AIG Travel Travel Guard Denied valid claim Stevens Point Wisconsin

I booked a flight for wife and I from Kunming China to Chiang Mai Thailand in September with return flight from Chiang Mai to Kunming on 10/3.  The purpose of trip was tourism.  I  purchased the Travel Guard flight insurance from the link on the orbitz web site.  In Thailand, my wife had to see a dentist who wanted to do surgery.

The surgery was delayed until Oct 3, the date of our scheduled return flight to Kunming.  I changed the flight, having to pay an additional 600 usd and filed a claim with Travel Guard/AIG.  They made every excuse not to honor the claim, first lying and saying that the trip's purpose was to see the dentist.

When I proved this false, they said they only honor claims when the illness in unexpected. Of course, my wife's toothache was not expected.    This is a rip off scam company.  Nobody should ever purchase this insurance.