Accident Insurance

Isan Explorer provides general accident insurance, through American International Group (AIG), to cover medical expenses for all guests on our Thailand tours. The policy conforms to Thai law and is limited to accidents that occur while you are traveling with us. There is no coverage for illnesses or travel complications, nor does it cover you before and after your tour with us begins and ends. For this reason, we highly recommend that you buy comprehensive travel insurance to cover flight cancellation, lost luggage, food poisoning, medical evacuations, and similar situations.

 

Coverage Benefit Amounts

• Accident or injury medical expenses covered up to 500,000 baht (≈US$15,600) per person per accident.
• Loss of life, both hands, both feet, sight of both eyes, any two members, or total permanent disability coverage of 1,000,000 baht (≈US$31,200) per person.
• Loss of one hand, one foot, or sight of one eye coverage of 600,000 baht (≈US$18,750) per person. Coverage can be increased for a small additional cost.

 

Limits

The age limit for travelers under this policy is from 1 month to 85 years and anyone below age 15 or over age 70 is covered at only 50% of the insured amounts shown above. Travelers must be at least 150 kilometers (93 miles) from their place of residence or work throughout the journey to be covered. The maximum coverage period is 90 days per trip. Anyone in the country illegally is not covered.

 

Exclusions

This insurance does not cover acts committed whilst under the influence of alcohol or drugs; medical or surgical treatments not related to an accident; dental care occurring more than seven days after an accident; diseases or bacterial infections not a direct result of an accident; pregnancy, childbirth, miscarriage, and abortion; suicide and self-injury; sporting and racing of a dangerous nature; injuries resulting whilst engaged in or inciting a brawl; injuries resulting while committing a felony, being arrested, or under arrest; war and rebellion; nuclear exposure; and injuries resulting while driving or riding as a passenger on a motorcycle.