I was going to say the same. My government also added some 7 provinces each on both Cambodia and Thailand sides where non essential travel is restricted. Normally that's enough to invalidate insurances, assuming you're using an insurer from that same country.
not really. 1,900 baht are enough for a one way ticket to South Korea on Air Asia, without luggage. Ditto it'd be 1900 * 2, but is still cheap and worthy, money wise. Still, I understand some people just don't have the time to make a quick trip abroad.