Missrable Travel Insurrance - Doesn't cover much

Hi Guys, I am quite sure everyone sooner or later has the privilege to travel and needs an insurance to cover your belongings, your expensive tickets or any other risk involved against any eventuality not to mention accidental insurance during your travel. Some Airlines like Emirates or travel agencies sell such policy or that's what they claim. I bought back in July as always a cover through emirates with AIG I think they are not living up to their promises. I always sign up with them when I book a ticket on my travels overseas but it turned out to be a mistake. For the first time, I had a claim for an unlucky trip. The case is pending since July and they are using every excuse under the sky to delay the process. Yesterday the guy in charge ''James Batley'' is finally coming back to me telling me that the insurance is not even covering what was advertised to me on emirates website and their own policy. Apparently, their theft cover is not covering your luggage? It only covers your ''hand luggage''! How can the hand luggage be broken into if it is at all time with you and why would someone need that? This is not even stipulated under their own policy! What a joke. Choose a proper insurer guys, even if they are in my case a few ''Rands''more expensive than AIG. They are not worth a cent I wouldn't give them any star but unfortunately, we have to give at least 1 the way how the website is designed.