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What to do if an injury is required in Phuket requires surgery, Thais offer an operation for crazy money, 5-6 times more expensive than in the Russian Federation?
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In titkov is done promptly, but hardly retroactively. Well, or do as soon as possible and as ready as it will be immediately to the hospital contact, if the fact of an accident or damage is not recorded earlier.
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Write to the insurance company and ask directly, but in general it is better to learn a lesson for the future, yes.
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In hindsight, it is unlikely, even in the usual way, the insurance already traveling" begins to work in 5-6 days."