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What are the experiences and recommendations for Pacific Prime insurance and other options in Thailand?
Health InsurancePacific PrimeExpats in ThailandInsurance RecommendationsPacific CrossCigna GlobalTravel InsurancePre-existing ConditionsHealth CoverageRetirees in Thailand
Jan 31, 2026
3 months ago
Et7****
ORIGINAL POSTERNot visa related
Hello everyone!
I’m planning to get Pacific prime insurance. Any of you have used it before?
Or any other recommendations?
Thank you
Hello everyone!
I’m planning to get Pacific prime insurance. Any of you have used it before?
Or any other recommendations?
Thank you
TLDR : Answer Summary
The discussion revolves around experiences with Pacific Prime insurance and various other insurance options available for expats in Thailand. Users share personal experiences with different insurers, like Pacific Cross and Cigna Global, and recommend getting local insurance advice, especially when considering pre-existing conditions. Suggestions include contacting brokers in Thailand, being aware of potential exclusions, waiting periods, and the importance of having sufficient savings for unforeseen circumstances. Overall, the community emphasizes the need for tailored coverage based on individual circumstances.
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Chris **********
APG on Soi 12 in Pattaya. Jay can help.
David *******
How old are you may I ask?
Et7****
ORIGINAL POSTERDavid Smith 27
David *******
Et
Just ask many for quotes.
*****
Ok maybe good for you but no good for the elderly.Just ask many for quotes.
Et7****
ORIGINAL POSTERDavid Smith Will do, thanks
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Et7****
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Robert ************
i read all these insurance companies people recommend. but do they cover pre existing conditions? do they pay their claims? do they pay directly too the hospital?
Exciting*********
I also got one through
@Insurance ********************************
…. But I decided to go with their axa quote with a deductible, it just fit my needs a little more ….They were very helpful and knowledgeable….Et7****
ORIGINAL POSTERExcitingTiger9136 Thanks I’ll contact them too
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Et7****
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Alexander *************
Pacific Cross was Earlier a catastrophe and could charge up to 120% higher premium if you used them. But they changed their policy abolishing the extreme individual charging scheme getting more in line with others. However, they are not the cheapest alternative and the premium accelerate quite much at higher ages. The cheapest alternative is today WR-life.
Ron ******
Contact Alan at ThaiExpatHealth. He suggested the best plan for my situation, all I had to do was the medical and pay the premium. Job done, excellent service.
Et7****
ORIGINAL POSTERRon Duke Thanks! Do you think you can share me his direct contact?
Ron ******
Et72819
**********************
*****
alan@thaiexpatclub.comReply to
Ron ******
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John *********
Pacific Cross. Decent and comprehensive. But should you have any pre conditions can be problematic. Watch out for waiting periods and exclusions. Pacific Prime were not the best Broker to be fair. Do NOT try to arrange Thai Medicare cover while overseas. Use Travel insurance initially and use a reputable and recommended Broker within Thailand in person after arrival. Your Travel Policy allows that element of flexibility. Allow plenty of time the underwriting process can take far longer than anticipated.
Et7****
ORIGINAL POSTERJohn Kenealy Thank you! I do have insurance already, but my overseas company recently made some changes and it now only covers emergencies in Thailand. That’s why I’m looking for additional coverage
Chris **********
Et
*****
I currently have a no deductible WrLife policy I have had for 3 years that I got through Jay at APG.Reply to
Chris **********
Reply
Ralf **********
You've completed your research and made your decision 👍 but we don't know your circumstances and needs, so we can't judge your decision.
The important thing is that you are insured and have a reliable contact person.
The important thing is that you are insured and have a reliable contact person.
Mel ******
regardless of who you choose, always be sure to have plenty of savings in case your insurance (even if expensive and company is based in Germany) preapproves your surgery and then denies your claim after you have the surgery and then says they will make an exception and pay your claim and then deny your claim again.
Todd *********
Interested in your post, looking for insurance as well
Mark ***********
I got setup with Cigna Global through Pacific Prime. Agent Taylor was knowledgeable and helpful.
Brad *********
Mark Etheredge how much per month
Mark ***********
Brad it depends on age and coverage. I suggest contacting them and get an idea, there’s a variety of plans.
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Mark ***********
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สก็อต *********
Just had a quote with them
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สก็อต *********
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