I think many insurance are oversold. Like in Netherlands we all have a 'mandatory' medical insurance that's valid worldwide. Will have to request and download an international certified copy for Thailand, but that's it. All expenses paid up to the equivalent in treatment costs of my country (so that's more than enough). No extra travelling insurance needed. Still every time they try to sell me.
So my advice to you guys; check your home medical insurance and download and PRINT the international validation. Keep it with you everywhere you go ...