u/Dwarken

Hi everyone,

My wife and I have been splitting our time between Canada and Hua Hin for a few years now. I'm struggling with the medical coverage gap—I'm currently stuck either limiting my stays to 6 months or going without coverage.
I’m looking for a solid insurance company recommendation, but only from those who have personally gone through a major claim process. I’m not looking for general advice or "I heard this company is good" stories—I really need to know who actually pays out and supports you when things go wrong.
Any firsthand experiences would be greatly appreciated. Thanks in advance.