Thailand Travel Insurance

Travel Insurance for Thailand

Thailand is a fantastic year-round travel destination that's just a short 4-hour flight away. From Bangkok's lively streets to Chiang Mai's temples and Phuket's islands, the country's welcoming culture and direct flights from India have made it a popular destination. With so much to explore, having Thailand travel insurance for your adventures adds a layer of ease and assurance to your plans.

It ensures you're covered for any trip emergencies that come your way. These can be common situations, such as losing your passport while visiting busy places like the Chatuchak Weekend Market or the Pratunam Market in Bangkok. If that happens, we'll guide you through the next steps to get a new passport.

Another frequent issue is delayed checked-in baggage. Let's say you arrive at Suvarnabhumi Airport, but your luggage is delayed. In this case, you can file a claim and receive a payout to buy essentials like clothes and toiletries, so your trip stays comfortable, even if things don't go as planned.

And that's just the start. With IndusInd travel insurance (formerly Reliance travel insurance), you're covered from the moment you board your flight to the time you return home. Claims are easy to file on the go via the IndusInd Insurance app, so whether it's a lost passport or a baggage delay, help is always just a tap away.

Why 8 Crore+ Policyholders Choose Us?

Exploring Thailand should be all about unforgettable moments, not unexpected expenses. IndusInd Thailand Travel Insurance (formerly Reliance Thailand Travel Insurance) provides affordable and dependable coverage designed to protect your journey every step of the way.

Benefits of Buying Thailand Travel Insurance

Cashless Medical Coverage

Bangkok's known to have some of the best street food! But if the food doesn't agree with you and you need to visit the hospital, your medical bills are covered. We offer cashless medical coverage of up to USD 500,000* (and USD 500* for emergency dental treatments). Meaning all you need to do is submit your policy at the front desk, and we take care of the rest! This coverage applies to all certified hospitals in Thailand.

24/7 Emergency Cash Support

A lost wallet after a fun night out in Thailand's Chinatown or one of its famous night markets can quickly derail your travel plans. But worry not! We offer emergency cash up to USD 300.* This support is available 24/7, so you can call us anytime you need help. This benefit ensures you have enough on-hand cash for food, transport and accommodation so you can continue your exploration of Thailand.

Flight Delays & Connecting Flights

Airports like Suvarnabhumi and Phuket International can get busy during festivals like Songkran. So, if your flight gets delayed, we've got you covered. We cover flight delays over 12 hours up to USD 60 per day*. This coverage can also come in handy if your next connecting flight from Thailand gets pushed unexpectedly.

Lost Baggage Support

Let's say you arrive at Bangkok, but your luggage doesn't, and the airport staff informs you that your luggage is delayed. In this situation, you will get up to USD 100* for checked-in baggage delays that exceed 12 hours. If your luggage is lost, you get up to USD 1500*. This can help you buy essentials like clothes and toiletries.

Personal Liability

Traffic in cities like Bangkok, Chiang Mai and Hat Yai is known to be quite severe, especially during peak hours. So if you're renting a car and accidentally scratch a parked scooter or hit a street vendor's cart, our personal liability cover has you covered. We cover up to USD 200,000*, so you don't pay out of pocket.

Loss of Passport

Moving between Thailand's famous islands or cities? - Switching between taxis, ferries, trains, and tuk-tuks often increases the risk of losing your passport along the way. That's why we cover up to USD 300* to help you get a replacement passport. This includes reissue-related costs in Thailand.

Key Features of IndusInd Thailand Insurance

Individual Travel Plan

IndusInd Thailand Travel Insurance provides all-around protection for your trip against a range of disruptions. Our individual travel plan offers comprehensive protection for one traveller, so it's a great addition to any solo trip to Thailand. Here are the key features and coverage limits of this plan that make it a standout choice.

Family Travel Plan

Why buy 4 separate plans when you can buy one plan to cover your family of 4! Our family travel insurance plan offers coverage up to $250,000*, and this coverage is shared among all family members. This makes policy handling and claims processing a lot easier since you'll just be using one plan to cover your entire family during your trip.

Note: Please refer to the official policy documents for detailed information linked here.

IndusInd Thailand Insurance: Inclusions & Exclusions

Note: Please refer to the official policy documents for detailed inclusions and exclusions.​

How to Buy IndusInd Thailand Travel Insurance?

Purchasing IndusInd Thailand Travel Insurance is a simple and quick process. You can easily buy the policy online in just a few clicks before your trip. Just follow these steps

Select Trip Type

Scroll up to the form on top and select your travel purpose.

Enter Your Details

Enter your travel dates, DOB and choose Thailand as your destination.

Compare & Select

Check the plans and choose the one that best suits your needs.

Complete KYC

Enter your phone number and complete the online KYC process

Pay & Get Policy

Pay online and get your Thailand travel insurance plan instantly via email.

How to Claim IndusInd Thailand Travel Insurance

Note: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support.

Types of Visas for Thailand

Thailand offers various types of visas depending on the purpose and duration of your stay. From tourist and business visas to education and retirement options, each visa serves a specific travel need:

Tourist Visa

Ideal for leisure travel, valid for 3-6 months & for stays relating to medical treatment up to 60 days. This visa is available for single and multi-entry purposes.

Non-Immigrant Visa

Suitable for business, education or family visits, valid for up to 12 months or 3 years for business. Extensions are available, but they're granted on a case-by-case basis.

Long-Term Resident Visa

For global professionals or retirees, it allows multiple entries over 10 years with 1-year stays. Remote workers with overseas income are tax-exempt under this visa.

SMART Visa

Designed for skilled professionals and investors, valid for 1-4 years with 1-year stays per visit. Applicants need to register and apply through the SMART Visa portal.

Destination Thailand Visa

For digital nomads, remote workers, and participants in activities such as Thai Boxing, seminars, and medical treatment. Valid for 5 years with multiple entries.

Airport Transit Visa

For layovers in Thailand, valid for 3 months with a 30-day stay. This visa isn't required for layovers of less than 12 hours, and if you don't plan on leaving the transit area.

Embassy Contact Details: India and Thailand

Best Time to Visit Thailand

Planning your trip to Thailand begins with choosing the right season to make the most of your travel experience. Here is an overview of the best time to visit the Land of Smiles for everything from sightseeing to relaxation:

November to March

What to Expect: Cool, dry weather (25–30°C) with clear skies, perfect for outdoor fun.
Perfect for: First-time travellers, family trips, beach holidays and water sports.

Tourist Flow: Heavy

Flights and Hotel Rates: Highest during this period

Return Airfare from India (Approx): ₹18,000–₹30,000*

Keep in Mind: Book flights and hotels early to avoid peak rates.

April to June

What to Expect: Highs of 35°C, summer showers and Songkran (water festival) in mid-April.

Perfect for: Budget travellers, festival lovers, spa breaks and temple visits.

Tourist Flow: Moderate

Flights and Hotel Rates: May spike briefly during this time

Return Airfare from India (Approx): ₹15,000–₹22,000*

Keep in Mind: Stay hydrated and wear light clothing since it's hot.

July to Oct​​ober

What to Expect: Rainy season brings lush views, fewer tourists and the lowest travel costs.

Perfect For: Budget travellers, offbeat explorers and travellers seeking indoor experiences.

Tourist Flow: Very low

Flights and Hotel Rates: Deeply discounted

Return Airfare from India (Approx): ₹12,000–₹18,000*

Keep in Mind: Frequent rain, limited outdoor activities.

Interesting Facts About Thailand

1. Island Paradise - Thailand is also known as an island nation. The country is home to over 1400 islands.
2. Elephant Conservation - The elephant is Thailand's national animal. Many sanctuaries focus on their protection.
3. Buddhist Nation - Around 95% of Thailand's population follows Buddhism. There are over a thousand temples across the country.
4. World's Largest Gold Buddha - Bangkok's Wat Traimit temple has a massive 5.5-ton pure gold Buddha statue.
5. Spiciest Cuisine - Thai food is renowned for its bold flavours. Dishes like Som Tam and Tom Yum rank among the world's spiciest.
6. Red Bull Origin - The famous energy drink Red Bull was inspired by Thailand's local beverage, "Krating Daeng".
7. Smallest Mammal - Thailand is home to the smallest mammal, the Bumblebee bat and the largest fish, the Whale Shark.
8. Floating Markets - Thailand's famous floating markets, like Damnoen Saduak, offer a unique way to shop from boats.
9. Songkran Festival - Thailand celebrates its New Year in April. This festival is the world's biggest water fight, symbolising cleansing and renewal.
10. Cobra Whiskey - You can find a unique Cobra Whiskey cocktail in some bars in Thailand. This drink is made by steeping a real cobra in whiskey.

Essential Apps for Your Thailand Trip

Translation

English isn't commonly spoken in Thailand, so you'll be using translation apps a lot. Apps like Google Translate, Thai2English, Bulk Look Up, Language Translator By Mate (for iOS users only), are highly recommended.

Accommodation and Hotel Booking

Hotel booking apps like MakeMyTrip, Ixigo and Booking.com are popular options among travellers who frequently visit Thailand. You can also go for Airbnb if you want a more immersive trip experience.

Navigation

When it comes to navigation apps in Thailand, Google Maps works great for commutes within cities like Bangkok since it has the fastest updates. If you're driving long distances, Waze is better as it also has alerts for speed cameras.

Transport

If you're taking local transport in Bangkok, go for Momego or Transit Bangkok; if you're travelling between cities, there's 12Go. You can also use ride-sharing apps like Grab, Bolt and inDrive, since they're cheaper than private taxis.

Sightseeing and Events

Many temples, parks, and museums offer free or discounted entry on select days. You can check Google Maps listings, websites like Klook, the Thailand tourism website or local travel blogs to find updated information.

Food Delivery

Apps like Grab, Lineman, Food Panda, Robinhood (iOS & Android) are the go-tos in case it's too hot to go outside and you want to order in. Tuk (Chiang Mai) and Aroi Dee (Phuket) are also great options if you're staying outside Bangkok.

Key Takeaways

Thailand continues to be a favourite among Indian travellers, thanks to its rich culture, affordable experiences and now, convenient e-visa access and even Visa on Arrival for up to 15 days.

But even quick trips to Thailand can cause a lot of stress if issues like lost luggage and flight delays occur in an unfamiliar place. That's why it's important to insure your trip, no matter where you're travelling to. In fact, with 37% of flights experiencing delays globally in 2024, more Indian travellers are now prioritising protection. Travelbizmonitor also noted an 18.95% surge in travel insurance sales in Q1 2025, to support this trend.

And that's where IndusInd Thailand Travel Insurance (formerly Reliance Travel Insurance) steps in as your trusted companion. With our digital approach, you can download your travel insurance policy and save it onto your phone using the IndusInd Insurance app, so you can always contact us for any assistance.

With premiums starting at just ₹306*, you get dependable coverage that includes cashless coverage of medical expenses up to $500,000*, trip delay and flight cancellation benefits, lost passport assistance and dedicated worldwide customer support.

Whether you're travelling solo, with friends, or on a family vacation, this plan helps you focus on what matters - making memories, not managing mishaps.

From Chiang Mai hikes to Krabi dives, you stay protected with IndusInd Thailand travel insurance. We ensure your trips remain care-free while we handle the what-ifs!

View Plans

FAQ On Thailand Travel Insurance

Is Thailand travel insurance mandatory?

Travel insurance isn't mandatory for Thailand, but immigration officials highly recommend getting one. This is because the currency conversion rate between the Rupee and Thai Baht (฿1 → ₹2.65; approx) can result in you having to spend more in case of a trip emergency, like a flight cancellation, where you'd need a refund on tickets.

Note: The given currency conversion rate was taken on 16/07/2025, at 4:00 pm IST and is subject to change. Please ensure you check the current Rupee to Thai Baht conversion rates here before proceeding.

What are the new entry rules for Thailand?

From May 2026, Indians can enter Thailand via Visa on Arrival for up to 15 days. Additionally, all foreign nationals must have a digital arrival card 3 days before arrival.

You can apply for your digital arrival card on the official Thailand TDAC portal. You'll need your passport details and your trip details, like your accommodation information. You may also need to add your health status if you're travelling to Thailand from select countries or if your flight is listed by the Ministry of Public Health. You can check the list of countries that require this information on the Thai MOFA website. So, you will only need to present your health status if you're transiting from one of the countries on that list.

How much d​​oes travel insurance for Thailand cost?

Our Thailand travel insurance plans start from ₹306*. Your total policy price is determined by taking into account factors like how much coverage you need, the duration of your trip and how many people you're travelling with.

Several elements determine how much you'll pay for your travel insurance policy. Understanding these can help you choose the right coverage without compromising your budget:

• Destination: Countries with high healthcare costs, like Thailand, tend to have higher premiums.
• Age of Traveller: Senior Citizens (over 61 years) are considered higher risk, which usually increases premium amounts.
• Trip Duration: Longer trips mean longer coverage periods, which can raise the cost of your policy.
• Type of Plan: Comprehensive plans or those with higher sum insured limits result in higher premiums.
• Number of Travellers: Family or group policies have different pricing compared to individual plans.

What are some ke​​y tips to remember when travelling to Thailand?

Keep these simple tips in mind to make your journey smoother, safer and more enjoyable from start to finish:

• Respect temple etiquette, dress modestly and remove shoes when required.
• Use local currency for small purchases and always carry change.
• Keep digital and physical copies of important documents (passport, visa, Thailand travel insurance).
• You can either enable international roaming on your SIM or buy a Thai tourist SIM at the airport or a convenience store. Getting them from providers like AIS, TrueMove H, DTAC and Nomad eSIM is a cheaper way to stay connected throughout your trip.

What essentials should one pack for travelling to Thailand?

As a general rule, take twice as much cash and half as much clothing, since you can always use the laundromats nearby or take advantage of your hotel's laundry services if they offer them. Ideally, you want to avoid overpacking, but here are some essentials to keep on hand during your trip:

• Thailand uses Type A and C power sockets, so pack a universal adapter.
• Bring a first-aid kit and any required prescription medicine.
• Pack swimwear and beach gear if visiting islands like Phuket, Koh Phi Phi, Koh Tao and Koh Chang.
• Carry light clothing, sunscreen, mosquito repellent and reusable water bottles.

What safety precautions should one follow when travelling to Thailand?

Staying alert and following these basic safety guidelines can make your visit to Thailand safer and more enjoyable:

• Store your passport, Thailand travel insurance and other travel documents safely.
• Save local emergency numbers:
• Police: 191
• Ambulance: 1669
• Tourist Police: 1155
• Tourism Helpline: 1672
• Follow traffic rules, especially when renting cars, scooters or bikes.
• Know local laws and customs to avoid fines or legal trouble.

What are some ways to save money when travelling to Thailand?

These budget-friendly tips will help you explore Thailand affordably without missing out on key experiences:

• Use public transport like buses, metros, tuk-tuks or apps like Grab and Bolt instead of private taxis.
• Choose budget-friendly apps like MakeMyTrip or Booking.com, as they often offer cheaper price listings.
• Travel during the off-season (April to October) for lower airfares and hotel rates.
• Set Google Alerts for flight and hotel deals, or check platforms like Klook for discounts.
• Look for free or discounted entry to temples, parks and museums (check their official websites) since they do offer those on select days.

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