RBC Insurance Travel Insurance Reviews

First flight delayed 30 minutes, then we are stuck in the plane for another 45 minutes due to a gate malfunction. Total time delayed, 1.25 hrs resulting in a missed connection. We cannot get rebooked on the same day, so spend a night in hotel. We submit a claim for the hotel. Simple? No. We are being challenged based on delay of aircraft being "only 30 min", and they are not responsible for the gate malfunction. "Common sense" says this is exactly why I get insurance? If AVION won't cover this, why do I get insurance? Terrible.

When I bought travel insurance in November for travel from January 8 to April I was covered for covid. Now 1 week into my trip I learned that covid was taken off on December 23 due to a government non-essential travel advisory.
Rbc did not inform me of the changes, so now I'm on my trip without covid insurance. Fine if they want to make a change but need to tell me about it so I can make the necessary changes. I find their action rude and probably illegal. They broke our contract and kept my money.