Travel alert
Before your trip, check the latest government advice for any travel alerts for your destination.
Thailand is a dream destination for many Aussies planning a fun holiday under the sun. But with a dreamy Thailand escape comes the possibility that things can go wrong at any point of your trip. Whether it’s a scooter mishap in Chiang Mai, a cancelled island ferry, or an unexpected tummy bug from dodgy pad Thai — consider nib travel insurance which may help keep your Thailand trip on track.
Why you should consider travel insurance for Thailand
Love exploring on two wheels?
From Chiang Mai's misty mountains to Koh Samui's coastal roads, Thailand's motorbike culture offers authentic exploration. We may provide travel insurance for motorcycles and scooters up to 250cc. You must be licensed, and you must wear a helmet. Coverage excludes personal liability and is subject to the terms, conditions and limitations of the PDS.
Thailand’s weather isn’t always paradise
From June to October floods are common. With nib, you may be covered for trip disruptions caused by natural disasters such as floods, earthquakes or tsunamis. Natural Disaster definition includes floods, cyclone, tornado, hurricane, typhoon, wild fire, tsunami, earthquake, landslide, avalanche, volcanic eruption. It does not include outbreak of disease, epidemic, pandemic, or any other event that is not specifically included in this definition.
Medical emergencies can happen
A stomach bug, dengue fever, or an accident in a remote area can cost thousands. nib may offer overseas medical expenses cover when you fall ill, are injured, or need to go to hospital.
24/7 Emergency Assistance. Anytime, anywhere.
Emergencies don't follow schedules. The 24/7 Emergency Assistance ensures round-the-clock help. This includes finding English-speaking doctors or arranging emergency evacuation from remote locations.
Get your travel insurance quote today.
How could nib travel insurance help me in Thailand?
nib offers International and Annual Multi Trip insurance plans with varying levels of cover. Some of the key benefits include:
✓ Overseas medical expenses – Healthcare can be pricey.
✓ Trip cancellation & delays – Non-refundable bookings? We may help cover them.
✓ Emergency evacuation – For serious injuries or illness (must be approved by nib).
✓ Lost or stolen items – Phones, bags, passports — we may cover the essentials.
✓ Adventure activities – Snorkelling, hiking, ziplining? Check what cover may be available.
✓ Natural disasters – Cover may kick in when nature throws a curveball.
✓ 24/7 Emergency Assistance – Day or night, help is just a phone call away.
The features and benefits described are a summary of cover only. Cover is subject to the full terms, conditions, limitations, and exclusions outlined in the combined Product Disclosure Statement (PDS)/Financial Services Guide (FSG).
Top places to visit in Thailand
Bangkok
This is a city of contrasts. Ancient temples rest amid bustling streets, the ordered chaos evened out with floating markets and a wellness scene that can zen even the most uptight traveller.
Ayutthaya
This UNESCO World Heritage Site was once the thriving capital of the Siamese Kingdom. Today, the ancient city offers history buffs an incredible glimpse into Thailand's golden age.
Chiang Mai
Thailand’s cultural capital is nestled in the rolling hills of the country’s North. The walled old city contains over 300 temples, with surrounding hills offering hill tribe villages and adventure.
Phuket and islands
Thailand's tropical islands range from Koh Phi Phi's party scene to Koh Tao's diving paradise. Choose your island for crystal-clear waters, pristine beaches, and unforgettable experiences. You must hold an open water diving licence or you must dive under licensed instruction.
What’s not covered
Some things not covered under nib travel insurance include:
✗ Some pre-existing medical conditions (unless declared and accepted as part of your policy). Cover not available on the Essentials plan.
✗ High risk activities, like extreme sports, are not covered.
✗ Unattended or unsecured belongings. If your personal belongings are swiped while left unattended, they won’t be covered.
✗ Riding motorbikes, scooters or mopeds over 250cc. There is no cover for personal liability for ownership, possession or use (including as a passenger) of a mechanically propelled vehicle, for example motorcycle.
✗ Travelling against government advice (check Smartraveller).
Read the combined PDS/FSG to understand the terms, conditions, limits, and exclusions of your policy.
Travel tips for a trip to Thailand
Be smart on scooters
Getting around by motorbike or scooter is common in Thailand. But it’s also one of the most common ways travellers find themselves in an accident (or hospital). Only ride if you’re licensed. Helmets are mandatory—and could save your life.
Watch what you eat and drink^
Avoid tap water. Eat where locals eat and stick to bottled drinks.
Pack for the climate
Monsoon season can mean flash floods. Lightweight rain jackets and quick-dry clothes are essential.
Keep your insurance details handy
Save your travel insurance policy number and the Emergency Assistance team’s contact info on your phone and printed out in your luggage.
Weather awareness
Monsoon season (May to October) has the power to dampen any trip. However, knowing the best time to travel to Thailand means understanding nature doesn't always follow the calendar. And when you’re wondering what to pack for a Thailand trip, consider the tropical climate.
^The information on this page should not be considered medical advice, you should seek the advice of your doctor.
Visa requirements for Australians going to Thailand
Flight booked; accommodation sorted. Now you might be wondering about the nitty gritty parts of your trip, like ‘Do I need a visa to travel to Thailand?’
Visa requirements for Australians:
Aussies can enter visa-free for up to 60 days.
Your passport must be valid for at least 6 months from your date of entry.
Always double-check entry requirements before flying, as they can change.
Check the Smartraveller website for the latest travel alerts and requirements for Thailand.
Need to know more?
If you still have questions we’re here to help. Get in touch and we can help answer any queries you might have. In case of a medical emergency contact the 24/7 Emergency Assistance Team.
FAQs for a trip to Thailand
The above features and benefits are a summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the combined Product Disclosure Statement/Financial Services Guide.
nib Travel Insurance Distribution Pty Limited, ABN 40 129 262 175, AR 336467 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.
We are a signatory to the General Insurance Code of Practice developed by the Insurance Council of Australia and enforced by the Code Governance Committee, an independent body whose purpose is to drive better Code compliance and help the insurance industry improve its service to consumers. The Code is designed to promote good relations and insurance practice between insurers, authorised representatives and consumers. The Code sets out what we must do when dealing with you. You can obtain a copy of the Code from codeofpractice.com.au.
*The discount applies to the total nib travel insurance premium and is for customers that currently hold an Australian health insurance product, or an Overseas Student Health Cover product with nib. The discount is not available to customers who hold an Overseas Visitors Health Cover product. Discounts do not apply to the rate of GST and stamp duty or any changes you make to the policy. nib has the discretion to withdraw or amend this discount offer at any time. This discount cannot be used in conjunction with any other promotional offer or discount.