Yes sorry you are correct. I just reread your OP again and it does look like they may have excluded due to the reasons you mention.
For anybody else a little more senior here is a link to their general exclusions and standard provisions which raised red flags for me -
https://www.aainsure.net/pacific-cross/Pacific Cross 8 General Exclusions and Standard Provisions.pdf
No worries, you probably earn more than me anyway if you lay bricks in the West, lol.
And I worked in construction too (in a past life)
Just pointing out that your 2 points aren't really connected logically.
Thailand doesn't have to double price things for tourists and the UK doesn't have to feed illegals n all that woke crap they are doing.
It was a Fidelity debit card. The 5.5 percent conversion fee was on top of the ATM fee. I've used this ATM before without any problem so this is something new.
I can’t wait to see the cute nurses doing their choreographed TikTok dances when the next pandemic comes around.
Overworked? LOL. Nonsense.
I dated a Covid ward nurse during covid. All she did was chat with me all day long and send selfies.
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