable for Thailand, travel insurance is a mandatory requirement for a visa in over 30 countries, including the Schengen Area.
Why choose the right travel insurance for Thailand trip?
As a traveller, no matter how vital travel insurance is, when not needing to use it, it can feel like an additional expense. This is sometimes even carried forward when considering which insurance policy to choose. While many travellers look for either the cheapest policy or a policy from a renowned insurance provider due to their name, after all, why waste money or spend time choosing?
This is where the necessity of choosing the right travel insurance policy comes out. The primary reason behind this is simply because of the confidence and peace of mind it offers. When faced with a travel-related risk, no matter how small or insignificant, it can cause considerable stress and anxiety. This is further expressed when a traveller is going on a trip with their loved ones. While facing risks alone is one thing, having loved ones exposed to those risks can be a lot more difficult to handle.
This is why you should choose the right travel insurance for your Thailand trip. This will allow you to explore the country’s offerings while protecting you from dozens of risks.
How do you choose the right travel insurance for Thailand trip?
Choosing the right travel insurance can sometimes take time and be confusing due to the number of insurers and their similar offerings. However, selecting the right policy for your needs and peace of mind is possible while maintaining affordability in terms of premium. Here are some tips to help you choose the right insurance policy for your travel needs.
1. Consider the risks and review any travel advisories
As a traveller, whether it is hidden and unexpected or direct risks, it is essential to consider their potential impact and plan accordingly. For example, eating street food in Bali can sometimes lead to stomach aches or loss of checked-in baggage, which is frequent in the United States. Hence, having coverages based on these risks and travel advisories is beneficial.
2. Consider the dates of travel
Foreign travel often leads to confusion due to varying time zones and dates. This can lead to misunderstandings and miscalculations when buying travel insurance. Consider the local time and arrival date to avoid being uncovered when travelling abroad.
3. Consider the types of travel insurance
There are several types of travel insurance for the varying needs of Indian travellers. Whether it is student travel insurance for student travellers or multi-trip insurance for individuals planning multiple trips to the same destination in a year, there is something for everyone’s needs.
4. Consider certain crucial factors to compare when choosing an insurance policy
Consider these factors among any other specific requirements when purchasing an insurance policy.
- Medical and non-medical benefits
- Smooth claim process
- Claim limit
- Exclusions
- Deductibles and sub-limits
- Emergency assistance
5. Consider the reviews and determine the reliability of the insurance provider
Do your research and check online reviews and testimonials to determine the reliability of the insurance provider for the security of your and your family’s well-being.
How to get travel insurance for Thailand?
Travellers looking to secure their Thailand trip can do so with just a few clicks in a few minutes using an online portal like the one Niva Bupa offers. Niva Bupa is one of the leading providers of travel insurance in India. It allows travellers to buy travel insurance conveniently and affordably to secure their journey, enabling them to travel with peace of mind.
Here is how you can buy travel insurance for Thailand from Niva Bupa:
- Visit the Niva Bupa website and click on “Travel Insurance”.
- Input your phone number and click on “Get Started”.
- On the next page, select the type of travel, open the travel destination drop-down menu, select Thailand, select the travel dates, and input your email address to “View Plans”.
- Input the traveller details, including the number of travellers and their date of birth.
- Select one of the three plans and choose the sum insured that is suitable for you.
- Fill in the required information and upload the relevant documents to purchase the policy.
Conclusion
While choosing any insurance policy from a reliable insurance provider will not go wrong, not having a specific or reliable insurance plan can lead to confusion and a lack of adequate coverage. By considering the above tips and factors it is possible to choose the right travel insurance for your journey.
So keep the above factors in mind or bookmark this article for future reference so you can travel confidently and safely by securing your trip with the right travel insurance for Thailand.