IATI Blog

Travel Insurance for Thailand

11 minutes read

What is the best travel insurance for Thailand? Thailand is the preferred destination for millions of travellers who year after year head to the so-called “land of smiles” in search of a variety of experiences. Thailand awaits you with exciting cities like Bangkok, numerous Buddhist temples, paradisiacal islands where you can experience unforgettable moments, and even nature routes for trekking lovers. Therefore, it is normal that you are wondering what the best travel insurance for Thailand is, especially now that it is mandatory and since the goal of this trip is to enjoy it without having to worry about health or safety issues. In this article, we will tell you about the best insurance options for travelling to Thailand, as well as their coverage and price. In addition, we will guide you step by step through the purchasing process, and you will discover how easy it is to get your travel insurance in just a few minutes. Sawatdee Khrap, Thailand! Why buy travel insurance for Thailand? A visit to a health center in Thailand usually means a high bill. In addition, as travellers, we often do not know exactly where to go, and therefore, we can end up in medical centers of questionable quality. Hiring travel insurance for Thailand is the best way to be 100% focused on your trip and enjoy all the possibilities of this country without having to worry about anything other than your fun. The range of possibilities offered by the former Kingdom of Siam is “infinite,” and the range of possibilities of needing health insurance in Thailand is equally “infinite.” A simple stumble while walking down the stairs of a spectacular Buddhist temple, a problem when diving among fish, or even any medical need you may also have in your country (digestive discomfort, headache, flu, back pain, etc), without medical insurance in Thailand, could translate into a bill of thousands of euros. Protection beyond health Good health insurance for Thailand, such as the one we recommend at IATI, does not only protect you from health-related issues. In a trip with these characteristics, although it is quite a safe country, problems such as loss or theft of luggage can occur. Without an insurance policy, you would waste a lot of time and money in a situation like this, while with travel insurance for Thailand, you would be covered, and everything would be much easier to resolve. On the other hand, an important reason to purchase your insurance is to be protected not only during, but before your trip, thanks to the cancellation coverage designed so that you do not lose the money invested in flights, accommodation, and activities. In the next section, we will talk about this and other essential coverages for your visit to Southeast Asia. Note that starting at the end of 2020, travel insurance for Thailand is mandatory. Thai authorities, aware of the high prices of quality health care, have moved from pointing out international insurance as highly recommended to definitively marking it as essential. This mandatory insurance must also meet several conditions to be valid. The two main ones are: • It must offer medical coverage of at least €100,000. • The medical coverage of the mandatory insurance must cover assistance for cases of COVID-19 Both conditions, as well as many others, indicated for a trip with these characteristics, are fully covered by IATI Backpacker (click here if your country of residence is within the European Union; click here if your country of residence is not part of the European Union) which covers up to €500,000. What is the best travel insurance for Thailand? In the next section, we will tell you in greater detail what features your travel insurance should have for Thailand, both those that the government itself marks as mandatory and those that are necessary for the different activities that come with a trip like this. If you want to travel now, don’t wait any longer and get the IATI Backpacker (click here if your country of residence is within the European Union; click here if your country of residence is not part of the European Union), the best insurance for Thailand that will accompany you throughout your trip and cover you in case of any need. What features should the best travel insurance for Thailand have? Each trip is a completely different adventure, and therefore you need a different international insurance policy. Just as for travelling to Paris or Everest, you will need a specific and different coverage for each, travel insurance for Thailand needs very specific coverage to ensure that you are always protected during your trip. What we will present to you next are the coverages that the best travel insurance for Thailand needs, all included in your IATI Backpacker policy. Free assistance in your language 24 hours a day In case you need assistance, whether medical or any other kind, the last thing you need is to explain your problem over the phone in a language that is not your own. Can you imagine having to explain in another language that you need urgent help in the middle of a complicated situation? It would be a waste of time and even if you know how to speak the language, details that can be vital could be left out. That’s why with your IATI travel insurance for Thailand, you will always be assisted in your language and, if necessary, you will have an interpreter to translate to Thai in case you need it. You can contact us for free 24 hours a day and 7 days a week. If you contact us by phone from abroad and send us the bill, we will reimburse you so that you don’t have to pay the international call price. High coverage in medical assistance Travel insurance is now mandatory and must cover a minimum of €100,000. At IATI, we always go further, and our policy for this destination doubles and exceeds this coverage, offering you up to €500,000 in medical coverage. The cost of medical care in this country can be high, and a simple visit to a quality hospital for a check-up where something as simple as an analysis and an X-ray is required can easily exceed €500. This coverage also includes another of the new requirements to make this trip, travel insurance for Thailand that also covers you in cases of Covid-19. Adventure sports in Thailand Coverage for adventure sports is 100% essential in travel insurance for Thailand. If you think this coverage only includes extreme experiences like skydiving, you are mistaken. This also includes activities such as snorkelling, diving up to 40 meters, kayaking, zip-lining, and hiking. We are sure that during your trip to Thailand, you will want to discover the underwater world, walk through its lush nature, and participate in adventure activities. Thanks to your IATI Backpacker, you can enjoy these experiences knowing that, in case something happens, you will be covered and can receive the necessary assistance, including search and rescue. Without deductibles, you won’t have to pay anything out of your pocket When looking for the best travel insurance for Thailand, you may find that most companies include things like deductible policies in small print. This means that if you take out insurance with a 100 euros deductible, even after paying for your travel insurance to Thailand, you will have to pay the first 100 euros for each medical consultation. At IATI, none of our travel insurance policies has deductibles, and we cover all costs you may need when using your IATI Backpacker policy. Medical assistance in Thailand without advance payment Thanks to your IATI Backpacker travel insurance for Thailand, you will receive the medical assistance you need, up to 500,000 euros, without having to pay in advance. The process of using your international insurance is very simple. When you need help, you contact us and, depending on your needs, we will direct you to the best medical center near your location. When you get there, they will be waiting for you. Both the visit and any possible medical tests or medications will be covered by us, and you can continue your trip happily, without paying anything out of your pocket. If you need medical assistance for any kind of emergency and can’t contact us first, don’t worry. Just keep your invoices for the visit expenses and medical documents, and when you send them to us, we will reimburse you as soon as possible. Loss of baggage and theft included Your travel insurance for Thailand should cover you beyond health aspects. Thus, the coverage that protects you in case of luggage theft or loss is also very important. Although Thailand is one of the safest countries in Southeast Asia, there may be cases where this coverage is necessary, either due to problems with your luggage or due to theft with violence or intimidation. With your IATI Backpacker (click here if your country of residence is within the European Union; click here if your country of residence is not part of the European Union), you will be covered for up to 1,500 euros in these types of cases, and you will also have our assistance service to help you with the necessary steps. You will also have extensive civil liability coverage of 60,000 euros, which will cover you in case of material or bodily damage to third parties. Option to Cancel – Cancelling Your Trip to Thailand Organizing your trip means booking flights to the country, accommodations, and activities you will do there, but what if something prevents you from making this great trip? Will you lose all the money invested in this adventure? To address the concern of many travellers, at IATI we were pioneers in creating the Option to Cancel Trip, which has become one of the favourite coverages of thousands of travellers who trust us. For example, if a serious illness arises that prevents you from making this trip, you will have the protection of up to 2,000 euros to cover everything you cannot recover directly through your providers. Thus, with your travel insurance to Thailand + Cancellation Supplement, you can count on your money to make this adventure in the future. Coverage of travel insurance for Thailand Now that you are aware of how essential it is to have insurance when travelling to Thailand and know which coverages you must have, you may want to know all the details. On the IATI Backpacker page (click here if your country of residence is within the European Union; click here if your country of residence is not part of the European Union), you can see all the detailed information. Here, as a summary of the main coverages, we show you this table so that you can visually know the major coverages of your policy. How much does travel insurance for Thailand cost? The information that will convince you that IATI Backpacker is the best travel insurance for Thailand is its price. As you can see in the following tables, the price of your policy for two weeks of travel (which is usually the average number of days that travellers choose for this destination) is even lower than one night in a mid-range hotel. This makes your international medical insurance a tiny part of your travel budget that, on the other hand, will become a huge saving in case you need any type of assistance once you’re there. IATI Backpacker for residents of the EU: IATI Backpacker for non residents of the EU: How to hire the best travel insurance in Thailand Getting travel insurance for Thailand through the intuitive menu of IATI is easy. Now that you know that IATI Backpacker is the policy you need, click on the link below and follow these simple steps: In the menu, you must fill in the following fields: • The origin of your trip • The destination of your trip • Start and end dates of your trip • Number of travellers • Type of insurance: travel insurance After filling in the menu fields and clicking on “Calculate insurance”, just choose your IATI Backpacker and click on “Contract”. This is when you can activate the Cancellation Supplement we mentioned earlier, which will cover you if you must cancel your trip for any of the reasons established in the conditions. Fill in your data, make the payment and you will receive in your email the details of your contracted travel insurance and the way to contact us if you need any kind of assistance. Isn’t it super easy to get your insurance to travel to Thailand? Useful information for travelling safely to Thailand Best time to travel to Thailand The best time to travel to Thailand in terms of weather is between the months of november and february for the central part of Thailand, as temperatures are less intense (even cooling down) and the amount of rainfall decreases. This doesn’t mean that you can’t travel to Thailand during the rest of the year! Even during the rainy season, it is an excellent destination since rain, although intense, does not last all day and the country always has areas where you can escape it. Security in Thailand Thailand is one of the safest countries in Asia, which makes it one of the most popular destinations every year. You don’t need to worry excessively about safety in the country, but you should take precautions. Health in Thailand The country has high-level hospitals in its main cities, but it can be difficult to find quality centers far from these cities. In both cases, healthcare costs are high. Therefore, it is essential, as well as mandatory, to have travel insurance when travelling to Thailand. Don’t wait any longer and get your travel insurance for Thailand, the IATI Backpacker, with the best coverage and price for this great adventure that is about to begin.

Read more

Travel Insurance for the USA

11 minutes read

What is the best travel insurance for the USA? It’s no secret that having to pay for any medical expenses during a trip to the USA means shelling out a large sum of money. Therefore getting travel insurance for the USA is essential when preparing for your trip to this country. The USA of America is a country with countless possibilities for any traveller. Spectacular cities like New York, paradise beaches in Hawaii, epic routes like the famous Route 66, or natural parks like Yellowstone await you to make this trip unforgettable. Therefore, at IATI, we have created international medical policies suitable for this destination. Which will ensure that you don’t have to worry about anything other than having fun. In this guide, we will show you what the best travel insurance for the USA is, what coverage makes it your best option, and how you can hire it in the simplest way possible. Your safe trip to the “Land of Uncle Sam” starts now! Why get travel insurance for the USA There are countries where it is advisable to travel with travel insurance, others where it is highly recommended, and others, such as the USA, where it is almost mandatory. It is strongly advised for every traveller to have health/travel insurance that covers expenses for any emergency medical situation. The USA, despite its excellent medical centers and hospitals, is known to be one of the most expensive countries in the world when it comes to healthcare. These high costs are the main cause of bankruptcy for American citizens and require them to have private insurance. How much can a visit to the doctor cost me? When visiting the US, and in the absence of a medical agreement with almost every country, the risk of bankruptcy is faced by tourists. A simple stumble while walking down a New York sidewalk that results in a sprained ankle, an ambulance ride due to an emergency, the need for something as simple as an X-ray, or even any other unforeseen event that in your country would be less important, in the USA would mean paying a bill of thousands of euros. To give you an idea, here are some examples of the prices practiced: • Ambulance transfer: between $ 400 and $ 1,200 • Emergency care: between $ 150 and $ 3,000 • An X-ray: between $ 150 and $ 3,000 • Surgery for appendicitis: starting at $ 35,000 • Ankle fracture: between $ 17,000 and $ 35,000 In addition to the high costs of healthcare, there are other reasons to get the best insurance to travel to the USA. With insurance, you will also be covered in cases such as problems with your luggage, violent theft, delays and flight loss, or even cancellation coverage to recover the money invested in this trip if you are unable to take it. What is the best travel insurance for the USA? In the next section of this article, we will show you the coverage that your international medical policy should have for this destination. We recommend IATI Total Comfort if your country of residence is within the European Union. This is the best international insurance option for the USA, it provides coverage for a wide range of scenarios that may arise during your visit to this country. For example, you will be protected if you have problems with your luggage (lost or stolen), as well as if you are assaulted with violence or intimidation. Another example? You will also be covered in cases of delayed departure of transportation, delayed delivery of your luggage, adventure sports, or, if you wish, trip cancellation for serious reasons. If you are travelling form outside the European Union, we recommend IATI Star. It has one of the highest medical expenses coverages on the market, €1,000,000 extendable up to €4,800,000 and the largest limits in its wide range of complementary coverages. This policy is specially designed for travel to countries with high medical costs, such as the US. We will discuss these and other features in the next section dedicated to the coverage of IATI Total Comfort and IATI Star travel insurance for the US, where you will easily see why they are the best-selling insurances for this destination. What characteristics should the best travel insurance for the USA have? Each destination requires a very specific type of coverage since a trekking trip to Everest is not the same as a weekend getaway to Paris. The international policy that fits like a glove for one destination may not meet the needs of another. In the case of travel insurance for the USA of America, it becomes even more evident because, being one of the most expensive destinations in the world in terms of medical assistance, it requires the best coverage. Below, is all coverage you will need, all included in your IATI Total Comfort and IATI Star: Free assistance in your language 24 hours a day Something essential in the best travel insurance for the USA is that it makes everything easier for you. If you need urgent help, it would be harder to have to express yourself in a different language, which you may not fully master. How do you feel? What happened to you? Where are you? In a situation where you need help, you need everything to be fluid and even if you can master the language, nervousness can make communication difficult. Therefore, with your IATI Star, we will always assist you in your first language. We are at your disposal 24 hours a day, 7 days a week and, if you contact us by phone, we will refund the value of the international call when you send us the receipt. Broad medical assistance coverage As you have seen, healthcare prices in the US are very high and a visit to the doctor often translates into a bill of thousands and thousands of euros. To ensure that you are covered both in a visit to the doctor or if you need more complex assistance that includes medical tests, we provide travel insurance for New York with very high medical expense coverage. Thus, thanks to your IATI Star and IATI Total Comfort you will have the protection of up to 10,000,000 euros (with your IATI Total Comfort) that will guarantee you coverage in any situation. At IATI, we have more than 135 years of experience as leaders in travel insurance and none of our travellers has ever needed medical assistance that reached half of those costs. Therefore, we can guarantee that with your travel insurance, you will have the best protection on this trip to the USA. Adventure sports in the USA The US is not just about big cities. National Parks and their lush nature await you to have unforgettable experiences. Diving in the idyllic coasts of Hawaii, cycling through Moab, climbing the walls of Yosemite National Park, hiking through Yellowstone, or more common activities such as surfing, kayaking, or canyoning can be part of your plans. All these activities are considered risky and are generally not covered by international policies, but thanks to the Adventure Sports Coverage included in your IATI Star and IATI Total Comfort travel insurance for the USA, you will also be protected if you embark on any of these adventures. Bodily injuries in motor vehicles Another classic plan on a trip like this is renting a car and driving hundreds of kilometers, exploring the country, whether on Route 66 or connecting points such as Los Angeles, Las Vegas, or the Grand Canyon of Colorado. A very common question that usually comes to mind is, “What happens if I have an accident? Am I also covered?” And the answer is simple, IATI Star and IATI Total Comfort are the best insurances for travelling to the USA because they cover you in any circumstance. So, you will also be guaranteed hospitalization if you have an accident with a motor vehicle. Without deductibles, you won’t have to pay anything out of your pocket Many insurers hide in fine print that their policies have deductibles. This means that, for example, in the case of a deductible of 100 euros, every time you need any kind of medical assistance, you will have to pay the first 100 euros, even if you already paid for the policy. At IATI, we do not work with deductibles and always assist from the first cent of your medical assistance to the last, so you do not have to worry about money. No advance payment for medical assistance during your trip Another very common case is if you need private medical insurance which, despite offering some coverage during the trip, requires you to pay the expenses and then initiate a lengthy process to recover your money. If this happens to you in the USA, it could ruin your trip if you faced a bill for thousands of euros. With your IATI insurance, this will not happen. If you need assistance contact us, and we will direct you to the most appropriate health center. As soon as you arrive, they will be waiting for you, and we will take care of the expenses of your visit, as well as any medical tests or medication that may be prescribed for you. If due to an emergency, you cannot contact us before receiving medical attention, it will not be a problem. You can then send us the medical reports and invoices, and we will reimburse you as soon as possible. Loss of baggage and theft included On vacation, many things can happen besides health problems. For this reason, our travel insurance for the USA has also been designed to cover these types of cases. For example, you will have coverage of up to 2,500 euros, with your IATI Star, and up to 1,500 euros with your IATI Total Comfort for cases such as problems with your luggage or theft with violence. In addition, you will also have other coverages that we will be happy to attend to, such as delayed delivery of checked baggage, or delayed departure of transportation. Cancellation option – cancelling your trip to the USA Travelling to the USA is not cheap. The planning of this trip is linked to flight and accommodation bookings and activities that increase the cost of this experience. It is entirely normal for you to ask questions like: “What happens if I cannot travel due to a serious unforeseen event? Will I lose all the money invested in this dream trip?” To answer these questions, we were the first ones to offer the Travel Cancellation Supplement. Thanks to this, we will reimburse you a certain amount of expenses that you cannot recover directly from your travel provider if you must cancel the trip for any of the reasons considered in the policy. You can obtain this supplement, with a single click during the process of hiring your travel insurance for the USA. Travel insurance coverage for the USA Now that you know the coverage your travel insurance for the USA should have, you may be interested in learning more about the features offered by the most popular policies among travellers heading to this destinations. On the IATI Total Comfort and IATI Star pages, you can find detailed information about our policy and its benefits. In the following table, as a summary, we show you some of the coverages if you are travelling from the EU: If you are travelling from outside the EU, here is the summary of the features of the best travel insurance: How much does travel insurance for the USA cost? The cost of your travel insurance for Cuba, is what will convince you of the great quality/price ratio. As you can see, the price of a two-week trip is lower than the price of one night in a medium hotel in areas like Varadero, which means that your international insurance will be a minimal cost in your travel budget. In addition, this is an expense that will turn into a huge saving in case you need any type of assistance: How to hire the best travel insurance for the USA Buying your travel insurance for Cuba through our intuitive menu is quick and easy, following the steps below. In the menu, you should enter your travel details: • Your place of origin • The destination of the trip: in this case, the USA • The start and end dates of the trip • The number of travellers • Type of insurance: travel insurance After filling out these fields and clicking on “Get a quote”, select IATI Total Comfort or IATI Star and then click on “Contract”. At this point, you can add the Travel Cancellation Option that we mentioned above, which will allow you to recover up your travel expenses if you cannot travel for any of the reasons mentioned above. Simply fill in your personal information, make the payment, and within minutes you will receive an email with the details of your policy, including contact information for when you need assistance. It’s incredibly easy to get travel insurance for Cuba – the whole process can take as little as 3 minutes! Useful information for a safe trip to the USA Best time to travel to the USA The USA is a huge country, and that makes it difficult to give a concrete answer to the question “What is the best time to travel to the USA?” In general, most travellers tend to avoid winter, as in many parts of the country, it is normal for the temperature to drop below zero, but on the other hand, many others make the most of this season where the snow and Christmas decorations give a magical touch to cities like New York. July and august are the hottest months, becoming even hotter in places like Miami. Depending on your itinerary through the country, you should pay attention to how the weather will be like during the period you plan to travel. Security in the USA The USA is considered a relatively safe country for tourists. Nevertheless, it is always advisable to take precautions. Health in the USA The USA is one of the countries with the most expensive healthcare in the world. Even US citizens are required to have private health insurance to help cover bills that often exceed thousands of euros. This also makes it essential for travellers to have international insurance that guarantees coverage in any circumstance. IATI Star and IATI Total Comfort are the best travel insurances for the USA. Get yours now and enjoy the trip you deserve with the peace of mind of having the best protection.

Read more