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Luma Asia Pass
In partnership with LUMA, Pacific Prime offers LUMA Asia Pass, a regional travel insurance policy for travellers visiting Thailand and other destinations across Asia. The plan provides coverage for emergency medical expenses, evacuation and repatriation, personal accident, baggage, trip cancellation, and other travel-related benefits, depending on the plan selected.
LUMA Asia Pass covers 25 destinations across Asia, including Thailand, and is available for single trips or multiple trips up to 180 consecutive days. Travellers can choose from four plans:
- Essential – Medical cover up to USD 200,000
- Explorer – Medical cover up to USD 400,000, plus trip cancellation, baggage, personal liability, and travel document cover
- Adventurer – Medical cover up to USD 800,000, plus higher baggage cover, travel delay cash, and family assistance
- Pioneer – Medical cover up to USD 1,000,000 and a complete suite of travel benefits
The Benefits of LUMA Asia Pass
- Medical coverage of up to USD 1,000,000, depending on the plan selected
- Emergency evacuation and repatriation coverage
- Personal accident coverage
- Baggage coverage
- Trip cancellation coverage on applicable plans
- Single or multiple trips of up to 180 consecutive days
- Available to travellers aged 4 weeks to 75 years
- Coverage across 25 Asian destinations, including Thailand
- Suitable for leisure travel and limited non-manual business travel
Terms and Conditions:
- The policy must be purchased before the trip begins.
- The earliest policy start date is the date of purchase.
- The maximum coverage period is 180 consecutive days.
- Travellers must be aged between 4 weeks and 75 years when purchasing the policy.
- Children under 7 must be accompanied by an insured adult under the same policy.
- Pre-existing conditions and certain exclusions are not covered.
- The plan is intended for short-term travellers and is not designed for people travelling under long-term residence or work arrangements.
- The policy is not intended for people travelling specifically to receive medical treatment.
- Coverage may not apply in the traveller's country of origin or residence under the conditions stated in the policy.
- Policyholders should review the full policy wording for applicable benefits, limits, conditions, and exclusions.
Get a LUMA quote and more details from our insurance advisors today:
AXA Sawasdee
AXA Sawasdee Thailand is an inbound travel insurance policy for foreign visitors travelling to Thailand. It provides medical and personal accident coverage, including coverage for COVID-19, with access to AXA's hospital network, direct billing for hospitalization, and a 24-hour hotline. Coverage is available for up to 180 days with no waiting period.
Current coverage includes:
- Up to THB 750,000 for medical expenses due to accidents and illnesses, including COVID-19
- Up to THB 1,000,000 for accidental death and disability
- Up to THB 850,000 in third-party liability under Plan 1
- Up to THB 1,500,000 in third-party liability under Plan 2
- Travel and baggage delay benefits under Plan 2
- Up to THB 30,000 for loss or damage to suitcases and personal effects under Plan 2
AXA Sawasdee Thailand Plans
AXA Sawasdee Thailand currently offers two plans:
- Plan 1： Provides core medical, accident, and third-party liability coverage.
- Plan 2： Includes additional benefits for transportation and personal property, such as travel delay, baggage delay, and loss or damage to luggage and personal effects.
Premiums currently start from THB 999.
AXA Sawasdee Thailand Eligibility
The current eligibility requirements state that:
- Applicants must be non-Thai nationals, subject to AXA's sanctions and AML requirements.
- Travellers must be aged 6 months to 79 years on the policy effective date.
- Customers must be physically outside Thailand when purchasing the policy.
- AXA Sawasdee Thailand has a single-trip policy; AXA Thailand does not currently offer an annual multiple-trip version.
- Customers can purchase one policy per person.
Important Information
AXA recommends checking with the Thai embassy for the latest immigration requirements and insurance recommendations applicable to your visa type and length of stay. Travellers should also review the policy terms, conditions, cancellation rules, and refund requirements before purchasing.
Contact our expert insurance advisors today for the latest coverage, eligibility requirements, and policy review:
MSIG Say Hi 10
MSIG Say Hi 10 is an inbound travel insurance plan designed for foreign visitors travelling to Thailand. It provides coverage for accidents, medical treatment for illnesses and injuries, COVID-19, and third-party legal liability during your stay.
MSIG Say Hi 10 Key Features
Key benefits of MSIG Say Hi 10 include:
- Personal accident coverage of up to THB 1,000,000
- Medical expenses due to accidents and sickness, including COVID-19, of up to THB 400,000
- Personal liability coverage of up to THB 800,000
- Cashless hospitalization at participating MSIG network hospitals
- Coverage for up to 365 days
MSIG Say Hi 10 Coverage
MSIG Say Hi 10 provides:
- Loss of life from an accident up to THB 1,000,000
- Medical expenses from accidents and sickness, including COVID-19: up to THB 400,000
- Outpatient treatment: up to THB 5,000 per day, with a maximum of 30 days per trip
- Personal liability: up to THB 800,000
Important Information
MSIG provides a list of Acceptance Conditions and Important Exclusions for MSIG Say Hi 10 travel insurance plan. Inbound travellers are highly recommended to thoroughly review this list or consult a trusted insurance broker prior to their purchase to ensure coverage and eligibility.
Contact our expert insurance advisors today for the latest coverage, eligibility requirements, and policy review:
Healthcare in Thailand
Thailand has a well-developed healthcare system with both public and private hospitals available to travelers. Private hospitals in major cities offer modern facilities, specialist care, and services for international patients.
Travel insurance can help cover eligible medical expenses if you become ill or injured during your trip. Depending on your policy, benefits may also include emergency evacuation, repatriation, personal accident, and other travel-related protection.
Choose Where to Get Care
Your travel insurance policy can affect where and how you receive medical care in Thailand. Depending on the plan, you may have access to private hospitals, insurer’s hospital networks with direct billing arrangement, or emergency assistance services.
Some policies may also provide emergency evacuation or repatriation if medically necessary. Always check your policy wording for details of eligible facilities, procedures, and coverage limits.
Flexible Benefits and Levels of Coverage
Travel insurance plans can provide different levels of medical and travel-related protection depending on the policy you choose. Review the policy wording and benefit limits before purchasing to make sure the coverage suits your trip.
Travel Insurance vs. Short-Term Insurance in Thailand
Travel insurance is designed to provide protection during a trip and can combine medical and travel-related benefits in one policy. Depending on the plan, this may include medical expenses, emergency evacuation, baggage, personal accident, travel delays, or personal liability.
Travel insurance differs from comprehensive international or local health insurance, which is generally designed for longer-term healthcare needs. If you are staying in Thailand for an extended period, compare the policy duration, benefits, exclusions, and eligibility requirements before choosing your coverage.
Insurance Broker vs. Insurer
When choosing travel insurance, you can purchase a policy directly from an insurer or explore options through an insurance broker such as Pacific Prime.
Pacific Prime can help you compare available plans based on factors such as coverage, benefits, policy duration, and eligibility. Our insurance experts can also provide support throughout the process, including assistance with understanding your options and policy requirements.
Quotations can be provided without obligation, allowing you to review the available options before deciding which plan is right for you.
Do I Need Travel Insurance in Thailand?
Travel insurance is not required for tourists temporarily visiting Thailand. However, travel insurance can provide financial protection against unexpected medical expenses and travel-related disruptions during your stay in Thailand, especially when major hospitalization or medical evacuation is required.
If you’re interested in travel insurance, contact us here for a quote.
About Pacific Prime
Look no further than Pacific Prime for the best travel insurance quotes in Thailand. Our expert insurance advisors have over 25 years of experience in providing travelers and expats with a wide range of insurance solutions from Thailand’s leading providers. If a short-term visit to Thailand is on your calendar, don’t hesitate to contact Pacific Prime for unbiased advice and a personalized quotation.
