Are you traveling to Thailand? Sure, it is a great place for the tourists, and you have made perfect plans for the trip by booking flights, accommodation, and packing in advance. But, have you got travel insurance? You might wonder why you would need insurance as you are just going for a holiday that will last only 15 days. In such a short span of time, ther’s little chance of getting sick or meeting up with any sort of accident.
But are you 100% sure? No one can be. That’s why it is better to remain safe and get a travel insurance plan in Thailand.
You might argue that Thailand provides cheap hotels, entertainment, food and clothes, so the medical expenses must be less too. It is true that the medical expenses are less, but if you land up in the hospital, you still have to spend a quite large amount for quality care. Thailand hosts excellent medical and health care facilities and medical expenses are definitely cheaper than in western countries, but the cost for care is still quite high. For example, minor medical attention in a clinic for some stitches cost around 700 Baht to 1200 Baht, which is about $20 to $30. In case of major medical attention, where hospital admission is required, then the cost could rise up to 30,000 baht and above for diagnostics, hospital and medicine charges. This is quite expensive and therefore, it is better to have a travel insurance plan before you visit Thailand.
In the case of major medical ailments, having a travel insurance plan in Thailand can be a great help. Most of the travel insurance policies cost around 700 Baht to 1200 Baht for a trip of two weeks in Thailand. This is quite a reasonable cost with potential benefits such as major medical expenses and flights for your return journey. In case you are hospitalized, some companies also provide benefits of arranging a flight for a family member to travel home with you. Other benefits of travel insurance plans include coverage for changes in tour plans, cancellation of the trip, loss of baggage, etc. Nobody wishes to be ill or sick, but having travel insurance definitely provides peace of mind for unforeseen circumstances.
It is also essential to check the details of the policies before choosing one. The policy that you choose must cover medical treatment and emergency flights to your homeland, at the very least. There are certain eventualities that many policies do not provide any coverage for, such as injuries during activities like white-water rafting, trekking, and golfing. Therefore, it is important that you check out the policy details very carefully and then select the most suitable option.
Here are some of the most important aspects that you should look out for in your Thailand travel insurance plan:
-medical cover that includes emergency flights back to home
-enough coverage for cancellation and curtailment of the trip
-coverage for personal belongings
-personal liability cover
-a proper helpline and easy access to support