Credit-card travel insurance claim denied: who is the actual insurer?

Complimentary credit-card travel insurance is often underwritten by a separate insurer. Before disputing a claim, identify the insurer or underwriter named in the policy document, not just the bank or card brand. Keep the card-benefit terms, policy wording, activation or eligibility evidence and claim correspondence. Guide: https://getinstantlaw.com/travel-insurance-claims-disputes