My suggestion is to buy a thailand insurance...if I'm not wrong, you buy a foreign country insurance,when you hospitalized in Thailand,you will have to pay the bill first then you submit a claim right ..if you use Thailand insurance,they will settle directly with the hospital.. correct me if I'm wrong
Check with your hotel if your transport to hotel is alone, don't accept if you have to share car with other passenger cos if they are found positive, you will be quarantine 14days and have to pay
I dunno what's wrong with the Thai staff over at your side, from my own experience in Singapore, I've never had any problem with the visa application here. The Thai embassy efficiency in Singapore is very good or can say is excellent.