Peter Forkes then...pardon me.. I think you are foolish to not have the O-A.
The day will come when you seek to enter Thailand three times a year x 2 months each trip...and be denied.
The out of pocket cost of a basic O-A policy which meets the minimum requirements is lessened greatly if you choose a high deductible ...of 300,000 Thai baht...reduces the annual premium approx 50%. Keep your $$$ earning interest at home and net cost go you minimal... And have peace of mind entering and leaving Thailand as often as you do.
Look at Pacific Cross...with high deductible...
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