DTV visa guide

Home / Thailand / Insurance

Travel and Expat Insurance for Thailand (2026): 3 Plans Compared

Provider pages checkedLast verified: Oct 15, 20263 options

These three plans are built for stays of a month or longer. We read each provider's own pages for the facts below. Plans are listed in alphabetical order, not ranked.

Visa insurance rules: none of these providers says its plan meets a Thai visa insurance requirement. Genki says in its terms that it cannot guarantee it. If your visa asks for insurance, check the exact wording with your Thai embassy first.

Genki (Traveler plan)

Flexible cover you can start while already abroad

What we confirmed

  • Anyone can buy it, up to age 69 at the start date.
  • Overall limit of EUR 1,000,000. Deductible of EUR 50 per case, and none for inpatient stays.
  • Medical evacuation and repatriation are covered.
  • Cover can run up to 12 months. You can cancel after one month, and unused days are refunded.
  • Scooter and motorcycle riding is covered as normal driving, with a helmet.
  • Home-country cover is for emergencies only, for 6 weeks.

Check before you buy

  • Pre-existing conditions are excluded if you had symptoms, a diagnosis or treatment in the year before the start date.
  • There is a 14-day waiting period in some cases. Two help pages describe it differently.
  • No public price. You need a quote form.
  • The US-cover wording differs between two help articles.

Source: Genki insurance conditions (dated Sep 1, 2026), product page and help center, read Oct 15, 2026.

Get a quoteLink may earn us a commission

Heymondo (Long Stay plan)

For trips of 90 days or more, with an age cap

What we confirmed

  • Age limit is 49. That rules out most retirees and some remote workers.
  • 90 days costs $162 outside the USA, or $296 including the USA. Renewal prices are listed up to 275 days.
  • Medical limit of $2,500,000 and repatriation of $500,000. Deductible of $250 on medical costs.
  • A 14-day withdrawal right applies if no claim has been made.

Check before you buy

  • Pre-existing conditions and armed-conflict zones are excluded.
  • Adventure sports above the base level need a paid add-on.
  • We could not find the scooter rules, whether US residents can buy, or whether you can buy after leaving home.
  • The page doesn't date its prices.

Source: Heymondo Long Stay product page, read Oct 15, 2026.

See the planLink may earn us a commission

SafetyWing Nomad Insurance

Pay-by-the-month cover for people living abroad

What we confirmed

  • The base plan costs $62.72 per 4 weeks for ages 18 to 39.
  • Overall limit of $250,000, with $100,000 for medical evacuation over a lifetime.
  • You can buy it before or during travel.
  • Home-country medical cover is limited to 30 days.

Check before you buy

  • Pre-existing conditions, maternity and cancer treatment are excluded.
  • The only full policy document we could read is undated, so deductibles and age limits may differ today. Read the current policy first.
  • We could not read the FAQ answers on scooters, visa rules or US buyers.
  • Prices for ages 40 and older need the live calculator.

Source: SafetyWing Nomad Insurance product page (2026), read Oct 15, 2026.

See the planLink may earn us a commission

Disclosure: We may earn a commission if you buy through links on this page, at no cost to you. Sponsored spots are labeled. Neither affects what we say about visa rules. Prices shift, so check the live page. This page lists terms and is not insurance advice.

How to choose

  • Check the age limit first. It decides the list for you.
  • Compare the medical limit and the deductible. The monthly price alone doesn't tell you enough.
  • Read the pre-existing condition rule for your own situation.
  • If you plan to ride a scooter, find the rule in writing. Genki states it covers normal driving with a helmet. We could not confirm it for the other two.
  • Ask how long you can be covered and whether you can renew from abroad.

Questions people ask

Does travel insurance meet Thailand's visa insurance rule?

None of the three providers we checked states that it meets a Thai visa insurance requirement. Genki says it cannot guarantee that. The O-A and O-X retirement visas ask for insurance, so confirm the exact wording with your Thai embassy before you buy a plan.

Does insurance cover scooter accidents in Thailand?

Genki states that scooter and motorcycle riding counts as normal driving, with a helmet. We could not find scooter rules for Heymondo or SafetyWing. SafetyWing's older policy document excludes some motorized dirt bikes and quad biking. Read each policy's driving rules before you ride.

Can I buy travel insurance after I arrive in Thailand?

Genki says you can start a policy while already traveling. SafetyWing's product page says you can buy before or during travel. We could not confirm this for Heymondo. Some plans add a waiting period for non-emergency care, so read the start rules first.

Are pre-existing conditions covered?

All three exclude pre-existing conditions. Genki excludes them if you had symptoms, a diagnosis or treatment in the year before the start date. SafetyWing also excludes maternity and cancer treatment. Read each policy's wording for your own medical history, and ask the provider if anything is unclear.

Sources

  • Genki: insurance conditions (Sep 1, 2026), product page and help center
  • Heymondo: Long Stay product page
  • SafetyWing: Nomad Insurance product page and policy document