If it’s a PR visa for her she will have free medical, social security benefits and work rights where she can earn in one hour what she would make in two days in Thailand.
Complimentary travel insurance is available with certain credit cards. All you need to do is use the card for around $250 on your trip, such as airline ticket purchase and the cover includes family for up to six months.
you can ask immigration in say Hua Hin and ask the same at immigration in Chachoengsao and get two completely different answers, that’s why I suggested to ask at the office the application would be made. I wouldn’t take Facebook opinions seriously.