You ask about Frio bags. I have used them for holidays in India, Africa, South America and even in the Middle East when the temperature can get pretty high. I have not experience my insulin going off at any time. I try to keep them out of direct sunlight and refresh them regularly.
As you have used them in Europe, you probably know about flying with them: some ultra-efficient security staff are concerned by the gel in the. For this reason, I wait until I arrive at the hotel before soaking them in water.
And as I have been trekking and camping on most of these trips, I have not always had cold water available. Frio is fine with warm water.