Please review this matter.

My wife and I went on a Mediterranean Cruise in April 2019. We took out travel insurance with TIC because we are pensioners and wouldn't have been able to afford medical expenses if any one of us would experience illness of some kind during the trip. We paid a lot of money for the insurance. However, during our return flight from Barcelona to Dubai, my wife developed DVT. When we arrived at Dubai she collapsed when we left the plane. She was rushed to hospital where she was hospitalised for 3 days with all tests being taken. The total hospital fees came to R 15 000.00. In the meantime I had to stay in a guesthouse at a cost of R 12 000.00 and travelling fees of R80.00 per trip for 7 days. When we arrived back in SA I submitted a claim to TIC which was rejected due to a clause in the policy which excludes Cardio Vascular problems. THIS WAS NEVER EXPLAINED TO US WHEN WE TOOK OUT THE INSURANCE. This meant a total loss of R 30 000.00 for us. WE FEEL THIS IS VERY UNFAIR! WHY TAKE OUT INSURANCE WHEN THEY EXCLUDE CERTAIN THINGS WHEN THEY CATCH YOU UNAWARES. I JUST WANT TO WARN PEOPLE NOT TO WASTE THEIR MOBEY ON TRAVEL INSURANCE WITH TIV.