Sold as travel insurance but only want to pay medical

We purchased travel insurance, however while traveling our transport broke down causing us to have to return home after a week and a half of of our five and a half week planned holiday, which was paid in full. None of this was our fault and we were unable to recoup anything of our prepaid accommodations and had to purchase airfare extensions. We paid a premium for the insurance due to some existing medical condition which were not a issue in this matter.We were contacted by the insurer after we submitted the claim and informed that the transport issue was not covered.This travel insurance is misrepresented and basically only covers medical issues

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