What did you do about Schengen visa inusrance?

I was denied by the german consulate the other day because my insurance letter included the line "Benefit info is not a guarantee of payment", which my insurer told me was standard... has this kind of thing happened to anyone before ... this was a major co. Aetna medical... Thereafter, I had to google and buy travel insurance from one Atlas International... they have given me a letter as well... this letter says "other limitations and exclusions apply". But it seems like this travel insurance co. is pretty ured about the validity of this letter for schengen visas , bec it is explicitly advertised as such. My question is, HAS ANYONE USED AN ATLAS INTERNATIONAL VISA LETTER TO GET A SCHENGEN VISA BEFORE?