No. As long as you do not accept the appalling ripoff exchange rate that the ATMs offer you, you will get the Mastercard or Visa rate, whichever your card is. And the rate is about as good as it gets. The Mastercard rate is slightly better than Visa's
This is on the London Embassy website NOW so maybe they are misinformed in Pattaya: "5. Copy of insurance policy which covers COVID and no less than 100,000 USD – please print the insurance certificate and all pages of the terms and conditions on the COVID coverage and medical benefits (some people were refused to board the flight because they could not show that their insurance meet this requirement)".
2c562 There is nothing about needing double cover here. Things r often wrongly reported in Thailand, especially, to allay their fears about foreigners being allowed to return to Thailand.
Fucking absurd when one Western policy for far in excess of $100,000 can be obtained which covers all these requirements, and has been accepted by the UK Embassy as such ever since they started accepting most visa applications. Not even the Thai declaration form to be signed by non-Thai insurers has been required.