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Answered6 months ago

Do I need travel insurance when applying for a 90-day Non-O visa in the UK?

Derek **********
asked Apr 30, 2026
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when applying for a 90 day non o visa in the uk do i need travel insurance
Answer summary
When applying for a 90-day Non-O visa in the UK, travel insurance is not a requirement. However, many commenters suggest purchasing it for peace of mind due to potential health and travel risks while abroad. While it is not mandatory for the visa application, having travel insurance or health insurance is considered a prudent choice for those traveling to Thailand.
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Nigel **********
Nigel **********
Not if he has sufficient funds to self insure. Nothing like paying all those premiums to have a claim refused…
Derek **********
Derek **********
OP
you have hit the nail on the head
Betty *********
Betty *********
Always have travel insurance, even a small accident can cost you a fortune.domething serious ,millions.
Dave ******
Dave ******
No
John *********
John *********
No.

But should you intend on extending that Visa to stay 15 months. This may be the way to go.

Three month Travel policy.

Which offers flexibility options and time to…

Research and find recommendations to local Brokers after arrival. Because the underwriting process takes longer than you may think. Or self fund. I cannot reccomended the other option. Nothing 😬
Derek **********
Derek **********
OP
John Kenealy thanks John you understand what I am trying to do some of the comments I have received are from very stupid people
Deane ********
Deane ********
🤦‍♂️
Flemming ****
Flemming ****
No, but only idiots travel without travel insurance 🤣🤣🤣
Simon ********
Simon ********
No but advisable to get anyway
Phil ******
Phil ******
Derek Hemstock no
Greg ***********
Greg ***********
An insurance is not a requirement for the application to a Non-O Visa. And a travel insurance only covers a brief period of a holiday trip. If you want to have a health insurance that covers a longstay in Thailand, then you have to search for a Foreign Longstay Health Insurance class which is above the level of a simple "travel insurance"
Derek **********
Derek **********
OP
Greg Alexander 90 day visa not 1 year visa
Greg ***********
Greg ***********
Derek Hemstock btw, there is nothing such as a one-year visa, unless you mean the 1-year Non-Imm-O/A Longstay Visa. The Non-Imm-O Visaclass is only available for 90 days
Greg ***********
Greg ***********
Derek Hemstock you can sign a travel insurance for the first few weeks, maybe you find an insurance that cover fully 90 days of the stay in Thailand. But simple "travel insurances" normally do not cover anything beyond these 90 days. Barclays Visacard helath insurance for example only covers the first 90 days
Gary *********
Gary *********
No not needed if your a British citizen
Philip *********
Philip *********
F apply o no if apply oa yes
Allan *******
Allan *******
Philip Gornall keep taking the tablets
David **********
David **********
Not yet needed but may be changing.
Petrov ********
Petrov ********
Do not need for O visa. But you can check your Credit Cards may be you have insurance there.
Paul ***************
Paul ***************
When applying for the mentioned visa you do NOT need travel insurance.
Derek **********
Derek **********
OP
if you are so clever send me a link not verbal diarrhoea
Mike ********
Mike ********
Peace of mind? Can also depend on age and health
Derek **********
Derek **********
OP
i am trying not to jump through all these hoops to find the answer
Derek **********
Derek **********
OP
thanks for your advice you must have tried a few to give me this advise
Derek **********
Derek **********
OP
i would not hav asked this question if the information was available on the london web site can you send a link to the question thanks
Ray ******
Ray ******
No
John ********
John ********
At the moment you don’t need travel insurance but they are taking about everybody having it .

Too many accidents which non insured people
Simon *******
Simon *******
Don't get travel insurance if you are coming to retire in Thailand, look at medical insurance just incase
John **********
John **********
A Non-O visa has no insurance requirement
Graeme ******
Graeme ******
Hi Derek no you dont need travel or health insurance to apply and get the visa. I would suggest for your own piece of mind buying travel insurance just in case
Dek ******
Dek ******
Graeme Mort you won't get travel insurance for 90 days i don't think
Nigel ***********
Nigel ***********
Dek Carp depends on your age. Your heath issues some companies will let you once a year on annual polices let you do an extention for an additional fee i think its 100 days max
Graeme ******
Graeme ******
Dek Carp yes you can I have it for my trips to thailand
Dora *******
Dora *******
No
Andrew ********
Andrew ********
Why wouldnt you want to have it anyway ?
Jason *******
Jason *******
Andrew Romine absolutely none of your business, it's a yes or no answer. He asked the question not you.
Andrew ********
Andrew ********
Jason Eades for example tourist come to thailand with insufficient planning and lack of insurance with peril strikes leaving them stranded with no money to survive or get home with

**********************************************************************************************************************************
*****
88/a-silent-crisis-the-rise-of-homeless-foreign-nationals-in-thailand#google_vignette
Andrew ********
Andrew ********
Jason Eades its a suggestion and advice thats what this group is asking questions and getting advice - thats what this is for the whole point of groups like this.

Do you know how many tourist come to thailand and get an unexpected hospital bill due to sudden illness ?? Or get hit by a car on a motorbike

Yeah that will ruin ones vacation quite easy and then being stuck with medical bills that can reach 300k baht really damn quick
Lynnette *******
Lynnette *******
Andrew Romine it's not a requirement for the visa, but he may want health cover, flight protection, baggage/cash/gadget cover, cancellation cover, repatriation etc whilst he gets his extension sorted.
Andrew ********
Andrew ********
Lynnette Munoz yes its not a requirement as of yet - my comment said "why wouldnt you have it anyway"

Meaning

Although its not required - having it anyway is highly recommended

Seriously why does it seem that critical thinking is all but gone with people these days
Sylvia ********
Sylvia ********
Andrew Romine possibly buying it later, or wants a Thai health cover? The question was it a requirement for the visa
Andrew ********
Andrew ********
Sylvia Corley again - critical thinking - like condoms, may not always need them but its a damn good idea to have them avaible

Travel insurance is a good idea to have when you are in a foregin country just incase something happens - accident or sickness.

Critical thinking skills :

My comment was leading to the suggestion of having travel insurance is a good idea, required or not.
Derek **********
Derek **********
OP
Andrew Romine
Derek **********
Derek **********
OP
my question was do i require insurance
Paul ********
Paul ********
Derek Hemstock yes sorry Derek there’s always a dickhead in this group. No, you don’t. You can do it at your leisure.
John ********
John ********
No but you would be a fool not to
Derek **********
Derek **********
OP
John Harvey my question was do i require insurance simple yes/no
Jørgen ********
Jørgen ********
Derek Hemstock NO
Ruud **********
Ruud **********
Derek Hemstock Google it
Gordon ************
Gordon ************
I love the “aggression” it’s the best😂😂😂 Never take the advice that’s offered 🤮🤮🤮 #coco
Ant ***********
Ant ***********

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