With its white beaches, lush jungles and cultural heritage, it’s little wonder Thailand is one of Southeast Asia’s vacation hotspots. 

Holidays can go wrong, though. Which is why the Australian Government recommends travellers get insurance (it’s “as important as a passport”).  

As well as getting cover, you may wish to read our health and safety tips for Aussies travelling to Thailand (below).

Cancellations and delays

Cancellation fees and lost deposits on prepaid travel, accommodation, meals, etc.; and travel delay expenses.

Overseas medical and hospital expenses

Unlimited amount for emergency overseas medical and hospital expenses (excluding pregnancy and childbirth).

Pre-existing medical conditions

Cover for 27 pre-existing medical conditions.

Travel documents, credit cards and travellers cheques

Replacement passport, visas, travel money cards, travellers cheques and credit cards if they're lost, stolen or damaged.

Rental vehicle insurance excess

Any hire-car excess you become liable to pay as a result of the car being damaged or stolen.

Luggage and personal effects

Cost of repairing, replacing or reimbursing you for your belongings if they're lost, stolen or damaged.

Personal liability cover

Legal liability cover in case you accidentally injure someone else or damage or lose someone else's property during your trip.

Cruise cover

Our four international travel insurance policies cover cruises, including those within Australian waters. (Our Domestic policy does not cover cruises.)

Compare all travel insurance policies

Terms, conditions, limits and exclusions apply.

For full details, please read the Product Disclosure Statement.

Health and safety concerns for Thailand

Follow these precautions to stay safe and healthy on your trip to Thailand:

Mosquito-borne diseases

Use insect repellent and mosquito nets to avoid nasty bites that can lead to Malaria and Dengue fever.

Motorcycle accidents

Motorcyclists are most at risk on the road — if your hire a motorbike, make sure you have a valid licence and wear a helmet.

Know the rules — there are heavy penalties for breaking Thailand’s laws.

Tropical storms

Check weather alerts to avoid flash floods in the wet season, which runs from November to March.

Thailand security risks

Smartraveller.gov.au recommends Australians travelling to Thailand exercise a high degree of caution because of the threat of civil unrest and terrorist attack. 

In particular, they advise you to avoid border areas near Cambodia, Myanmar and Malaysia, which are prone to violence, armed conflict, and land mines.

Am I covered for riding scooters
and motorbikes in Thailand?

Budget Direct policyholders can be covered for claims arising from two- and three-wheeled motor vehicles, as long as:

As the driver or passenger:

  • you wear a helmet (irrespective of the law of the country you’re in)

As the driver:

  • you hold a licence appropriate for the country you’re in 
  • if using a motorcycle rated 125cc or higher, you hold a licence for driving the equivalent-rated motorcycle in Australia.

What to do before you leave for Thailand

Reduce the risk of illness, detention or financial loss by following these steps before you depart:

Get Vaccinated

Get
vaccinated

Make sure you’re up to date with your routine vaccinations. And ask your doctor whether there are other diseases in Thailand you need to vaccinate yourself against.

Read more about vaccinations and preventative health

Locate the Australian Embassy

Locate the Australian embassy

Know how to contact the Australian Embassy in Bangkok, in case you end up in a sticky situation.

Ensure you are covered

Ensure you're covered

Make sure your travel insurance is adequate and you’re aware of the policy’s limits and exclusions.

Overseas medical and emergency assistance

Budget Direct travel insurance gives you access to a worldwide, 24/7 network of 75,000+ medical and emergency assistance providers.

These include hospitals, medical centres, air ambulance providers, and air charter companies.

Read more about overseas medical and emergency assistance

Find out more

The information on this page is a summary only. For all the terms, conditions, limits and exclusions, please read the Product Disclosure Statement.

How to make a claim

If your trip didn't go entirely to plan and you need to make a claim, we're here to help. Make a claim on your Budget Direct travel insurance policy.

Frequently asked questions

Does travel insurance cover scooters and motorbikes?

Budget Direct policyholders can be covered for claims arising from two- and three-wheeled motor vehicles, as long as:

As the driver or passenger:

  • you are wearing a helmet (regardless of the law of the country you’re in)

As the driver:

  • you hold a licence appropriate for the country you’re in
  • if using a motorcycle rated 125cc or higher, you hold a licence for driving the equivalent-rated motorcycle in Australia.
Does travel insurance cover rental / hire cars?

All Budget Direct’s travel insurance policies except Last Minute include cover for any rental-car insurance excess you become liable to pay.

The excess is the amount you’re required to pay towards a claim for any loss or damage to the rental car while it’s in your possession (it’s also known as a ‘damage liability fee’).

While it’s designed to limit your financial liability for the loss or damage, the excess can still be as much as several thousand dollars.

Our ‘Rental vehicle insurance excess’ benefit — ranging from up to $4,000 (Essential, Domestic) to up to $6,000 (Comprehensive, Annual Multi-Trip) — can cover most, if not all, of your liability.

(Even if you’re covered by us, you should still read your rental car agreement, so you’re aware of its terms and conditions and any exclusions.)

Which sports and activities does travel insurance cover?

Budget Direct travel insurance includes cover for more than 90 sports and activities and optional cover for more than 12 snow sports.

If I get into trouble overseas, will I be able to get help?

Yes – all Budget Direct’s international travel insurance policyholders get 24/7 access to a worldwide network of 75,000+ medical and emergency assistance providers.

These include multilingual medical and travel specialists, air ambulances and hospitals.

Whether you get sick or injured, lose your travel documents or credit cards, or are robbed, assaulted or arrested, we can get you the help you need.

Note that, if you suffer an illness or injury that requires emergency transportation, hospitalisation or repatriation and/or is likely to cost more than A$500 to treat, you (or someone else on your behalf) must call us as soon as possible.

Read more about our overseas medical and emergency assistance service

Can I get travel insurance if I have a pre-existing medical condition?

Budget Direct travel insurance covers 27 pre-existing health conditions.

See the list of covered pre-existing health conditions.

If your pre-existing medical condition is not one we cover, you can still be covered for claims (including overseas medical and hospital expenses) not related to your condition.

Get a travel insurance quote online