I would suggest that you take this action further. Put it is writing (again, if possible) and state what you have in your writing, that since the item was in your carry-on which was subjected to gate check-in, you were not able to fully ascertain immediately that it was packed. Disruptive influences while on the road shakes confidence and sense of control, sometimes one tends to be extremely apologetic – to their detriment. Address the letter to a senior person within the insurance department with the usual evidences of travel: boarding pass(es), what remains of the air ticket, baggage checks and anything else that would be of help. It happens more frequently than you may think. Goodness, you know – everybody reasonable knows – it was not your fault!
carrynoIncident