13 minutes ago, scubascuba3 said:

It's good, i used travel type insurance as long as possible, max was 18 months, but those who are living here long term, long periods and think they are covered will be disappointed 

Nomads is different, I also got a 12 months insurance but need to go back after 75 days, to restart the validity, and that’s why I use Nomads and specifically Safety Wing or Genki, which can be signed while traveling and pay month by month as long you need it. 

3 minutes ago, Hummin said:

Nomads is different, I also got a 12 months insurance but need to go back after 75 days, to restart the validity, and that’s why I use Nomads and specifically Safety Wing or Genki, which can be signed while traveling and pay month by month as long you need it. 

Yeah annual travel insurance is another pitfall for the young traveller, thinking they can be continuously abroad for months

Read your policies ..."World Nomads insurance generally does not cover you for destinations with an "essential travel only""

I.e. Koh Chang and Koh Kood.

I suspect a lot of expats...UK expats in particular, simply don't have any idea of what insurance they have, even no insurance at all.

You should by now be able to say categorically whether or not you are I sured when on Koh Chang ot Koh Kood.

 

I can...I'm not covered by travel insurance but my car insurance is fine.

18 minutes ago, kwilco said:

Read your policies ..."World Nomads insurance generally does not cover you for destinations with an "essential travel only""

I.e. Koh Chang and Koh Kood.

I suspect a lot of expats...UK expats in particular, simply don't have any idea of what insurance they have, even no insurance at all.

You should by now be able to say categorically whether or not you are I sured when on Koh Chang ot Koh Kood.

 

I can...I'm not covered by travel insurance but my car insurance is fine.

 

Just sent an email to Genki

 

Hi xxxxx

Yes, our travel health insurance provides worldwide coverage, including Thailand and the areas you mentioned - Trat, Koh Kood, and Koh Mak. 😊

What's covered:

• Medical treatments for illnesses and injuries

• Emergency healthcare needs

• Sports activities (including martial arts like Muay Thai)

• General accidents and health incidents

What's NOT covered:

• Trip/flight cancellations

• Personal liability for damages to others

• Disability compensation from accidents

• Electronics or gadgets

For normal medical incidents unrelated to any conflict, you should have coverage. However, I can't guarantee specific treatment coverage as our claims team needs to review each case individually to rule out any exclusions or limitations.

If you need confirmation about specific treatments or situations, I'd recommend contacting our claims partner directly once you have your policy active.

The insurance focuses on high-quality medical cover and healthcare - perfect for the peace of mind you're looking for during your trip!

This answer was composed by Genki, Genki's AI Agent

39 minutes ago, kwilco said:

Read your policies ..."World Nomads insurance generally does not cover you for destinations with an "essential travel only""

I.e. Koh Chang and Koh Kood.

I suspect a lot of expats...UK expats in particular, simply don't have any idea of what insurance they have, even no insurance at all.

You should by now be able to say categorically whether or not you are I sured when on Koh Chang ot Koh Kood.

 

I can...I'm not covered by travel insurance but my car insurance is fine.

 

 

«Hi

We are heading down to Trat in Thailand boarder to Cambodia and specific Koh Kood and Koh Mak. My question is, will we be covered for normal incidents and happenings not due to the conflict or potential conflict in the area?»

 

 

Safety Wing answers 

 

Yes, coverage will still be provided as normal in these areas. Nomad Insurance Essential can cover you worldwide outside your home country, except for in the following countries:

• Cuba, Iran, North Korea, Puerto Rico, Syria, Russia & Belarus
• USA (unless you have the US add-on: add-on not available for US citizens or residents)
• Select regions of Ukraine: Crimea, Luhansk, Donetsk, Kherson, and Zaporizhzhia.

Adding a destination country to your visa letter may be necessary for visa purposes. However, including each country is optional, as you'll still be eligible for coverage there.

 

Kind regards

 

5 hours ago, kwilco said:

Read your policies ..."World Nomads insurance generally does not cover you for destinations with an "essential travel only""

I.e. Koh Chang and Koh Kood.

I suspect a lot of expats...UK expats in particular, simply don't have any idea of what insurance they have, even no insurance at all.

You should by now be able to say categorically whether or not you are I sured when on Koh Chang ot Koh Kood.

 

I can...I'm not covered by travel insurance but my car insurance is fine.

 

I got my answer from my Norwegian travel insurance provider, and they do not cover anything if there is a area with travel warning from our government. So no matter if you got food poisoning, no cover even if it is not related to any conflict or terror. 

On 9/20/2025 at 2:36 PM, Lee65 said:

Western government nannies will ruin your life if you let them.

The problem is your insurance, not the government.

 

On 9/22/2025 at 1:52 PM, Hummin said:

 

I got my answer from my Norwegian travel insurance provider, and they do not cover anything if there is a area with travel warning from our government. So no matter if you got food poisoning, no cover even if it is not related to any conflict or terror. 

Yes – that is the problem, and the FDCO warning is still in place – Fri 5th December.

On 9/22/2025 at 8:41 AM, Hummin said:

 

Just sent an email to Genki

 

 

Hi xxxxx

Yes, our travel health insurance provides worldwide coverage, including Thailand and the areas you mentioned - Trat, Koh Kood, and Koh Mak. 😊

What's covered:

• Medical treatments for illnesses and injuries

• Emergency healthcare needs

• Sports activities (including martial arts like Muay Thai)

• General accidents and health incidents

What's NOT covered:

• Trip/flight cancellations

• Personal liability for damages to others

• Disability compensation from accidents

• Electronics or gadgets

For normal medical incidents unrelated to any conflict, you should have coverage. However, I can't guarantee specific treatment coverage as our claims team needs to review each case individually to rule out any exclusions or limitations.

If you need confirmation about specific treatments or situations, I'd recommend contacting our claims partner directly once you have your policy active.

The insurance focuses on high-quality medical cover and healthcare - perfect for the peace of mind you're looking for during your trip!

This answer was composed by Genki, Genki's AI Agent

in this they make no mention of "essential travel only" warnings, just locations – I get the feeling they didn't understand the question, or you didn't ask the right question.