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Will my US insurance policy suffice for COVID insurance to enter Thailand?

COVID-19 InsuranceThai Visa RequirementsHealth Insurance for ExpatriatesTourist VisaInsurance DeductiblesEmergency Medical InsuranceInternational Health Coverage
Sep 16, 2021
3 years ago
Bill *********
ORIGINAL POSTER
i got my insurance policy from usa they sent me a letter , it does not state specifically covid insurance although another letter i have does state that it covers covid treatment. no amounts are given, the amount is unlimited amount but i have a 5000 dollar deductable. i wonder if i send that in to thai consualate it would suffice for my covid insurance??
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TLDR : Answer Summary
A user is inquiring whether their US insurance policy, which includes COVID-19 treatment but lacks a specific dollar amount for COVID coverage, will be acceptable to the Thai consulate as proof of COVID insurance for their visa application. Community comments suggest that insurance documentation must explicitly state the coverage amount for COVID-19 treatment. It is advised to obtain a cover letter from the insurance company or to consider alternative travel insurance policies that meet Thai requirements.
Andy *********
Safetywing and AXA are 2 companies I've heard mentioned as reputable
3 years ago
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Andy *********
LMG? Does your insurance pay directly to a hospital? We had US insurance that covers, but, had to file a claim. This was before the requirements changed. Think the AXA offers monthly policies that are accepted, and directly pay the hospital. We're looking to return on OA visas, and know requirements differ
3 years ago
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Bill *********
ORIGINAL POSTER
@Andy ********
 i dont need reputable i only need cheap as i have full insurance but thais wont accept it.
3 years ago
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Bill *********
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Brandon ************
The embassy wants to see Covid and 100,000. They won't accept "anything," "everything," or "unlimited."

At least in the US, most companies will never say you are covered for something in writing. I ended up just getting a cheap throwaway travel insurance policy to meet the requirement even though my regular insurance will cover my as well.
3 years ago
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Bill *********
ORIGINAL POSTER
@Brandon ***********
 ok any suggestions for the throw away insurance? insurance in general is a scam. for anything
3 years ago
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James ********
@Bill ********
 it's not a scam when you are stuck paying the hospital bills
3 years ago
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Brandon ************
@Bill ********
 I used insubuy.com but I don't know if it's available anywhere outside the US. Very cheap if you pick a higher deductible and you can print a Visa letter moments after you pay. It's also cancellable or delayable up until the effective date.
3 years ago
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James ********
@Brandon ***********
 Brandon Thurkettle and two expats ended up paying over 150,000 Thai baht each out of their pocket as they bought the cheap policy from insubuy and they denied paying the claim for testing positive for Covid without symptoms.

Citing escape clause..

Not medically necessary.

Just how much was that insubuy policy ...and for how many months?
3 years ago
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Brandon ************
@James *******
 I'm not advocating using it as your policy if you have problems, I'm advocating using it as a cheap throwaway policy to get your COE and falling back on your regular insurance that won't issue an insurance letter if you actually need coverage in Thailand.
3 years ago
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Bill *********
ORIGINAL POSTER
@Brandon ***********
 brandon, if im coming in on tourist visa for two months. do i need travel insurance , ilooked on site you suggested, and thier are many policys i just want the cheapest one that thais will accept. im not gonna use it any ways as i havefull world wide coverage on my policy i have been paying for for 15 years. i trust that one more than some fly by night company that is gonna say i misspelled a word so im not gonna be covered. i dont trust insurance companys. finally if im coming in on two month visa and i nneed the covid iinisurance policy. i wonder if it needs to be for a certain time period as im hopeing to extend my two months a month after entering. will they require the bogus insurance for that time period as well? or do i just get the two month policy and then i dont need once in kingdom doing extentions. i mean if this insurance is just a throw away insurnance. why doesnt a company start a throw away policy for people that are fully covered on reputable insurance. but the thais wont accept the good insurance and want the scam insurance?
3 years ago
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Brandon ************
@Bill ********
 the insurance only needs to be as long as your initial Visa. They don't look at insurance again if you extend.
3 years ago
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Bill *********
ORIGINAL POSTER
@Brandon ***********
 thanks for info brandon yes im in usa .your logic makes sense. to be clear i have full insurrance abroad. its jsut that thais wont accept it. i have no limit on coverage. thais want
*****
0 dollars worth. i have millions worth but they want me to buy one that has
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0
3 years ago
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Bill *********
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Brandon ************
@Bill ********
 are you in the US?
3 years ago
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Brandon ************
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Gene **********
When I do apply think

I’ll stick with Thai insurance? Thinking they know the ins and outs??
3 years ago
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Michael ********
@Gene *********
 yep and travel warnings by your goverment dont affect it
3 years ago
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Michael ********
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Michael ********
Here is a sample you can show your insurance company
3 years ago
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Suzz *****
I called my insurance company and asked them to email me stating my name and that I was covered for x amount specifically for Covid and sent the email. I had originally sent the insurance certificate and the policy but I think it was too much info for the embassy staff to trawl through to find the info. A short simple direct email did the trick.
3 years ago
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Andy *******
All you can do is try but it's pretty mandatory that it's state the dollar amount for covid insurance.
@Arawan ******
 is my go-to both in and out of country
3 years ago
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Michael ********
Ask them for a cover letter for the covid insurance specifically
3 years ago
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Bill *********
ORIGINAL POSTER
@Michael *******
 u mean a special letter with my name on it. they wont do that. its a big insurance company they only send out generic info .. all i can do is send it in with explanation and phione number of company if they have questions
3 years ago
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Oor ********
@Bill ********
 and could it could be one of your friends that they phone if they have any questions. I would assume that the big companies would issue a cover letter it is the small companies that won't due to added costs.
3 years ago
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Michael ********
@Bill ********
 well other companies do and most are big companies
3 years ago
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Michael ********
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