Didnt cover cancelled flights?

Our Family of four Travelled from Bulgaria to Rome. We had to stay overnight and make a connecting flight in Sofia. When we arrived at the airport the following day, we discovered that our connecting flight to Rome had been cancelled. We then spent hours in the airport, with two small children panicking on websites trying to rebook a flight. Eventually the following day for double the price. It was incredibly stressful, our credit cards wouldn't work we ended up having to call our sister in Australia to help us. We went back to the hotel and then caught the connecting flight onwards to Rome the next day. Missing valuable days of our holiday with friends who were waiting in Rome for us. When we returned to Australia we began the complicated process of trying to get a refund from the company that we had used, they were called Travelgino. During that process, we realized that they absolutely diabolical reputation and there were thousands of people across the world complaining that they hadn't been notified of cancelled flights. There were whole special websites set up to complain about them and to help you with the complaint process, which really showed how widespread this problem was. After a number of months of chasing them, the company actually went bust! We then went back to Medibank expecting them that they would cover us for our cancelled flights. However, our claim was rejected on the basis that the company had gone bust. We went back to Medibank and explained that that had happened after the event, and that was not the reason for the cancelled flights. They said it didn't matter and the only thing that we would be covered for would be if there was a strike. We have resubmitted the complaint back to Medibank again in the hope that they will reconsider, as it seemed completely ridiculous that travel insurance doesn't cover you for a cancelled flight. I have very little hope for a resolution, we have been Medibank customers for our medical insurance for many years and pay them thousands and thousands of dollars a year. If this isn't resolved I will be cancelling my medical insurance also, I wouldn't ever use them for travel insurance either. It's just really disappointing all around, my husband gets recently lost his job and that money would be really helpful at the moment. Highly unrecommended

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