I see where this coming. I'm in the general insurance industry, travel is part of the hemorrhagic point for most if not all general insurance license holder, because usually travel insurance covers from point A to point B and back to point A. However, what most people NOT in the industry doesn't see is, accidents seldom happen IN point B 😂 it usually happens in point A where the flight delay and causes the person late for connecting flight or loss of baggage at point B or returned from point A.

What brilliant is, once you landed, you're technically covered by insurance you've purchased from point A. If you have a broken luggage, you should make a claim under the insurance point A. If you're returning home, you luggage is missing, you'll not be able to claim it from point B 😂 technically, you left their country. Let's assume, there's a small accident, you have a fall in point B under Point B insurance protection. Now that you wanted to make a claim, they said since this is under travel coverage, you're supposed to pay first, then you file in your receipt, and the point B insurance will pay you back in Thai baht. So, how long do you want to stay in Thailand until they pay your claim? And in Thai baht 😂 the safe advise is, why not bring the bill back to your own country, and make a claim from point A travel insurance, you get your money in your own currency.

Ain't this brilliant? I'm sure these are well thought by the "partner" insurance company, and the proposal involving a presentation by the insurance company of how much commission "the agent" is fetching for the entire travel industry, and possibly "kick back" for certain decision makers "entitled" 😂