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Holiday Insurance

Hi - wonder if anyone can help - I recently claimed on my travel insurance as I was unfit to fly, they have not refunded the tax paid on my flight ticket within the USA, and they stated that they do not refund taxes.
My query is - why??? You cannot buy the ticket without the taxes and you cannot fly if you haven't paid the full price. What concerns me is that a transatlantic flight can sometimes be more tax than flight cost, so is this something new???
I have never claimed for a cancelled flight before - or holiday, which again surely contains taxes, just not shown seperately....

Thanks for any help! - I may just need to change insurers!!

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