Which insurance to choose for a trip to Thailand to cover active recreation and motorcycle riding?

For a trip to Thailand, it is best to choose an extended insurance policy covering active recreation and motorcycle riding. The standard policy often included in a tour package will not cover treatment if you fall off a scooter or get injured while snorkeling. The optimal insurance amount is from $50,000, as medical care in Thailand is expensive.

Here is what you must pay attention to when choosing:

• Active recreation and motorcycle. Make sure the policy includes separate options for "Active recreation" and "Motorcycle riding." Without them, the insurance will not work if you fall off a bike or get injured in the jungle. Important: if you do not have a category "A" license, insurance in case of a motorcycle accident will be useless.
• Insurance amount. Do not take less than $50,000. A serious operation or hospitalization in Thailand 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 (for example, you pay the first $50 yourself) — it is cheaper. For active recreation, it is better without a deductible.
• COVID-19 coverage. Make sure that treatment for coronavirus is included in the coverage — in modern policies this is already standard.

The most convenient way to buy insurance is to use online aggregators. They allow you to compare prices and conditions of all leading insurance companies in 10 minutes. We recommend these trusted services:

By the way, there is a life hack on how to get an annual travel insurance for free. Many banks give it as part of a subscription or when applying for premium cards. For example, with the T-Bank All Airlines card, you can get free insurance every year worldwide, which includes active recreation and motorcycle riding. Read more about this and other nuances of choice in our article.

You can learn more in our reliable and honest guide in the article Insurance in Thailand: where to buy, how much it costs and how to get it for free. There we detailed all the pitfalls and working schemes.

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