I have the same opinion like the most of you guys.
I'm with MachoTacoSauce...Insurance Companies just make money and to get your money they do all things to actually keep the money.

It's the same with Travel Insurances while Corona...you close a deal for a travel but then something like a pandemie happens and the Insurance can't help you cause it's not their issue and Area of ​​responsibility.... Congratulations!