Insurance is by definition a losing proposition: if, on average, clients got back more than they paid in premiums, there'd be no such thing as insurance. But that's the way the cookie crumbles. Either buy insurance and be covered for eventualities like medical problems interrupting your trip, or don't and be prepared to eat the cost of changing your tickets (or buy non-refundable tickets). Expecting the airline to cover your personal eventualities at no charge is quite a stretch.