What's covered, what to look for, and how to claim if something goes wrong.
Medical coverage (at least $100k USD), trip cancellation, lost luggage; most policies bundle these.
Everyone — medical emergencies are expensive; even Thai hospitals want upfront payment or credit card.
Usually $15–30 USD for 1–2 week trip; longer trips pro-rated; cheaper if you buy before you travel.
Keep receipts if hospitalized; contact insurer immediately; have policy documents ready; some offer 24-hour hotline.
