Comprehensive Cover provides comprehensive travel insurance for persons travelling internationally, including substantial cancellation, luggage, medical & repatriation cover. Cover applies from when you leave your home to go directly to the place you depart from your travels, and ends when you return to your home.

The Insurance is automatically extended until your journey can be completed if your return home is delayed due to injury, illness or delays in public transport.

This is a summary of benefits. Please read the policy wording for the complete details of “What we will pay” and “What we will not pay”. Importantly, please note that exclusions do apply as well as limits to the cover and these are set out in the policy wording. 

Note: No excesses apply to the Benefits below.

* Note all benefits and premiums are in Thai Baht. 

summary of benefits

This is only a summary of the benefits. Please read the policy wording carefully for the complete details of "What We Will Pay" and "What We Will Not Pay" and which types of cover are provided under each plan. Importantly, please note that exclusions do apply as well as limits to the cover and these are set out in the policy wording.

1. Accidental Death or Disability – NIL Excess

A benefit is payable if you suffer accidental bodily injury during your journey, which within 180 days from the date of the accident results in your death or a permanent disability listed in the policy.

Benefit for Insured Persons Aged:

Under 16 years:   Up to  2,000,000
16 to 75 years:    Up to  4,000,000

76 years or over:Up to  2,000,000
 

2. 24 Hour Emergency Medical Assistance – Evacuation and Repatriation – NIL Excess

Cover for emergency medical assistance including:

• 24 Hour Emergency Medical Assistance
• Hospital Guarantees – Bills settled direct, no need for you to pay the hospital directly
• Ambulance - Medical Evacuations to the nearest suitable hospital
• Repatriation to usual place of residence in Thailand or nearest suitable hospital
• Repatriation of mortal remains or approved local Funeral Arrangements
• Messages to family and Emergency Family Travel Arrangements

Benefit Per Insured Person:Unlimited Benefit for approved costs
 

3. Overseas Emergency Medical Expenses – NIL Excess

Cover for overseas medical treatment if you are injured or become sick overseas, including:

• Medical
• Hospital
• Surgical
• Nursing
• Emergency Dental treatment following an accidental injury

Benefit Per Insured Person:Up to 2,500,000
 

4. Personal Liability – NIL Excess

Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you

Benefit Per Insured Person:Up to 2,500,000

5. Lost / Stolen / Damaged Baggage – Nil Excess

Cover for replacing luggage stolen or reimbursing repair cost for accidentally damaged items, including:

• Luggage
• Spectacles
• Personal Effects
• Personal Computers
• Cameras

Maximum Benefit Payable under this Section per Insured Person:                     50,000

Maximum payment for a single item, pair or set:                                                 5,000

Maximum payment for Valuables:                                                                         25,000

6. Baggage Delay – Nil Excess

Cover for purchasing essential replacement baggage due to your baggage being lost, misplaced or stolen on your outward journey for more than 12 hours from when you arrived at your destination.

Essential items include:-

• Necessary clothing and underwear
• Toiletries
• Medicines 

If your baggage proves to be permanently lost, any amount paid under this section will be deducted from any amount paid under the Lost / Stolen / Damaged Baggage Section.

Benefit per Insured Person:    Up to 20,000

7. Travel Delay – Nil Excess

If your outward or return journey by air, train or boat you are booked on is delayed by more than 12 consecutive hours a benefit will be payable for each complete 12 consecutive delay.  Delay for the following reasons is covered:

• Mechanical breakdown / structural defects
• Industrial action or strike
• Serious fire, storm or flood damage to the departure point

Maximum Benefit Payable under this Section Per Insured Person:          50,000
Amount Payable Per Insured Person per 12 hour delay:                   Up to 5,000

8. Missed Connecting Flight and Overnight Hotel Accommodation – Nil Excess

If you have missed your connecting flight, international train or sailing connection due to the late arrival of your initial plane, train or boat due to

• Mechanical breakdown / structural defects
• Industrial action or strike
• Serious fire, storm or flood damage to the departure point

And provided you have no alternative onward transportation being made available to you within 12 consecutive hours after the actual arrival time of your initial flight a benefit will be payable for each complete 12 hour consecutive delay.

Maximum Benefit Payable under this Section Per Insured Person:         50,000
Amount Payable Per Insured Person per 12 hour delay:                   Up to 5,000

We will also arrange and pay for Overnight Hotel Accommodation if you have no alternative onward transportation being made available to you within 12 consecutive hours after the actual arrival time of your initial flight.

Amount Payable Per Insured Person: Up to 10,000

9. Loss or Theft of Money – NIL Excess

Cover for loss, stolen or damaged money:

• Bank Notes
• Cash
• Currency Notes
• Postal Orders
• Money Orders

Maximum Benefit Payable Per Insured Person: 5,000
 

10. Loss or Theft of Passport and/or Travel Documents – NIL Excess

Cover for loss, stolen or damaged Travel Documents:

• Passport
• Identity cards
• Travel tickets
• Driving Licence

Benefit Payable Per Insured Person:Up to 5,000

11. Trip Cancellation – NIL Excess

Cover for cancellation fees and lost deposits for pre-paid travel arrangements unavoidably cancelled before your journey begins due to:

• You suffering from unforeseen death, injury or illness
• Your travelling companion suffering from unforeseen death, injury or illness
• A close relative (travelling or not travelling with you)

Benefit Payable Per Insured Person:Actual Costs, except cruises which is limited to 800,000

12. Trip Curtailment – Nil Excess

Cover for pro-rated proportion of the travel and accommodation charges already paid if after your departure you unavoidably cut your journey before it ends due to:

• You suffering from an unforeseen death, injury or illness
• Your travelling companion suffering from an unforeseen death, injury or illness

Benefit Payable Per Insured Person:Actual Costs, except cruises which is limited to 800,000

13. Repatriation of Travel Companion – Nil Excess

We will arrange and pay for an additional return flight to Thailand for your travelling companion to return with you should you be repatriated to Thailand due to an accident or sickness.

Benefit Payable:Actual cost of air ticket (economy class) to return to Thailand

14. Compassionate Return Trip Home –Nil Excess

We will arrange and pay for a return flight to Thailand if while overseas your wife, husband, child, father or mother living in Thailand should die.

Benefit Payable: Actual cost of air ticket (economy class) to return to Thailand

15. Return Trip Home for Unaccompanied Children –Nil Excess

We will arrange and pay for a person to go overseas and return to Thailand with your unaccompanied minor children, due to your repatriation.

Benefit Payable:Actual cost of air ticket (economy class) from Thailand to the overseas destination and back to Thailand.

16. 24 hour Worldwide Travel and Medical Assistance – Free Collect Call

We are available 24 hours a day to provide advice and to assist you:-