Barrhead Travel Service review: insurance 1

i taken out insurance with barrhead travel for my holiday in spain for myself and other three members of my family.i paid thirty six pounds each and i was told that this covers any illness or accidents on holiday.on holiday the small finger on my left hand became badly infected with poison so i went to the doctor on site to which i was told it would cost me 75euro just to look at my finger then any charge overall if i needed treatment this was buy the doctors secetary who was english.she went on to say my finger needed treatment badly but when i said i was insured with barrhead i was told its not a valid in spain so i said i would go to hospital and was informed it would cost the same.i ended up doing a diy job on myself to get the poison out.thankfully it worked.i have been back to barrhead and was told that i was insured then i got told that i should have went to hospital but told them i was going but got told it would cost the same the reply was sorry but there is nothing they can do but will pass on my complaint.point is what if i never done what i did and lost part of or all my finger who would have been liable