General Questions about travel insurance (International)

What is Travel Insurance?

Travel insurance is insurance that covers accidents and sickness on your trip that can result in injuries, illness, and death. Some types of travel insurance will provide additional cover for flight delays, baggage delays, and trip cancellation.

Why should I buy travel insurance?

It can be a good idea to buy travel insurance as it can protect you from unforeseen circumstances such as getting sick and having to cancel your trip. Travel insurance can also help if you need to go to hospital while abroad and incur high and potentially ruinous medical costs. It also makes sense to purchase it when it represents a small percentage of the total cost of your trip.

What ages are eligible?

The age range covered depends on the travel insurance policy. Generally, travel insurance, it covers people aged 1-75 years old.

Does my trip need to begin and end in Thailand?

To be eligible for Thai travel insurance, your trip needs to begin and end in Thailand. You must also spend time overseas during this period so you can't buy this travel insurance to visit Thailand. Thai permanent residency is not required.

Do I have to do a health check before buying travel insurance?

Having a health check before buying is not necessary. However, if you are sick before traveling, you should notify your insurer as different insurers have different conditions for being sick before traveling.

Does travel insurance cover preexisting conditions?

Most travel insurance does not cover preexisting conditions or sickness. However, it will still provide cover as long as your claim is related to an accident or illness not caused by your condition.

What countries are not covered by travel insurance?

Insurance companies will exclude different countries. For example, some travel policies do not cover the following countries: Cuba, Iran, North Korea, Russia, Syria, Ukraine, Belarus, Somalia, Sudan, South Sudan, Democratic Republic of the Congo, Zimbabwe, and Nepal. Sanctioned countries declared by United Nations (UN), United States of America (USA) or European Union (EU) also aren’t covered.

Can I buy annual travel insurance?

Frank have annual travel insurance plans mostly for groups studying abroad. However, you should read terms and conditions as insurance companies can limit the coverage time of a single trip, instead allowing the insured person to make several trips in a year while being covered by a single policy.

Can I postpone the travel insurance I’ve already bought?

You can postpone your travel insurance by notifying your insurance company before the start date of your travel in your policy.

What is the travel insurance coverage period?

Travel insurance coverage starts once you have left your home or workplace to start your journey such travelling to the airport. It ends once you have arrived back in Thailand.

Can I change the information in my travel insurance policy?

You can change by notifying the company you bought travel insurance from before the start date of your travel in the policy.

Questions about travel insurance coverage

What does travel insurance cover?

As mentioned above, Thai travel insurance covers Thai residents for accidents and sickness for that can result in injuries, illness, and death. Some types of travel insurance will provide additional cover such as flight delays, baggage delays, and trip cancellation.

How do you get help if you are sick abroad?

If you are sick abroad, you should call your insurer’s helpline for advice. They can direct you to a medical facility and tell you what documents you need to get there to make a claim. This then means the insurer can help you with the cost of the required medical care.

How can travel insurance help when an accident occurs in aboard?

Travel insurance will help with the cost of the fees through its medical expense coverage. It will also cover returning the insured to Thailand if that is necessary.

What is travel insurance coverage in case of death?

Travel insurance usually includes personal accident coverage which will pay out up to the sum insured if the insured is killed in an accident. The insurance also helps covers the cost of bringing the body of the insured back to Thailand.

Does travel insurance provide cover if baggage is lost due to negligence?

Travel insurance covers losing baggage from theft and logistical failures but does not cover negligence.

Questions about travel insurance claims (International)

With travel insurance, do you have to pay first and then claim the amount paid?

Yes, as the total amount can change and is hard to calculate initially.

How to cancel travel Insurance?

You can cancel your policy by contacting your travel insurance company. In the case of getting the insurance for a visa, you will receive a refund if your visa application is rejected.

What documents are needed for claiming?

You can find more information from this page How to claim. It goes into further detail about what documents are needed for different claims.

Does travel insurance cover the cost of traditional or alternative medicine?

Insurers generally will not cover the medical costs of practices not considered modern medicine.

Question about buying travel insurance

How to buy Travel Insurance Online

We recommend buying it online here at Frank.co.th as it is the fastest method. You can also contact Frank Tel. 02 106 5800 to purchase it over the phone.

What information is needed when buying travel insurance?

When buying travel insurance online, very little information is needed. The destination and travel length is the main information needed.

What is the price of travel insurance?

This depends on your insurance plan and how long you plan to travel. Here on Frank, travel insurance underwritten starts only at 240 THB.

How far in advance should you buy travel insurance?

As soon as you're sure you're going! However, if want to organize your travel insurance last, you must buy travel insurance at least 2 hours before departure.