Online worked for me (Bangkok). I understand that if you do for it under the new rules, you would have to catch up and do it as soon as that becomes possible. You can also send by post.
I got a quote from Pacific cross. It claimed to cover everything including corona up to a limit of three or ฿400,000. I am already in Thailand, it was not for a visa. But when I looked at coverage for a hospitalization for corona say three weeks in the hospital, with one week ICU, the total it would pay was US$1400. Far less than such a case would cost even in a government hospital. The cost per year was $1300. Total joke!
Most such applicants do get their visas, a lot of 10 year US tourists visas out there even for less developed country citizens. They do have to screen would-be overstayers plus Trump‘s base would be fine to not even allow tourists in. I got some family like that, some of them have never even been on a plane.