Earlier quoted context omitted.
Travel insurance is -EV. For the average person who uses it, they will spend more than they recoup. Otherwise the insuring company holding their policy would, you know, not be in business. I don't think there's very much skill in opting in to a -EV bet. The purpose of insurance is to avoid catastrophic losses, which is not a factor in this anecdote.
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It is in no way comparable to insurance. Your only influence over the outcome is to commit fraud (which is in itself a massively -life EV proposition). You are at an unbelievable information disadvantage, because the insurance companies are the ones holding all of the cards and have counted them thoroughly.
You have not actually posited a way to gain an advantage in taking traveler's insurance. If it were a skill issue, you would have elaborated on the skills required to do so. Instead you simply suggested that having traveler's insurance at all is a skill issue, and when called out, deflected to completely irrelevant topics.