Travel Insurance What a mind field!

I have been looking at a number of sites and even got a call back after an inquiry. How interesting is insurance. All the ones i have looked at so far have a heap of exceptions. I could walk all the way to Brisbane airport from here on fine print. I need it to be accepted on the study tour but all I can find is market value replacement. So I can look forward to having my stuff replaced with similar gear of the same age. WOW WEE