Thanks for sharing this. Travel insurance companies can be really dodgy. Its good advice you stated keeping a copy of all travel documents (especially boarding cards). I would advise people to look at International medical insurance, or “Expat Medical Insurance” policies that aren’t specifically for travel. Of course you don’t get insurance for luggage etc, but you can get proper medical care that you can use anywhere or in a specific region. I went to see Assist Thai visa in Chiang Mai who work with over ten insurers. I ended up with insurance from ACS AMI which covers me permanently in South East Asia. Premiums cant be increased due to illness and I am covered for life. OK Im not strictly a nomad but Im travelling a lot to other SE countries now while being based in Chiang Mai at the moment. Also covered for 2 months trips worldwide (although outside Asia its for emergency treatment but similar to most travel insurance plans etc). For $1000 a year Im covered for anything that involves staying in hospital overnight, or any operation, or any follow up care connected to it. In Asia most hospitals will gladly keep you overnight if you ask them. Also good is Pacific Cross and a number of others.