Which insurance coverage should you choose for a trip to Thailand to ensure it actually works?

For a trip to Thailand, it is best to choose insurance with coverage of at least $50,000 and mandatory inclusion of the "active recreation" and "motorcycle riding" options. Basic insurance, often provided in tour packages, will not cover treatment if you fall off a bike, get burned by coral, or sustain an injury while trekking. And treatment in Thai clinics, especially private ones, is very expensive — tens of thousands of dollars even for the simplest injury.

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

• Sum insured. Minimum $50,000. For serious surgeries and hospitalization, better $100,000.
• Deductible. If you plan only a beach holiday, you can take a policy with a deductible (cheaper). For active recreation — only without a deductible.
• COVID-19 coverage. Make sure that treatment for coronavirus is included in the coverage. In modern policies, this is already standard.
• "Active recreation" option. Be sure to check this box if you plan to ride a scooter, go snorkeling, diving, trekking, or even rent a bicycle. Without this option, the insurance company will refuse to pay out in case of injury.
• Motorcycle riding. Often a separate note is required that you have the right to drive a vehicle. And you definitely need a license with category "A", otherwise insurance will not help.

The most convenient way to buy insurance is to use aggregator websites. They allow you to compare prices and conditions of dozens of insurance companies in 10 minutes. We recommend trusted services: Cherehapa.ru, Sravni.ru and Tripinsurance.ru. There you can fine-tune options and find the best price option.

By the way, there is a life hack on how to get an annual travel insurance absolutely free. Many banks give it as part of subscriptions or when issuing premium cards. For example, with T-Bank's 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 complete and honest guide: Insurance for Thailand: where to buy, how much it costs, and how to get it for free.

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