if you really feel there was an error or maltreatment, just go to your embassy and ask for clarification. Was the immigration officer reasonable or you just didn’t know the complexity of visa excempt. in that way you will know what to do moving forward.
i personally dont have any issues with thr travel insurance. ung issue sakin is ung quarantine period sa hotel na mas expensive lol naubos lng oras mo sa hotel.. so dapat tlga long stay ka.. 1-2 months.. ndi keri ung 1 week lang.. nag hotel ka lang nun lol
it depends nmn din on how long ung coverage ng insurance.. the longer the stay, the higher the price. so if you will only stay for few days or weeks, a coverage of 30 days is enough or 60 days.. i saw worth 5k pesos for 30 days