@David *****

100 max for a 300-350 massage. 50baht ok and appreciated.

I don't believe you will have an issue even IF a police background check was required. I don't believe anything before 18 would be checked AND if you are in a different state now, the check will only go back to when you started living in that state if you go to local/state police office to get the report. That is how it worked for me 7-8 years ago.

@Osian *******

I use Charles Schwab bank to bank for LARGE international transfers. At the time when I researched this, Wise was better for under 20,000USD (637K THB), but over that amount, Schwab bank to bank transfers were more cost effective. I do two 1M+ baht wire transfers a year so use Schwab. Fee is $15 no matter amount transferred.

Talk with one or more insurance brokers here. They will let you know what (if any) policies are available, coverage options, costs.

@Sharron ******

It's not that expensive here. You can get 3,5,10M baht comprehensive coverage here. With no claims in 4 years my 5M baht coverage is 2,000USD per year (mid-60's).

I was never given a reason Wise closed my account years ago, why you think this would be an exception?

Also, your computer or phone could be compromised and they saw unusual login attempts and locked down the account.

@Matty ***

Yes, years ago, I was blocked across those same platforms. Screw them, opened a Charles Schwab account and smooth sailing ever since.

@Steve ***************

I've been sending from my Schwab account direct to my BKK account in Thailand for 7 years, never a problem. Overseas ATM fees refunded as well.

I agree on finding a local insurance broker, they will give you options (if any) for your mother and costs. Self-pay, at either a Government hospital (much less expensive) or an international hospital is the other primary option. Or, if she can travel, even returning home for a procedure could be an option.