Answered2 years ago
What are some options for accident and emergency travel insurance in Thailand for seniors with pre-existing medical conditions?
I'm traveling to Thailand for 89 days arriving 4 October.
Aged 75 with pre-existing medical conditions: diabetes type 2 and peripheral neuropathy. Fully understood that these conditions would be excluded. Just need cover for accident and emergencies.
Axa Sawadee have turned down my online application due to these pre-existing medical conditions. I have emailed them about this and waiting for a response.
Any suggestions? Have previously contacted some specialists but all say too old to quote.
Aged 75 with pre-existing medical conditions: diabetes type 2 and peripheral neuropathy. Fully understood that these conditions would be excluded. Just need cover for accident and emergencies.
Axa Sawadee have turned down my online application due to these pre-existing medical conditions. I have emailed them about this and waiting for a response.
Any suggestions? Have previously contacted some specialists but all say too old to quote.
Answer summary
A user seeks travel insurance for a 89-day stay in Thailand, facing challenges due to age (75) and pre-existing medical conditions (diabetes and peripheral neuropathy). AXA Sawadee denied coverage until further communication. Other commenters suggest looking for insurance from home countries, recommending specific companies like Saga and Staysure, sharing experiences with high costs and exclusions related to pre-existing conditions. There's also mention of the option for accident and critical illness cover and self-insurance as potential alternatives.
56 repliesnewest first
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John *********
Can you get a 60 day visa waiver? Then get a 30 day extension? You can buy most meds in Thailand. No need for buying insurance, be self insured like me.
Peter *********
I'm in same situation but lot worse. No insurance will cover me.. No agent will help you.
If you have a fall they will say its your neauropathy .
If you have accidents they will find some way of blaming your health...
I have to self insured with my Super fund.. I'm 69
If you have a fall they will say its your neauropathy .
If you have accidents they will find some way of blaming your health...
I have to self insured with my Super fund.. I'm 69
Christopher *******
Western Company. There is no trust in Thai insurance companies. They are incredibly good at denying your claims. Hospital don’t trust either and often make you pay your bill and you have try to get reimbursed. Good luck with that, they know you are a tourist and that you will give up if they make it difficult to make claims. You have no rights here, no recourse and Thais just think you have money and because of this attitude you pay more.
Mark ********
Email Marcello Keller at AA Insurance Brokers.
*********************
. He will help you out.
Bill *********
Take out cover in Australia before you leave Maybee rac
Jo **********
please contact
@Arawan ******
she is professional and caringAnna ********************
Supermarket insurance quotes
Anna ********************
Admiral is good x
David **********
Go to thailand and apply for non o visa at immigration
Jim ********
Your airline will probably offer travel insurance
Jim ******
OPThat's what I really need, given that quotes exclude pre-existing condition s
. I'll be staying in Chiang Rai. Please send me his contact details.
. I'll be staying in Chiang Rai. Please send me his contact details.
Andy **********
Have you thought about just buying an accident and critical illness cover policy?? Most other things you could just self insure, where are you staying in Thailand?? I know a good insurance broker in Pattaya I use them myself, and lots of expats use them, it's a British fella that owns it, his Thai staff speak English, you could contact them for a quote, let me know if you want the details.
Jim ******
OP@Andy *********
Can you let me have his contact details please?Andy **********
@Jim *****
Stephen walker I live in Thailand, and i use them for medical insurance, they also sort my car and motorcycle insurance policies, I've just renewed with them again recently, send them an email to make enquiries first, if it sounds good, go to their office in Pattaya, and discuss your opinions, they will sort everything out for you. The first time I went to see them, I purchased a good 12 month accident insurance policy, I think it was ฿6500, I think you can buy a separate critical illness cover for a similar price, but I'm sure you're aware it very much depends on age and circumstances, my opinion is you should cover yourself for accident and critical illness at least if you can, they are the two things that would cost you a lot of money.Andy **********
@Jim *****
Macallan Insurance Broker Co., Ltd ************************
Andy **********
@Jim *****
have you tried to contact Pacific cross direct?? to see what their response is, apart from that I've heard of AXA and AIA are good insurance policies.Jim ******
OP@Andy *********
Unfortunately I am too old to qualify for their cover.😞Jim ******
OP@Andy *********
Thanks. I've dropped them an email.
Stephen ********
@Andy *********
Hi I am coming to Pattaya for 5 months and need insurance like this . Can you give me details please ? Thanks SteveAndy **********
@Stephen *******
Macallan Insurance Broker Co., Ltd ************************
John **********
I just got 220 days with saga, £550, existing issues covered.
Bp, colestoral.
Bp, colestoral.
John **********
Sorry 120 days.
Rini *********
Thats a problem
Henrik *****
Get a travel insurance in your homecountry, since it may include repatriation and / or summon of relatives in case of severe illness / accident / dead.
Billy ******
I'm 74 and use Luma Health, they don't even ask for pre existing problems.
Bill **************
@Billy *****
...what sort of cover have you got and how high is the cost ? I'm curious as I'm retired mid 60s living in Thailand without insurance...and it's something that is a worry to me from what I'm hearing insurance is unafordable once you get into your 70s...obviously I have funds set aside for emergencies but ....Billy ******
@Bill *************
it’s medical insurance cover in case of accident or illness, covering care and treatment, I only come for 11 weeks, and pay *****
THB.Bill **************
@Billy *****
...enjoy your stay in Thailand !
Vijay *****
Geoblue.com travel insurance..excellent rates...no questions
Vijay *****
Geobluetravelinsurance.com
Bob **********
At 75 and in good health is tough but pre existing???good luck
Chris ************
I'm 76 I have health insurance through Cigna with some exemptions for pre existing conditions.
Peter *********
@Chris ***********
trouble is you get injured and they it was caused by pre existingChris ************
@Peter ********
I guess that is always a possibility but any insurance will do anything not to pay out in my experience.Jim ******
OPThey quoted me nearly £2,000. Way too expensive when all pre-existing medical conditions are excluded.
David **********
@Jim *****
are they quoting you for three months travel time 2000? OmgJim ******
OPYep.
Jody ********
@Robert ********
......can you offer any insights?
Sandra *********
I am from the uk and I use staysure. I have diabetes 2, pacemaker, and have had stroke. They cover over 70s.
Jim ******
OP@Sandra ********
Quoted me over £1,500 with all pre-existing medical conditions excluded.Sandra *********
@Jim *****
I pay £600 yearly for world wide including my hubby
Jeffrey ************
@Jim *****
£500 a month is not unreasonable.
Kool *******
Your age is a big factor, and your pre-existing conditions, as they can be related to lots of different complications, resulting in not being covered if you were able to get insurance at your age.
Ronald ******
I have to have my gallbladder out my insurance company at Barclays Bank excluded all my pre existing ailments which was high blood pressure and cholesterol but covered me for anything else
Bernard *********
@Ronald *****
sounds about right.
Julian *******
Try saga
Tractor *******
Safeguard uk are very good
Nigel **************
Wear a Buddhist Amulet
Sue **********
Don‘t you have health insurance in your home country? Normally you can add a travel insurance for those 3 months with the same insurance you already have.
Jim ******
OPI don't have health insurance in the UK.
Stephen ********
Can you get travel insurance in your home country with good medical cover?
Jim ******
OP@Stephen *******
I have basic travel insurance for my trip but it does not include medical insurance.
Brenda *********
@Jim *****
try allianz
John *******
@Jim *****
All you can do is bring a credit card with a high credit limit.Stephen ********
@Jim *****
maybe you can find one that does and write the 1st one off. Likely to be your best option I think.
Rusni *******
if u need private car for pick up i can help u chat me pls
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