Which insurance is best to buy for a trip to Thailand in 2026 and where to get it cheaper?

The best insurance for Thailand is one that covers active recreation and motorcycle riding, not just a basic "visa checkbox." We recommend buying a policy online on aggregator sites, where you can compare prices from dozens of insurance companies in a couple of minutes. The optimal coverage amount is from $50,000, as medical care in Thailand is expensive. And if you want to save money, there is a life hack: you can get free annual insurance with a subscription to some bank cards, for example, T-Bank.

Here is what you must pay attention to when choosing a policy:

• Coverage amount. Do not take less than $50,000. Treatment for a fracture or serious illness in a Thai private clinic can cost tens of thousands of dollars.
• Deductible. If you are just going to lie on the beach, you can take a policy with a deductible (cheaper). For active recreation, it is better without a deductible.
• COVID-19 coverage. Make sure that treatment for coronavirus is included in the policy. In modern insurance, this is already standard.
• "Active recreation" and "Motorcycle riding" options. Be sure to check these boxes when searching if you plan to ride a bike, go trekking, or diving. Basic insurance from a tour package most often does not cover such cases.

Where to buy insurance online? We use three trusted services:

And now — a life hack on how to get insurance for free for a whole year. Many banks give extended travel insurance worldwide when you apply for premium cards or subscriptions. We ourselves use the T-Bank All Airlines card. With it, we get free insurance every year that includes active recreation and even motorcycle riding.

We have detailed all the nuances of choosing insurance in our reliable and honest guide. We recommend reading the full article: Insurance for Thailand: where to buy, how much it costs, and how to get it for free.