I unfortunately purchased an IMG travel insurance policy for a recent trip to Italy. There were no direct flights to Florence so had to stop in Frankfurt first. There was a 2 hour layover before the flight to Florence; yet Air Dolomiti (Lufthansa) managed to leave my bag behind. Did not receive the luggage until the next day. IMG denied my claim and said baggage delay was not a covered event. Policy clearly states the luggage delays of six hours or more ARE covered. Only looking for a very modest reimbursement of 118 euros. Am appealing decision but will never use IMG again. Stay away! With all the reputable insurance carriers out there, pick a known company. Real scam artists at IMG.
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Citizen of the World
3027 posts
Providing you reported the baggage was missing to the airport in question with a Property Irregularity Report ( PIR), inform IMG that, if the appeal is denied, you will forward your claim with a complaint to your state’s Insurance Commissioner. And then forward all claims documentation with a copy of the IMG policy to the State Insurance Commissioner if your claim is denied again.
You may also have reimbursement rights under the Montreal Convention.