Travel Insurance for a Trip to Thailand — What MSIG's and Tune Protect's Visitor Plans Pay, and the Motorbike Clause Both Share (Checked 24 September 2026)
The two Thai insurers that sell cover to foreign visitors online, side by side from their own brochures and policy wording on 24 September 2026: ฿3,500 for 30 days with Tune Protect, medical limits of ฿400,000 and ฿700,000, a 30-day illness waiting period at MSIG, and a motorcycle exclusion with no licence or helmet exception at either.
Two Thai insurers sell a policy online to foreigners visiting Thailand: MSIG ("Say Hi 10 Thailand") and Tune Protect ("Tune iPass"). We read both companies' brochures and policy wording on 24 September 2026. The clause most visitors need to know about is the same in both: no medical cover while riding a motorcycle, as driver or passenger, whatever licence or helmet you have.
The two visitor plans
| MSIG Say Hi 10 Thailand | Tune Protect Tune iPass | |
|---|---|---|
| Price for 30 days | not published; quoted by country of departure and length of stay | ฿3,500 (15–30 days) · ฿2,250 for 1–14 days · ฿21,000 for 180 days |
| Medical expenses limit | ฿400,000, accident and illness, COVID included · outpatient up to ฿5,000 a day for 30 days | ฿700,000 (about $20,000) · hospital room up to ฿5,000 a night |
| Waiting period for illness | 30 days from the start date | none stated |
| Pre-existing conditions | excluded; applicants must have none | excluded if present in the 12 months before purchase |
| Motorcycle | excluded "while the Insured is driving or riding as a passenger on a motorcycle" | medical costs excluded for "injury occurred while the insured driving or take a motorcycle" |
| Accidental death / disability | ฿1,000,000 | ฿1,000,000 |
| Other | third-party liability ฿800,000 | emergency evacuation ฿1,000,000 · repatriation ฿1,000,000 · liability ฿1,500,000 (first ฿1,000 excess) · travel delay ฿30,000 |
| Who can buy | non-Thai, age 1–75, bought before arriving; not for foreigners living in Thailand; one policy at a time | age 1–75; one policy; may refuse travel to or through Pattani, Yala and Narathiwat |
| Source | product page, brochure effective 1 September 2025 | product page, brochure, policy wording |
Three things in the fine print
The motorcycle exclusion has no exception. Home-country travel policies often cover scooter riding if you hold a motorcycle licence and wear a helmet. Neither Thai visitor plan does. MSIG's exclusion sits in its list of important exclusions without limiting it to one section. Tune's sits under medical expenses only, so its accidental-death benefit is not excluded by that clause, but the hospital bill is. Neither sets an engine-size limit. If you plan to ride, buy a home-country policy that names motorcycles, or accept that the bill is yours.
A 30-day trip with MSIG has almost no illness cover. The 30-day waiting period runs from the start date, so an illness that begins in your first month is not covered. Accidents are covered from day one. Tune's documents state no waiting period.
Tune's price table is from 2022. The brochure linked from Tune's product page today is headed "effective from November 4, 2022 onwards", and the page still says "from 2,250 THB". We could not confirm the checkout price without starting a quote, which we did not do. Tune also states that its English wording is a translation and the Thai text is the binding contract.
Is ฿400,000 or ฿700,000 enough?
For a sprain, food poisoning or a few stitches, yes. For a fracture that needs surgery and several nights in a private Bangkok or Phuket hospital, a limit of ฿400,000 can run out; private hospitals ask for a guarantee of payment or a deposit before admission. If you are staying longer than a short holiday, or doing anything on two wheels, compare these limits with a home-country policy before you buy. For stays of several months, see long-stay health insurance vs travel insurance.
Buying
Both plans are sold on the insurers' own sites, linked in the table. MSIG must be bought before you enter Thailand. These are not affiliate links.
Sources and last check
Checked 24 September 2026 against each insurer's product page, brochure and, for Tune, the policy wording, all linked above. MSIG's Say Hi 10 policy wording is not published online, so its exclusions are quoted from the brochure (document QD-UDW-028, TA022/1 Rev 05). We did not request a quote from either insurer.