Allianz Global Assistance Access America Non-responsive and Lack of Service and Unaccommodating , Internet

I purchased two United Airline tickets for a return from a cruise vacation. I also purchased this insurance from the United Airlines website at the time. This was August 2012 for a May 2013 trip. I just learned last week (FEB 2013) that United Airlines changed our flight times that would make it virtually improbable that we would make that flight. Additionally, the next flight that United had was 12 hours later and it would be a 12 hour travel time arriving the next day versus the original. United canceled my flight as permitted due to their schedule change not mine, and refunded the fare. This was good news except for the reason I purchased the flights 9 months ago was because of the great fare.

So, to get another flight we paid literally twice the amount to get on a Delta flight, so we were refunded $830 from United and paid $1780 to Delta. United advised me to contact Allianz for my $45 refund. I did. They wrote me and said "may cancel an Allianz Global Assistance insurance policy within 10 days of purchase, but no later than the day prior to departure. This information was outlined in your Letter of Confirmation as well as your Certificate of Insurance. Because your request was after this 10-day period, we will be unable to refund your premium."  So according to them I would have had to be a United Airline mind reader to cancel my policy by August 17, 2012 due to a United Airline May 2013 flight schedule change made in FEB 2013? HUH? So, then I advised them that I would have to file a claim since I will not be on the United Flight as scheduled and I would also be delayed more than 6 hours and then baggage claims, etc which would cost far more than $45, and they responded with "We cannot see that you have canceled your flight or that you have re-booked your flight. We can transfer the policy to your new trip. Please email us your new travel dates and we will be happy to update your policy." 

So I wrote back and said fine, transfer my policy and send me confirmation so I sent them a copy of my original United confirmation with pricing that was canceled along with my new itinerary on Delta. And to date they have failed to respond. I sent my third request for a response yesterday and still no response. Clearly to me this company is all about ripping people off for small amounts that add up after you catch enough people. There is no doubt with this handling that they never intended to honor any issues with this policy ever. Also, I'm hugely surprised that United would partner with this group in any way since they don't seem to care if there are schedule changes by the airlines and through no fault of the consumer. This is a racket that the insurance commissioners should be reviewing.  I have purchased from SQUAREMOUTH.com and see that Allianz is a participantwell they must not get much business because Squaremouth claims to have a no complaint guarantee. This company must price too high to get customers through that site because my request is FAR from unreasonable.