Travel to Finland on Dec 2018, and one of the luggage’s never arrived until the very last night we were in the hotel ready for departure. Submitted the claim in January to Airlines and travel ins. Airline responded it was too late for them to take care of us. Fine no worries we have insurance. We are in June and travel insurance still asking for my airlines settlement that i never got one. Now they want me to send it to home owners insurance, but i payed them. Why they can not pay, when they sold my the travel policy they didn’t say I have to go to my homeowners insurance otherwise I would have never gotten.