Possibly. The key to reclaiming is whether staff sold you an account that didn't cover you for the main thing you wanted it to.
So if you took out an account because you wanted the travel insurance, but at the point you needed to claim you discovered you were ineligible, then it doesn't matter that you were eligible for the included breakdown and mobile insurance – the travel insurance would be key. According to the ombudsman, each case will be looked at individually and the whole picture considered.