Why choose Roojai travel insurance?
Comprehensive protection for medical emergencies
Get up to THB 10,000,000 in coverage for overseas medical treatment, accidents, and emergency evacuation, including coverage for COVID-19, valid in over 57 countries worldwide.
Travel with confidence
We cover trip cancellations, curtailments, flight delays, and missed connections, so you’re protected from common travel disruptions.
Baggage protection you can rely on
Lost, delayed, or damaged luggage? Roojai offers financial support to help you recover and stay on track during your journey.
Fast, online purchase with flexible plans
Buy your policy completely online in minutes, with customisable options for different trip types, durations, and destinations.
Designed with all types of travellers in mind
Our plans are built to meet the needs of outbound and domestic travellers, including coverage suitable for Schengen visa applications.
Simple claims process
We make claims easy with transparent documentation and a clear 30-day window for submissions after treatment or incidents.
What is travel insurance?
Travel insurance is a type of insurance designed to protect you from unexpected events and expenses that can occur while travelling, whether you're going abroad or staying within your own country. It typically covers a range of situations, including medical emergencies, trip cancellations or interruptions, lost or delayed baggage, travel delays, and accidental death or dismemberment.
In many countries, healthcare for non-residents can be very expensive, and some visas even require proof of insurance. Having travel insurance means you can travel with peace of mind, knowing that you are financially protected against unforeseen circumstances. This allows you to enjoy your trip without the worry of unexpected costs or emergencies.
Types of travel insurance
There are different types of travel insurance depending on how and where you travel:
Single-trip travel insurance
Perfect for one-off holidays, business trips, or visa applications. This type of insurance covers you from the moment you leave Thailand until you return.
Domestic travel insurance
Provides protection for trips within Thailand, including accident cover, medical expenses, and travel disruptions like delays or cancellations.
What does Roojai travel insurance cover?
Roojai offers a range of domestic and international travel insurance plans to suit different needs and budgets. Aside from medical expenses, emergency evacuation, and trip protection, you can enhance your travel protection by adding optional coverage, such as deductible coverage for rental vehicles, which protects you in case you're liable for any loss or damage to your rented vehicle.
Compare the benefits below to find the right plan for your journey.
| Coverage | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
|---|---|---|---|---|
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| Personal accident (PA 1) | 1,500,000 | 3,000,000 | 5,000,000 | 10,000,000 |
| Emergency medical evacuation and repatriation to domicile | 1,500,000 | 3,000,000 | 5,000,000 | 10,000,000 |
| Repatriation of body or ashes to domicile | 1,500,000 | 3,000,000 | 5,000,000 | 10,000,000 |
| Travel expenses for hospital visitation | 75,000 | 150,000 | 250,000 | 500,000 |
| Overseas medical expenses caused by accident or sickness | 1,500,000 | 3,000,000 | 5,000,000 | 10,000,000 |
| Medical expenses in Thailand caused by accident or sickness | 150,000 | 300,000 | 500,000 | 1,000,000 |
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| Third-party liability | 1,500,000 | 3,000,000 | 5,000,000 | 10,000,000 |
| Trip cancellation | 150,000 | 300,000 | 500,000 | 1,000,000 |
| Expenses for reduced travel days (trip curtailment) | 150,000 | 300,000 | 500,000 | 1,000,000 |
| Flight delay | 15,000 | 30,000 | 50,000 | 100,000 |
| Missed connection flight | 15,000 | 30,000 | 50,000 | 100,000 |
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| Loss or damage to luggage and/or personal belongings | 15,000 | 30,000 | 50,000 | 100,000 |
| Luggage delay | 15,000 | 30,000 | 50,000 | 100,000 |
| Damage or loss of golf equipment | 150,000 | 300,000 | 500,000 | 1,000,000 |
| Damage or loss of sports equipment | 150,000 | 300,000 | 500,000 | 1,000,000 |
| Rental vehicle deductible coverage (coverage for rental car excess) (optional) |
1,500 | 3,000 | 5,000 | 10,000 |
For more details on each coverage, refer to our travel insurance policy wording.
Travel insurance for your Schengen visa application
If you are planning to visit Europe, many Schengen countries require travellers to have valid travel insurance as part of the visa application process. This insurance must include medical coverage of at least €30,000 (approximately THB 1,500,000), along with emergency medical evacuation and repatriation.
Roojai’s travel insurance is fully compliant with Schengen visa requirements and makes your application process easier and faster:
- An insurance policy document is issued instantly and can be used for visa submission.
- Coverage is valid across all Schengen member states.
- All plans include emergency medical treatment, evacuation, and repatriation benefits that meet or exceed Schengen standards.
Even if you don’t require a visa to travel around Europe, getting travel insurance with sufficient coverage is still highly recommended to ensure peace of mind.
What do I need to purchase travel insurance from Roojai?
You will need to provide basic trip details like your destination, travel dates and mode of transportation, as well as the number of travellers, along with your contact and personal details. The process is quick and fully online. You’ll get a quote instantly and can complete your purchase in just a few steps.
Protect your trip now
Travel insurance frequently asked questions
Who needs travel insurance from Thailand?
Our outbound travel insurance is ideal for:
- Thai citizens and expats residing in Thailand.
- Travellers applying for a visa.
- Families and business travellers seeking trip insurance.
Who is eligible to buy travel insurance from Roojai?
Thai citizens or non-Thai residents up to 75 years of age can purchase travel insurance from Roojai. This includes working permit holders, dependent visa holders, or student visa holders.
Our travel insurance policy requires the trip to commence and conclude within Thailand. This means that your journey must start from a location within Thailand and return to a location within Thailand upon completion.
How is my travel insurance premium determined?
Your travel insurance premium is based on a few key factors that help us match you with the right level of coverage:
- Type of trip: No matter if it’s a holiday, business trip, or to study abroad, we tailor the plan to your needs.
- Destination: Different countries have different medical costs and risks, so your destination affects your coverage level.
- Travel companions: If you’re travelling solo or as a group, we take that into account when recommending a plan.
- Travel method: How you’re getting there (e.g. flying, driving, sailing) can influence your risk level and coverage options.
- Trip duration: The length of your trip directly affects your premium; longer trips generally require more coverage.
- Visa requirements: If you’re applying for a visa, we’ll recommend a plan that meets embassy medical coverage requirements.
Once you share your trip details, we calculate your premium instantly and recommend the most suitable plan, with the right protection at the right price.
Can I buy travel insurance if I’ve already left Thailand?
No, our travel insurance plans must be purchased before your departure. We recommend securing your policy at least two hours before your departure.
Do I get a refund if my visa application is rejected?
Yes, you are entitled to a full refund if your visa application is rejected. To process the refund, you must submit a copy of your insurance policy and passport, as well as the official visa rejection letter issued by the embassy or consulate. Note that you must provide the documents before the policy start date.
What is the process for getting emergency assistance abroad?
If you need emergency help while overseas, contact our 24/7 assistance hotline at 02 080 9152. Our team will help arrange medical care or other urgent support.
What should I do if I get sick or injured while travelling abroad?
For outpatient treatment (OPD), you’ll need to pay the medical expenses upfront and submit a claim for reimbursement once you return to Thailand. For inpatient treatment (IPD), you can call our 24/7 emergency assistance hotline at 02 080 9152. You won’t need to pay upfront if you receive treatment at the hospital assigned by Roojai.
Does travel insurance cover pre-existing medical conditions?
No, most travel insurance plans, including Roojai’s, do not cover pre-existing medical conditions. This includes any known medical issue that existed or was treated before your travel date. We recommend checking your insurance policy details or contacting us if you’re unsure what counts as a pre-existing condition.
How can I file a travel insurance claim?
To file a claim, submit the required documents to Roojai within 30 days of being discharged from a hospital or clinic.
We will review the claim compensation within 15 business days after receiving all required documents or information. If we require further investigation, the review period may be extended to up to 90 days. You can read our dedicated page for more information regarding insurance claims.
Definitions
| Trip curtailment | Refers to cutting your trip short due to unforeseen circumstances, like illness, injury, or family emergency. |
| Schengen countries | European nations that have agreed to allow free movement across their borders without internal passport checks. |
| Repatriation | The process of returning you to your home country if you are seriously ill, injured, or in the event of death while travelling. This may include transporting your body, ashes, or arranging for medical escort back to your country of residence. |
