Visitors Insurance

I have taken travel insurence for 82 days from 24/04/04 to 14/07/04 for my self and my wife as we planed to return from our usa trip by 14/07/04.While coming our bagage delayed for 3 days and corris international has paid $100 dollars.we have got our return ticket confirmed for 18/07/04 and we will reach India by 20/07/04.
We have taken the insurence for 82 days on the advise of the agent and assurence that any time the insurence period can be extended.This is also there in the policy that the insurence can be extended for a total period of 360 days(initial 180 days and Extension 180 days). I approached the icici authorities to extend our policies up to 21/07/04 and initially they asked me to pay Rs312? each ploicy and after wards they changed their version that the policy cannot be extended since a claim has been paid. I have given enough carifications through mails but the authorities sent me regrets.This is very horrible since our policy premium is inclusive of our return journey and other risks like loss of passport,bagage etc for our return journey also.Will it not come under cheating the policy holders. even the icici is not ready to make a fresh insurence policy for the extended period(Since no company i found that take up one way journey insurence )