Whether you’re a traveler in Thailand already and forgot to buy travel insurance, or you’re an ex-pat needing quick quotes for health insurance to cover you for COVID-19 coronavirus medical treatment or to meet the health insurance requirements for the O/A (retirement) visa in Thailand, here’s a couple of services you might find very handy.
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Instant Expat Health Insurance in Thailand Quotes
On MisterPrakan.com you can get instant quotes for ex-pat health insurance, accident insurance, home, travel, car and motorcycle insurance in Thailand.
Regarding the treatment of coronavirus, I asked Mister Prakan if existing and new health insurance policies cover foreigners for the treatment of coronavirus in Thailand.
“All health insurance policies cover – coronavirus treatment. All new policies taken out will also cover the treatment of coronavirus. Should you buy – it will be covered. Only pre-existing conditions will not be covered”
And how must you wait before you can make a claim?
“Different for some insurance companies, with companies like LUMA, April. Axa – you are covered for illness on day 1 as long as it’s not a pre-existing condition. For Pacific Cross, LMG etc. – illness is 30’days waiting period, day 1 coverage for accidents”
Buy Thailand Travel Insurance, After You Left Home.
If you did not buy travel insurance before you left home, don’t worry. You can buy travel insurance in Thailand. Buying travel insurance for your vacation in Thailand is a good idea. Unfortunately for many tourists in Thailand, buying travel insurance becomes a good after-thought, one which they dwell on while laying in a hospital bed recovering from a mishap or accident for which they now have to pay.
Travel Insurance Coverage of Coronavirus in Thailand!
While the COVID-19 coronavirus pandemic has underlined the importance of having travel insurance, it has also highlighted the need to thoroughly inspect the details of your policy.
After reading several articles about travel insurance coverage of COVID-19 coronavirus, I can only tell you there’s a very good chance that your travel insurance might not cover you for anything related to COVID-19 in Thailand.
Your travel insurance might cover medical treatment if you become infected with COVID-19 coronavirus in Thailand, but not cover trip cancelation. Things like traveling to Thailand when your government or the World Health Organisation recommend you avoid non-essential travel could mean your travel insurance is void.
Some travel insurance companies might cover you, for example, if you purchased insurance, and booked your trip before events like coronavirus became a known risk, and occurrences such as pandemics are included in the cover.
It’s usually very difficult to find a travel insurance company which will insure you after you arrive in Thailand. Most travel insurance companies insist that you purchase travel insurance in your country of origin before departing for Thailand, which most people do. But many people simply overlook it or assume they are not going to need it.
If you forgot to buy travel insurance before you left home, take a look at World Nomads travel insurance plans. They are a reputable company, endorsed by numerous travel-related websites including Lonely Planet.
Read the small print
The importance of reading the small print and terms and conditions of travel insurance policies are also highlighted in this article about hiring a motorcycle in Pattaya. It sometimes takes quite an effort to read through and understand the nitty-gritty details of insurance policies, but if you want to engage in activities such as hiring a motorcycle or extreme sports and activities, you really must read the small print.
Travel Insurance for Extreme Sports and Activities in Thailand
The fact is, Thailand is not all about beaches, temples, and nightlife. There’s a wealth of easily accessible and affordable activities and pastimes in Thailand. Places like Pattaya offer an ever-growing number of affordable extreme sports and activities. Most sports and activities are covered by World Nomads travel insurance. You can find a handy list of all inclusions and exclusions on the website.