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FAQ about travel insurance
What is travel insurance?
Travel insurance is a type of insurance policy that provides financial protection and reimburses you for money you lose from non-refundable deposits and payments when something goes wrong when you're traveling or on holiday. It covers a range of possibilities, from lost luggage to the cost of medical care if you become ill or have an accident.
How important is travel insurance for traveling to Thailand?
During your stay in Thailand, you may get sick, get injured in an accident, lose your belongings, or encounter problems. So, travel insurance can make it easier for you to solve these issues. If you have travel insurance, you will be able to travel in Thailand easily.
Travel insurance will cover the following:
- Coverage for death and disability
- Coverage medical expenses of illness
- Coverage medical expenses of accident injury
- Coverage the cost of medical evacuation emergency patients back to the country
- Repatriation of mortal remains to country of domicile
- Coverage for lost travel documents or passport
- Aircraft delay or flight cancellation
- Public liability
Therefore, we recommend that you should purchase travel insurance before entering Thailand.
How do I book travel insurance in Thailand?
If you are looking to purchase travel insurance in Thailand, Rabbit Care is the number one insurance brokerage from Thailand that can provide you with travel insurance from our trusted partners and exceptional service from our English-speaking agents. You can contact our Care Center at 1438 or apply for travel insurance online with just a few clicks.
Why should you buy travel insurance in Thailand via Rabbit Care?
You should purchase travel insurance via Rabbit Care for the following reasons:
- Rabbit Care is a reliable insurance brokerage company.
- Rabbit Care offers travel insurance from leading companies.
- All insurance plans have coverage for COVID-19 treatment not less than 50,000 USD according to the conditions set by the government.
- You can easily buy insurance with multiple payment methods.
- We have English-speaking staff available to assist you 24/7.
What is typically covered by travel insurance?
Travel insurance can cover a wide variety of issues that impact your trip, but the exact details on the coverage will largely depend on the type of policy you purchase. Typical travel insurance benefits include coverage for medical expenses from accident and sickness, loss of life from accidents, trip cancellation, lost or damaged baggage, baggage delay, travel delays and more.
How many days does the travel insurance cover?
The travel insurance that you can purchase now offers coverage for up to 30 days. The insurer can choose the coverage date based on the travel date. For more information, please contact us at Care Center 1438, where our staff is available 24/7 to service you.
Does travel insurance cover COVID-19?
Due to the global coronavirus pandemic, the Thai government has announced that tourists must purchase travel insurance that covers the cost of treatment for COVID-19. If you purchase travel insurance via Rabbit Care, you will be covered for COVID-19 treatment in the amount not less than 50,000 USD. In addition to the cost of treatment for COVID-19, you will also get treatment for other illnesses.
What happens if I get COVID-19 in Thailand?
Regulations surrounding COVID-19 in Thailand have relaxed. Patients with mild cases of COVID-19 are being treated like those suffering from a common cold. If you test positive for COVID-19 and have mild symptoms or are asymptomatic, Thai authorities recommend that you self-isolate for seven days. After that period, those who no longer have symptoms can go out provided they take extra precautions to ensure they do not infect others.
If you have health insurance and need medical treatment for more severe symptoms, you can receive medical treatment at a hospital and get reimbursed according to your policy.
What happens if I need medical treatment while traveling in Thailand?
Those who have purchased travel insurance in Thailand can receive medical treatment at both in-network or out-of-network hospitals. Normally for in-network hospitals, you can present the insurance policy to the hospital and there will be no advance payment required. For out-of-network hospitals, you may need to pay out of pocket first and submit a claim later. Please check your policy to find the list of in-network hospitals.
What is the claim process?
You can submit a claim form to your insurance provider through the contact channels listed in the policy, which can be mail, email, or fax. You will also need to submit documents according to the matter of claims. For example, a medical claim will require a physician’s report stating the symptoms, diagnosis and the treatment given and the original receipt of the medical bills.
Typically, the insurance provider will pay for the reimbursement within 15 days after the receipt of completed claim form and required documents.
What if my visa application is rejected? Can I request a refund?
Normally in such cases, the travel insurance policy will be canceled with a full refund.
What is not covered by travel insurance?
There may be some exclusions in the travel insurance policy you purchase. So, it is highly recommended that you read your policy thoroughly. For example, a travel insurance policy could have medical coverage but exclude pre-existing conditions. Also, high-risk activities such as mountain climbing may not be covered and you may not be covered if you are under the influence of alcohol or addictive substances.
What is Thailand Pass?
Thailand Pass is an online registration system for foreign travelers to fill in their travel and health information such as flight details, hotel accommodation, vaccination status and insurance before arriving in Thailand. However, from 1 July 2022, Thailand Pass is no longer a requirement for entering the country.
While Thailand Pass and medical insurance covering COVID-19 is no longer required. It is still recommended for all travelers coming to Thailand to purchase travel insurance since testing positive for COVID-19 is still a possibility and it is better to be insured if something like that were to happen.
Is a Thailand Pass still required to enter Thailand?
From 1 July 2022, travelers visiting Thailand do not need to apply for a Thailand Pass before entering the country and only need a valid passport and a certificate of COVID-19 vaccination. Unvaccinated/not fully vaccinated travelers who have proof of a negative result from an RT-PCR test or professional ATK within 72 hours of travel will also be allowed entry.
Although Thailand has shifted into post-pandemic mode, thousands of people are still catching COVID-19 each day. So, it is still recommended for all travelers coming to Thailand to purchase travel insurance to prepare for unexpected circumstances.
What is the recommended medical insurance for Thailand Pass registration?
While Thailand Pass is no longer a requirement to enter Thailand. You may still be benefited from having a travel insurance in Thailand that covers COVID-19-related cost as shown below:
- Medical expenses coverage of 10,000 USD minimum.
- Hospital isolation.
- Your insurance policy must be valid for the entire duration of your stay in Thailand.