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Can one spouse apply for a Non O trailing visa while the other holds a Non OA visa?

May 9, 2025
2 days ago
Michelle *********
ORIGINAL POSTER
Starting to feel a bit defeated. We (60+) are coming from Canada in September but struggling to find a visa that we can make work for us. My husband and I are able to scrape together 800,000 baht for one Non OA visa, the rest of our money is in retirement portfolios (RRSPs).

I was thinking I could come on a Non O trailing spouse 90 day and extend to match his once we arrive. Has ANYONE done this??
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TLDR : Answer Summary
The post discusses the challenges faced by a couple from Canada, aged 60+, who are planning to move to Thailand and are struggling to navigate the visa options available to them. They have 800,000 baht for one Non-OA visa and are considering a Non-O trailing spouse visa for the other spouse, but are unsure if this is possible. Comments from the community provide insight into the requirements for obtaining the Non-O and Non-OA visas, including necessary funds, health insurance, and the option to use an agent to facilitate the process. Key considerations include ensuring compliance with embassy regulations regarding trailing spouse visas and the potential costs of health insurance.
NON-O RETIREMENT VISA RESOURCES / SERVICES
  • Go to the Retirement Visa Section for information on requirements, including age restrictions, financial requirements, and necessary documentation.
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  • Explore recent discussions by using the Non-O Retirement Visa tag in the search box at the top of the page.
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Sacher *******
Try Mauritius
Andrew ********
You can come to Thailand under visa exempt for 60 days plus 30 day extension. If you are looking to just come and visit first
Mark ********
Read the. Thai immigration website. I know for sure some of these post have wrong info.
Greg ******
Given everything, it seems the easiest route for you is for one or both of you to use a Thai visa agent. You would enter on the 60 day visa exemption and then work with the agent. (They have resolved the bank account issues that arose a couple months back, so that should no longer be a problem) If you apply for the Non O from within Thailand, you do not have to meet the health insurance requirements. Visa agents will typically charge you about 30,000 baht to fullfil the financial requirements on your behalf including opening a bank account, and you will get the 90 day Non O and the 12 month extension of stay. Renewing with an agent each year then costs about half the original amount. It is becoming more problematic to stay in Thailand for extended periods using the visa exemption (60 days) plus the 30 day extension, followed by a border bounce which as of this writing will still get you 60 days, wash and repeat - Thai immigration is cracking down on this and you can get denied after doing this a couple times, or not - you might get by this way for an extended period, but the old days of being very confident that you can keep doing this are over.
Milan *******
As long as you make 80,000 Thai baht a month give one the 800,000 and the other use the monthly income
Kevin *********
@Milan ******
will the Thai authorities require to see 1 year's income first?
Milan *******
@Kevin ********
yes but you can just show a deposit
Kerry *********
I am also from Canada (BC) and would like to talk to you when you get everything sorted out!
Steve *********
Where in Canada are you from? I would try and consult with your nearest Thai Embassy
Chris *******
Yes you can definitely do this.

As per the embassy in Ottawa.

To make this work you will need to move 800k to Thailand before doing in country extensions for the OA.

The non-o dependant receive 90 days and enter, then in country 1st extension will match the OA, not a full year.

It will align correctly when the OA holder extends in country.

You must always have Thai approved health insurance.

You will have to measure the cost of health insurance and it doesn't get cheaper as we age.

The agent option is there, would be somewhat costly yearly to maintain and you get stuck in the agent loop, always need an agent.

This is an email from the embassy and has contacts to ask questions.

Dear Applicant,

Regarding the telex from the Ministry of Foreign Affairs of Thailand on 9 November 2022, the Royal Thai Embassy cannot issue Non/O visa for a trailing spouse if the main visa is Non/O-Retirement or Non/O Volunteer visa. Because it is in the same category.

But we can issue Non/O visa for a trailing spouse/ dependent if the main visa is Non/O-A.

Kind regards,

Visa Section,

Royal Thai Embassy

180 Island Park Drive

Ottawa, ON K1Y 0A2

T : 613-722-4444

F : 613-722-6624

Website :
*********************************
Michelle *********
ORIGINAL POSTER
@Chris ******
thank you. Question. So my husband gets his Non OA in Canada BUT has to deposit his 800,000baht in Thailand? Or are you saying the trailing spouse must deposit 800,000baht in Thai bank? Sorry, I'm a little confused.
Chris *******
@Michelle ********
he will get the oa based on money at home.

Then when in Thailand will need to move it to a Thai bank account to do 1yr extensions.

This will be needed as the trailing spouse will get extensions off if his his OA and extensions of it.
Michelle *********
ORIGINAL POSTER
@Chris ******
ok so we BOTH don't require 800,000
Chris *******
@Michelle ********
yes in theory you should be able to do it that way.

Use the ottawa embassy contacts and ask the questions and be very clear.

Personally the OA is not a good one and you'll be tied to it.

You may DM me directly if you like and I can explain more in depth.
Dean *********
If you're coming in on an OA why not do the minimum money transfer each month? You'll need money coming in anyway to live off of. I find it much better than keeping 800,000B in an account.
Willem ****
@Dean ********
You can not start with monthly transfers at your first extension. Thai immigration tend to ask proof of 1 year monthy treansfers with a minimum of 65k baht.
Michelle *********
ORIGINAL POSTER
@Dean ********
we are not yet drawing on our pensions. Waiting until we draw down our RRSPs
Todd *********
You are planning a major retirement lifestyle improvement leaving Canada for Thailand. There is no better reason to cash in some RRSP’s.

Failing that, agents cost about 36,000 baht for the first 15 months and only 16k baht for annual renewals after that. And no need to bring the 800k x2 over to Thailand. Enjoy the transition! It’s 100% worth it!!
Michelle *********
ORIGINAL POSTER
@Todd ********
it's a huge 30% tax hit to get $33,000 (800,000 baht) that makes it $43,000. Withdrawal amount before tax 😬

I looked at using an agent but apparently the government has changed the rules on bank accounts making it difficult for the agents?

I'm running out of options.

I will see what the embassy here says about Non O trailing on a Non OA visa.

Otherwise, it will be a 6month METV and alot of bouncing and 30 day extensions just to get 9 months stay.
Todd *********
@Michelle ********
yes - but your tax hit is coming regardless. I know it sucks, but Canadians often forget that the federal govt is part owner of our RRSP’s. And even as a non-resident, they get their share. There is no way to avoid. And you can recover part of that 30% at tax time if your income is not otherwise high this year.

Reach out to
@THAI *****************************
via Messenger or Line app and they can advise about the specifics of your situation and give precise cost.

You can also look at soft power options for DTV. 5 year visa but you must exit every 180 days.
Michelle *********
ORIGINAL POSTER
@Todd ********
Exiting every 180 days isn't a problem. Getting A DTV on soft power is the challenge LOL
Todd *********
@Michelle ********
haha. Yes, exit is never a problem. Luckily don’t need to at all, but we travel a ton.

Did you get DTV in Canada or other?
Michelle *********
ORIGINAL POSTER
@Todd ********
no, I haven't applied for any as yet. As I said, I am finding that either they want too much lump sum in the bank for 2 people, or we may be rejected for a DTV soft power because of age (60+). I'm afraid to try the DTV route, it's a pricey gamble.
Todd *********
@Michelle ********
are you here full time now? We live on Koh Samui, but have mostly spent this last year travelling.

Yes - the lump sum doesn’t make much sense to me. If you can arrange the 65k baht monthly income, it seems a good method or just use an agent for simplicity.

Yes - I see quite a few DTV rejections. Interesting
Lili ********
@Todd ********
R u on retirement visa or non immigrant O visa? How many years have u been in Koh Samui? Is Koh cheaper than Hua?
Todd *********
@Lili *******
I’m now on the 10 year LTR. Used agent visa before that. Came here for Covid as it was clear Canada was gonna struggle with managing it. So have been here 5 years now.

Overall, Koh Samui fairly expensive for Thailand. Likely more than Hua Hin
Michelle *********
ORIGINAL POSTER
@Todd ********
we are still in Canada. Coming out in Sept so time is running out.
Lili ********
@Michelle ********
have u tried to get a cheap retirement visa for Cambodia n u can bounce between Thaïland n Cambodia. My RRSP is non redeemable n I will leave it there till 71 in 3 years. During my DTV I will get a Cambodian retirement so every six months I can have a holiday instead of extending.
Michelle *********
ORIGINAL POSTER
@Lili *******
that is definitely an option I will look into. We really enjoy Siem Reap. Is your DTV work or soft power?
Lili ********
@Michelle ********
dental soft power. I live a frugal but comfortable Life n prefer to spend my money travelling affordably within Asia. You need at least $1,000 to $1,500 CAD to live in Hua Hin per month comfortably without extravagance. I don’t need alcohol coffee dope sex n smoke. Once a week I treat myself to high tea or brunch or some nice treat from $20-$100 CAD that would be more or not Available in Canada.
Michelle *********
ORIGINAL POSTER
@Lili *******
that sounds absolutely lovely!! May I ask which dental office you used? I am in need of some crowns and possibly a few veneers.
Lili ********
@Michelle ********
Nana Dental centrally located between the two malls Bluport n Market village.
Todd *********
@Lili *******
do you actually need to hold a Cambodian retirement visa as you are only visiting once every 6 months. You could also use Phu Quoc as your exit point. No visa is required for the island
Lili ********
@Todd ********
I prefer to have a cheap retirement visa in Cambodia while living in Thailand. I used to work for Ontario government n the union fought to control our pension like the Teachers union but sadly OPSEU is not as savvy or honest as the Teachers who own their own merchant bank etc. When I left my pension seemed to progress well n later started going downhill n I moved it into an RRSP n just before I turned 55 I took them out in three parts but lost big amount of money but I felt necessary to travel the world n have no regrets. Had I left it I would collect about $100 per month as pension for every year worked as per my former coworkers. I do not have much superannuation because I only have about 6 years but I still have CPP n OAS so I have enough n do not need to access my new RRSP yet. I would have at least twice as much superannuation had I not redeemed it but over a certain threshold Government will claw back OAS.
Todd *********
@Lili *******
the OAS clawback doesn’t apply for non-resident Canadians in about 40 countries. Unfortunately neither Thailand nor Cambodia is one of those nation. Some Canadians exit to Mexico first to establish non-residency and then permanently avoid the clawback.

Fair enough with regard to the Cambodia visa. I don’t think it’s at all necessary with DTV in place as you have many available options for border bounces and some (like Malaysia) offer 90 days entry each time for Canadian passports.

I’m retired federal govt, and still some years from CPP or OAS but look forward to it 😂. Enjoy 🇹🇭 and 🇰🇭!! Both fun
Sonja *******
@Todd ********
is that per person or for both?
Todd *********
@Sonja ******
per person.
Brandon ************
Your plan is certainly an option. But you MUST make sure that your embassy will allow a trailing spouse non-O based on a non-OA visa.

Also be aware of the non-OA visa requirements, as they are extensive and will require you to purchase annual insurance from a Thai company.

If the money is an issue, you can always resort to using an agent in Thailand to bypass that requirement.
Jan ******************
You’ll simply just have to contact your Thai embassy and ask them if they’ll allow one of you to apply for a trailing spouse Non O visa on the others Non O-A.
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