How does having a retirement visa in Thailand affect my travel insurance coverage?

Your travel insurance will be fine until it expires but you probably won't be able to renew it. You should inform your government yourself that you no longer live there

The real issue will be the ability to renew it.. since most travel insurance is sold to people in their home country.. on the basis that they will be travelling but returning to said country at some point.. and maintain a permanent residence in that country.. a maximum trip length is a standard clause in almost every policy for this reason.. with 60 or 90 days being the norm.. since genuine tourists rarely holiday abroad for longer than this in a single trip.. that's how insurers protect themselves from the excessive risk associated with someone living overseas for an extended period.. and if you have a claim for medical expenses say, they are likely to seek copies of your passport pages to prove your travel history.. ie. how long you have been in the country where you are hospitalised and whether you have spent time in other countries immediately prior to that.. so they can check if your claim meets the day rule.. i have never seen a multi-travel annual policy that does not contain such a limitation.. and where a longer travel period is granted (eg

180 days) there is often a clause limiting the time in any one country.. meaning your cover would not be active if you stayed in a single country for those 180 days.. since that would be tantamount to living there.. so a clause might say 'max 180 days per trip with max 60 days in any one country' or words to that effect.. i bought a 90-day travel policy when i first came to Thailand for that reason.. knowing i'd fulfill the claim requirements during this initial period.. but knowing that I'd be wasting my money with an annual policy.. and i couldn't buy another 90-day policy upon expiry without returning to the Uk.. since that insurer only offered cover to Uk residents with a Uk address who are in their home country at the time of purchase.. and most insurers follow similar principles of business.. because it's basically a short term holiday policy and not a permanent health insurance policy.. the premiums for the latter being 10-20 times higher for most people.. so I'd check your policy again and even raise the question of maximum trip length with your insurer directly.. as well as ability to renew if you are no longer living in the country where you bought the policy 👍 Ps. Speaking as former general insurance broker with direct experience of t&c's.

@TeacherNok **************

Very interesting questions

From France at least visa covers perfectly for 3 months

Nobody can answer that question.

Just read all the t&c of your insurance contract carefully.

The answer is in black and white.

If its annually holiday insurance you have? it only covers you for first 30 days from your arrival in a foreign land, personally l have a policy which covers me for first sixty days in a foreign land from date of arrival as l never stay in a foreign land more than sixty days.

Depends who your insured by, travel insurance is just that, travel !!!

Mine states no longer than 90 days per trip.

I also have yearly travel insurance. But most, if not all, have maximum amount of days from leaving your home until return home. Or, extend duration of vacation with insurance BEFORE leaving home. Mine is 10 weeks, but can extend. Terms of your insurance is best discussed with insurance company.

Been a retired person, your travel insurance does ofc still apply. Return to your home within time limit and it works fine.