Best Travel Insurance for Long Stay in Thailand

Staying in Thailand for 3+ months? Discover the best travel insurance plans for long-term stays in 2025, what to look for, and where to buy policies that meet visa requirements.

🌴 Why You Need Long-Stay Travel Insurance in Thailand

If you're staying in Thailand longer than a typical vacation — whether you're a digital nomad, retiree, or gap-year explorer — standard 2-week travel insurance won’t cut it.

Long-stay travel insurance helps cover:

• Medical emergencies & hospital bills

• COVID-19 treatment

• Trip interruptions or delays

• Lost or stolen belongings

• Repatriation or evacuation

And for some visa types (like Retirement O-A or ED), insurance is mandatory.

🏆 Top Travel Insurance Plans for Long-Term Thailand Stays (2025)

Below are the best-reviewed, visa-friendly options for stays 30 days to 12 months+.

1. SafetyWing Nomad Insurance

• 🌐 Global coverage

• 🕒 Pay monthly, cancel anytime

• 🧳 Perfect for digital nomads

• 💰 Starts at ~$45/month

• ✅ Covers COVID, evacuation, emergency care

2. IMG Global – Patriot America Plus

• ✅ Ideal for US citizens abroad

• 🏥 Up to $1 million in coverage

• 🛡️ Emergency dental and evacuation included

• ✈️ Flexible start and end dates

3. World Nomads

• 🎒 Tailored for travelers & backpackers

• 🗺️ Covers adventure sports

• ✅ Strong reputation among expats

• 💳 Buy online from anywhere

4. Cigna Global

• 🌍 Full-featured expat plan

• 🏥 IPD & OPD coverage

• 📄 Certificate available for Thai Immigration

• 📦 Optional add-ons: mental health, maternity, vision

5. Luma Long Stay Visa Plan

• 🇹🇭 Thai insurer approved for O-A/O-X

• 🧓 Covers applicants up to 80+

• 📑 Accepted by Thai embassies

• 🛡️ Offers 400,000 THB IPD / 40,000 OPD per MOPH rules

Final Tips Before You Buy

• Compare deductibles and exclusions carefully

• Look for 24/7 support and English-speaking service

• If applying for a visa, check if the provider offers a downloadable visa letter or policy certificate