I have always travelled to Thailand with insurance its free with my platinum credit card, when I travelled in January I took out a years policy with AXA then found out it was only valid for a single trip my fault for not reading the small print now after over 100 days in Thailand i have returned to OZ to work and will be going back to Thailand in 2 weeks for a week and then to the UK for 10 days and then back to Thailand for 2 weeks and then back to work in OZ for a week then back to Thailand for a week and then back to work for a week and then back to Thailand for 5 weeks, I was quoted 59000baht today for years health insurance for non immigrant spouse visa, the problem with the Thailand pass health insurance is the minimum cover is for 30 days and it is all single entry, most people go on holiday for 2 weeks there is no option for that and many travellers will want to go for a week in Thailand then go to other Asian countries and maybe go back to Thailand for another week before going home, I do not have a problem paying the insurance but it should be available as a multiple entry and exit policy otherwise it is just a scam.