Bangkok Insurance international travel insurance, from THB 135
- Published: 14 October 2026
Bangkok Insurance international travel insurance, from THB 135
Premium data as of 14 October 2026 · compiled by Prakanthai.com
Underwritten by Bangkok Insurance Public Company Limited
Premiums from THB 135 per trip (Plan 1, 1–4 days), and annual cover from THB 1,595, including stamp duty
Highlight: choose from 4 plans, with single-trip cover for up to 180 days or annual cover; every plan can be used for a Schengen visa application
Your tickets for ten days in Europe are booked. When you come to apply for a Schengen visa, the embassy asks for proof of travel insurance with medical cover at or above its minimum, and your family asks who will pay if the flight is delayed or a bag goes missing.
How do Bangkok Insurance's international travel insurance plans differ, and which plan should you choose for your trip?
Bangkok Insurance international travel insurance: who is it for and how much does it cost?
In short: Bangkok Insurance's international travel insurance suits people aged 1–90 who travel out of Thailand and back. There are 4 plans, with overseas medical expenses of THB 1,500,000–3,000,000, and every plan can be used for a Schengen visa application. Plans 2–4 add trip cancellation, flight delay and lost baggage cover. Premiums start from THB 135 for Plan 1 on a 1–4 day trip, ages 1–75 (as of 14 October 2026). The actual premium depends on the plan, the number of days and the traveller's age.
What does Bangkok Insurance international travel insurance cover?
| Coverage | Plan 1 / 2 / 3 / 4 (THB) | Conditions |
|---|---|---|
| Accidental death, loss of limbs or sight, and permanent disability | 1,000,000 / 1,500,000 / 2,000,000 / 3,000,000 | – |
| Medical expenses abroad | 1,500,000 / 1,500,000 / 2,000,000 / 3,000,000 | Actual cost, for accident or illness |
| Follow-up treatment in Thailand | 150,000 / 150,000 / 200,000 / 300,000 | Treatment must start within 24 hours of returning to Thailand; up to 14 days |
| Emergency evacuation / repatriation of remains to Thailand | 1,000,000 / 1,500,000 / 2,000,000 / 3,000,000 | Actual cost |
| Daily hospital cash | – / 1,000 / 1,500 / 2,000 per day | Up to 60 days abroad, up to 14 days in Thailand |
| Trip postponement or cancellation | – / 50,000 / 100,000 / 200,000 | Actual cost |
| Trip curtailment | – / – / 100,000 / 200,000 | Actual cost |
| Travel delay | – / 10,000 / 15,000 / 20,000 | THB 2,000 for every full 6 hours |
| Missed connecting flight | – / 10,000 / 15,000 / 20,000 | THB 1,000 for every full 6 hours |
| Loss of or damage to baggage and its contents | – / 10,000 / 20,000 / 30,000 | Up to THB 5,000 per item |
| Baggage delay | – / 10,000 / 15,000 / 20,000 | THB 2,000 for every full 6 hours |
| Third-party liability | 500,000 / 500,000 / 1,000,000 / 1,000,000 | Property damage up to THB 50,000 per occurrence |
| Rental car excess | – / – / 10,000 / 10,000 | Actual cost |
| Theft of property from your home while you travel | – / – / 30,000 / 50,000 | Actual cost |
There are other smaller benefits too, such as death from natural disasters (Plans 2–4), durable medical equipment, a compassionate visit, return of minors to Thailand, missed ticketed events and extra accommodation costs due to natural disasters, with limits according to the plan.
Roughly how much is the international travel insurance premium?
Premiums per person, including stamp duty, as of 14 October 2026 (a sample of the trip lengths people buy most often)
| Number of days | Ages 1–75, Plan 1 / 2 / 3 / 4 | Ages 76–90, Plan 1 / 2 / 3 / 4 |
|---|---|---|
| 1–4 days | 135 / 215 / 435 / 635 | 340 / 540 / 1,090 / 1,590 |
| 5–6 days | 165 / 240 / 475 / 710 | 415 / 600 / 1,190 / 1,775 |
| 7–8 days | 195 / 305 / 575 / 850 | 490 / 765 / 1,440 / 2,125 |
| 9–10 days | 215 / 315 / 620 / 925 | 540 / 790 / 1,550 / 2,315 |
| 11–15 days | 255 / 410 / 880 / 1,180 | 640 / 1,025 / 2,200 / 2,950 |
| 16–20 days | 305 / 450 / 1,065 / 1,365 | 765 / 1,125 / 2,665 / 3,415 |
| 26–30 days | 405 / 595 / 1,345 / 1,780 | 1,015 / 1,490 / 3,365 / 4,450 |
| 87–90 days | 885 / 1,535 / 2,930 / 5,140 | 2,215 / 3,840 / 7,325 / 12,850 |
| 171–180 days | 1,875 / 3,020 / 5,115 / 9,330 | 4,690 / 7,550 / 12,790 / 23,325 |
| Annual (up to 90 days per trip) | 1,595 / 2,675 / 4,395 / 8,730 | 3,990 / 6,690 / 10,990 / 21,825 |
The full table covers every trip length from 1 to 180 days, and our team can check the premium for your actual travel dates. Every figure is a starting premium. The actual premium is the one on your quote, subject to the insurer's underwriting decision.
Worked example: if you take 3 trips a year, is single-trip or annual cover better value?
Say you are 35, take 3 trips a year of 5–6 days each, and choose Plan 2
- Single-trip cover: 240 × 3 = THB 720
- Annual cover, Plan 2: THB 2,675, which is THB 1,955 more
- The break-even point for annual Plan 2 is about 2,675 ÷ 240 = 11 trips a year, if each trip is 5–6 days
This example is for illustration only. A simple rule: an annual plan suits people who really do travel often or take long trips. If you only take a few trips a year, single-trip cover is cheaper.
Who is international travel insurance for?
- People applying for a Schengen visa, since every plan supports it
- Travellers aged 1–90, including older travellers who find it hard to get accepted for a plan
- Families with children under 1 year old, who are covered at no extra premium (up to 2 children)
- People who travel abroad often, or take trips of up to 180 days
Who should not buy this plan yet?
- People travelling to countries that are not covered, such as Russia, Ukraine, Israel, Iran, Iraq, North Korea, Pakistan, Cuba and several others listed in the policy
- People who are not departing from or returning to Thailand: with this plan, the trip must start and end in Thailand
- People who want trip cancellation or lost baggage cover but choose Plan 1: Plan 1 does not include these
- People taking a short trip in Asia who want a single, simply priced plan: compare Asian Delight travel insurance first
Limits to check before you decide
- You can hold 1 single-trip policy per trip and 1 annual policy per year
- Annual plans cover trips of up to 90 days each, with no limit on the number of trips
- For travellers aged 76–90, the premium is about 2.5 times higher
- Third-party liability for property is limited to THB 50,000 per occurrence
- 19 countries are not covered, as listed in the policy
If your trip is expensive and you want trip cancellation cover above THB 200,000, compare Travel Sabai travel insurance, which has a trip cancellation limit of up to THB 500,000
Want to know the actual premium for your trip? What do you need to send?
Send just 3 things
- Destination country
- Departure and return dates
- The ages of all travellers
Our team will send you a written quote within a business day, showing the premiums for all 4 plans and which plans can be used for your visa application under the embassy's requirements. If a plan is good value, we will tell you straight. If the conditions differ, we will explain the differences before you pay.
LINE Official: @prakanthai · Tel. +66 2 459 2223
Frequently asked questions
Can Plan 1 be used for a Schengen visa application?
Yes. Every plan supports Schengen visa applications.
If my flight is delayed 13 hours, how much do I get?
Plans 2–4 pay THB 2,000 for every full 6 hours. 13 hours counts as 2 periods, so you get THB 4,000, up to the plan's limit. This applies where the carrier has not cancelled the original schedule or arranged a new flight for you.
If I fall ill abroad, do I have to pay first?
It depends on the hospital and on the insurer's arrangements. Always keep your receipts and medical certificates, and contact the insurer or our team as soon as possible.
Does my 8-month-old baby need a policy?
Children under 1 year old travelling with their father and/or mother are covered at no extra premium, up to 2 children.
If my home is burgled while I am away, am I covered?
Plans 3 and 4 cover theft of property from your home while you travel, up to THB 30,000 and THB 50,000 respectively.
Who approves claims: Prakanthai.com or Bangkok Insurance?
Underwriting and claim payments are decided by Bangkok Insurance. As the broker, Prakanthai.com helps coordinate and follows up for you.
Notes
The cover and premium information on this page is based on Bangkok Insurance Public Company Limited's product information for international travel insurance as of 14 October 2026. It is general information and not part of the insurance contract. Premiums and conditions may change as announced by the insurer. Underwriting and claim payments are decided by the insurer. Prakanthai.com is a non-life insurance broker, not an insurer, licence no. 5104000004, in service since 2004. Read the policy and the quote in full before you decide.