The blame comes earlier - he should have read his insurance policy before buying it. Along with the policies of the airline(s), cabs, web sites, phone services,

The blame comes earlier - he should have read his insurance policy before buying it. Along with the policies of the airline(s), cabs, web sites, phone services, hotels, ... Basically, every service provider provides custom contracts with different exclusions, because that's the environment. We need to get to a common set of expectations - like in a restaurant. Those expectations differ between countries/regions (is tipping expected? is water free?) but you have a common set of expectations that aren't governed by individual contracts for each restaurant.