In these types of situations, the terms of the insurance contract will govern whether the company has to pay for the loss. There are some exceptions, for instance, if the contract is "illusory." In other words, when all the sections are read together, the contract doesn't really cover anything. You need to carefully review all contract language to determine what is covered. If the typeface of the insect bite exception is smaller than all the other typeface, you may have some argument. However, generally speaking, if the contract you signed indicated that disabilities caused by insect bites are not covered, then disability caused by an insect bite will not be covered.