Nothing to do with the airline?
I don't share the moderator's view that this necessarily has nothing to do with the airline. This may depend on numerous factors. Among them, did you purchase the insurance through the airline or with a link from the airline homepage? If an airline offers such insurance, then they are affiliated with it and thus morally, even if not legally, complicit with the bad practices of the insurer. Was it an insurance plan through an online ticket site. Then maybe your complaint is better lodged against them. I'm not sure if the various online insurance companies that sell insurance for a flight with US Airways need the compliance of US Airways to do that, or whether they generally have that compliance. If they do, then it seems to me that US Airways is also complicit. I would be rather surprised if US Airways didn't have agreements with various online ticket agents as well as insurance companies that allow (or promote) the selling of insurance to US Airways flights. It would surprise me if that weren't the case. But I do not know what the case is.
Here I am not speaking as much to the legal responsibility (they probably cover themselves with fine print that they know noone reads). I am speaking about moral accountability. Don't buy the insurance again unless the fine print meets your needs. And if you find that US Airways in complicit in it, fly with another airline.
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