Travel Insurance for Tourists (Tour Operator Policies)
For Tour Operators or tour companies, providing insurance is not just about protection—it is a “legal requirement.” According to the Tourism Business and Guide Act, tour companies must provide accident insurance for tourists and guides for every trip. Here is a summary of the essentials that tour operators need to know:1. Minimum Legal Coverage (Mandatory)
Thai law specifies the following minimum coverage limits:- Death, Loss of Organs, or Disability: Not less than 1,000,000 Baht per person.
- Accident Medical Expenses: Not less than 500,000 Baht per person.
2. Popular Insurance Models for Tour Businesses
Most tour companies typically choose between “Per-Trip” (Named list) or “Open Policy” (Blanket) models:- Per-Trip: Suitable for small operators with occasional tours, where names are submitted on a case-by-case basis.
- Blanket Policy: Ideal for companies with a steady flow of tourists. You simply report the total number of tourists to the insurer monthly, which is much more convenient and time-efficient.
3. Recommended Additional Coverage (Beyond the Legal Minimum)
To build customer confidence and reduce company risk, you may consider these additional coverages:- Emergency Medical Evacuation: Crucial for international tours or adventure trips like mountain climbing and island hopping.
- Trip Cancellation/Flight Delay Compensation: Provides relief for customers in case of unforeseen events.
- Professional Liability: Protects the company if it is sued due to errors or negligence in tour arrangements.