Travel insurance is most painful when a claim is declined for a reason buried in the PDS: exclusions for certain activities, unattended luggage rules, or medical conditions that were not disclosed when required.
Government guidance consistently stresses reading the fine print before you travel, not after something goes wrong. The same destination can need different cover depending on activities (cruising, skiing, motorcycling) and whether you need cancellation flexibility.
Comparing policies side-by-side on limits, excess, and exclusions usually beats choosing on price alone.