Pick a policy that explicitly covers motorbikes if you plan to ride between Chiang Rai hotels and hill-tribe villages—many exclude claims without a valid motorbike license. Add medical coverage for dengue, which peaks Jun–Nov, so mosquito-heavy day trips don’t turn expensive. Include recreational diving if you’ll explore underwater sites on Chiang Rai day trips. Since evacuation risk is low, focus on strong hospitalization benefits rather than pricey medevac upgrades, but confirm direct-pay to Thai hospitals so you aren’t asked for large deposits during Chiang Rai nightlife mishaps.