ummm. I think you’re looking at the wrong travel insurance!
I will admit that those companies that are specifically dedicated to “travel” insurance have MANY holes in their policies, as a knowledgeable person in medical insurance, UHC rises above all that I have found.
That being said, it’s the job of EVERY insurance company to deny coverage until they’re made to cover!
so the government says $6k US and you say $10k. Hmmm!
I’ve travelled internationally for 2 years 11 countries, most with much higher cost of living than Thailand with far less in my “rainy day fund” and never had to touch $1 of savings, living off of my income. I guess I’m just a much better with a budget than you.