I always thought the entire purpose of the insurance was in case you get real sick while here. I guess it's in case you tested negative before flying then test positive when you land.
that's news to me, I guess I wasted money then. And it would make no sense but then again this is Thailand, chances of you getting sick within 1st few weeks are lower than catching covid and getting sick later on in your trip
I went a day later and got jammed up at airport because I didn't have new test and go hotel certificate yet, it was 5 in the morning Thai time and I only alerted hotel 10 hours earlier. They had to fax it to Thai immigration to get approval before I could finish checking in and boarding. New certificate arrived while I was traveling.