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Travel insurance refund issue
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Holiday insurance covers you, from the date you take it out ,if you are unable to go due to illness etc.
It also covers you for loss and medical costs while on your two week holiday.
If you got ill or broke a leg or diagnosed with some condition that prevented to travelling , between taking out the insurance and going away the insurance would have covered any loss of payment for the holiday but it would not cover any medical costs.
If any of these things happened on holiday it would cover your medical costs incurred while abroad.
Do you expect a refund of your car insurance if you don't claim from it during the year.?
Do you expect a refund of house insurance if you do not claim from it during the year?
You got additional cover at no extra cost as a goodwill gesture. That is more than they had to do.
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