Lynette
@Lynnette ******
As far as Cancelled Flights, Missed Flights and Baggage, if arriving Thailand via any major Western Country (USA, UK, EU, AUS), then most Carriers are required by law to cover these losses. In addition, many Major Credit Card (MasterCard & Visa) have included insurance coverage for that too. As far as your broken leg, sure those things can happen. But a long shot, versus comparative high cost and limited coverage of Travel Insurance, and difficulty claiming.