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You need to pay up front and later be reimbursed by your insurance provider I meant.

My new door mat going into my workout room. actually this is a photo the company sent me showing what it will look like when I get it.

i have a standard travel insurance, but i might need to get another one if i plan on fighting...

I would always suggest people to get good insurance (no one like to pay it) because IF something happens you need to pay it all from your own money and costs can be pretty high (especially as a farang ). Even if you get hit by a car (and it's not your own fault), perforated appendix, some serious injury/illness, ... Quotes for insurance are really different if staying long term vs 3 month travel. But still something to think about. Enough people already needed to start a GoFundMe or other things to collect money to pay their hospital bills. Probably, yes.

But you would probably have to pay up front I guess?