Test take 4-5 hours by recent reports here and also the same experience for family members to me. I would not worry unless Songkran period or unexpected events. Worst case you stay one more night in any SHA+ hotel?
so why would the policy received by Dick state different? Also the summary I got from broker is also same. Has there been a recent change can you share the legal document? FAQ on a homepage doesn't help people when they claim or is in dispute with Luma :)