Allianz Global Assistance

Revdex.com: I understand that they required a doctors examinationIt seems only fair that they should make this clear on the web site where they advertise coverage for medical issuesAnother issue that is hidden deep in the policy is that it can't be something that has occured in the last six or nine monthsThis stipulation rules out anyone with a chronic illnessI believe that this too, should be made clear up front; after all who else would be most likely need coverage for medical reasons? If consumers are to be protected from slight of hand, cons, greedy businesses and just immoral business practices, I believe that consumers should speak out to protect other unsuspecting, if even naive, consumers Disappointed, [redacted]

Dear [redacted] : Thank you for forwarding this matter to my attention Our insurance programs are like any other type of insurance in that there are terms, conditions, and exclusions that impact coverage In particular, our trip cancelation/interruption benefit reimburses when there is a hour stoppage of service on the consumers scheduled route by the airline According to flight records, the airline did not stop offering services for consecutive hours as there was a flight that departed on the consumers scheduled routeThe insuring agreement is very specific in its termsUnfortunately, not being able to board that flight due to availability of seats was not listed as a named peril Sincerely, [redacted] Claims Escalation Analyst, USA Allianz Global Assistance [redacted]

I have been screwed by this insurer not once but twice Being that this the only travel insurance that [redacted] offers I have always purchased the travel insurance thinking one day it may pay off Well I couldn't have been more wrong They only off one policy and after you review the "General Exclusions" section you'll see that this section basically gives them the ability to contend and deny virtually any claim made by a policy holder My first experience filing a claim with this pathetic excuse for an insurer was when I was traveling to a safari in Africa and while in route to London [redacted] Airport we were re-routed to Dublin due to weather at [redacted] We were forced to stay overnight there and miss our connecting flights Not wanting to take a chance and miss any of my safari, instead of waiting to be rebooked on a flight to [redacted] where I would catch a connection to Amsterdam I just bought a direct flight from Dublin to Amsterdam where I would catch my next connection in time to get to Africa on schedule Well Allianz didn't believe by purchasing a roughly $ticket to avoid losing what could have been thousands due to missed days and accommodation while on safari was a valid claim They also were extremely slow in addressing my claims and managed to drag the matter on for so long that they just wore me out I feel that this was the obvious intention of their plan and for that I just have to call them a shady operator Recently I made the mistake of purchasing their pathetic excuse for a policy on another trip overseas to Israel I had to purchase very expensive tickets months in advance Prior to leaving my fiance came down with terrible crippling anxiety at the thought of a 10+ hour flight to the middle east She went to a doctor and was recommended to cancel her ticket as her anxiety was effecting her work After submitting this claim, doctor's note and all, we were declined as this was stated in the "General Exclusions" of the policy statement This section basically gives this insurer the ability to contest virtually all claims submitted to them How ethical is that that they have managed to draft a policy statement that gives them the ability to deny almost every claim that comes their way This company does not deserve such a superior rating with the Revdex.com due to their quasi-fraudulent and unethical business practices

Dear Ms. J [redacted] : Thank you for forwarding this matter to my attention. We apologize for any frustration the consumer may have endured. Our records indicate that the consumer initially filed the claim due to “Travel canceled, family backed out”. As this was not a covered reason, the claim was rejected. The consumer then stated that the family member backed out due to illness. The policy was purchased on 6/21/16 and a letter from the doctor was provided indicating the family member was seen on 6/16/2016 prior to the purchase of insurance. This information did not overturn the denial the family member was advised during that visit on 6/16/16 not to travel. This would make the condition known prior to purchase. I regret that we are unable to provide the consumer with a favorable response at this time. Sincerely, Kalinda H [redacted] Claims Escalation Examiner 9950 Mayland Drive Richmond, Virginia 23233www.allianzassistance.com

Do not purchase this insurance. If you cancel your trip for personal reasons months before your travel you will not be refunded. My family reunion was cancelled and Allianz would not give my a refund on a very expensive trip.

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Their insurance covers basically nothing and their response to my compliant was so brief they obviously care very little about their customers I will continue to blast them with complaints on every review website possible so others will not get sucked into this joke of an insurance policy
Regards,
*** ***

*** ***,
Thank you for bringing this matter to my attention
Our insurance, like any other insurance had terms, conditions and exclusions that impact coverageThose terms were readily available prior to the purchase of the insurance and also emailed to
the address provided along with a day satisfaction guarantee periodThis allowed the consumer to look over the insuring agreement and if it did not meet the needs of the consumer, the policy could have been canceled for a full refund of premium
I have listened to the initial phone call in which the consumer advised our agent that it was snowing, sleeting and freezing rain where she was and wanted to know if it was covered
Our agent then went over the reasons we provide coverage for related to weather (mechanical breakdown of vehicle and your home being uninhabitable due to weather)The consumer at that point just said she would wait and see once it gets closer if she could make the eventAt no point was there a mention of a mechanical breakdown of the consumers vehicle therefore our agent did not go over the necessary documents needed to support that claimThe consumer at that point just said she would wait and see once it gets closer if she could make the event
At this time we are unable to reimburse for the claim without verification of the incident that caused the loss
Thank you,
*** ***
Claims Escalation Analyst
Allianz Global Assistance

Dear *** ***Thank you for bringing this matter to my attention
Our insurance, like any other insurance had terms, conditions and exclusions that impact coverageSpecifically included in those terms were the following:
A doctor must examine
you or a traveling companion and advise you or a traveling companion to cancel or interrupt your trip before you cancel or interrupt it.
If that isn’t possible, a doctor must examine you within hours of your cancellation or interruption
According to the documentation on file, a physical examine did not take place prior to the interruption of the tripDue to this we were unable to provide coverage for the consumer’s loss
Sincerely,
*** *** ***
*** ***
Allianz Global Assistance

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I tried to get my money back within hour of purchase and was told by the representative that I spoke with at Allianz that I would probably not get my money back because the reason that my son was denied lease was not a viable reasonI was not told at any time of a ten day cancellation periodEven though I called them within one hour to stress my dissatisfaction.
Regards,
*** ***

Dear *** ***,
Thank you for bringing this matter to my attention
Please have the consumer provide a policy number so that we may look into this matter further
Thank you,
*** ***
Claims Escalation Analyst
Allianz
Global Assistance

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[Provide details of why you are not satisfied with this resolution.]
Regards,
*** *** They are still not honoring their commitment, what else can I do

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to meI will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf the company does not perform as promised I can get back to you at: [email protected]
Regards,
Curtis S***

Dear [redacted],
Thank you for bringing this matter to my attention.
Our insurance, like any other insurance had terms, conditions and exclusions that impact coverage. These terms were readily available for review prior to the purchase and also emailed to the consumer...

along with a 10 day satisfaction guarantee period. The insuring agreement included the following language:
               
     This is a named perils travel insurance certificate, which means it covers only the specific situations, events and losses
     included in this document, and only under the conditions we describe.
Unfortunately, the consumer’s reason for cancelation was not listed as a named peril in his insuring agreement.
My review indicates that the proper decision was made and I regret that we are unable to issue reimbursement for the loss.
Sincerely,
[redacted]
 [redacted]
*
[redacted]

Dear MsJ[redacted] :
"margin: 0in 0in 0pt;">Thank you for forwarding this matter to my attentionWe apologize for any frustration the consumer may have endured.
Our records indicate that the consumer initially filed the claim due to "Travel canceled, family backed out"As this was not a covered reason, the claim was rejectedThe consumer then stated that the family member backed out due to illness The policy was purchased on 6/21/and a letter from the doctor was provided indicating the family member was seen on 6/16/prior to the purchase of insuranceThis information did not overturn the denial the family member was advised during that visit on 6/16/not to travelThis would make the condition known prior to purchase
I regret that we are unable to provide the consumer with a favorable response at this time
Sincerely,
Kalinda H[redacted]
Claims Escalation Examiner
Mayland Drive Richmond, Virginia 23233www.allianzassistance.com

I have been screwed by this insurer not once but twice. Being that this the only travel insurance that [redacted] offers I have always purchased the travel insurance thinking one day it may pay off. Well I couldn't have been more wrong. They only off one policy and after you review the "General Exclusions" section you'll see that this section basically gives them the ability to contend and deny virtually any claim made by a policy holder.
My first experience filing a claim with this pathetic excuse for an insurer was when I was traveling to a safari in Africa and while in route to London [redacted] Airport we were re-routed to Dublin due to weather at [redacted]. We were forced to stay overnight there and miss our connecting flights. Not wanting to take a chance and miss any of my safari, instead of waiting to be rebooked on a flight to [redacted] where I would catch a connection to Amsterdam I just bought a direct flight from Dublin to Amsterdam where I would catch my next connection in time to get to Africa on schedule. Well Allianz didn't believe by purchasing a roughly $400 ticket to avoid losing what could have been thousands due to missed days and accommodation while on safari was a valid claim. They also were extremely slow in addressing my claims and managed to drag the matter on for so long that they just wore me out. I feel that this was the obvious intention of their plan and for that I just have to call them a shady operator.
Recently I made the mistake of purchasing their pathetic excuse for a policy on another trip overseas to Israel. I had to purchase 2 very expensive tickets 8 months in advance. Prior to leaving my fiance came down with terrible crippling anxiety at the thought of a 10+ hour flight to the middle east. She went to a doctor and was recommended to cancel her ticket as her anxiety was effecting her work. After submitting this claim, doctor's note and all, we were declined as this was stated in the "General Exclusions" of the policy statement. This section basically gives this insurer the ability to contest virtually all claims submitted to them. How ethical is that that they have managed to draft a policy statement that gives them the ability to deny almost every claim that comes their way.
This company does not deserve such a superior rating with the Revdex.com due to their quasi-fraudulent and unethical business practices.

Dear [redacted]
Thank you for forwarding this matter to my attention.
 
Our insurance programs are like any other type of insurance in that there are terms, conditions, and exclusions that impact coverage.  These terms were readily available for review prior to...

purchase and also include a 10 day satisfaction guarantee period which enables consumers to review the product and decide if it meets their needs.
 
Unfortunately, anxiety is one condition that is listed as an exclusion our Certificate of Insurance guides and thus we would have been unable to honor the consumers claim for that condition.
 
The premium charged for the insurance is only refundable within 10 days of purchase as long as the consumer has not departed on their trip or filed a claim. I regret that we are unable to provide the consumer with a more favorable answer.
 
Sincerely,
 
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I purchased travel via [redacted] - their webapage Whether you’re flying halfway across the country or halfway around the world,
Trip Insurance from Allianz Global Assistance helps you plan for the
unpredictable. If an unexpected wrench interferes with your trip, you can have
financial protection from a global leader that covered over 13 million people
last year. Benefits of Trip Insurance include:
• Up to 100% cash back
for covered trip cancellations, delays, and interruptions
• Reimbursement
for the covered purchase of personal items when baggage is delayed for longer
than 24 hours
• 24/7 hotline assistance
Let Allianz provide peace of
mind and help take the worry out of unforeseen events that can disrupt your
travel plans. Please see the Certificate of Insurance/Policy for terms,
conditions, and exclusions.
Whether you’re flying halfway across the country or halfway around the world,
Trip Insurance from Allianz Global Assistance helps you plan for the
unpredictable. If an unexpected wrench interferes with your trip, you can have
financial protection from a global leader that covered over 13 million people
last year. Benefits of Trip Insurance include:
Allianz's policy is not readily available. I was lured into the obvious insurance benefits - you have to search out the details. Bottom line it was a worthless product. I have met and discussed this on Internet pages about their unethical behaviors. Apologize and refund my ticket purchase $498 and you should do the same for the other people you have scammed into a false benefit!
Regards,
[redacted]

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I called to see what would happen if the event was cancelled and to inform them of the  weather conditions and this was hours before the show.  I could not give more details or look up more details at the time because we hadn't tried to drive yet and didn't have a psychic around to let us know what was going to happen.  We went to pick up our friends and attempt to make it to the concert, however, when we tried to leave their house,  this is when the vehicle would not start.  Since I was led to believe that this would be covered and we did not think it was necessary to tow the vehicle at this time or have a mechanic come out and give me a note!!  - remember there were hazardous conditions and this was unnecessary at the time, we were only about 5 miles from our home. 
I feel that Allianz purposely misleads their clients into believing they have 'insurance' but doesn't follow through with their promises when there is a problem.  All conditions should be made CLEAR especially when I called regarding the circumstances.  In addition, why did I have to contact Allianz three times to even get a response????  Sounds like avoidance to me.
Regards,
[redacted]

Revdex.com:
I understand that they required a doctors examination. It seems only fair that they should make this clear on the web site where they advertise coverage for medical issues. Another issue that is hidden deep in the policy is that it can't be something that has occured in the last six or nine months. This stipulation rules out anyone with a chronic illness. I believe that this too, should be made clear up front; after all who else would be most likely need coverage for medical reasons? If consumers are to be protected from slight of hand, cons, greedy businesses and just immoral business practices, I believe that consumers should speak out to protect other unsuspecting, if even naive, consumers.
Disappointed,
[redacted]

Dear [redacted]:
 
Thank you for forwarding this matter to my attention.
 
According to our records, the insured called and spoke with one of our Travel Claims representatives on 1/10/2014 and was advised of the status of her claim.
 
As her...

loss did not meet the terms of the insuring agreement, we were unable to honor her claim for reimbursement.
 
Sincerely,
 
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]