Hi frogblogger,

I never thought that vet could be both but of course you're correct! If I were a 'vet' that takes care of animals I could treat myself. I, and I'm guessing a significant number of expats in Thailand, am former military which entitles me to a certain level of medical care - so long as I'm here in the US. Once I leave our teaming shores and head to exotic destinations then I'm on my own. I would guess that most US expats who are also seniors are former military. And most of those probably have no medical coverage or belong to a "group" such as Blue Cross, Blue Shield or Kaiser which gives them either medical care at reduced rates or free [perhaps a small co-pay] service. As a group in just Thailand that's probably a LOT of people that are potential customers for some sort of product/service. I would think the right 'product' should include ALL non-Thais living in Thailand not country by country which would probably exceed a million of us in need of some coverage and give us a fair bit of clout to negotiate lower rates for hospital stays and all of the other procedures - rather than each of us paying full bore retail when we are most in need and least able to negotiate.

Serendipity2