While stories abound of people fighting with their insurance companies over one or other issue – although friends and family may not be a reliable source – a minimal number of complaints reached the office of the Ombudsman for Short-term Insurance (OSTI) last year.

One of the reasons why insurance claims are rejected is because the insured failed to understand the details of the policy, especially what is covered and what isn’t, according to the Ombud for Short-Term Insurance.