@Heath **********

you say 2 insurers didn't pay out, that suggests there was an issue with your claim. Could be you weren't adequately covered, hadn't declared something, etc. You also say it left you having to pay using your credit card because you were effectively "without insurance", and that's what you're advising people to do! To have no insurance. Lol.

@John **********

I paid less than £200 for cover and I've got pre existing conditions. Last time I claimed it was for a full refund on my £2000 flight cost because I was unable to travel ( broke my leg).

@Heath **********

you're not just telling your story, you're advising people not to get insurance and max out their credit cards, like you did when your insurance failed.

@Heath **********

Not sure what insurance company you had that didn't pay up. So long as you've declared pre-existing conditions, not engaged in excluded activities, our family have never had an issue with a claim. Many deal direct with the hospitals so that's even better. If having no insurance was such a success why do you think there are so many go-fund-me appeals for money to help uninsured injured people?

@Heath **********

that may not work for people who are travelling now and won't have saved up enough NOW. Especially if they get sick, injured, have passports stolen, miss flights in the coming weeks.

What's a visa on demand? Do you mean an exempt entry that gives you 30 days without a visa?

So you're only transit through Bangkok and not entering Thailand so you're not looking for a Thai visa. You're asking about a visa for Vietnam?

@Chris ********************

I have them being prepared. Because that's what I was told was needed as I have assets in all 3 countries. If no assets in Thailand ( or USA) then UK will would be sufficient to leave UK assets to anyone no matter where they live. The Thai one has hit a problem because of the condo.

@Chris ********************

I'm not going back over old posts. A few weeks ago I arrived to sort out all of this because my lawyer said 3 separate wills are needed. USA, UK, Thai.

@Chris ********************

what do you want me to say? I'm here sorting out paperwork, will etc. because my UK will isn't accepted here.