I currently have AXA (4M max and 100k Deductible per incident)....seems to meet the LTR requirements. But looking around... for my renewal that is due soon.

Under 70 and healthy... no pre-con.

I heard of Falcon (no quote yet) but wonder if anyone had them or others they recommend?

Thanks!

I have Pacific Cross. Used it for my OA visa and it also qualified for my LTR.

You can compare/buy policies on CheckDI (Used to be MisterPrakan) https://checkdi.com/intl/main?lg=en

Or if you prefer to speak to a Broker, try AA Insurance https://www.aainsure.net/contact_pattaya.html

32 minutes ago, SamSpade said:

You can compare/buy policies on CheckDI (Used to be MisterPrakan) https://checkdi.com/intl/main?lg=en

Or if you prefer to speak to a Broker, try AA Insurance https://www.aainsure.net/contact_pattaya.html

Thanks... I was hoping someone had personal experience.... so as to understand how they handle claims, etc.

I'll check that site..

I had a quote for Pacific Cross... but it was much higher than AXA...

1 hour ago, Martyp said:

I have Pacific Cross. Used it for my OA visa and it also qualified for my LTR.

But have you used it to pay for any hospital treatment?

WRLife, I know of 3 people that made claims without any problems. Go direct or through an agent same price

22 hours ago, wil iam not said:

But have you used it to pay for any hospital treatment?

No. I have a 40,000 baht deductible. I haven't had any serious illnesses. I have read comments from others that PC did pay their claims. My experience reading comments about insurance company recommendations is that you will always find people who love or hate a particular company.

On 6/25/2026 at 8:39 AM, Dezmo said:

Thanks... I was hoping someone had personal experience.... so as to understand how they handle claims, etc.

I'll check that site..

I had a quote for Pacific Cross... but it was much higher than AXA...

On 6/25/2026 at 8:39 AM, Dezmo said:

Thanks... I was hoping someone had personal experience.... so as to understand how they handle claims, etc.

I'll check that site..

I had a quote for Pacific Cross... but it was much higher than AXA...

On 6/25/2026 at 8:39 AM, Dezmo said:

Thanks... I was hoping someone had personal experience.... so as to understand how they handle claims, etc.

I'll check that site..

I had a quote for Pacific Cross... but it was much higher than AXA...

AXA always finds reasons not to pay.

3 hours ago, Martyp said:

No. I have a 40,000 baht deductible. I haven't had any serious illnesses. I have read comments from others that PC did pay their claims. My experience reading comments about insurance company recommendations is that you will always find people who love or hate a particular company.

So your treatments have all been less than your 40k deductible, or you have never claimed, yes?

Had Pacific Cross for 2 years. I had one hospital claim with Pacific Cross but they never paid.

PC rejected the e-filing from Samitivej Sukhumvit Hospital. Next they said I had to mail them 3 passport copies to prove my identity. Next they said I had to fill out paper claim forms detailing hospital treatment and mail them the original hospital receipts (no email allowed). Next they said they never received the letter with receipts I sent. Next I talked to an agent who said that if I make a claim my insurance renewal will go up because I am higher risk (1 claim in 2 years??).

I gave up trying to make a claim after 2+ months of aggravation. My year 3 renewal increased 35% despite no processed claims. I asked for an explanation from 2 agents and was ignored.

On 6/25/2026 at 8:52 AM, baansgr said:

WRLife, I know of 3 people that made claims without any problems. Go direct or through an agent same price

And here on AN there are many members who are very dissatisfied with WR

4 minutes ago, wil iam not said:

And here on AN there are many members who are very dissatisfied with WR

I also know of 2 people that took out a WRlife policy and had payment refused...do you know why, they took out the policy waited 3 months then got caught for previous/existing condition..basically liars👍.and there seems to be many people not satisfied with PC and other company's..what's your point???

53 minutes ago, baansgr said:

I also know of 2 people that took out a WRlife policy and had payment refused...do you know why, they took out the policy waited 3 months then got caught for previous/existing condition..basically liars👍.and there seems to be many people not satisfied with PC and other company's..what's your point???

What's my point? And here on AN there are many members who are very dissatisfied with WR, to which you have agreed.

19 minutes ago, wil iam not said:

What's my point? And here on AN there are many members who are very dissatisfied with WR, to which you have agreed.

And.many who are dissatisfied with PC, AIA and others...ask the people.that are dissatisfied what the problem was...the ones I know, were trying a quick one, fraudulent claims, lying on their application

On 6/26/2026 at 10:53 AM, wil iam not said:

So your treatments have all been less than your 40k deductible, or you have never claimed, yes?

Both. For eight years I never had a hospital bill over 20,000 baht. I've had treatments in the emergency room. Physical therapy for a month. MRI's. A couple of nights stay in a private hospital in a private room. All below 20,000.

Last January I elected to get shock wave treatment for a stubborn kidney stone. Kidney stones are a pre-existing condition for me so I paid out of pocket. The cost was $4,500 (150,000 baht). It was a private hospital. It included the private room overnight stay and the non-invasive surgery.