Allianz Global Assistance Refuse to pay cancellations as they advertise. Richmond Virginia

I bought tickets for Cozumel for my daughter and I through Orbitz in April 2015 to depart July13th.  I purchased insurance incase of cancellations, delays, or medical.  3 1/2 hours before the flight.  American Airlines called and said my flight from Corpus Christ to Dallas was cancelled due to a crew problem and there were no other flights available.  They then asked if I purchased insurance, which I did, and should cover lost cost.  My activities and hotel was all pre-paid in April.  I called Allianz that morning to file a claim and was told I will hear from them within 10 days.  A month later, no response.  I called back Allianz and was told my claim was denied because it was because of a crew problem and I should have read the "fine print".  I spoke to supervisor and I reminded her cancellations was the first thing they advertise.  I asked several hyperthetical questions and she had an excuse for every possible scenerio from cancellations, delays, and medical.  It was very apparent they have no intentions to pay claims and will demand the traveler to gather impossible information and paperwork.  This company is a true scam!  I researced and found out they apparently have "small print" excuses to deny the most common travel scenarios that they advertise they will cover.  This company needs to be investigated by Federal authorities and be forced to reimburse passengers that relied on them at a time of need.