@Jeremy *******

I use Allianz global and no claims my first two years. Price keeps going up every year even if no claims and I have the 2025 usd deductible. My only chronic disease is hypothyroidism and I pay for my meds so that no issues from it.

@Randy ******

cool

I use my fidelity debit cash management card. They reimburse all atm fees around the word.

I use wise if I want transfer from usa bank

I keep two separate Thai bank accounts. One that holds my visa money and one for spending.

No matter who you choose, they will likely raise your rates every year even with no claims and will likely raise your rates very fast after you have claims. At some point, you might not be able to afford the insurance payments.

@Nongnuch *******

eeeks

Even if they offer the dependent visa, you might want to apply on your own so that if one passes, the other is still eligible on their own to stay with no extra steps. Or maybe the dependent gets grace period to sort out things?? But you might not be in the frame of mind to deal with visas in that event so better to just be here on your own visa.

@Paul ****

I see. I was confused since your post said you had permanent residency

Out of curiosity, how did you get your permanent residency?

Maybe try porting to phone2

@Richard *******

each province has slightly different rules and they can change over time.