Pawpal

I agree with your opinion about AOC vs AA but, alas, AA is no longer an option for a non-Thai-based policy. Also a bit suspicioius when a broker continually recommends a single company, and wish someone with a Now Health policy could comment on their experience.

I'm 71 and have an April International Comfort inpatient policy with $500 deductible. My premium due April 2026 is $7,644, a 23% increase over last year's $6,215 premium. I have written April for the Essential premium (their website no longer provides such information to people over 65), but have not gotten any response despite sending 3 messsages during the past month. My broker (who is based in France) similarly cannot find out the Essential premium. He's strongly pushing a Now Health policy (which he also pushed last year). The premium for Now Health's Simple Care Core $500 deductible is $6,657 for coverage in Southeast Asia (which includes many less countries than April's Zone 3, which Thailand belongs to). The Now Health premium, incidentally, is 26% higher than it was in 2025. Incidentally, April's overseas emergency coverage allows for trips up to 90 days vs Now's 30 days. I don't have any pre-existing conditions, so switching to Now probably wouldn't be a problem. But I feel April is a better known quantity so I hesitate to change. Would appreciate hearing any opinions on the matter and the experiences of anyone who has dealt with Now.

I wrote to 5 different US-based agents but got several different responses: one said that our marriage certificate was "too old" to be certified by the State of Pennsylvania (where we were married) and we needed to apply for a new one; another said it was "too old" to be accepted by the Thai Embassy in the US; and the other three said it was fine and no need to replace. The fees ranged from US$200-1,100 (not including courier costs). Those agents were found by chance on google, and I have no idea of their reliability. Hoping that someone in the forum might be able to have a recommendation based on personal experience (or the experience of a friend).

Thanks!

But perhaps they didn't need to first get affadavits stating they were free to marry. I guess I'm concerned about any legal consequences (not that I can think of any legal consequences for marrying somene you're already married to).

Great idea. After all, a married couple should technically be free to marry each other as often as they wish. Wondering, though, if anyone has heard of an overseas-married couple actually doing this. Thanks!

Hoping for advice with regards to a couple (comprising an American citizen and a Thai citizen) who got married in the USA, currently reside in Bangkok, and want to register the marriage in Thailand. According to a previous post: “The first step is to have the marriage certificate authenticated by the state in which you were married. Then it needs to be authenticated by the US State Department. Then it needs to be authenticated by the Thai Embassy in Washington D.C.” (The other steps of the process take place in Thailand.) Any recommendations for an agent to handle the US steps would be greatly appreciated.

Thanks!

I married my Thai partner in America 10 years ago. We now live in Bangkok and are wondering if the marriage is automatically recognized or, if not, what the procedure is for having it officially recognized/registered in Thailand. (We have certified copies of our Pennsylvania Marriage License.) Thanks!

My policy is with April International and my broker is based in France. I originally had a broker in Huahin, but a few years ago they were no longer allowed to represent non-Thai-based policies and I was advised to not go with a Thai-based April policy; so I switched to a broker in France and continued with April International.

Thanks again! I've had a policy with April International for 5 years now, and the one time I needed to be pre-approved for a surgery, the process was smooth and I didn't have to do a thing, as BNH communicated directly with April's representative. I asked my broker why he's pushing Now, and he thinks the premium is more economical and the annual increases will be less than April's. But I think I'll stick with what I already have since there's no guarantee about future increases in any case, and it's better to use a company with a presence in Thailand.

Thanks for your insight. It seems that Now Health doesn't have much of a presence in Thailand. A friend at BNH says the hospital has rarely dealt with this company.

My insurance broker recommends Now Health International. I'm not familiar with this company and don't know anyone who is, and am hoping someone on the forum might be able to share their experiences. Thanks!

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It seems like nobody in the forum has ever used them. I suppose that might be a red flag of sorts.