The fact is that in most cases Insurance Companies do not like paying out on claims in relation to Travel Insurance.
Example. Last year my wife and I got caught in Rome when the debacle occurred at Dublin Airport. We had to book flights to Heathrow, Hang around all night and then cathch the first flight to Belfast and then Taxi it down to Dublin. In Rome, I was told to place my camera in my bag , and yes guess what when I got home the camera was nicked. Went to claim the expenses of approx €2.5 thousand but nothing was covered. However, I claimed for the camera and received a cheque last week, over 1 year later for half teh cost of the camera. Insurance was with a reputable company but my broker told me tough.