Over this past weekend I traded some email messages with Christopher Elliott about travel claims and what a consumer should do if their claim has been denied and they feel it’s covered.
Chris just published a good article on his web site, 7 tips for winning your travel insurance appeal , that summarizes the process you want to follow if your claim has been denied. This information is also availableat, When Claims Go Bad
You do have rights. Knowing and exercising them will make you a better consumer.