Agreed, I would not do an STV! So if I come in with Visa on Arrival, I would only have to show COVID insurance for 30 days, then when I go in to get the non-O extension I don't need to show insurance, correct? In that case, if they didn't accept the COVID cover in my overseas policy, I could buy the Thai COVID insurance for only the 30 days and not for the 60 or 90 days for the other visa types? But I am pretty sure that with Visa on Arrival I would need onward flight booking, right?