Or you just say "yes, this trip was in the following dates and not during my claim, which you can see from (provided documentation or other posts you made)" (and you can also untag yourself from other people's photos)
This opacity is just another form of information asymmetry, benefiting the large asset holders and negatively impacting the individuals.
Yes; to you. The insurance company just has to figure out if it's cheaper to see you in court, or to pay for your medical claim.