I have Pacific Cross 7 years now. One small claim 6 years ago was paid with no problem. Customer service has improved,they added a customer service representative.
Passport,car an motorcycle license to convert, Charles Schwab account, Capitol one credit card. Port your US mobile phone number to Google voice $20 one time charge. Think twice about moving to Phuket,the influx of foreigners and high prices in my opinion make it a no go. If you want to be sea side,Chomburi or Rayong Province.
Although Thailand is a wonderful country with a lovely people, i don't think a drastic change in geography will solve your depression. I suffered with depression for years off and on. About twenty five years ago I found holotropic breathwork, saved my life.