Allianz Global Travel Insurance The company refused to reimburse baggage loss and trip interruption due to illness. Richmond VA

My husband and I went on transatlantic cruise from Miami to Barcelona on April 22, 2018. We arrived to Baarcelona on May 6, 2018 and continue our travel in Europe visiting diffrent countries. 

When we booked the cruise I bought travel insurance for cruise coverage. And for the travel in Europe we bought travel insurance  

from Allianz Grobal Travel Insurance company in February 2018 for over $ 900, which was supposed to provide coverage starting from May 6, 2018, when we arrived to Barcelona, Spain to July 20, 2018, when we planned to return back home in US.

(Policy # 0005612537).

During this trip my backpack, part of our laggage, was stolen with my iPhone 8+ in it. 

In June 2018 my husband became very ill with severe back and right leg pain and was not able to walk inspite of pain killers and muscle relaxant. We decided to promptly return home to seek medical attention and treatent. We canceled all futher reservations

and returned back home on June 19 (instead of July 19 as initially planned) with my husband on a weelchair. 

I filed a claim with Allianz Grobal Insurance due to trip interruption and baggage loss and submited alll required documents including doctor's note and police report for stolen backpack.

After about 3 weeks of reviewing the documents the person from clain department called me and stated that we are not eligible for reimburstment because our policy was supposed start from home or less then 100 miles from home, but not while we were already on the trip. She emaled me awebsite of appeal department, but it was not available on line!

As a result of this denial we have lost over $ 2500 including cost of insurance!!

My husband and I are retired and this amount of money is very significant for us.

Is there any way to help us with this issue?!