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Travel insurance for Thailand

4.8
App store rating
300k
Aussies covered
24/7
Emergency assistance
Remember:

Find the right cover for your trip

Whether you're exploring Thailand's elaborate temples, fragrant markets or tropical terrain, all our overseas plans include medical expenses cover, your choice for trip cancellation cover and varying luggage cover limits as standard.

budget

Essentials

Just the basics.
Overseas medical expenses
$Unlimited~
Overseas emergency evacuation & repatriation
$Unlimited~
Cancellation
$3,000
(or cover chosen)#
LuggageΔ
$5,000^
Travel delay
$500^
Rental vehicle excess
COMPREHENSIVE

Explorer

The all-rounder.
Overseas medical expenses
$Unlimited~
Overseas emergency evacuation & repatriation
$Unlimited~
Cancellation
$5,000
(or cover chosen)#
LuggageΔ
$10,000^
Travel delay
$2,000^
Rental vehicle excess
$5,000
COMPREHENSIVE +

Explorer Pro

Fully loaded.
Overseas medical expenses
$Unlimited~
Overseas emergency evacuation & repatriation
$Unlimited~
Cancellation
$10,000
(or cover chosen)#
LuggageΔ
$15,000^
Travel delay
$3,000^
Rental vehicle excess
$10,000
budget
Essentials
Just the basics.
Cancellation
$1,000
(or cover chosen#
Additional expenses
$10,000^
LuggageΔ
Special events
Rental vehicle excess
COmprehensive
Explorer
The all-rounder.
Cancellation
$2,000
(or cover chosen)#
Additional expenses
$10,000^
LuggageΔ
$5,000^
Special events
$1,500^
Rental vehicle excess
$5,000
COMPREHENSIVE +
Explorer Pro
Fully loaded.
Cancellation
$3,000
(or cover chosen)#
Additional expenses
$10,000^
LuggageΔ
$10,000^
Special events
$2,000^
Rental vehicle excess
$8,000

~ Medical and dental cover will not exceed 12 months from onset of the illness or injury.
#The level of cover applies per policy.
^Limits, sub‑limits, conditions and exclusions apply.
*Liability collectively for Sections 12. Accidental Death, and 13. Disability is $25,000 on the Explorer plan, and $30,000 on the Explorer Pro plan.
ΔItem limit applies for any one item, set, or pair of items including attached and unattached accessories.

Helpful Tip:
Remember:

Planning to ride a scooter in Thailand – as a driver or as a passenger? To get coverage, you must add our Motorcycle and Moped Riding Trip Extra to your base policy for all the days that you’re riding and meet the requirements set out in the PDS.

Customise your Thailand cover with Trip Extras

Build on your Thailand travel insurance plan by adding Trip Extras to get pay-per-day cover for activities like motorcycle riding, cruising and adventure sports, as well as increased limits for your valuable items and extra cancellation cover.

Why Australians love visiting Thailand? 

Thailand offers travellers a tantalising blend of cultural heritage, breathtaking natural beauty and wonderfully fragrant cuisine.

The dry season is the country’s peak period for visitors – and is an ideal time for outdoor activities and island-hopping in the south. Wet season brings slightly cooler temperatures and sees the rainforest come alive with greenery, waterfalls and wildlife.

Thailand is one of few remaining countries where you can see a tiger in the wild, as well as elephants, leopards, gibbons and hornbills!

Whether you're planning on exploring ancient temples in Bangkok, indulging in traditional massage therapies in Chiang Mai or hitting up festivals like Songkran, it’s a good idea to consider travel insurance for your trip.

Freely’s overseas plans offers a range of benefits for your trip to Thailand, including medical and emergency dental, emergency evacuation, trip cancellation and amendment, COVID-19 and lost, stolen or damaged luggage.

How to get to Thailand from Australia

Thailand is a popular destination for Australian travellers. You can jump on a direct flight from major cities like Sydney and Melbourne to Bangkok – the country’s capital – and to Phuket – its largest island.

Depending on your departure city, the flight from Australia can take anywhere from 8 to 10 hours, or a little longer if you have a stopover. Budget airlines Jetstar, Scoot and AirAsia offer regular flights to Thailand, as do Qantas and Thai Airways.

Australian passport holders are eligible for a visa exemption when travelling to Thailand for tourism purposes for up to 60 days on arrival. For the latest travel information, be sure to check the Australian Government Smartraveller website.

Why travel insurance matters for Thailand

Although Thailand is relatively safe for tourists, travelling the country’s hundreds of islands still gives rise to all sorts of risks.

Thailand has one of the highest rates of road accidents in the world, with motorbike riders being particularly vulnerable. Because crowded tourist spots are so packed, it can be easy for belongings to be stolen or pickpocketed, and the country also has diseases such as rabies, malaria and Dengue fever.

Having travel insurance for Thailand can offer a layer of protection against the financial fallout of any incidents like this on your trip.



Importantly, if you plan to hop on a moped while in Thailand, it’s a good idea to consider the right travel insurance policy. Freely’s Motorcycle & Moped Riding Trip Extra offers cover for this activity in Thailand, but you must add this to your base policy at an additional cost for all the days you plan to ride – as the driver or passenger.

For more detail, be sure to read the PDS.

Why do I need travel insurance for Thailand?

Thailand is one of Australia's most visited destinations - beaches, temples, street food, islands and incredible value. If you need medical help - whether you're in Bangkok or on a remote island - Freely's 24/7 emergency team can help coordinate care. Freely can also help with trip cancellation, lost luggage and common disruptions, depending on your plan and circumstances. Full terms and conditions are set out in the PDS.

Top tips for travelling in Thailand

Here are some helpful tips to consider ...

1

Consider extra cover if you’re riding a moped in Thailand

If you plan on renting a moped or motorbike in Thailand – or even riding one as a passenger – you need to add our Motorcycle and Moped Riding Boost to your base policy for all the days you’ll be on the bike in order to be eligible for cover. You also need to meet all the requirements set out in our PDS.

2

Respect the local laws and customs

Some tourists get a little overexcited in Thailand and tend to forget about local laws and customs – and disrespecting these can get you in big trouble. Follow the road rules, never drink and drive, be mindful not to step on religious offerings, don’t take photos of people without asking and be respectful of sacred spaces such as temples.

3

Take precautions against traveller's diarrhoea or Bangkok belly

Don’t drink from the tap – stick to filtered or bottled water instead. Sanitise and wash your hands regularly. You can also take a natural probiotic like Travelan as a preventative supplement to get your guts in good shape before you go. If the worst happens and you succumb to the sickness, take activated charcoal tablets, stay hydrated and get plenty of rest.

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Why choose freely

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Only pay for the extra cover you need on the days you actually need it.

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Update your policy on your trip so you can embrace travel spontaneity.

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Get 24/7 access to our medical and emergency specialists.

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Thailand travel insurance FAQs

What happens if there’s a natural disaster in Thailand?
I want to rent a scooter, moped or motorbike in Thailand. Will this be covered?
Does Freely offer medical cover in Thailand?
Will you fly me home if I get sick or injured in Thailand?
Will I be covered in Thailand if I am under the influence of drugs or alcohol?
What does Freely cover in Thailand?
Am I covered for a scooter accident in Thailand?
Can I buy or extend my Freely policy while already in Thailand?
Does Australia have a reciprocal health agreement with Thailand?
What activities in Thailand need additional cover (Trip Extras)?
What happens if my trip to Thailand is cancelled or disrupted?
What should I do if I have a medical emergency in Thailand?