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Answered9 months ago

What are the visa options and medical insurance considerations for retiring in Thailand?

Kenny ********
asked Feb 5, 2026
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Hello, hope everyone is well. I’m considering retiring in Thailand at the end of the year I’m going to retiring Koh Chang I think I will get someone on the aisle to help me with the visas. I’ve been reading a lot what you say and it sounds quite simple but I may make a mistake. What I am interested in is how much is the medical insurance and which is the best place to get it? I’m 65 quite healthy go to the gym every day I did a bowel cancer five years ago well that’s all been sorted now. I have the funds to put in the bank for the Visa. That’s not a problem and a regular income I also have a dog and I’m thinking of bringing the dog Has anyone ever brought their dog it very expensive to do? I have researched a bit and it seems to be between two and £4000 

Thanks 👍🏻
Answer summary
The conversation revolves around a user's plans to retire in Thailand, specifically in Koh Chang, and the associated challenges such as obtaining the correct visa, securing affordable health insurance at the age of 65 with a history of cancer, and the logistics of bringing a pet dog. Multiple comments offer advice on visa options, like the Non-O and Non-OA visas, which operate under different requirements, particularly regarding insurance and documentation needed. Health insurance recommendations are discussed, noting that it may be challenging to find affordable options due to pre-existing conditions. Additionally, insights on bringing pets into Thailand highlight the necessary preparations and paperwork involved.
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Wayne ********
Wayne ********
Just my opinion in a month or two living on Ko Chang,  you’ll be bored out of your mind
Kenny ********
Kenny ********
OP
@Wayne *******
have you been to koh Chang there is lots to do there and lot to see I like to go to islands close by & go snorkelling I have a scooter and a house I rent for 12 months I have a girlfriend she and her dog lives in the house I just need to sort my business out and sell all my toys and just go 👍🏻👍🏻👍🏻
Wayne ********
Wayne ********
Kenny Norris actually I just got back about 10 days ago. My wife and I took a little holiday little time off from the farm.
Wayne ********
Wayne ********
I’m sure you’ll be happy if that’s what you like to do.
Kenny ********
Kenny ********
OP
@Wayne *******
I have lots of friends there my friend that has been going there for 19 years knows lots of bar owners and expats I am in a pool team I play for Bentley’s was white elephant 👍🏻 i don’t think ill get bored 👍🏻👍🏻👍🏻👍🏻
Steve ********
Steve ********
You can do all of the paperwork yourself but Google importing a dog to Thailand. There is a lot of paperwork all on tight schedules but it can be done. We did and brought our little Maltese in the cabin with us from Boston to Bangkok on Korean Airlines. Only three animals in the cabin per flight so advance planning and coordination is important or your dog will fly in baggage. Korean Air did a nice job. Arrival in Bangkok airport requires final paperwork at animal control but the Thai staff were great and very helpful too. Good luck.
Graeme *******
Graeme *******
Now after my medical history , visa from what happened to me. Obtained a Non O visa 1 year multiple entries, stamp on it, following wife to Thailand, ok arrived after a few problems as said came here during covid so 2 weeks isolation this end. Arrived at our place of living in Borabue, went to immigration the next day to confirm our address, the told me that I now have 90 days to sort my visa extension for a further 1 year plus gave us all the info. Hadn't even looked at passport said thought I had a year, yes but only 90 day, otherwise leave and come back, ok.

So unfortunately had to return to NZ in July back to immigration and they gave 30 day extension, ending 1 day after I leave for NZ went back to NZ then returned to Thailand doing isolation at both ends. So when I came back another 90 day stamp, time to open a bank account and get through the extension paperwork. Went immigration got a letter saying I now live here etc took it to the bank open an account in my name only and injected 420,000 baht.

Started on the next subject letter from local government (Amphur) told my wife paperwork no good as they consider her single, what!. Eventually found a place in.Bangkok that confirms NZ marriage certificate plus my passport the they take it all to Internal Affairs s and get it rubber stamped, yes we are married think the Bangkok people charged around 3,000 baht did a good job. Local Amphur then issued a letter yes they are married. Had a friend take pics of us together around out house and outside by letter box . Got a map done showing from immigration to our house. Plus about a week before going to immigration got letter from bank showing funds. Went to immigration mid Octobler all paperwork ok and they would come for a visit, so the arrived in November a few forms to fill out all taken care of by our witness the villisge 2IC.

Got a phone call visa approved came and get it. It is certainly easier after doing the extension a few times now
Stuart ***********
Stuart ***********
There's an easy way and a difficult way. The difficult way is to arrive in Thailand without a visa.

Easy way:

1. Get a 90 day non-O visa based on being over 50 from the Thai Embassy in the UK.

2. Travel to Thailand, open a bank account as soon as you get here and transfer 800,000 baht into your account within the first 2 weeks.

3. Go to your immigration office and get a list of their requirements to extend your stay for 12 months and the form to apply.

4. Get everything together that the immigration office needs and apply once your money has been in the account for 2 months.

You can then repeat stage 4 each year to extend for a further 12 months.

The form to apply is approximately 15 simple questions (things like; name, passport number, address, date arrived in Thailand etc). Don't believe anyone that says it's complicated as it is not and the immigration officers are helpful. Good luck.
Max **********
Max **********
Having had cancer you will probably find it hard to get affordable medical and hospital insurance here.
Graeme *******
Graeme *******
Robert Harrington don't get to stressed out about the medical care, I came here 6 years ago,yes during covid bloody nightmare, but we had sold up in NZ and living in a motel then finally go the ok to travel. Arrived all ok now, some things over here a bit tricky like insurance I had it from the start but the company made it do complicated I told them forget it and paid for operations myself plus now no insurance. Go to a Private Hospital to see the doctor when I think it is a real problem, like I just had kidney and gall bladder stones, had 2 CT scans stayed two nights 16,000 baht. Sent me to a urologist first two meetings no charges, said drink water to flush them out, did that took about 3-4 moths including two visits to local hospital because of the pain stayed a couple of nights in private room 10,000 baht, to cut a long story short stones passed all good. Now medication I had an old prescription from N Z for meds due to heart operation when 50 had ventricular fibleration so dead for a 20 seconds but came back spending 2 months in hospital then 6 heart grafes. So back to life in Thailand I go to the local chemist and get Losartam, Allopurinol, Atovarstatin plus ASA, all up about 800 baht for 40 days meds.
Sean **********
Sean **********
If you have the 800K that can just sit in an account I highly recommend going the Non O route. It's fairly easy and really does not have as many requirements to be met. No need for an agent. I am going on my 3rd extension next month
Betty *********
Betty *********
Try a few health insurances in thai land. You have to mention precexisting illnesses. Lots online. Someone wiill reply here.I only know Pacific Cross , and Allianz.
Kenny ********
Kenny ********
OP
Betty Hurford thanks ill have a look at them 👍🏻
Mark ******
Mark ******
If you want clean, accurate unbiased advice; ask ChatGPT
Frank *********
Frank *********
a pre existing condition and 65 will be difficult to get affordable health insurance
Robert ************
Robert ************
Frank Peeters yes im already stressing that out as i will be retiring too thailand in 3 years 11 months. will be 65 have plenty of money but i want too protect it. im married too a thai lady she will buy us brand new home with her money she has saved and said i can live there in udon thani. but i have many pre existing conditions and im starting too wonder if this is going too work. high blood pressure high cholestrol thyroid type 2 diabetes. and i will probably have too keep my usa medicare. but it looks impossible too find affordable coverage care in thailand. i have had some reasonable quotes from cigna for about 600.00 a month which would still be manageable. but i dont know if they are reputable and pay their claims
Frank *********
Frank *********
Robert Harrington all those conditions are reversible by a lifestyle change. About insurance, many people choose to self insure
Anthony **********
Anthony **********
Dropping 30 kilo would be a big help
Robert ************
Robert ************
Frank Peeters well all the numbers are doing good now but it is with the medications. cholestrol doing good blood pressure always
******
but i asked doctor can i stop the blood pressure medicine now she said oh no thats why you are getting good reading because you take your medicine everyday. same with my diabetes it is good now but i take mounjaro which is expensive i pay 164.00 a month with my insurance covering the other 1200.00 but in thailand i dont know how much mounjaro will be or if it is even availible. and those conditions will still count as pre existing conditions im worried anything happens heart attack or stroke then whoever insures me will try too not pay claiming oh that was from pre exisiting condition
Lynnette *******
Lynnette *******
In a nutshell. Applying from home country you can do Non-OA but have to get insurance from a limited list of Thai insurers, and police check. It's valid for same duration as insurance.

Or you can do a Non-O which requires neither.

With Non-O you get 90 days on entry and open bank account, deposit 800k, season it, then apply for 12 month extension which you can repeat every year by meeting requirements.
Kenny ********
Kenny ********
OP
Lynnette Munoz thank I will have a look what the requirements are with the 90 day one it’s the 12 mouth one I was thinking about but I don’t intend coming back to England I’m selling up so will need insurance just in case something happens I have a bungalow on permit rent at the moment.

Thanks for the help

It’s not as simple as people think just moving to Thai
John **********
John **********
@Kenny *******
the 12 month Non-OA visa can only be obtained in your home country not in Thailand. It requires insurance, police checks, etc. I'd suggest you get the 90 day Non-O before you travel to Thailand which will allow you to open a bank account, deposit funds and apply for a 12 month extension of stay in Thailand, you can then sort out health insurance yourself if you want it
Kenny ********
Kenny ********
OP
@John *********
thanks 👍🏻
Lynnette *******
Lynnette *******
Kenny Norris the non-O gives you enough months to get everything done for the 12 month extension which costs 1900tbt. . If you're not planning on going back home it might work well.
Kenny ********
Kenny ********
OP
Lynnette Munoz thanks I’m just reading up on it now I can get the 90 day one in hopefully koh Chang I know a man that knows I man that does visas I’m going over
***
/26 will try and get my head around things hopefully the man can help me

Apparently, that’s what he does for some of his living is English .

 I will be going back over in December hopefully I will have got rid of all my toys rubbish but you do not need when you live there then I can open the bank account with a 90 day Visa when I’m there because I read that you can have a holiday Visa 30 day or 60 day and apply for a non o When you get there put things changing into Alon so I will see what the legislation is closer to the time. Thank you so much for your help. It’s nice knowing people that have been there done it and had the T-shirt.

Thank you so much
Lynnette *******
Lynnette *******
Kenny Norris the 90 day is ok. It lets you open bank account. Then once seasoned you go get the 12 months. So you've had 3 months plus 12 before you do your next extension.

The Non-OA you can extend but must do the Thai insurance the govt approves of to run along side it.

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