So true , just take one of their insurance , thats what their adv. for and what they really want . I took the Axa Thailand , was about 2,500 baht , had the insurance in less than 10mins , the Thailand Pass in less than 6 hours.
Same here, i'm flying Luxembourg - Netherlands - Bangkok and i've put Luxembourg as departure country, they will ask if you visited another country before including Transfer, so you can put the Netherlands in there.