I think many people simply do not bother to look or know what the options and costs are, I paid $190 for 5 months of coverage that came with a Thailand specific visa cover letter so I had no issues with visa or TP
I put my one night test and go for accommodation, there was an optional box to list a couple other places you will stay that I added in but it did not ask for dates. From US on TR 60
there is no fit to fly. Leaving Thailand is the same process as coming you, you need to see what the entry requirements are for where you’re going as well as the airline.