Bad advice given regarding travel interruption

Greetings from NY! We may need some advice on this situation, and hope we're in the correct forum! In early July '08, our credit card company verbally told us that we have trip interruption/cancelation insurance as part of our upgraded benefits package, provided a policy number, and agreed to send such documentation. Upon its arrival, the pamphlet didn't reflect much more than baggage delay and the usual dispute assistance in the event of a bad transaction or product purchase, but we didn't question (we had their assurances, right?!). A month later, my wife fell very ill while traveling within the U.S. and we needed to get her back home. The credit card company told us to contact their contracted Benefits Administration, who stated that we might not be covered for it (!), but they'll get in touch with the associated insurance company and get the paperwork out and the claim rolling in the meantime. Shortly after we arrived home, the insurance company itself denied the opening of a claim as my policy number didn't actually have trip interruption/cancelation, and the credit card company refuses to work with the Benefits people or us to acknowledge to rectify their rep's error and honor what we were told (had the rep known what she was talking about, we of course would have pursued an alternate course of action by purchasing a separate, actual travel policy!). We're out a few K in losses. Luckily, my wife's alright now, but combined with this and some other situations, she must now take an undefined leave of absence from her job to recuperate. We are probably not going to have the funds to cover attorney's fees up front -if at all, as we're now going to be two people trying to live off of one NYC teacher's salary. The complaint and receipt copies are headed to the NYS Attorney General's office since we didn't know what else to do prior to discovering this website for advice, but we wanted to know if there's more to know or do in lieu of the AG's review. Thank you for any thoughts thus far...

Nothing... anyone?!

I don't see where you have anything to complain about. You were given a copy of the pamphlet defining your coverages, you read it, seen that it said nothing about trip interruption, but you didn't say anything about calling and getting that information from the CC company. They will deny any of that conversation took place (with the trip interruption insurance provided), and you won't be able to prove it did with all the information you have, simply that they gave you a policy number to the policy you DID have, which did not cover what you wanted it to.

What will rule is the written contract.