Travel insurance in Thailand is not to be forgotten
Before we go on holiday from our home countries we would always purchase some form of travel insurance in Thailand and indeed with some countries or some companies, insurance would be compulsory. It therefore seems strange that just because we will live in Thailand we feel it is unnecessary to do the same here. Many of us will travel back to our home countries at least once or year or will travel to other countries for work or pleasure so why do we feel the risks such as lost or damaged property are less likely to happen just because we are travelling from Thailand? You can’t forget travel insurance when you live in Thailand.
Travel insurance is one of the cheapest forms of insurance that we can take out and cover is generally for shorter periods, usually 1 week to 90 days. The cover that you purchase in Thailand will be very similar to that which purchase from your home country. It will cover your belongings and will offer an element of health cover. Again, like with many forms of travel insurance photographs maybe needed of possessions that you specifically want to cover such as computers, jewellery or mobile phones.
Cover notes can be issued almost instantly on completion of an application form and after monies have been sent although fully policy documents can take up to 2 weeks to arrive. Should you be required to make a claim you will probably need to pay first and retain receipts although it is always advisable to speak to the Thai insurance company first before doing this to seek their advice. English is usually spoken in claims departments and you will require you policy number when you call so it advisable to have this available to you at all times.
Inbound insurance i.e. insurance to cover you whilst you are in Thailand is also available from some companies but is usually only available for a maximum of 90 days. This insurance is well worth having although in reality it is better to obtain this from your home country before you travel as claims when you are home may prove difficult. Remember you will be refunded in Thai baht and will need a Thai bank account. If you are a tourist this may be difficult to obtain so again strengthens the argument for taking travel insurance out before you travel.
If travel insurance is something that you are interested in, or indeed any other form of insurance, please contact a member of our team for more details.