I read today of yet another farang (a Brit this time) falling from a balcony (this time in Chiang Mai) and being treated in hospital for multiple injuries which - once again - his insurance company has declined to cover, so yet another 'Go Fund Me' plea - understandably. What is it about travel insurance these days that no-one seems to have the cover when an accident occurs? Are people just cheap-skating on the insurance cover and hoping nothing will go wrong, or are the insurance companies at fault for not spelling out their cover in language that a layman can understand? Whatever.... it seems to be coming a bit of an epidemic over here!