I was just told a story by someone I know who agrees with my views on this. This person works for an insurer in customer service and had a TIM call up today, the conversation (names changed obv):
My friend: Thank you for calling XXX, you're speaking with Traazer's Friend, how can I help today?
TIM: (Clear male voice) Hello, I have some queries about my travel insurance policy
MF (Automatically): Of course sir I'd be happy to assist
TIM: It's madam
MF: Oh OK my apologies, I'll just need to confirm the details I have for you, can you confirm your first name for me
TIM: Timelda Jones
MF: (panicking as the screen said Timothy Jones) OK, can I confirm your date of birth please as I have some conflicting information?
TIM:This is bloody ridiculous you should have this information already, it's changed
*blah blah blah they get to the purpose of the call*
TIM: "So my question is, I'm intending on going to Turkey for gender reassignment surgery, does my travel insurance cover me for this?
My friend then had to explain that obviously fucking not, your policy is voided as soon as you step foot in another country for the purpose of discussing anything surgery related. This went as well as you can expect.
My friend (whilst nothing but professional) didn't refer to this person by Madam once during the call which pleases me greatly. The idiot still demanded to be put through to complaints though