You only ever seem to hear complaints about travel insurance companies and that we're a bunch of cheating lying thieves. Well, we thought we'd open the lid on a little of what we do and tell it as it is from some of the people we have helped.
I was on a ski holiday practicing my downhill when a snowboarder collided with me out of nowhere. Both my shins caught the sharp edge of his board and cut me right through two layers of pants! I made my way to first aid, and they immediately sent me to the hospital to get 6 stitches. 
Lake Louise, Canada