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What are the recommended medical insurance options for a Canadian expat staying in Thailand for six months?

Rick ********
asked Oct 20, 2026
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Hoping this is okay to ask on this page. Who are people recommending for "medical insurance" for six month stay in Thailand? I am a Canadian citizen. So many companies and such a huge price difference in so many quotes. Thanks!
Answer summary
A Canadian citizen inquiring about medical insurance options for a six-month stay in Thailand received various recommendations. Some suggested using Canadian travel insurance companies like Pacific Blue Cross, while others recommended switching to Thai companies like Axa or Luma. Additionally, it was noted that Canadian companies might be more suitable based on personal health conditions and that speaking to an insurance broker, like ExpatInsure, could be beneficial.
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Nantanat *****
Nantanat *****
I can provide you with a free quote and advice.
Rick ********
Rick ********
OP
i dmd u
Robert *********
Robert *********
Canadian here ..I did Canadian travel insurance for years

But

I will.switch to a Thai company now

Axa or Luma
Rick ********
Rick ********
OP
I utilized AXA before, I will look into LUMA as well. Thank you!
Bob ********
Bob ********
I've used pacific blue cross..very reasonable
Rick ********
Rick ********
OP
Thanks, very popular worldwide and yes, reasonable!
James *******
James *******
So you’re looking for travel insurance, not health insurance.

Depending on your age, medical conditions, etc,most Canadian insurance companies will be fine helping you.

I would suggest that’s better than trying to find a policy in Thailand.
Rick ********
Rick ********
OP
James Allen travel insurance by definition of the contracts covers the "trips" including flights etc. "travel medical" covers hospital costs in Thailand for accidents and illness and the like. I don't need to insure "My trip" via the "travel insurance" I need to have travel medical. Prices are ranging from $100-$400 per month depending on deductible, amount covered and "what" they cover. I love this forum because many people are offering particular options that are great for everyone to see, including yourself. So thanks! p.s. During covid AXA (thailand insurance) was one policy that immigration officials recognized right away and was approved as a "covid" friendly policy that covered hospital stays as a result of illness from Covid and covid related hospital stays.
James *******
James *******
Rick Bazuin yeah, I buy travel insurance as well, so I know what it’s all about.

Health cover means it’s a permanent, ongoing thing. If you have a condition, it’ll be treated and you can remain on your vacation.

If you have travel medical insurance, and something happens, they can end your vacation.

Most Canadian travel policies tie in your provincial medical policy.

Health cover is independent, it does not factor your Canadian coverage at all.

The Covid regulation is not required, and for a tourist, there is no specific guidance for a Thai or foreign policy at this time.

As a caution, depending on your age and health conditions, often the Asian policies are very restrictive on westerners.

Preexisting, BMI, etc, all are factored.

If you have a Canadian travel policy, unless you’re over 65, that probably will not come into play as much.

I don’t think you’ve offered too many details about what you’re trying to cover, in terms of health, age, pre-existing, etc.

But I would still suggest you look at Canadian policies rather than foreign policies, if you want assurance
Rick ********
Rick ********
OP
Thanks for this great info!
Dave *******
Dave *******
Have you checked Travel / medical insurance firms in Canada ?
Chris ********
Chris ********
I would speak to a broker and see if they can help you - someone like
@Expat******
perhaps??
Rick ********
Rick ********
OP
Chris Carter did that, and many were very helpful. Thanks!

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