Passport and travel insurance documents with airline ticket

International Annual Travel Insurance

Independent broker

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Frequent flyer cover — one annual policy covers every trip up to 90 days each, worldwide.

Description

For travellers who fly more than 3 times a year, an annual multi-trip policy is dramatically cheaper than buying single-trip cover each time. Each trip up to 90 days (180 days for the Executive tier), unlimited trips per year, worldwide coverage. Includes medical emergencies (up to THB 50M on Premium), trip cancellation, lost baggage, flight delay (with cash payouts after 6 hours), and emergency repatriation. Quoted across April International, Now Health, AXA, MSIG and 3 others — we match it to your travel profile (Asia-only vs worldwide-with-USA, adventure-sports add-on, etc.).

Features

✓Unlimited trips per year, up to 90 days each
✓Medical emergencies up to THB 50M
✓Trip cancellation up to THB 200,000
✓Lost baggage + flight delay payouts
✓Emergency repatriation included
✓Adventure-sports add-on available

Warranty & guarantees

In-house warranty· Lifetime claims-support guarantee · 14-day free cancellation

Satisfaction guarantee

If we can't beat your current renewal quote on equivalent coverage, we'll tell you — and tell you to stay where you are. We win by being honest, not by churning policies.

Return policy

Thai law gives every new insurance policy a 14-day free-look period — full refund of premium if you cancel within 14 days of issue. After that, refunds are pro-rata per the policy's cancellation schedule.

Pricing

Asia-Pacific

฿6,500

Cover within Asia-Pacific only.

✓THB 5M medical
✓Trip cancellation THB 50k
✓Lost baggage THB 30k

Worldwide ex-USA

Recommended

฿12,500

Worldwide except USA/Canada.

✓THB 20M medical
✓Trip cancellation THB 100k
✓Repatriation
✓Adventure-sports option

Worldwide incl. USA

฿22,500

Full worldwide cover incl. USA/Canada.

✓THB 50M medical
✓USA/Canada included
✓Trip cancellation THB 200k
✓180-day trip length

Trust

4.9·274 reviews on Google 4.8·162 reviews on Facebook

VerifiedFast response10+ yearsHighly recommendedAward winner

Team

Khun Apirak

Managing Broker & Founder

Khun Niran

Head of Claims

Sarah Williamson

Expat & International Desk

How it works

Quote in 1 hour
Within 1 hour
Tell us what you need; we run it across all 14 carriers we work with and surface the best 3 options — usually within the hour, never more than same-day.
Compare & decide
Same day
Side-by-side comparison of premium, coverage, exclusions, claim ratio. We explain trade-offs in plain English/Thai — no insurance jargon.
Bind & pay
≤ 24h
E-sign the application; pay annual, semi-annual, quarterly, monthly, or 0% installment. Policy issued within 24h.
Claim coordination
Throughout the policy
File a claim through us — never alone. We pre-validate the paperwork with the carrier and chase weekly until paid.
Proactive renewal
Annual
60/30/14-day automated renewal reach-out. We re-quote across all carriers each year to make sure you're not silently paying more.

In the press

Bangkok Post Business

How independent brokers are reshaping Thailand's insurance buying journey

2025

Thai Insurance Review

MDRT Thailand 2024: the brokerages punching above their weight

2024

Coconuts Bangkok

The expat's guide to actually getting your insurance claim paid in Thailand

2025

Details

Title: International Annual Travel Insurance
Specialisation: Independent broker
Category: Travel
OIC license number: IB-29841
Tags: travel, annual, multi-trip, international, worldwide, medical, frequent-flyer
Brokerage / firm name: Bangkok Insurance Group
Years in insurance: 22
Team size: 14
Accreditations: OIC-licensed broker, Insurance Brokers Association member, MDRT (Million Dollar Round Table), Court of the Table
Short description: Frequent flyer cover — one annual policy covers every trip up to 90 days each, worldwide.
Policy types offered: Travel
Long description: For travellers who fly more than 3 times a year, an annual multi-trip policy is dramatically cheaper than buying single-trip cover each time. Each trip up to 90 days (180 days for the Executive tier), unlimited trips per year, worldwide coverage. Includes medical emergencies (up to THB 50M on Premium), trip cancellation, lost baggage, flight delay (with cash payouts after 6 hours), and emergency repatriation. Quoted across April International, Now Health, AXA, MSIG and 3 others — we match it to your travel profile (Asia-only vs worldwide-with-USA, adventure-sports add-on, etc.).
Carriers offered: April International, Now Health International, AXA, MSIG Insurance, Allianz Ayudhya, Sompo Insurance, William Russell
Features: [object Object], [object Object], [object Object], [object Object], [object Object], [object Object]
Coverage tiers: Standard, Premium, Executive / VIP
Multi-carrier quoting: true
Annual premium handled — from: ฿6,500
Annual premium handled — to: ฿45,000
Gallery: https://images.unsplash.com/photo-1488646953014-85cb44e25828?w=1200,https://images.unsplash.com/photo-1436491865332-7a61a109cc05?w=1200,https://images.unsplash.com/photo-1542296332-2e4473faf563?w=1200
Claim coordination offered: true
Renewal automation: true
Typical response time: Within 1 hour
Instant online quotes: true
Direct billing with carriers: false
Payment plans accepted: Annual only, Semi-annual
Languages: Thai, English, Chinese (Mandarin), Japanese, French, German
Location: [object Object]
Client segments served: Individuals, Families, Expats in Thailand, High net worth
Maps URL: https://maps.app.goo.gl/bangkok-insurance-demo-sukhumvit-23
Expat-friendly: true
Price: ฿6,500
Price type: From (min of variants)
Billing period: Year
Price negotiable: false
Featured: false
Valid from: 2026-06-03T12:54:04.444Z
Valid until: 2026-07-03T12:54:04.444Z
CTA label: Quote annual travel
Order URL: https://lin.ee/bangkok-insurance-demo
Meta title: International Annual Travel Insurance — Bangkok Insurance Group
Meta description: Unlimited trips per year up to 90 days each. Worldwide cover. From THB 6,500/year. 7-carrier comparison.
Facebook caption: Unlimited trips per year up to 90 days each. Worldwide cover. From THB 6,500/year. 7-carrier comparison.
LINE caption: Unlimited trips per year up to 90 days each. Worldwide cover. From THB 6,500/year. 7-carrier comparison.
WhatsApp caption: Unlimited trips per year up to 90 days each. Worldwide cover. From THB 6,500/year. 7-carrier comparison.
LinkedIn caption: Unlimited trips per year up to 90 days each. Worldwide cover. From THB 6,500/year. 7-carrier comparison.
VAT rate (%): 7

Frequently asked questions

Does this cover pre-existing medical conditions?

Stable, declared pre-existing conditions are typically covered up to a sub-limit (THB 1-3M depending on tier and carrier). Undeclared conditions are excluded — always declare at application. We help structure the declaration.

What about COVID and other pandemics?

Most carriers we work with now include COVID medical + quarantine cover as standard (post-2022 policies). We confirm carrier-by-carrier when quoting — some still exclude pandemic-class events.

Adventure sports — diving, skiing, motorcycles?

Recreational scuba (within recreational depth limits), basic skiing, hiking under 4,000m, and motorcycles up to 250cc are typically included. Anything more aggressive (back-country skiing, technical climbing, motorcycles over 250cc) needs the adventure-sports rider — usually +30-40% premium.

Can my whole family go on one annual policy?

Yes — family plans cover 2 adults + up to 4 children. Trips can be taken together OR separately on the same policy (one parent travels solo for work, the rest of the family stays home — still covered).