Rip of train ticket insurance

Anyone have any advice on how to approach this?

We we’re going on a family weekend to London. Bought advance non refundable train tickets but also added £5 insurance option. Low and behold I test positive for c19 and we can’t travel. Every other booking was refunded no issues, however, when I make a claim on the policy COVID isn’t covered as “it could have been foreseen”. Does this seem right?


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