Travel Insurance Requirements for Phuket Sandbox and Samui Plus

Written by Yongmin S.
2021-08-02 09:57:13

Since the pandemic started, anyone coming to Thailand must endure a 14-day Alternative State Quarantine (ASQ) upon arrival. However, Thailand now welcomes inbound travelers to enter without quarantine through the Phuket Sandbox and Samui Plus program, which allows fully vaccinated Thai nationals and foreigners to participate from abroad. To enter Thailand, participants need to obtain the Certificate of Entry (COE), which comes with requirements to have a valid Thai visa and medical insurance. It’s highly encouraged that applicants check with the Thai embassy in their country of residence for the latest update on the current travel regulations. The registration for the COE can be applied through the designated website from the Ministry of Foreign Affairs, which also contains instructions and guidelines about the registration in detail. 


Getting the Right Insurance for Your Visa to Thailand

To obtain the COE from the Thai embassy in their country of residence, applicants must have a valid Thai visa and medical insurance covering the entire period of stay. The standard insurance requirement for any type of visa including visa-exempt is COVID-19 coverage up to 100,000 USD. However, if your visa type is Special Tourist Visa (STV), there is an additional insurance requirement to have coverage no less than 400,000 THB in inpatient and 40,000 THB in outpatient benefits. While many travel insurance policies in the market cover the COVID-19 requirement for the COE, most don’t cover the STV requirement with the outpatient benefits. Rather than purchasing another insurance policy, participants who hold STV can consider a policy that meets both requirements simultaneously, such as Luma Thailand Pass


Before Purchasing the Travel Insurance for Thailand

Before purchasing the insurance policy, it is imperative to confirm if the period of insurance coverage matches your visa period. If the submitted insurance document for the COE application presents a period of coverage less than the period of stay, it will result in the rejection of your application. To ensure a smooth process, contacting the Thai embassy in your country of residence to confirm the insurance requirement for your visa is highly recommended. 

If you’re confused about when to start your policy, always think of your arrival date as the policy start date. However, if you’re unsure when to start your policy because your flight hasn’t been confirmed, Luma Thailand Pass provides the flexibility to select a tentative start date and change it to your arrival date after the visa is approved and the flight is booked. The policy effective date on your insurance certificate can be amended as many times to accommodate your travel plans, as long as your policy hasn’t started yet. Although the policy effective date can be amended at your convenience, repeated submission of your documents for the COE can cause a delay in your application process. Therefore, applicants should consider purchasing the policy ahead of time, around one month to avoid any last-minute hassle. If you plan to purchase the policy even earlier, make sure to start your policy many weeks ahead to avoid the back and forth with the embassy for the COE application. 


Luma Thailand Pass for Travelling to Thailand

Luma Thailand Pass is a travel insurance policy insured by Tune Protect. It provides the essential coverage for every insurance requirement to enter through the Phuket Sandbox or Samui Plus program. Some of the key features of Luma Thailand Pass include: 

  • Coverage for medical expenses up to 3,500,000 THB (equivalent to at least 100,000 USD*) including COVID-19
  • Suitable for Phuket Sandbox and Samui Plus participants as coverage meets visa requirements including STV
  • Simple and easy online application process with COVID-19 certificate issued instantly
  • Options for 30, 60, 90, 180, 270, or 365 days
  • Full refund if the policyholder cannot travel to Thailand and the policy has not started yet

* as of Bank of Thailand Foreign Exchange Rates on 30 July 2021

Covid Insurance Thailand


Advantages of Choosing Luma Thailand Pass Travel Insurance for Thailand

Luma Thailand Pass provides other unique benefits that make them stand out among other options. Common health insurance or travel insurance policies have a waiting period, typically 15 or 30 days before you can claim your benefits. There’s no waiting period for Luma Thailand Pass, which means you’ll be covered in case you test positive for COVID-19 during the standard testing procedure at the hotel in Phuket or Koh Samui. In case you test positive, Luma Thailand Pass should cover the medical expenses and even arrange a direct billing service if applicable. Another advantage of Luma Thailand Pass is foreigners who wish to extend their Tourist (TR) or Special Tourist Visa (STV) in Thailand can purchase another Luma Thailand Pass policy. This is important to consider as TR and STV visa can be further extended in Thailand for 30 days, and 90 days up to two times (270 days total) respectively. This means you’re required to purchase another short-term policy to cover your extended stay in Thailand, which Luma Thailand provides. You can start your trip in Thailand worry-free with Luma Thailand Pass. 


Additional Requirements for Phuket Sandbox or Samui Plus



The article is based on the latest information available as of 29 July 2021. Applicants should check the latest information about travel regulations and requirements with the Thai embassy in their country of residence before planning their travels.