Many exoats (including me) would much much rather have a comprehensive health insurance, not one that can JUST be used in Thailand. And with an international company. I agree with
said. TBH many insurance companies usually/often try to find ways to ‘not pay’ (it’s just the way they work) so best to seek clarification from whichever one you choose.
She’s the ‘lessor’ so if the read the requirements it says you can use that, in her name, with her ID number and contact details (and probably your number too). You’ll probably also need letter from her confirming you are staying with her the whole time.
Someone who wrote on this site sent their dog ahead and had them lodged in a doggie hotel during quarantine. There are expat services that deal with this in Bangkok