Allianz Global Assistance

Review: I purchased airline insurance through this company, on 06/19/2013 I suffered an injury to my right ankle that rendered me unable to go on my trip. I went to the Tampa VA Hospital to seek treatment. I submitted all possible documentation from my primary physicain from the Orlando VA Outpatient clinic along with my podiatrists recommendations and notes from my medical records. On 08/07/2013, the discharge paperwork was requested. I was in the middle of an emergency transfer with my employer and those papers were not found. However, I went to the Orlando VA and printed out more notes from appointments that I had with my primary doctor and podiatrist on 07/03/2013. The Orlando VA is unable to access the Tampa VA system and I am unable to travel to Tampa to retrieve the discharge paperwork. I am in a cam-walker (walking cast) and I cannot drive long distances. I now reside in Jacksonville and I don't have the available time off to travel. I have more than cooperated with this company and have yet to receive my refund in the amount of 1,131.18. I faxed all documents to them in a timely manner and still have not been given the assistance due to me. There is no compassion what so ever! I can barely drive myself around town let alone long distances and retireving the discharge papers is not possible, especially when they have the information from the doctor's who are treating me and they want information from a doctor who saw me once! This is outrageous and bad business practice. I have even sent them the narcotics that I had to sign for, what more can I possible give them that they don't already have? Your assistance is very much appreciated, thank you.Desired Settlement: I would like my full refund and an apology! I am not trying to get anything for free. I am just trying to get what was mine in the first place. I should not have beg for what is rightfully mine!

Business

Response:

Dear [redacted]

Thank you for forwarding this to my attention.

In reviewing the consumer's claim, I note that payment for the full amount has already been issued by the Claim Department. She should receive that check in the next 3-5 business days.

I trust our tender of payment has concluded this matter satisfactorily.

Sincerely,

Review: I purchased airline tickets through [redacted] and when I did this I also purchased the travel insurance through Allianz. Me and partner are no longer together so I am trying to get a refund on the airline tickets. Allianz has denied my claim and even told me they do no know "why I would purchase travel insurance". I have contacted them verbally and written a letter with no positive outcome. This is 680.50 in airline tickets and I feel as though they are not holding their end of the contract up. One thing is when I purchased the insurance they never sent me a copy of the policy until I started complaining and wanted a refund of the airline tickets. I also contacted the airlines and filed a complaint on them with no resolution. They will only refund half of the premiums I paid for the tickets and advised that the insurance company should be paying for this claim. I am a single mom now and I can not afford to through this much money and I feel as though I am being taken advantage of. Please help.Desired Settlement: I want a full refund of the airline tickets that I purchased.

Business

Response:

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 in the booking path prior to purchase and also emailed to the insured at the email address that was provided online along with a 10 day satisfaction guarantee period.

Specifically included in those terms were the following:

This is a named perils travel insurance policy, which means it covers only the specific situations,

events and losses included in this document, and only under the conditions we describe.

Upon review of the claim, the consumer’s loss did not fall under one of the named perils as listed in their insuring agreement.

Due to this, we are unable to provide coverage for the consumer’s loss.

Thank you,

Review: I purchased flight cancellation insurance form Allianz. My flight was delayed over 24 hours due to an ice storm. The airline placed me on a flight 28 hours later. I did not have a choice to get on an earlier flight. This is clearly a qualifying circumstance under the terms and conditions of their contract. Yet I was told that since the airline did fly the route within the 24 hours it was not qualifying. I did not have a choice, I was told when I would be allowed to fly, therefore my delay is over 24 hours, if I could have gotten on an earlier flight I would have. This company is fraudulant.Desired Settlement: Pay the cost of my airfare as indicated in the insurance policy.

Business

Response:

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 24 hour stoppage of service on the consumers scheduled route by the airline.

According to flight records, the airline did not stop offering services for 24 consecutive hours as there was a flight that departed on the consumers scheduled route. The insuring agreement is very specific in its terms. Unfortunately, not being able to board that flight due to availability of seats was not listed as a named peril.

Sincerely,

Claims Escalation Analyst, USA

Allianz Global Assistance

Review: I purchased insurance for the [redacted] back in August 2013. Coverage was necessary since my mom was terminally ill and I was unsure if my daughter and I would be able to attend. She has since passed away and we are planning a burial service on the weekend of the [redacted] event. When I contacted Allianz, I was first told of a disclaimer that was sent to my e-mail explaining the terms of the coverage and that based on this e-mail I had 14 days to cancel. I advised them that I did not receive an e-mail and the Allianz personal told me that I should check my spam folder. If Allianz is aware that many people do not receive these e-mail's then why don't they do something about it. This is fraud! They should have the disclaimer in the purchase window or have the customer re-directed to review the policy either before purchase or immediately after.

I was denied a refund since my mom's death had to be within 30 days of the event. Very bad business practices! Very shady! Will never do business with this company again and I hope to spread the news... we don't need companies like this scamming consumers!Desired Settlement: I would like a FULL refund to my credit card. My claim # is [redacted]

Business

Response:

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 in the booking path prior to purchase and also emailed to [redacted]. We show no error in that submission.

The consumers insuring agreement included a named perils certificate. The following coverage was included under the event cancelation benefit:

The death of a Family Member or a Companion on or within thirty (30) days prior to the event

date

According to the claim documents on file, the loss occurred prior to 30 days of the event. Due to this, I regret that we are unable to overturn the denial of the claim.

My review does show that the proper decision was made in this matter.

Sincerely,

Consumer

Response:

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.

[Provide details of why you are not satisfied with this resolution.]

Regards,

I am disappointed with the response I received from Allianz Global. Regretfully, I do not wish to pursue this matter any further, as it is a waste of my time. I truly believe it is the intent of this company to deceive the Consumer and Revdex.com should consider removing the A+ rating due to all of the unresolved complaints filed against this company.

Review: I purchased Insurance for a concert from [redacted]. I was unable to attend due to an unexpected illness. The concert was on a Sunday evening at 8 PM. I was ill with the stomach flu that evening and unable to attend the concert due to discomfort. I would have had to drive one and one half hours each way to reach the venue. I was not ill enough to seek medical attention at an emergency room but thought it best to stay home considering my discomfort.

When I contacted the insurance company, I received a rote response that I required vitrification from a doctor. I took the form required to my doctor and was told that they could not attest to my illness after the fact. I agree. They did not see me when I was sick to my stomach. This is a catch 22 situation, that I can not substantiate, "officially". The insurance policy dies not state that the health coverage is only for catastrophic instances. Please advise.Desired Settlement: I would like a refund for the ticket purchase price and the insurance cost.

Allianz Policy Number: [redacted]

Claim Number: [redacted] Order # [redacted]

Business

Response:

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.

Specifically included in the consumers agreement was the following:

Any serious Injury or any unforeseen serious Illness occurring to You or Your Companion

which results in You being unable to attend the event for which the Single-Day Ticket is

purchased. You or Your Companion must be examined by a Physician within 72 hours of the

cancellation and the Physician must advise You or Your Companion not to attend the event.

According to the documentation on file, the consumer did not see a Physician who advised her not to attend the event.

Due to this, I regret that we are unable to overturn the denial.

Sincerely,

Claims Escalation Analyst

Allianz Global Assistance

Consumer

Response:

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.

1. [redacted] I was unable to attend, was held in Hershey, PA on SUNDAY, March 09, 2014 at 8:00 PM. I live in [redacted] PA 74 miles away.

2. I became ill on SUNDAY, March 09, 2014 at approximately, 4:00 PM. My illness was gastrointestinal. I was sick to my stomach and had diarrhea for several

hours. When I sufficiently recovered form the symptoms, I decided that it was best to remain in bed for the rest of the evening.

3. I did not see a doctor’s attention for my illness for tow OBVIOUS reasons: firstly, it was Sunday and the office was closed; secondly, my illness was not severe

enough to intrude on the important work done in the emergency room of my local hospital.

4. In live in a very rural area. There are no walk-in medical clinics or alternatives available… at all.

5. It is wholly MY DECISION not a doctors as to whether or not I attend a concert if I am not feeling well. If you think in my condition on Sunday evening that I should have driven 74 miles (148 miles round-trip) form my home in [redacted], PA to Hershey, PA.; you are sadly mistaken.

6. I called your Customer Service Representative on Monday, March 10, 2014 and inquired as to how I should proceed with my claim. He suggested that I visit a walk-in

clinic; we have none. He did not “SAY I NEEDED TO HAVE AN EXAMINATION”. He said. I should have the form filled out. I took him at his word and you see where that has gotten me! I did go to my local physicians office on Monday, March 10, 2014. My doctor was not in on that day. I left the form a requested that it be filled out,

explaining the circumstances. They declined saying that a physician did not examine me. I am beyond frustrated with the runaround on partial information I am receiving form all parties concerned

7. Your criteria are outrageous. Shame on you and your industry.

8. Your policy should make clear that your illness should occur during your doctor’s office hours, when he is in his office and accepting appointments.

9. You should honor my claim! 9. You should honor my claim!

Regards,

Review: My husband purchased tickets to go see a broadway play for us as my christmas present. He also purchased insurance for the tickets. We were unable to go due to an emergency situation causing me to have to work that day. Its quotes on Allianz website " Based on covered reasons: Notarized statement signed by an officer of your employer verifying the requirement to work." I provided them a notarized letter from my employer and they sent a letter stating that this in not a covered reason. I called customer service and they were also no help and could not give me a reason why it would say it on there website but not accept it.Desired Settlement: We would like the price of the tickets refunded... as this was the reason we purchased the insurance coverage for them.

Business

Response:

Dear [redacted]:

Thank you for bringing this matter to my attention.

Please have the consumer provide the claim number so that we may address their concerns.

Thank you,

Claims Escalation Analyst

Allianz Global Assistance

Consumer

Response:

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.

The consumer called and gave us the claim number. It is [redacted].

Regards,

Business

Response:

Dear [redacted]:

Thank you for bringing this matter to my attention. We apologize for any frustration the claims process may have caused the consumer.

Our insurance, like any other insurance, had terms, conditions and exclusions that impact coverage. These terms were readily available in the booking path prior to purchase and also emailed to the consumer.

As an insurance company, we provide personalized third party insurance to many companies, as well as provide our own insurance products for consumers who travel.

The consumer purchased an Event Ticket protector policy, for an event that was sold thru [redacted]. This product does not offer coverage for any loss due to business obligations. This information was available on the [redacted] website and also listed as a general program exclusion in the insuring agreement that was emailed to the consumer.

The consumer may have been on our general website when she observed information pertaining to business obligations, as some of our personalized travel insurance products may offer coverage for this reason; however, this coverage does not apply to any of the Event Ticket protector policies.

At this time, I regret that we are not able to provide the insured with a more favorable response as according to her insuring agreement; her loss was excluded from coverage.

Thank you,

Claims Escalation Analyst

Allianz Global Assistance

Consumer

Response:

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.

[Provide details of why you are not satisfied with this resolution.]

Those stipulations should be noted on your example forms on your general website if the do not apply to everyone. They are extremely misleading and are considered to be false advertisement.

Regards,

Review: On January 23, 2014, I received a phone call from the Assistant District Attorney, [redacted] to tell me a Subpoena had been mailed for me to appear as a witness in [redacted] for a court date scheduled for February 10, 2014. On that date the 23rd I purchased a round trip plane ticket for 2/8/2014 to 2/15/2014 on [redacted] and 'Trip Insurance' through Allianz Global Assistance on the AA website. On February 3 I received another telephone call from [redacted] stating the defendant had reached a plea agreement and my subpoena was void. I did not need to appear. I contacted [redacted] to cancel my ticket and Allianz to notify them I would need to file a claim. Allianz sent the PDF of their 'Policy Manual' along with forms to fill out online and return to them. I was then contacted by [redacted] instructing me that I needed to travel to Decatur for the defendant's restitution hearing on April 9th. I purchased another ticket from [redacted] and traveled there from the dates 4/4/2014 to 4/19/2014. I have returned from that trip to find a letter in the mail from Allianz stating they 'cannot provide benefits' because, "As your insuring agreement indicated, this is a named perils travel insurance program, which means it covers only the specific situations, events and losses included in this document, and only under the conditions we describe. Unfortunately, a schedule change or no longer needing to appear in court is not included among those reasons". I called Allianz today and spoke with '[redacted]' and together we read the policy over the phone. This is what their policy states: "LEGAL Jury Duty or Court-Ordered Appearance You're summoned by a court order or subpoena to serve on a jury or appear in court." That is All. Nothing more. I purchased the ticket BECAUSE I received a subpoena. Now they don't want to honor their policy.Desired Settlement: I want Allianz to honor their policy and refund the cost of my ticket which cost $408.00.

Business

Response:

Dear [redacted]:

Thank you for forwarding this matter to my attention. We apologize for any frustration the claims process may have caused the consumer.

Our insurance programs are like any other type of insurance in that there are terms, conditions, and exclusions that impact coverage.

In particular, the coverage provided reimbursement if you’re summoned by a court order or subpoena to serve on a jury or appear in court.

The cause of cancelation was that there was no need for the consumer to travel as the case had been settled. The consumers insuring agreement did not list having a court date canceled as a named peril.

Coverage is designed to provide reimbursement for trip expenses that were paid for and later had to be canceled because the consumer received a subpoena to appear in court which would interfere with the scheduled trip.

At this time, my review indicates that the proper decision was made and I regret that we are unable to provide the insured was a more favorable response.

Sincerely,

Claims Escalation Analyst

Consumer

Response:

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.

This is the policy Allianz emailed to me when I purchased the insurance. On Page 6 under 'Legal' there is one sentence regarding receiving a subpoena for jury duty. It does not specify ANYWHERE that this applies ONLY if one has 'already purchased a ticket and cannot travel because they received a subpoena'. That was the response given me by Allianz for refusing to honor their policy.

Apparently Allianz has TWO different policy manuals; one for the consumer and one for their corporate lawyers. The only rules they follow are the ones not specified in the Policy they provide to their customers.

I want Allianz to show me WHERE in their Policy the lengthy language is located that IS the rhetoric sent in their last email message.

Regards,

Review: I purchased travel insurance from Allianz through [redacted] for my families travel to Jamaica the last week in December, 2013. One of our bags was taken by another traveler at the airport in Jamaica, therefore, we needed to purchase cooler clothes for our son since we were dressed for winter weather, having flown from Des Moines, IA. We purchased swim trunks and a shirt (receipts I submitted with our original claim for $88.55 on 1/6/2014). Our luggage was then found destroyed when we arrived back home. I also filed a claim for the damaged luggage $500.00 as stated on my policy for baggage coverage. I am going on 4 mos. without getting payment from my claim filed 1/2014. I have responded to the ongoing requests for verification, which have become impossible to satisfy. I have send verification from [redacted] detailing my luggage loss/damage. I am expecting $788.55 - $500 for baggage coverage, $200.00 baggage delay & $88.55 for replaced clothing.Desired Settlement: $788.55 - $500.00 baggage coverage, $200.00 baggage delay coverage (as stated on the front page of my policy) and $88.55 for replaced clothing.

Business

Response:

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. Specifically included in those terms were the following:

Lost, damaged or stolen baggage

Your baggage is lost, damaged or stolen while you’re traveling.

Specific requirements (all must apply)

· You take reasonable steps to keep your baggage safe and intact,

and to recover it.

· You file a report giving a description of the property and its value

with the appropriate local authorities, common carrier, hotel or tour

operator within 24 hours of the loss.

Baggage Delay

A common carrier, hotel or tour operator delays your baggage for 24

hours or more.

Specific requirement

· You report the loss and file a claim with the common carrier, hotel

or tour operator.

As we are secondary to the common carrier for Lost or Stolen baggage, we are still in need of the claim determination from them for the damaged luggage. We are unable to issue reimbursement for the baggage delay claim without this document.

In relation to the delayed luggage and the expense of $[redacted], we have gone ahead and issued reimbursement for this expense as the airline did indicate that the luggage was switched. The consumer is only eligible for $[redacted] of this baggage delay expense and not an additional $[redacted], as this benefit does not pay out due to inconvenience; you have to actually incur the expenses.

At this time, the claim is for the damage is still pending as we are not able to finalize it without the airline finalizing their claim first.

Thank you,

Claims Escalation Analyst

Consumer

Response:

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 emailed my luggage damage response from [redacted] dated January 18, 2014]

Regards,

Business

Response:

Dear [redacted]:

We are in receipt of a copy of the reimbursement from the airline that was received by the consumer.

According to the claim documentation, the consumer claimed the full amount of baggage coverage for the suitcase that was damaged. As indicated in the previous communication, the benefit does not just pay out the maximum amount of the benefit. We would need to know the approximate cost of the luggage itself along with the make and model type.

Thank you,

Claims Escalation Analyst

Allianz Global Assistance

Review: I purchased travel insurance with Allianz Global Assistance after a family member used them last year and had a good experience. I was injured on one of my trips this year and processed a trip interruption/medical claim. The website says that they process all claims in 10 business days. I submitted all my information and waited 10 business days from the date of the last piece of information submitted. I heard nothing, so I went online to check my status. There has been a permanent error message on my claim status page that won't allow me to view the documents I've submitted or get any information on the claim. So I called them. They said it was still being processed and viewed by managers and it should be resolved in another week or two. At this point I wasn't that upset because the claim was a large one and figured I wouldn't get compensation immediately, even though I have to pay interest on my credit card for the charges incurred. I waited another 3 weeks. Still nothing. Today I called them again and they said that I should just call back in another week. They said they couldn't even give me an estimate on when it might be dealt with, and the woman on the phone wouldn't even let me speak with the manager handling my claim. They won't tell me if they need any more information or why the claim is being held up needlessly. My Terms and Conditions clearly state that ALL claims are processed in 10 business days. My claim has been submitted in full now for 6 weeks and they just told me to call again in another week and won't let me speak with anyone about it.Desired Settlement: I'd like them to update my claim status and give me a reason as to why it is being held up so I can at least explain or fix whatever error or hold up may be causing the slow claim time. I also expect them to change their advertising and T&C policies to outline clearly that they DO NOT process claims in 10 business days. They take a minimum of 2 weeks to respond to any inquiries, yes, but their advertising is FALSE in that they do not *process* the claims in that amount of time as promised. I also expect to be able to speak to whomever is handling my claim directly, instead of getting the run around.

Business

Response:

Dear [redacted]

Thank you for forwarding this matter to my attention. We apologize for any frustration the consumer may have endured.

Our Claim Department processes all claims within 10 business days as long as all documentation requested has been received.

Upon review of the consumers claim, a HIPPA release form has been sent to the consumer so that the medical documents surrounding the loss may be reviewed.

The consumer may contact the Claim Department to get an up to status of the claim.

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID[redacted], and have they did not propose any action to resolve my complaint and have lied again.

The response says "Our Claim Department processes all claims within 10 business days as long as all documentation requested has been received." This is a deliberately inaccurate information. What they do is provide an incomplete list of required documents from the start, and wait months to tell you they need anything more.

[redacted] is a screenshot of my claim online which shows all my documents that I've submitted along with the dates. This is every piece of information they list on their claims site. Word for word, I put down everything they listed as required. I also submitted a notarized statement of no other insurance to them via postal mail to cover all my bases. No where on their site do they say they may need or want a HIPPA. After I submitted all my documentation in late June (you can see the date stamp on the image), I called (and have audio recordings which I am more than willing to send, although I can't attach them to this form) and asked if they needed any more documentation. On 4 separate occasions over the course of 2 months, I was told they had all the documentation they needed from me. Two months later I finally ask to speak to a manager and she tells me all I need to do is send in a HIPPA, but that after I send in the HIPPA it will be at least another six weeks before they can review the claim any further. The manager is recorded saying it would another six weeks. So the businesses response to the Revdex.com that it would be dealt with in 10 business days is an outright lie.

After hanging up with the manager I receive the email with the HIPPA form [redacted] and a note to return it (this email is[redacted]). When I open the attachment there is a letter with a statement saying that I need to submit a signed claim form (which they have not sent me and therefore would be impossible to return to them, this was also not mentioned on the phone as a requested item), and that I need to send in medical documents (which I already sent in the form of a physicians statement, itemized hospital bill, credit card charges, and hospital receipts, and was also not mentioned on the phone as being needed, I have the manager recorded saying the only thing they needed was a HIPPA).

This business has outright lied, they do not process all claims in 10 business days. They waited two months to tell me I needed to submit additional documentation after telling me repeatedly that they needed nothing else from me, and then told me it would be another six weeks after I submitted it to process it any further. I have proof of these statements ([redacted]) and made all phone calls on my computer and saved the telephone conversations which I will gladly submit to you, and to the insurance fraud protections agencies.

Regards,

Review: When booking flight to Dallas in June 2014 for July 26th I purchased flight insurancebecause my mom was 96 years old and one never knows at that age. Not ill, just old.I sent in all that was required, letter fron the doctor flight information.They are now telling me that my claim can not be paid because my mom had a pre-existingproblem because she was put into hospice for end stage Cardiac Diaease. Not a diagnosis she had earlier. My Mom was on no meds. My Mom Passed away on Aug 17,2014Desired Settlement: PAY MY CLAIM. I should not have to jump through more of their hoops. They did not easily have information up front regarding what they would not pay when they took my money.Old is always pre-existing

Business

Response:

Dear [redacted]:

Thank you for forwarding this matter to my attention. We apologize for any frustration the claims process may have caused the consumer.

Our insurance programs are like any other type of insurance in that there are terms, conditions, and exclusions that impact coverage.

Currently the consumers claim is pending, it has not been denied. In order to effectively adjudicate a claim, we require a completed Physician Statement form for all medical claims to ensure that the condition is covered under the policy. Without this document, we are unable to process the claim.

Sincerely,

Claims Escalation Analyst

www.allianzassistance.com

Consumer

Response:

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.

[Provide details of why you are not satisfied with this resolution.]

Regards,

I bought a round trip ticket to Australia last September, 2013. I was diagnosed with cancer in mid January 2014. I had a tumor threatening a colon blockage for which I was promptly scheduled for surgery to remove it in early February in hopes of recovering enough to be able to still make my 8 March trip to Australia. I had complications from the surgery for which I was hospitalized a second time within a week of my scheduled departure. I was under the caref of my surgeon, seeing him every week to two weeks, tending an open incision from the original surgery for nearly 6 weeks. My surgeon provided the

physicians form stating he did not recommend I take the

trip. This should have been enough, yet Allianz insists they

need a second form from the referring doctor. I hadn't

seen my gastroenterologist since January when he

discovered the tumor by performing a colonoscopy. Yet

they insist he must also provide a physicians form "in

case my claim violates the pre existing condition waiver".

My surgeon clearly stated I was diagnosed with colon

cancer in mid January of 2014. This company has had

my claim for 90 days. My $1800 plane ticket remains on

my credit card racking up interest charges.

I can't possibly have predicted this health condition. I did

everything in my power to try to go on the trip. I simply

wasn't healthy enough to do so. My gastroenterologist did

provide a letter for me to upload to my claim as I was

unable to access any forms a subsequent time. I tried

every link I had and could not get the form. Allianz insists

his statement must be on the physicians form. They have his contact information, yet made no effort to contact him for clarification they say they need.

My friend who did make the trip, got his camera stolen. It was caught on a surveillance camera and a police report was filled. They would not reimburse him because he did not have his original receipt for his camera. Do you keep every receipt for every purchase you make?

I spoke with a customer service rep and a claims evaluator for 25 minutes today. This ess my second call to Allianz asking them why my surgeon's recommendation wasn't good enough. I got the repeated response, "we must have the form".

I believe this company is doing everything in their power not to provide me coverage that I paid over $150 for. I filed my claim in late February and I remain unrefunded as of late May 2014. I will look very hard to find a different trip insurance provider in the future and I will vehemently recommend that no one use this trip insurance service!! I don't understand how the Revdex.com fits nit use this feedback add part of the company's rating.

I purchased Allianz travel insurance through [redacted]. I am a 68 year old woman who has been battling breast cancer for 8 years. It has been in remission for quite some while and luckily I have excellent doctors who check on me constantly. In October I made resrevations to fly to Chicago to visit my daughter and attend a wedding. I bought the insurance because you never know when u have cancer, when it could strike again. Two days before I was supposed to go, I found out that my cancer had spread to my bone marrow and I would have to start a chemo treatment and needed a blood transfusion. Of course I had to cancel my trip and thought how lucky I was to have insurance. Unfortunately, Allianz isn't in business to help people, but only to make money. They said it was a preexisting condition and I had office visits 4 months prior and would not cover it. Never mind the fact that cancer patients have many office visits just to make sure things are all right. Just because I have been treated for breast cancer for many years, means that they won't cover. Please do not buy this insurance. Read the reviews and see how they will go to any lengths to not honor your policy.

Review: I purchased tickets on [redacted] web site for an event with order #[redacted] and the Incident #(where Allianz Global Assistance had a checked box on the processing form; saying I would buy insurance for the three (3) tickets I had purchased) [redacted]. This is illegal on the behalf of [redacted] to allow another vendor to illegally piggyback charges on an order for tickets. The charge was $21.00 that went to Allianz Global Assistance and I would like my money back. Had Allianz Global been reputable; they could have had a box there but not checked: knowing they were NOT part of the transaction!!Please help me get my $21.00 back; and put restrictions on Allianz Global to STOP this illegal practice.THANK YOUDesired Settlement: I WANT ALLIANZ GLOBAL ASSISTANCE TO REFUND MY $21.00 back to me! I neither requested their insurance nor do I need it. I am 66 years old and quite capable of keeping my tickets SAFE.

Business

Response:

Dear [redacted],

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

Review: On July, 2015, I reserved lodging for 11-18 July with [redacted] and added protection insurance in the case of an emergency for approximately $45. I called them on or about July 11, 2015, to inform them I would not check in on 11 July due to a mandatory meeting at work I missed my flight and connection. I called 866-468-9473 who told me to call 800-771-1281; who told me to call 866-468-9473. My situation was stressful enough without the added run around.Desired Settlement: Please refund the $45 due to not offering me any protection or service. Thank you

Business

Response:

Dear Ms. [redacted]:Thank you for forwarding this matter to my attention. We apologize for any frustration the cancelation process may have caused the consumer.I have requested to have the policy canceled. Please advise the consumer that it may take up to one billing cycle to see the credit from the financial institution. Sincerely,Kalinda H[redacted]Claims Escalation Analyst

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I would appreciate the business considering reimbursing the $110 lodging rate plus $24.65 tax amount; in addition to original insurance fee. I will wait for the business to perform the agreed upon action and hope they will consider reimbursement of all items; if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].

Regards,

Review: I purchased travel insurance from this company when I bought my ticket to a conference. At the time, a family member had passed, but no funeral arrangements had been made at the time I bought the ticket. During the course of my travel, the family decides to cremate and have the funeral, which I am to officiate (I am an ordained deacon). I had to leave my conference a day early and paid for the change in ticket cost as well as the change of date.

I filed a claim with Allianz Global Insurance and provided them with every piece of information that they requested. They denied the claim basing it on the fact that the family member's death happened before I bought insurance. The reason for the complaint is that I bought insurance to cover change of plans which could not have been known prior to buying the ticket.Desired Settlement: I would like the exact amount that I filed the claim for and no more run-around asking me to provide arbitrary documentation (which I have done time and again)

Business

Response:

Dear [redacted]:

Thank you for forwarding this matter to my attention.

Our insurance, like any other insurance had terms, conditions and exclusions that impact coverage.

Unfortunately, cancelation due to any event that is already known at the time of purchase was excluded from coverage.

My review does show that the proper decision was made on the claim.

Regards,

Review: I purchased travel insurance from Allianz for an upcoming trip. We had to cancel because my husband, who is an attorney, was subpoenaed by the court to appear at a trial. Prior to canceling, I spoke to several representatives who told at Allianz Travel Insurance who told me that I would be covered. After I cancelled, I was denied because it was "job related" and therefore not covered.Desired Settlement: I am only seeking reimbursement of $600 for the Air Tran waiver fee, not the total trip. If I had received the correct information, three of us would have taken the trip and my only loss would be the waiver fee for my husband's ticket.

Business

Response:

Dear [redacted]:

Thank you for forwarding this matter to my attention.

Our records indicate that the consumers claim was honored and reimbursement has been sent.

Sincerely,

Review: I bought a trip policy, for my daughter from Daytona, Fl, to Baltimore, Md. Unknown to me at the time I bought this policy, my Daughters illness got worse. we had just flown down to Fl less then 90 days before, with the same airline and travel insurance. the tickets were bought on Nov,03,2013. the trip was for 12/23/2013, over that time period my daughter became worse with the one condition and now has others. they say since a person was treated 120 days before for any illness they are not covered. if that's the case half the people that would fly, and try to use this would be denied. Which may be the case for this company? If a person gets sicker, the illness changes, and I'm not so sure that a Dr. would say that a condition could not get worse, and change to good or bad as time goes forward without anyone knowing its going to happen. If you buy trip insurance, you should be able to use it.Desired Settlement: the only reason I ask for a refund, is I know you can not force this company to close. Its not bad enough that you have to struggle with illnesses, but then you have company's that take advantage of it.

Business

Response:

Dear [redacted],

Please have the consumer provide either the policy number or claim number so that we may review.

Thank you,

Claims Escalation Analyst

Allianz Assistance

Consumer

Response:

They say they want more information, they can not find their own claim number. here it is for them.

Claim Number: [redacted]

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.

[Provide details of why you are not satisfied with this resolution.]

Regards,

Business

Response:

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 in the booking path prior to purchase.

The certificate of insurance listed several conditions that were excluded from coverage, among those were existing medical conditions. As the consumer was treated for the conditions that caused her loss during the 120 day exclusionary period we were unable to provide coverage for the loss.

My review shows that the proper decision was made.

Sincerely,

Claims Escalation Analyst, USA

Consumer

Response:

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.

[Provide details of why you are not satisfied with this resolution.]

Regards,

Hello, I have read the 26 page document 3 times now and can not find anything that says you can not be sick for 120 days before with the same illness??? the closest thing in their 26 page document that said 120 was in feet and that was for scuba diving. you should visit their web site it makes it look so easy to get insurance, says if you get the flu 2 days before your covered, then in the fine print it says look at the policy, TRY DOING IT!!!. (plus keep in mind this pops up when your trying to buy airplane tickets) it will take you all day to find it, its a flim flam, bate and switch. I did print my policy out when I bought it, if it says you can't be see for 120 days for the same thing, you would need a magnifying glass to find it .I will be happy to fax it to the Revdex.com, as you won't be able to find it on their site. this was also death related according to the Doctors report. these people are out of control. it seems to me that they will use any excuse not to pay the claim.

Let me know if you want the 26 page insurance document faxed to the Revdex.com.

Thanks,

Review: We purchased travel insurance from Allianz while booking airline tickets for my parents to see us on January 8, 2014. My mother had a routine checkup on January 8 and was diagnosed with cancer five days after we booked the trip and purchased the insurance. Due to need to operate and perform medical treatments, we canceled the trip and the event we were planning.

We provided Allianz with the paperwork detailing my mother's appointments and diagnosis, but because her routine checkup date was the same date that we booked tickets, they are denoting this circumstance to be a 'preexisting issue' that is not worthy of travel refund. However, test results and prognosis were delivered on January 13, five days after the tickets were booked. We have called them a number of times and spoken with various representatives who all indicate that my mother's condition was pre-existing and unworthy of refund.Desired Settlement: We would like for Allianz to refund us the airline ticket prices purchased, along with the amount spent to purchase their insurance policy.

Business

Response:

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 in the booking path prior to purchase and also emailed to the email address provided at the time of purchase.

The consumers insuring agreement included a named perils certificate. Specifically excluded from coverage was any loss arising directly or indirectly from an existing medical condition. These were defined as:

An illness or injury that you, a traveling companion or family

member were seeking or receiving treatment for or had symptoms of on

the day you purchased your plan, or at any time in the 120 days before

you purchased it.

You, a traveling companion or family member are considered to have

an existing medical condition if you, a traveling companion or

family member:

· saw or were advised to see a doctor;

· had symptoms that would cause a prudent person to see a doctor;or

· were taking prescribed medication for the condition or the

symptoms, unless the condition or symptoms are effectively

controlled by the prescription, and the prescription hasn’t changed.

According to the documentation on file, the consumer’s Physician has indicated that symptoms for the condition that caused the loss began on 12/12/2013. The consumer’s insuring agreement was purchased on 01/08/2014, which means that the condition that caused the loss began during the 120 day exclusionary period and was thus excluded from coverage.

My review does show that the proper decision was made in this matter.

Sincerely,

Claims Escalation Analyst

Consumer

Response:

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 did not receive any offer from Allianz. They rejected my complaint because is inaccurate documentation compiled by them.

Review: While preparing for deployment, I purchased a policy from this company in case my flight itinarary changed to avoid unnecessary charges for changing or cancelling my planned flight scheduled between a training event and deployment to Afghanistan. To ensure my specific scenario would be covered, I called the company and spoke to a customer service representative who confirmed that the policy would cover my situation. I notified the rep that I would not be at my home, but instead at a deployment platform in Mississippi and to send all policy information to my email. Instead, the company sent policy information to my home some two weeks later. The policy information contradicted the information provided by the customer service rep's information provided over the phone. The customer service rep indicated that all I needed to do was to provide a letter from my commanding officer explaining the need to change itinarary and my costs would be covered by this policy, however, upon submitting the necessary documentation, I was denied coverage. I insisted upon a second review and provided additional information and was subsequently denied again. I feel this was an act of bait and switch.Desired Settlement: I would like for fees incurred for changing flights to be covered. I am not looking for my airline ticket to be refunded, although due to extended delays in the initial itinarary, I could make a strong case for at least a partial refund from [redacted], I only wish to recover the costs incurred from changing flights, which was $426.

Business

Response:

Dear [redacted]:

Thank you for bringing this matter to my attention.

Our records indicate the consumer’s policy was mailed to him on 11/26/13. It was then emailed directly to the consumer on 12/10/2013 when he called in to our Customer Service Department to fix his travel dates. This was 12 days prior to the insured trip departure date.

Our insuring agreement included a named peril certificate in which we only provided coverage for the reasons that are listed, exactly how we list them.

The consumer has indicated that he was told that his reason would be covered. We have confirmed that he was provided that information by his travel supplier and not by Allianz Customer Service.

Unfortunately, the consumers delay did not meet requirements as listed in the insuring agreement.

At this time I regret that we are unable to overturn the denial of the claim.

Sincerely,

Claims Escalation Analyst

Allianz Global Assistance

Consumer

Response:

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.

The response from Allianz Global Insurance claim is erroneous. I did not claim the information that circumstances related to claim was provided by [redacted], but instead a representative from Allianz Global Insurance company. As is common with most insurance companies, their first line of defense is to deny the claim and ask for additional information. Having worked a number of years within the [redacted], this strategy keeps profit margins high and claims paid out low. Most complaints either give up due to the many man-hours being dedicated to fight such denials. I would never have purchased the policy unless it was applicable to my situation and confirmed by a representative from their company, not the airline service provider. I would not allow an airline service provider to confirm the policy guidelines of a third-party insurance provider due to my previous experience with insurance companies while serving as a manager for a durable medical equipment provider submitting claims to such an organization. I am an American Servicemember fighting for our country overseas and deserve better treatment than what I have received.

Regards,

Review: Company lost my policy and refuses to refund my money. The reason is that they cannot find the policy. Proof of purchase was sent to the company.

I've bought travel insurance through [redacted], had to cancel trip, received an email from [redacted] saying that insurance has to be canceled separately and it can be done through web-site. I went on web-site, it says that policy is invalid, called the agency, customer service agent told me that they cannot locate a record and I need to send a proof of purchase. I sent in a proof or purchase, did not get any response or refund. contacted company again, they cannot locate record and therefore cannot refund money. The agent refused to escalate call to supervisor, saying that there is no one available. The agent's ID [redacted], his name is [redacted].Desired Settlement: I expect them to refund the full amount ASAP

Business

Response:

Dear [redacted]:

Thank you for bringing this matter to my attention. We apologize for any frustration the consumer may have experienced while his case was being researched.

Our records indicate that the consumer’s policy was canceled on April 14, 2014.

The consumer has been advised of the timeframe for the refund.

Thank you,

Claims Escalation Analyst

Allianz Global Assistance