Insurance companies do everything in their power to convince us to get on board with them, assuring us that they will be there for us, through thick and thin, in sickness and in health, till whatever do us part. When sickness does arrive though, they flee faster than a groom or bride who caught cold feet the night before their wedding. Gone with the wind and the dress, they're suddenly nowhere to be found. In other words, when they had said, ‘We will cover the cost’, what they really meant was,…