Why don't you use Malaysian bank to transfer directly to Thai bank? I have used CIMB & Maybank to transfer to SCB and vice versa. It's more secure to do bank-to-bank transfer instead of using 3rd party like Wise. As long as you use the same account holder name, I don't think you will encounter any issue other than MYR30k/day limit.
I am not sure whether Thai gov approved my Thai Pass because I got World Trip insurance? I thought there are only selective insurance providers that Thai gov approve? Correct me if i'm wrong
I saw someone comment in another post mentioning they bought insurance and then apply for Thailand Pass. Once their Thailand Pass got approve, they just cancel the insurance. Basically, they enter Thailand without any insurance at all 🥲