And you would be entirely correct - if insurance companies acted in good faith, the reality however, is that they don't. Your comments are already littered with replies of people giving you examples that they've personally experienced of carefully constructed exclusions meaning that they can't actually claim their policy.

I have no doubt that there are people out there for whom travel insurance has saved their ass, but I know from my own experience in the industry that the far more common experience for policy holders is to wind up with the insurance company finding a reason to not pay up, and now you're left both with the cost of the emergency, as well as the cost of the policy.

Like I said, it's your money, and I'm certainly not going to give a shit if you keep buying travel insurance policies, hell - people buying insurance policies pay my salary (though i don't work in travel insurance any longer)