Yikes, what a horrible and expensive situation. How disappointing that RS recommends this insurer. TravelHound’s suggestion is good. Also consider:
-filling in Small Claims Court, the rules and maximum amount varies by state. -submitting a claim through your credit card company through which you purchased the RS trip, flights, etc…
-send a certified letter to AO; addressed to the CEO or a higher up. In other words, go to the top of the food chain.