I would never buy travel insurance again to be honest. I had done, for years, but I find that they go back on their word on what they claim to cover as soon as you try to ask for help.
I had one that “provides funds to buy emergency items and clothing in the event of baggage loss or delay”… My bags were delayed at Port Vila airport, and I had to spend five days in Vanuatu dressed in winter gear (having just left New Zealand), had no towel, no insect repellent, no light clothing, no pyjamas, nothing other than the clothes I stood in ,and a small bag containing a book, my wallet and my passport. the insurance company said “your bag will arrive, so we’re not covering anything, take it up with the airline”…
When my bag DID finally arrive, certain items were missing. A pretty expensive camera, a pretty expensive hunting knife, and other camping gear. I thought "ok, the insurance company can finally help with this. No, they refused "the items wer not stolen from your person, nor were they in a locked room at the time of theft. Not covered.
On another trip, my camera was stolen… insurance guy tried to convince me that it was “just lost”, and therefore not covered… I had to go to the police, file a complaint, send them the report, and then they asked for “poof that I had made the trip to Australia”… they wanted the ticket stubs of my flights. Of course I didn’t keep them, and had to throw my claim up in the air.
cut to two years ago when I had travel insurance for a trip to the Us and had my wallet stolen. This time I ended up in hospital, because I’d been mugged for it, and with the hospital report, the police report and everything detailed, I was confident that the insurance company would stick to their policy and "forward funds to cover costs in the event of the loss or theft of credit cards and/or cash. No go. Not even the hospital fees. “Should have threw your wallet at them and ran away”… and as for assistance with money “We can put you in contact with your embassy or family”… I took insurance so that I wouldn’t have to call my mother to ask for her to fly me home after being attacked in the subway.
From that point on, I’ve never got insurance. If your hotel double books, the company will tell you to take it up with them. If you fall down a flight of stairs, they’ll pull out sme clause about you not holding the handrail.