Is it better to get travel insurance from Poland or Thailand for a four-month stay?

Question

Hi, I'd like to ask your advice on insurance.
I'm staying in Thailand (and neighbouring countries, occasionally) for 4 months in total this year. 2 of those months have just ended, and with them the travel insurance from my credit card provider. Since I need to get a new insurance for the remaining 2 months, I'm wondering if it's better to get one from my home country (Poland) or from Thailand. By "better" I mostly mean the trustworthiness and ease of the potential claim process, but of course the price of the policy is also a factor.
As to the coverage, I just need the standard health-related stuff plus non-extreme tourist activities, like trekking, swimming or snorkelling (I'm guessing there's no policy that would cover riding a scooter without a Thai licence ;))
Would a Thai policy also be good for short travels to Cambodia or Vietnam? The Polish ones offer coverage for whole regions, like "SE Asia".

Ask Thailand · Answer

The user seeks advice on travel insurance for a four-month stay in Thailand and neighboring countries, particularly whether to obtain it from their home country (Poland) or locally in Thailand. Key considerations include trustworthiness, ease of claims, and policy pricing. The user also specifies their insurance needs for standard health coverage and non-extreme tourist activities. Comments suggest that getting insurance from a trusted home provider may be better, as many locals mention issues with claims on policies from international companies.

Robert ************ · Answer

[mention redacted]  Exactly my point.  So much "Fine Print" with the "Travel Insurance" -- they find any excuse to deny claim.

Michael ******** · Answer

Just read the fine print, one guy now has go fund me page thought he was insured by his 1 year travel policy but was only for trips of 30 days at a time

Robert ************ · Answer

As [mention redacted] says, so-called "Travel Insurance" claims can be a "nightmare".  So my own personal opinion is, they are waste of money.

Brandon ************ · Answer

I think some of the cell phone companies offer travel insurance, at least AIS sends me ads occasionally.  Most of the big international companies (Atlas Global, etc) are nightmares when it comes to filing claims based on the reviews I've read.  If you can find a reliable company that offers travel insurance from your home company, I would go that route.  Just be aware it will be probably be reimbursement coverage, meaning you have to pay for everything now and then file with the company for reimbursement.

Is it better to get travel insurance from Poland or Thailand for a four-month stay?

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