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Why Online Travel Insurance for Thailand is the Smart Choice

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Real-time Quotation & Instant Issuance

Get an instant quote and secure your Thailand travel insurance online in minutes. Compare plans, customize your coverage, and stay protected against medical emergencies, trip delays, and lost baggage, from takeoff to touchdown.

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24/7 Access to Support, Anytime, Anywhere

Wherever you are in Thailand, help is always within reach. Get 24/7 support for flight delays, lost luggage, and unexpected emergencies—so you can travel with confidence and peace of mind.

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Affordable Coverage, Made for Thailand Adventures

Big adventures don’t have to mean big costs. Our Thailand travel insurance offers flexible coverage for city hopping and island adventures, at a price you’ll actually feel good about.

Explore a variety of travel insurance plans tailored to meet your travel essentials

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 *Price for a 5-day international trip, inclusive of tax. Terms and Conditions apply. Please check policy wordings for detailed information

Boost your travel coverage with these add-ons

Covid-19 Protection

Stay protected against COVID-19-related trip disruptions and medical expenses

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Hazardous Sports & Equipment

Enjoy coverage for adrenaline-fueled activities and safeguard your sports equipment from damage or loss while traveling.

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International Cruise

Set sail with protection against unforeseen events while you explore the seas.

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Why is Oona Thailand Travel Insurance the Right Choice?

Quick and Convenient Online Purchase

Quick and Convenient Online Purchase

Get your Thailand travel insurance online in just minutes. Oona’s simple, digital process makes it easy to secure coverage—whether you’re booking a spontaneous getaway or planning a well-paced trip across Thailand.

Flexible Plans for Every Kind of Thailand Trip

Flexible Plans for Every Kind of Thailand Trip

Whether you’re exploring Bangkok’s vibrant streets, unwinding on Phuket’s beaches, or hopping between islands, Oona offers Travel Lite, Travel Premier, and Travel Elite plans to match your trip length, activities, and protection needs.

Protection Against Travel Delays and Disruptions

Protection Against Travel Delays and Disruptions

Delayed flights, missed connections, early returns, or baggage mishaps can disrupt your plans. Oona helps reimburse eligible expenses when travel doesn’t go as expected—so your Thailand journey stays on track.

Medical Coverage That Keeps You Worry-Free

Medical Coverage That Keeps You Worry-Free

Unexpected medical expenses abroad can quickly add up. Oona Thailand Travel Insurance helps cover hospital care, treatments, and emergency medical costs, so you can focus on enjoying Thailand’s food, culture, and experiences.

Coverage for Your Belongings and Personal Liability

Coverage for Your Belongings and Personal Liability

From lost luggage and travel documents to personal liability concerns, Oona provides protection that travels with you, giving you added security throughout your Thailand trip.

24/7 Travel Support with Customizable Add-Ons

24/7 Travel Support with Customizable Add-Ons

Day or night, Oona’s global travel assistance is ready to support you wherever you are in Thailand. Enhance your plan with optional add-ons like COVID-19 coverage, adventure sports protection, cruise cover, and more, so you can explore freely and confidently.

How to Purchase Thailand Travel Insurance Online

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Step 1
Ready Your Trip Info

Note your travel dates, destinations, and flight numbers. You’ll need these to make sure your coverage matches your trip exactly.

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Step 2
Fill Out the Online Form

Input your name, passport info, travel dates, and destination. Our easy form helps you finish the process in just a few minutes.

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Step 3
Get Covered Instantly

Your policy is issued right after checkout. Check your email, review the coverage, and travel knowing you’re well-protected.

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Hear it straight from our satisfied customers

"When my luggage got delayed for two days, Oona reimbursed me for essentials with no hassle. I was able to continue my trip without stress."

Leah, Iloilo

"Oona’s online process made applying for my Schengen visa so easy. I had my Schengen-compliant travel insurance certificate ready in just a few clicks."

Ryan, Pasig

"Oona’s travel insurance saved me from paying huge medical bills after I got sick in Vietnam. The support team was professional and handled everything quickly."

Carlo, Bacolod

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How to File a Thailand Travel Insurance Claim

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Step 1
Prepare Your Documents

Have your policy number, travel details, and supporting documents ready.

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Step 2
Submit Your Claim

Fill out the online form and upload the required documents. You may also reach out to us anytime through our 24/7 Hotline or email. 

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Step 3
Track your claim

Oona will notify you of your claim result within 5 business days once all required documents have been submitted.

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Got a question about Thailand Travel Insurance in the Philippines?

Explore our FAQ page to find all the information you need.

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My trip includes a cruise. Is this covered under my comprehensive Thailand travel insurance policy?

Answer
Cruises are not automatically covered under a regular travel insurance policy, but you can add cruise coverage to your Thailand Travel Insurance for an extra premium. This upgrade will protect you against trip delays, medical issues on board, and other unexpected events during your cruise vacation.
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My trip includes a cruise. Is this covered under my comprehensive Thailand travel insurance policy?
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What hazardous sports are covered by the policy, and will I be covered if I participate in them?

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Your comprehensive travel insurance for Thailand may cover certain hazardous or adventure sports such as skiing, scuba diving (within safe depth limits), surfing, and hiking, as long as they are done recreationally and not professionally or in competitions. Always check your policy’s list of covered activities and exclusions to confirm coverage before participating. If the sport is not included, you may need to add an adventure sports rider for protection.
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Is travel insurance required to travel to Thailand?

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Travel insurance is not mandatory for entry into Thailand, but it is highly recommended. Medical treatment and emergency services abroad can be costly, and travel insurance helps cover these expenses, reducing financial stress during your trip.
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What is Thailand travel insurance and why do I need it?

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Thailand Travel Insurance is designed to protect you from unexpected events while traveling to Thailand. It provides financial support and assistance for medical emergencies, hospital stays, trip cancellations or delays, lost baggage, and other common travel disruptions, so you can enjoy your trip with peace of mind.
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Does my Thailand policy cover COVID-19? If yes, what are the coverages?

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COVID-19 coverage isn’t included in your Thailand travel insurance by default, but you can easily add it when purchasing your policy. This add-on gives you protection if you contract COVID-19 during your trip, including coverage for medical treatment and hospital expenses, emergency evacuation or repatriation of mortal remains, and reimbursement if you need to cancel your travel plans or cut your trip short due to COVID-19. It’s a smart choice, especially if you’re traveling to destinations that require proof of COVID-19 insurance for entry.
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What’s the difference between single-trip and annual multi-trip travel insurance?

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Both options keep you protected while you travel, but the right choice depends on how often you take trips. Here’s a quick comparison to help you decide which plan fits your travel habits:

Type of Travel Insurance Coverage Period Best For Key Coverage Why Choose This Plan
Single-Trip Travel Insurance One journey from departure to return Occasional travelers or one-time vacationers Medical emergencies, trip cancellations, lost baggage, and flight delays Ideal if you travel once or twice a year and want full protection for a specific trip.
Annual Multi-Trip Travel Insurance Unlimited trips within 12 months Frequent or business travelers All benefits of a single-trip plan, valid for every trip in a year Saves time and money with year-round protection—no need to buy insurance for each trip.
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Can I still get travel insurance while already at the airport?

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Yes, absolutely. With Oona Insurance Travel Online, you can buy travel insurance anytime, anywhere, even while you’re at the airport waiting to board. The process is quick, fully online, and takes just a few minutes.
 

Simply visit www.myoona.ph using your phone, tablet, or laptop, choose the Oona Travel Insurance plan that fits your trip, fill out the short form, and complete your payment. Your policy will be sent instantly to your email inbox, ready for you to review and present if needed.
 

This flexibility means you can still secure coverage for medical emergencies, trip delays, lost baggage, and more, even if you forgot to buy insurance before leaving home.
 

Tip: While you can buy travel insurance hours before your flight (typically at least 2 hours), purchasing it earlier gives you added benefits like trip cancellation coverage before your departure date.

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What should I do if my checked-in luggage goes missing during my flight and I need to make a claim?

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If your checked baggage is lost, delayed, or missing, it’s important to act quickly to protect your claim rights. Follow these two essential steps:

  1. Notify the Airline Immediately
    • Go to the airline’s Customer Service or Baggage Services counter as soon as you notice your luggage is missing.
    • File an official Property Irregularity Report (PIR) or similar form and request a copy — this will serve as proof for your insurance claim.
    • Keep all your boarding passes, baggage tags, and any receipts for emergency purchases you may need.
  2. Contact Oona Insurance’s
    • 24/7 HotlineCall us as soon as possible so we can assist you:
      Outside the Philippines: +00 632 8459 4727
      Within the Philippines: (02) 8459 4727
    • Our claims team will guide you step-by-step, explain the documents needed, and help you complete your claim submission.

Tip: Prompt reporting is crucial. Most airlines and insurers have strict timelines for lost baggage claims. The sooner you report, the better your chances of a smooth reimbursement process.

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When does my Thailand travel insurance policy start and end?

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Your Oona Thailand Travel Insurance policy starts one hour before your scheduled departure and remains in effect for the entire duration of your trip. Coverage ends one hour after your scheduled or actual arrival, whichever comes first. This ensures you’re protected during transit, while traveling, and right up until you reach your destination safely.
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What happens to my Thailand travel insurance if my trip is cancelled?

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If your trip is cancelled, trip cancellation coverage in your travel insurance can reimburse prepaid, non-refundable costs like flights, hotels, tours, etc., up to your policy limit, but only for covered reasons such as, illness, injury, death in the family, serious home damage, job loss, court summons, etc.. Always check exclusions in your Thailand travel insurance policy. For example, many comprehensive insurance policies exclude pre-existing medical conditions unless you buy a waiver.
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Is comprehensive travel insurance worth it for short trips to Thailand?

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Absolutely. Even for weekend getaways or short business trips to Thailand or any other country, travel insurance can save you from unexpected expenses like medical bills, flight delays, or lost baggage. It’s a small investment for peace of mind, especially when emergencies can happen anytime, anywhere.
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Can I get family travel insurance or a group plan?

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Yes! Family travel insurance covers you, your spouse, and your children under one policy, often at a more affordable rate than buying separate plans. It’s a convenient way to protect your whole family on vacations.
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Can I extend my Thailand travel insurance policy if my trip gets longer?

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Yes! If you decide to stay beyond your original dates, you can extend your policy easily by getting in touch with us, just be sure to renew before your current coverage expires.
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What does Thailand travel insurance typically not cover?

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While Thailand travel insurance provides valuable protection for many unexpected situations, it does not cover everything. Understanding these common exclusions helps you know the limits of your travel insurance coverage, avoid surprises during claims, and choose the right plan or add-ons for your trip.

  • Actions by the Insured – Losses caused by your own misconduct or unlawful acts, including fraud, criminal activity, negligence, reckless behavior, or incidents linked to mental health disorders.
  • Natural Disasters – Events such as floods, earthquakes, volcanic eruptions, and other large-scale natural catastrophes, unless your policy specifically lists them as covered.
  • Terrorism and Armed Conflicts – Losses resulting from terrorism, uprisings, riots, war, civil unrest, or similar large-scale conflicts.
  • Risky or Extreme Activities – Participation in hazardous sports, extreme adventure activities, or high-risk recreational pursuits not covered by your plan.
  • Travel Advisories and Government Actions – Losses incurred in destinations under an official “DO NOT TRAVEL” warning or caused by government restrictions, deportations, or travel bans.
  • Pre-existing Medical Conditions – Known illnesses or injuries you had before your policy started, as well as self-inflicted injuries, suicide attempts, or complications from alcohol or drug misuse.
  • Other Specific Exclusions – Losses from personal errors (like incorrect booking details), the financial failure of a travel provider, or major events outside the scope of your plan.


Tip: Before traveling to Thailand, always review the “General Exclusions” section of your travel insurance policy. This ensures you fully understand what your Thailand travel insurance covers, and helps you decide whether optional add-ons are needed for extra protection.

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How much does comprehensive travel insurance for Thailand typically cost?

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Prices of travel insurance in the Philippines vary depending on your destination, trip duration, and coverage type, but even Oona's extensive plans are designed to give you maximum protection at a great value.Our comprehensive travel insurance for Thailand. with COVID-19 coverage starts at just ₱299 making it an affordable way to protect yourself from unexpected costs during your trip.
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Does travel insurance cover lost passports?

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Yes, most comprehensive travel insurance policies include coverage for travel documents, such as lost or stolen passports. This helps cover the cost of replacement, including necessary travel to the nearest embassy or consulate, so you can continue your trip with minimal disruption.
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Should I buy my own travel insurance for Thailand?

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Absolutely. Even if it’s not required for travels to Thailand, having your own comprehensive travel insurance gives you peace of mind. It covers you for important things like medical expenses, flight delays, and lost baggage, so you can enjoy your trip without financial worries.
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What is overbooking and does my policy cover it?

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Overbooking (also called overselling or denied boarding due to overbooking) happens when an airline sells more tickets than there are seats on the flight. If this results in a flight delay of more than 6 hours, many travel insurance policies, including Oona, may reimburse reasonable expenses for meals, hotel accommodation, and airport transfers, provided the airline or another party hasn’t already given them to you for free.
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Will my comprehensive Thailand travel insurance cover my expenses if my flight is delayed?

Answer
Yes. If your flight to Thailand is delayed by 6 hours or more, your travel insurance can help cover the extra costs. This can include your hotel stay, transportation to and from the airport, meals, basic toiletries, and even clothing if you’re stuck overnight without your bags. Just remember to keep all receipts and get written proof of the delay from the airline.
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Can my Thailand travel insurance cover travel to multiple countries?

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Yes. Thailand travel insurance and most international travel insurance plans can cover travel to multiple countries within the same policy period, provided all destinations are declared at the time of purchase. This makes it ideal for travelers visiting Thailand as part of a multi-country itinerary, cruise, or extended Asia trip.
 

To ensure continuous travel insurance coverage, always include every country on your itinerary when buying your policy. This is especially important if you’re traveling to destinations with higher medical costs or specific coverage requirements. Declaring all destinations upfront helps avoid coverage gaps and ensures your travel insurance for Thailand fully protects you throughout your journey.

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How does cashless medical assistance work?

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If you fall sick or get injured while traveling, cashless medical assistance lets you get treatment without worrying about payment on the spot. Simply go to a partner hospital, and Oona Travel Insurance will handle the bill directly with the facility. This means no upfront costs, no reimbursement hassles, and peace of mind while abroad.
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Can I still make changes to my flight details in my policy?

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Yes, you can request changes to your flight details in your travel insurance policy before your Thailand trip begins. Simply contact our customer service team or send us an email with your updated itinerary. Changes must be made before your coverage period starts, and additional fees may apply depending on the adjustments. Always review your policy terms to ensure the updates are processed correctly.
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Do I need travel insurance for my trip back to the Philippines?

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Travel insurance is not required for returning to the Philippines. However, it’s still highly recommended to protect yourself against unexpected expenses. Coverage can include medical emergencies during layovers, trip delays or cancellations, lost baggage, and even accidents before you arrive home. Whether you’re a Filipino resident or an overseas traveler heading back, having comprehensive travel insurance ensures a smooth, stress-free journey.
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What makes Oona Travel Insurance different from others?

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Oona Travel Insurance stands out for its premium global coverage, strong financial protection, and hassle-free assistance network. We offer up to ₱5 million in benefits for medical emergencies, personal accidents, and travel inconveniences, supported by a 24/7 international assistance hotline.
 

Our commitment is simple: trusted comprehensive protection, wherever you go.

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What’s the best option for travel insurance if I travel often?

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The best travel insurance depends on how, where, and how often you travel. Whether you’re heading out once a year or jet-setting every few months, Oona has a plan that fits your lifestyle. Here’s a quick guide to help you choose the right one:

Type of Travel Insurance Best For Key Coverage Why Choose This Plan
Single-Trip Travel Insurance Occasional travelers taking one trip at a time Medical emergencies, trip cancellations, lost baggage, and flight delays Ideal if you travel once or twice a year and want comprehensive coverage for each trip.
Annual Multi-Trip Travel Insurance Frequent travelers with multiple trips per year All benefits of single-trip plans for unlimited trips within a year Saves time and money with year-round protection—no need to buy insurance each time you travel.
Schengen Visa Travel Insurance Travelers visiting Europe (Schengen Area) Medical coverage meeting Schengen visa requirements Ensures you meet visa requirements and stay protected during your European travels.
Customizable Oona Travel Insurance Any traveler who wants flexible protection Core benefits plus optional add-ons (e.g., COVID-19 coverage, hazardous sports protection) Lets you tailor your coverage to your destination, activities, and needs for every journey.
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