reason its so difficult to process claims from Thailand (and India) is that its well known that a large proportion of claims are ficticious....medical/police/hotel/receipts and reports can be fabricated for a small fee....so suddenly some looser on a тВм600 flight gets leather jackrts, i-pads/pods/phonrd+play stations+xboxes+ rolex watches+18 carat gold chains "stolen"out of his room...expecting to turn a profit on a two week holiday......if I was an insurance company I would also ask difficult questions.