XCover.com & RentalCover.com review: Denied insurance after brain injury from assault with doctors note.

I purchased insurance for my flight to Europe. A few weeks after my trip, I was assaulted, knocked unconscious and now am suffering Traumatic Brain Injury, concussion, and several herniated discs in my back. I am unable to travel due to this incident. I filed a claim which my insurance wording clearly stated TBI was covered underneath my package. I provided a doctor's note stating my injury which is Traumatic Brain Injury along with 8 other diagnoses, my doctor wrote the symptoms of the brain injury, and my claim was "Denied without any further consideration." The "reason" was "Your protection doesn’t cover illnesses or medical conditions related to a mental, nervous or psychological condition." In what world is a Traumatic Brain Injury considered a "psychological illness"? I was assaulted, had my head cracked open, concussed, and am facing long term disability due to an INJURY - not "mental illness". Absolutely ridiculous, such a scam