I’ve read to many sad stories about Pacific Cross and many other insurance companies denying claims for trivial reasons… any decent insurance policy in Thailand is 100,000 bhat a year and up … below that you could be in trouble if you had a long stay for something serious in a Thai private hospital…putting aside 100,000 or whatever the amount each year could add up to a good amount over a few years .
Their to busy making new rules to their stupid visa requirements and dividing up the cash they made from agents and foreigners delivered under the table !!!
this forum is for all the expat experts to offer their personal opinions and conflicting information so as to render the people who ask for help on this forum totally confused !!!