Updated September 29, 2026 · AssureCue Editorial Team
TIPINSURE vs WAS Insurance
Where TIPINSURE and WAS Insurance differ
| Compare |  TIPINSURE |  WAS Insurance |
|---|---|---|
| Insurance types | Auto, Home, Travel, Health, Pet, Motorcycle, Critical illnessCovers more | Travel, Pet |
| Provider type | Insurer | Broker |
| Cover limit | 500,000 THB | Unlimited medical |
| Claims channels | Phone, App, Online | Phone, Email, Online |
| Age range | 20-60, renewable to 64 | 18-99 |
| Premium from | THB 699 | Not confirmed |
| Excess from | Not confirmed | A$100 |
Same on both: Monthly payments (Yes).
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Key differences
- TIPINSURE scores higher overall: 9.3 vs 8.9.
- Insurance types: only TIPINSURE offers Auto, Home, Health.
- Claims channels: only TIPINSURE offers App.
- Claims channels: only WAS Insurance offers Email.
- Support channels: only TIPINSURE offers Chat, Help centre.
- Support channels: only WAS Insurance offers Email.
Our verdict on each
TIPINSURE
TIPINSURE suits households in Thailand that want a single monthly policy across motor, home, health and critical illness cover. The starting premium of THB 699 runs well above the site median, so the cost is the trade-off to weigh.
WAS Insurance
WAS Insurance suits travellers and pet owners in AU who want a broker with help via email and phone. It accepts a wide age span of 18-99 for cover, so you can check eligibility and claim options before you compare quotes.
Score breakdown
| Area | TIPINSURE | WAS Insurance |
|---|---|---|
| Cost | 8.9Starting premium of THB 699 sits well above the site median of €8.37, ranking 169 of 252. | 9.0HigherPet claims carry excess of AUD 100 per claim. |
| Offer | 9.3Higher | 8.8Range covers travel and pet only, focused on travel and pet. |
| Trust | 9.6Higher | 8.8Wiseandsilent Pty Ltd holds licence 536280 under ASIC. |
Positions in our rankings
| Ranking | TIPINSURE | WAS Insurance |
|---|---|---|
| Travel insurance | 16 of 291 | 32 of 291 |
| Pet insurance | 8 of 161 | 12 of 161 |
Feature by feature
| Insurance types | TIPINSURE | WAS Insurance |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | Yes | No |
| Critical illness | Yes | No |
What we checked
TIPINSURE
- dhipaya.co.th: 5 facts, checked September 26, 2026
- tipinsure.com: 4 facts, checked September 26, 2026
- ft.tipinsure.com: 3 facts, checked September 26, 2026
WAS Insurance
- wiseandsilent.com: 11 facts, checked September 29, 2026
Every fact side by side
| Fact | TIPINSURE | WAS Insurance |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | TIPINSURE Public Company Limited | Wiseandsilent Pty Ltd |
| Headquarters | Thailand | Australia |
| Founded | 1951 | Not confirmed |
| Support channels | Phone, Chat, Help centre | Email, Phone |
Where each stands against the rest
| Fact | TIPINSURE | WAS Insurance | Median |
|---|---|---|---|
| Excess from | Not confirmed | A$100above the median | A$0 |
Median across 7 listed insurance providers.
Pros and cons
TIPINSURE
Pros
- Monthly payments are available, so cover is paid for as the policy runs
- Insurance types span auto, home, travel, health, pet, motorcycle and critical illness
- Claims can be started by phone, in the app or online
Cons
- The starting premium of THB 699 sits far above the site median of €8.37
- Support runs on phone, chat and help centre only, with no email listed
- Critical illness cover is capped at 500,000 THB
WAS Insurance
Pros
- Travel medical protection is listed as Unlimited medical, which addresses high hospital bills abroad.
- Claims accept phone, email and online, so you can call, email or file online when you need help.
- Billing follows monthly and monthly payments are available, which spreads premiums across the year.
Cons
- Range stays limited to travel and pet, so auto or home needs sit elsewhere.
- Support runs on email and phone only, so chat help is outside email and phone.
- Pet claims include excess of AUD 100, which adds to vet bills.
Who each suits
TIPINSURE
Who it suits
- Households wanting a single monthly policy for motor, home and health cover
- Adults aged 20-60, renewable to 64 looking for a lump sum critical illness payout
- Motorcycle and pet owners who want cover from the same insurer
Who should look elsewhere
- Good Sam Insurance Agency, if you need life and renters cover in the same policy
- Euroasia Insurance, if a lower starting premium matters most
- bunq, if you are comparing banking accounts rather than insurance
WAS Insurance
Who it suits
- Travellers who want medical led cover should shortlist WAS Insurance over andsafe, thanks to Unlimited medical.
- Pet owners who want phone and online claims should prefer WAS Insurance to LV=, with routes via phone, email and online.
- Budget planners who want to spread premiums should pick WAS Insurance over die Bayerische, as billing follows monthly.
Who should look elsewhere
- Drivers or homeowners who need auto or home cover should consider andsafe, as WAS Insurance covers travel and pet only.
- Shoppers wanting life, health or income protection should consider die Bayerische, which goes beyond travel and pet.
- Households wanting auto, home and life in one place should consider LV=, rather than the focused travel and pet.
Current offers
TIPINSURE
Current offer
Bonus
TIP PET BUDDY: owner pays 50%, insurer pays the other 50% of veterinary treatment: 50% co-payment on veterinary costs up to 50,000 baht
Selected plan; 60-day waiting period for general illness; pets aged 3 months to 7 years
Source, checked September 26, 2026
Country by country
| Country | TIPINSURE | WAS Insurance |
|---|---|---|
| Australia | No | Yes |
| Thailand | Yes | No |
Questions about each
TIPINSURE
What does TIPINSURE cost to start?+
The starting premium is THB 699. That is well above the site median of €8.37, and the site pokes 252 brands ranked on this figure, placing TIPINSURE at 169.
How do I pay for cover?+
TIPINSURE offers monthly payments, so premiums are spread across the policy year instead of paid in one sum. Payment is a yes on the monthly payments point for this brand.
WAS Insurance
Is WAS Insurance an insurer or a broker?+
WAS Insurance works as a broker based in Australia under the name Wiseandsilent Pty Ltd. That means it arranges cover rather than underwriting it directly, so you should read each policy for insurer details and terms.
How is WAS Insurance regulated in Australia?+
Australian oversight comes through ASIC under licence 536280 held by Wiseandsilent Pty Ltd. You can search the licence register before you buy, and keep policy documents for any later query about cover or claims.
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