Ok. There may be moral issues with the insurer but this has NOTHING to do with the airline (even if the OP bought insurance with a link from the airline website). I say this because it appears the OP has 2 primary complaints:
1. Not being refunded by the insurer (terms of contract w/insurance company)
2. Not getting travel funds from the airline for a flight s/he didnt end up taking
For #1, you can talk about the moral issues but fact of the matter is the issue rests solely with the insurance company. There may be some recourse here.
For #2, you HAVE to call the airline (PRIOR to the flight) to tell them you will not make the flight. It doesn't appear the OP had any emergency situation where s/he could not reach the phone and dial numbers. Since the OP didnt do this, it is a NO SHOW and the funds are lost.
|