I have used travel insurance direct for the last few years and have so far claimed three times
I'm surprised they still take me on!
Once was with the iceland volcano, where I was stranded in Dubai, had absolutely no trouble getting a refund for costs incurred.
2nd my son lost our new waterproof/shockproof/snow proof camera in the snow, again easy claim with money deposited in the bank quickly without question
And lastly I was taken off a flight from Rome to London with an extremely swollen foot, that they thought was a DVT but ended up being compartment syndrome, they were wonderful, immigration took my passport off me at heathrow, I had no luggage as that was still at the airport, I had no ID, no pounds (I was flying from Rome to Sydney so had no British pounds but i did have credit card and debit card, just couldnt get to an atm)all I could do at 4am in the morning was call TID and they arranged a hotel and taxi, the doctor at TID called me twice to check i was ok, they approved for me to fly business class back home so my leg could be elevated etc, they were wonderful, I'm so glad they were at the end of the phone.
We also ski/snowboard OS and they have one of the best covers for skiing as well.
Highly recommended
I know others recommend covermore as well
Just do a search online you can always get a code for $10off or 10% off, usually TIDTHANKS works.