I would like to second and strongly advise this advice to contact the ombudsman.
I got cheap UK travel insurance, got my jaw broken in Australia, racked up huge hospital bills, hotel bills, curtailment bills...
They tried every trick in the book to not pay.
Although it took over a year the ombudsman made them repay every penny.
It seems you documented everything well - the ombudsman attaches a huge weighting to the medical opinions of treating doctors, so you have a good shot.
I got cheap UK travel insurance, got my jaw broken in Australia, racked up huge hospital bills, hotel bills, curtailment bills...
They tried every trick in the book to not pay.
Although it took over a year the ombudsman made them repay every penny.
It seems you documented everything well - the ombudsman attaches a huge weighting to the medical opinions of treating doctors, so you have a good shot.