That said, as someone who has gone through life and used my share of insurance, I think the guys attitude is exactly backwards. There are huge numbers of people out there working insurance fraud schemes. I nearly ran into a couple that was trying to 'brake unexpectedly and get insurance payments.' Since I leave enough following distance I didn't hit them and they were quite irritated. It would have been funny if it were not sad.
So the insurance folks try to set up a lot of processes that minimize that fraud or make it harder on perpetrators.
This guy seems to have set out with the idea that insurance was trying to rip him off, and by operating under that assumption, taking actions (or not taking actions) that make himself look suspicious.
An alternative course of action might have been to familiarize himself with the policy before hand, and the processes and requirements he needs to meet when he needs to use it. And then set up things like putting into his wallet, "If I am being treated at a hospital or clinic please call this number and inform this insurance company xx xx xx xxxx" My sister in law is a nurse and we know a guy who works as a volunteer medic around the world, and when you come into the hospital they will always look through your wallet for identification and insurance information, help them out there.
Life is so much harder if you assume other people are "out to rip you off" or "get you" as your going in position. It can ruin possible relationships and it certainly damages business relationships.