What is the best travel insurance for medical reimbursement while in Thailand?

Question

Travel Insurance: I'm looking for the best travel insurance for medical reimbursement in the event of emergency. I don't care about reimbursemet for all that other junk they throw in or even for trip cancellation, just the best medical reimbursement. One name keeps coming up: Faye. From what I can tell they are primary payor, so they pay first and pay directly to the Bangkok hospital of your choice. (Many other insurers YOU have to pay then they reimburse you whenever they get around to it). What I've done is entered my information and set the trip cancellation amount to as low as allowed ($1000) to get the lowest premium, and that gets me $250KUSD medical insurance. I was just wondering if anyone has bought Faye in the past or actuallly had to use them and what the experience was like. Thanks everyone. BTW lots of people say travel insurance is a waste and I used to be one of them until I ended up in Phyathai2 for 10 days from acute respiratory arrest. Try talking yourself out of that one with no insurance and enough cash for about 1/10 of the bill.

Ask Thailand · Answer

The conversation revolves around finding the best travel insurance specifically for medical reimbursement while in Thailand. The original poster is considering Faye for their primary payment model and low premiums. The commenters suggest various options, emphasizing the importance of direct billing with hospitals, the need for awareness of pre-existing conditions, and potentially looking into local insurers like Pacific Cross or Coreharbour. Some recommend consulting brokers for tailored plans and warn about the coverage differences between local and international providers.

Keith ********* · Answer

i use patriot img lite but yes, they reimburse not pay upfront

David ******** · Answer

Better from your own country. Reputable company it's travel insurance if you live in Thailand it's different go local

Brad ******** · Answer

Pacific cross is solid. But reach out to Thai expat Health or Pacific Prime and they can help you get the right plan.

Things to be sure of

●Direct billing- Ensure the insurer offers direct billing with hospitals to avoid upfront payments

● Coverage area- up to you whether you want coverage just in thailand or across multiple countries

●Make sure they are aware of your pre-existing conditions as you don't want to deal with denial

Alistair ******* · Answer

Contact Coreharbour

Patrapong ***** · Answer

A local health insurance maybe cheaper and better if you want only the coverage for medical matters.

Chris ********* · Answer

Following!

Ricky ******** · Answer

Have a chat with Pacific Prime Brokers [url redacted]

Robert ********* · Answer

Check these from Thai providers. Easy to use and widely accepted.   [url redacted]             [url redacted]

What is the best travel insurance for medical reimbursement while in Thailand?

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