Allianz Global Assistance

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: 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: 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 11, 2014 I purchased an airline ticket for my wife to travel to Germany. I also purchased travel insurance through Allianz Global Assistance because the ticket cost 2,010.60 dollars (Policy/Claim #: [redacted]). On July 16, 2014 I received a message from my mother that my dad had gone into surgery for lung cancer and was having severe post surgery complications. This is the first time I had heard of anything going on with my father. I ended up canceling the trip so I could travel down to [redacted] and visit my father in the ICU. I contacted Allianz and downloaded the claim form from the website. When the Dr filled out the claim form she put down May for the first visit, apparently my father had an appointment in May to test for lung cancer. Again, I had no knowledge of what was going on, I did not know he was getting tested for lung cancer. I was later told my father told my mother not to tell us what was going on so we wouldn't worry and travel down to [redacted].

Allianz denied my claim because of a pre-existing condition with my father. Their policy states that if any traveler or family has a condition within a certain amount of days purchasing the ticket they will no honor the policy. The issue is I never knew about any condition at the time. I should not be penalized because I was not informed of the situation and therefore had no knowledge of it. If I had known that my father was going into surgery I would NOT have bought a 2,000 dollar place ticket. I do not believe it is fair to deny a claim based on the fact information was not disseminated to me.

I believe Allianz is intentionally doing this because the cost of the ticket. I have already appealed their decision and my appeal was denied.Desired Settlement: I want a refund for the airline ticket, 2,010.60 dollars.

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

· 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.

The medical documentation on file indicated that the cause of loss was due to an excluded condition. As the insuring agreement excluded coverage for these conditions, I regret that we are unable to provide the consumer with a more favorable response.

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.]

The insurance company is neglecting the fact that I had no idea of my fathers condition or visits, I have attached a text message my mother sent me that proves I was not aware of any condition on his part. How can the insurance company deny my claim when I was not informed of the situation? If I would have known that my father had lung cancer I would not have bought a 2,000 dollar airline ticket, simple as that.

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 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,

Wow! Sure wished I would've read these posts prior to buying insurance. I am an independent educational contracted trainer. My job was terminated due to the school district needing less trainers. I was TERMINATED from that job, but not the company that hires me for the jobs. This poor excuse for a insurance company denied my claim saying that I wasn't terminated from the company I work for, but just lost the job. I'm filing another claim because my 79 yo father is having surgery that wasn't identified prior to me purchasing this insurance. I will probably watch it get denied too because his cancer was a pre-existing condition, yet a PET scan that was done and read one week prior to the trip showed that his lymph node needs to be removed.

How does Revdex.com give this company an A+ when it has so many negative posts?

WARNING to anyone who's buying travel insurance. Don't buy one from this Company Allianz Travel Insurance USA

This Company is a THIEF! If I am working on this company I will be ASHAMED of my self. This people probably don't realize that they are living in a hard-earned money of someone. This company and whoever works is is DISGUSTING!

Why?

I purchase this travel insurance so I will have a peace of mind if "JUST IN CASE" something came up and I can't go to my vacation. Sure enough something came up. I call this insurance right away to notify them that I got a new job, unfortunately I can't go on my planned vacation because those dates are not available for me to have. I spoke to the supervisor [redacted] last May 29, 2014. He basically said that my reason is not covered by this insurance. That if it is work related, I have to be TERMINATED and I have to prove that it is not my FAULT.

OK fine! So I called the airlines. The rep. told me that if this is the case then my best bet is to just re-book/re-sched my flight with $200 penalty. Great! that is better than losing $1700. I was also told to call my travel insurance to see if they can reinburse me with $200 penalty instead of getting a refund that they wont give anyway.

So, I called up [redacted] again by ALLIANZ today June 1,2014. I am so clear before we start that whatever we discuss regarding this matter, I will write a review in all my social media account either if it is good or bad. I made a recording of our conversation. I will find a way to download it as an attachment. (maybe)

What we end up?

I told [redacted] the supervisor that since It is impossible for me to get a refund, and I don't want to go back -and- forth, I just want him to tell me if the company can cover the lousy $200. It's not about the money anymore, It is THE PRINCIPLES behind all this [redacted] is what I am after. I can care less about that $200.

[redacted] said that he can't answer me YES or NO, but MAYBE…. [redacted]? and I still need to file a claim to MAYBE get this $200…

I am certainly bring this issue to consumers affair in California or Virginia. Whatever the outcome is, at least I stand by my principles. I want my voice to be heard.

Mind you that I was so clear that I will make a review to all my social media account.

I am so disgusted by this company. I don't want this company to victimized any person anymore. This has to stop!!! Please have a little Shame ALLIANZ TRAVEL INSURANCE!

Review: I purchased 2 tickets with [redacted] on 1-13-13 for travel from Ft. Myers Fl. to NYC, NY. I purchased a policy with Alliance at that time. The trip was for consultation with my husbands doctors on his surgery in NYC which was performed 08-24-13. [redacted] had been ill off and on since the surgery The surgeon was anxious for him to come to [redacted] where his surgery was performed for consultation. [redacted] saw his doctor in Fl. again on Jan.24th and she advised him not to go to NY at this time. His health was not good. I called and cancelled the flight and informed Alliance about the cancellation. They sent me forms which I filled out and had his doctor in Naples, Fl. fill out. Alliance has not honored this contract. I have been in contact with them several times and tried to explain the problem. They keep telling me the forms are not filled out correctly. The doctor sent in a new form and I sent them a letter explaining the whole problem. Now they are denying the claim. I spoke to [redacted] a claims analyst today and she said this claim is being denied because it was cancelled because of an exclusion in the contract about [redacted] seeking medical attention. When I purchased this policy there was no discussion about his health and why and where we were going. I have tried to be patient but this company has put my husband who is 85 yrs old thru a difficult time. Collecting on a policy should go smoothy. We recently were able to go to NYC for consultation on [redacted] and would never have thought of taking out insurance with this company ever again. The reason I took out insurance in the first place was because of his health and this aggravation has been so difficult I am not sure any more about my health.

I hope and pray that the Revdex.com can help me with this issue. Companies like this should not be able to take advantage of people.Desired Settlement: Honor the contract in full.

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 had terms, conditions and exclusions that impact coverage. These terms were emailed to the consumer along with a 10 day satisfaction guarantee period. Specifically included in the terms was the definition of a trip as it is insured with the policy:

“Your insuring agreement defines a Trip as Round-trip or one-way travel to and from a place at least 100 miles from your home. It can’t include travel to receive health care or medical treatment of any kind, or commuting to and from work.”

Unfortunately, as the reason for the travel was to receive medical care, we were unable to provide coverage for the consumer’s loss.

I regret that we are unable to provide the consumer with a more favorable response at this time.

Sincerely,

Claims Escalation Analyst

www.allianzassistance.com

I purchased a travel policy and was forced to cancel my trip to care for my Father after emergent surgery. I filed a claim but was denied because my Father was exhibiting "symptoms" prior to the purchase of the policy. When reviewing the "fine print", Alliance Global Assistance defines an "existing condition" as "symptoms regardless of any condition". That is, no condition needs to exist....only symptoms....any symptoms! Wow. I was totally taken back! Just another case of common terms like “existing condition” being twisted to promote the profitability of the company.

Review: Obtained travel insurance that covered medical expenses & trip delay. Filed claim. Was PARTLY paid. Have discussed with company several times (twice they promised to get back to my wife, once they promised to provide an accounting, most recently 12/21/15, no responses received) that it APPEARS that part of the claim (for $65 euros) was overlooked. Also filed (12/31/15) appeal of denial of coverage for $41.50 in additional expenses incurred related to emergency hospitalization and making telephone calls to Allianz and to rebook travel arrangements. Have not had response to former (letter dated 12/29/15 indicates "Please allow ten days to review") nor acknowledgement of receipt to latter, nor action on either.Desired Settlement: Please review and reimburse overlooked claim for 65Euros; please consider appeal of denied $41.50.

Business

Response:

Dear Ms. [redacted]: Thank you for forwarding this matter to my attention. We apologize for any frustration the claims process may have caused the consumer. From the history of the claim, a letter was mailed to the insured on January 8th in response to the inquiry made in December. The response time for review can take up to 10 business days excluding holidays. Our records indicate that the consumer was made aware of an additional payment approved on the claim as of February 9, 2016. Sincerely, Kalinda H[redacted] Claims Escalation Analyst 9950 Mayland Drive Richmond, Virginia 23233 www.allianzassistance.com Tell us why here...

Review: Allianz travel insurance was offered when I purchased two first class plane tickets to [redacted] on [redacted], May 11 of this year. I purchased the policy for 143.16. On Friday November 6, one day before my scheduled flight, I became extremely ill with gastroenteritis and did not feel that I would be able to fly on Saturday, November 7. I called my doctor on the 6th and he suggested that I stay home to avoid contaminating an entire plane full of people. I cancelled my flight Friday evening, the 6th and immediately filed a claim with Allianz. On Friday evening while filing my claim, I discovered that I needed to physically see my doctor within 72 hours on cancellation. My doctor did not maintain weekend hours so I called first thing Monday morning the schedule an appointment. My doctor could not get me in that day which left me over the 72 hour mark. I contacted Allianz claims services as soon as I spoke with my doctor to ask if it was okay that my doctor could not see me in 72 hours, if not I offered to go to primary care that day within the 72 hour time frame. Allianz did not get back to me until 2 days later to let me know that I should still see my doctor. I saw my doctor and submitted the requested forms to Allianz. It has been nearly a month since my first contact with Allianz and my claim is still not resolved. I e-mailed them last week to ask why it was taking such a long time and they finally got back to me yesterday to say that they still needed more medical records from my doctor. I already submitted the requested form and gastroenteritis is not a pre-existing condition so there should be no need for additional information. Allianz also never provided me written notice that they needed this so my claim has been sitting open all this time without resolution. At this point I am extremely frustrated with the poor service, long wait, and extremely unnecessary requests. I would like a refund of my initial premium paid and to simply be done with this terrible company.Desired Settlement: Refund of 143.16 paid for the policy on May 11, 2015

Business

Response:

Dear Ms. [redacted]:Thank you for forwarding this matter to my attention. We

apologize for any frustration the claims process may have caused the consumer.The insuring agreement required that an exam be performed within

72 hours of the cancelation and for the doctor to advise cancelation of the

trip. The current information on file does not indicate there was

a phone consultation as the consumer has stated in her complaint. We would need

a letter confirming this and then we can finalize our review. Sincerely,Kalinda

H[redacted]Claims

Escalation Analyst9950 Mayland Drive Richmond, Virginia 23233www.allianzassistance.comTell us why here...

Consumer

Response:

I have reviewed the offer and/or response 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.Allianz did not provide notice to me that they would require additional medical records until I reached out to them after my claim had been active for nearly a month. Per my original communication with Allianz during the claims filing process directly on their web-site, I let them know that I spoke with my doctor on Friday, November 6, however they insisted that they never received that communicate from me. Again, this has been incredibly poor service and a painstakingly long claims process with ridiculously slow response times from Allianz. I believe that ultimately Allianz should pay my original claim, but due to poor timing between when I was able to see my physician and the extremely long response time about my question regarding their physician policy (much longer than the timeframe promised in their auto response e-mail), I will accept a refund of my original premium paid in order to resolve this claim. To me, this is more than a reasonable resolution. I don't understand why there is so much push back from the company, who is clearly in the wrong.

Regards,

Review: Allianz Insurance denied reimburse of airline tickets for an "unexpected" life changing event. On November 6 2012, while purchasing airline tickets, I also purchased Allianz Insurance on those airlines tickets. Our trip was scheduled for Feb. 8-15 2013. I have never purchased insurance before, but this time I did as my mother in-law was diagnosed with cancer in late September 2012. We did not know the prognosis nor what to expect so we thought it would be best to purchase the insurance in case we needed to cancel our trip for some unexpected reason. Two weeks prior to our trip, my mother in-law was admitted to the hospital for several days. She came home but only to find herself back in the hospital a few days later. On Feb 6 2013 (two days prior to our trip), her doctor informed us that the cancer had taken a turn for the worse and she did not have much longer to live. He gave us a prognosis of two weeks. He informed us to contact [redacted]. It was at that point we decided that we could not go forward with our trip. I filed a re-imbursement claim to Allianz Insurance (on Feb 6 2013) which included a form from my mother in-laws doctor explaining the turn of cancer and prognosis.On Feb 8 (the day of our trip), we brought my mother in-law home from the hospital, to our home in home care hospice to live out her remaining weeks. We were appointed her primary care givers.I received a response back from Allianz denying my reimbursement claim. They indicated that the situation was pre-existing therefore I would not be reimbursed. Please tell me how you I could have predicted this.Given Allianzs reasoning, I looked through documentation from Allianz of reasons for trip cancellation, and pre-existing is not mentioned anywhere nor do I think it is plausible.If I do not get reimbursement for my reasonable claim, I will contact my lawyer.Desired Settlement: I would like to be reimbursed in full or I will contact my lawyer.

Business

Response:

Dear Ms. [redacted]:

Thank you for forwarding this matter to my attention.

Our products provide trip cancellation benefits to insureds when they or family members become ill and/or are unable to travel as planned. However, there are certain situations where we are not able to cover the claims filed by our customers.

On page 5 of the insuring agreement we directed the consumer to review the exclusions in her insuring agreement. In particular, Ms. [redacted]’s program excluded coverage for any claim directly or indirectly related to any condition which her mother-in-law would have had symptoms of, or treatment for, in the 120 days prior to and including the date the insurance was purchased.

In this case, and as Ms. [redacted] indicates in her complaint, her mother-in-law’s condition was diagnosed some sixty days prior to the insurance purchase. As it was this condition which led to the change in her travel plans, the condition was considered to be an existing medical condition which we were unable to cover.

My review does show that the decision made on her claim was proper. I regret we will be unable to reverse our decision in this particular situation.

Please feel free to contact me should you have any additional questions.

Sincerely,

Manager, Regulatory Claims, 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.

People are diagnosed with cancer all the time and live for years with it. A matter of fact, the doctor said my mother in-law could live up to 5 years. The whole purpose of buying the insurance was to protect us in getting our money back in case something terribly went wrong and we needed to stay and take care of her.

Review: To Whom It May Concern, ( email directed to Allianz Global Assistance)

I'm very dissapointed in the protection policy you presented to cover unexpected changes in the travel planning of my mother to come visit.

As all the little legal loopholds that your resorted to in order to deny a legitimate claim we filed because of medical reasons.Were not fully explained in the detail necessary when you sold us the initial policy. We basically threw away our money for nothing. As you had no intention to pay out. As a customer I feel discrimanted againt and abused by your small print legal mumbo jumbo, and I believe there are lots of customers that feel the same and don't say or express their voice like I'm doing now. At this point I consider that the Business affairs should look up closely how you people operate business taking advantage of customers and filling your pocket with easy money that for us as a person like myself takes lots of work effort to make it.

Its funny all these little technicalities that you are hidding behind now to deny this claim were never explained or mentioned up front when you explained the policy that you were trying to sell us. I consider that very unprofessional, dishonest and questionable business practices. I intend to see if the Revdex.com shares the same opinion of you as I intend to report this incident to them.

My experience with you was the worst customer service representation that I have ever incountered with a business of your supposed reputation. I don't think that your company possesses the honor or integrity to truly represent the services that you offered, beginning with the very rude customer representative that I spoke with when I called and I was advised about the denial of the claim.

Overall this was a very unplasant experience, wasting my time,my money and my doctor's time completing your dumb forms that you have no intentions of approving anyway.

Nice little money grabbing scheme you have going on here.Desired Settlement: There were not up front open and honest about the exclusion policies when they represented it in the sales pitch when we told them the exact reason why we wanted to purchase it, being that our visiting mother may have to extend her stay because of upcoming medical procedure, they asure us that this was a good policy under the circumstances. So we did purchase it, and afterwords they denied the claim because they said that It was a pre-existing medical condition. That was an out rite lie, and total misrepresentation. We want the expenses we paid both for the policy and the cost to change her tickeets reimbursed, because of this misrepresentation.

Business

Response:

Dear [redacted]:

Thank you for bringing this matter to my attention. I 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 for review prior to the purchase in the booking path and also emailed to the consumer shortly thereafter. We show no error in that submission. The policy also came with a 10 day satisfaction guarantee period in which the consumer could have canceled after review of the terms if she felt as though the policy did not meet her needs.

Unfortunately, the cause of loss was one that was excluded from coverage.

My review shows that the proper decision was made and I regret that we are unable to provide the consumer with a more favorable response.

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.

Hi sorry I missed the previous email, however nothing has been resolved with the company, they didn't even bother to contact me. At this point I still have no resolution to the dispute.

Thank you

Review: I purchased 4 airline tickets from [redacted] , Riyadh to Newark, I also purchased Allianz INS so that if anything happened then I will get a full refund. I went to airport and was denied boarding because apparently [redacted], requires getting a visa to England, I argued with the crew that I have no plans to leave airport in London, they said they can't let me travel and its better if I cancelled my tickets so that I am not charged. I filed a claim with Allianz, they requested documents as proof of purchase, I submitted all requested documents but received absolutely no response. I went online to check the status of my claim I saw that it was denied without any explanation. When I tried talking to them they said that Orbitz, the travel agent should pay me back because they should have informed me that I needed visa, and when I call [redacted] they tell me that Allianz is the insurance and they are responsible for the refund. in the attached statement from Allianz website they advertise that they would reimburse prepaid , non refundable tickets for covered trip interruptions and cancellations . I feel misinformed and mislead into buying this insurance and when something actually occurred they simply denied all. Please find [redacted] documents of my trip . [redacted]Desired Settlement: I need your help to hold Allianz accountable for refunding my four tickets as promised when I made the purchase of the travel policy. Thank you

Business

Response:

Dear Ms. [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 insured. According to the claim documentation, the cause of loss was not listed as a named peril in the insuring agreement. Coverage was not provided for not being able to obtain travel documents.At this time, my review indicates that the proper decision was made and I regret that we are unable to provide the insured with a more favorable response. Sincerely,[redacted]

Review: I purchased travel insurance from Allianz through [redacted] when I booked travel for my wife and I in October. According to the confirmation from [redacted] the insurance was purchased for both us at $20.13 each. I didn't receive an email from Allianz confirming the purchases so I checked my credit card account. I noticed that Allianz only charged me $20.13 and I still had not received an email. When I contacted them they claimed they had no record of my purchase and there was nothing they could do. I said they had put through a charge and told them the reference number but they continued to claim there was nothing they could do. I do not understand how they could have no record of my purchase and yet put through a charge to my credit card.Desired Settlement: I want a refund for the $20.13 they charged me.

Business

Response:

[redacted]

Thank you for forwarding this matter to my attention. I have notified the customer service department of this issue and a representative will be contacting the consumer directly to troubleshoot the issue. Thank you,[redacted]

Consumer

Response:

[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.]

The business ultimately provided an insurance policy on both my wife and I. Therefore I consider this complaint resolved.

Regards,

Review: I am an ordained member of my Church, I live in the rectory in NY. I was traveling from FL to NY. I purchased travel insurance because my dad passed in FL and we buried him in NY. I thought I would have to change the date in case of any change in the funeral arrangements. Then when I arrived in NY the head Priestess that I am caretaker of passed away. I am closer to her than family. She is the one who I took care of in the Church for 15 years. They could do nothing with the body unless I signed or gave consent. She is closer than family. I had to change my plane ticket because of my responsibility with the Church and the Priestess. They could not touch the body unless I was there, I had to make all the arrangements. All the other Ministers helped but I was the one who told them everything because I know her life and everything about her. She is more than just family, I took care of her every need and every responsibility that is needed. I did have a bad cold at the time but I did not go to the doctor to document it.

I purchased the insurance in case I had to change the plane ticket. This was one of the things that they said they would do, give the money back if you change your plane ticket. This company would not give my money back. They had every excuse in the book not to give my money back. I am an ordained member of the Church, I do not make much money at all. They should have respected all the proof I gave them of the both deaths and gave me my money back and they did not. I am very, very upset with this company that they took my money so fast and misrepresented what they would do for me.Desired Settlement: For them to give me my money back as their policy said. They owe me $245.78.

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 and offer our condolences on the passing of his loved ones. 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 for the death of a family member. Family member was defined in the insuring agreement and unfortunately what the consumer has described was not included in that definition. At this time, my review indicates that the proper decision was made and I regret that we are unable to provide the insured with a more favorable response. Sincerely, [redacted]

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 have been waiting for my money back from this company that was not honest and then I receive a letter from Revdex.com that the complaint is complete. How could this complaint be complete if I did not get justice from this company that took my money and claimed that I would get my money back if I change my flight. Well I only didn’t just changed my flight I had 2 major deaths one after the other and this horrible company gave me hell while I was at my lowest of sadness. They told me when I purchased this insurance that all I had to do is change my flight and I will get my money back and I had a most major things happen to my family and this insurance company made me go over the events so many times and just when I thought I was going to get my money they just did not answer and they still will not answer with a reason why they will not give my money back. Then Revdex.com I feel took this companies side and not mine. This is not right at all at my lowest time. There is no compassion in this world anymore. I see it’s all about fooling people into giving money and then no matter what happens to them at my lowest point in my life I get screwed. I am very sad with the outcome of this complaint, on top of my very sad deaths I had. I do wish you come to your senses and do the right thing and return my money.

Review: RE: [redacted] 2/10/2014 till 8/12/2014 [redacted] Allianz Travel Insurance [redacted] underwritten by [redacted] To Whom It May Concern:

I purchased the above referenced insurance in Good Faith thru [redacted] website. I had a medical emergency and had to go to the hospital. I did in fact return to Alabama early due to ongoing unsolved health issues.

Upon returning I contacted Allianz and was told because I did not purchase a “round trip ticket” the policy was null at midnight of the 10th of February not the 11th when I actually arrived. They also stated that the medical, trip interruption, etc... Was not in effect. I purchased the outbound and return flight prior to purchasing Allianz for such an emergency.

I had in fact purchased my [redacted] return ticket prior to buying the said policy because I had to have firm travel dates. I also called to verify how the policy worked if I had an emergency and was sold that everything was as I thought.

I am requesting United, Allianz and Jefferson to explain how misleading information can be given to the public and where on the 50+/- page policy is it explained to the layman.

Regards, [redacted]Desired Settlement: Reimburse me as promised. Do not tell people they are getting something they are not.

Business

Response:

Dear [redacted]

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

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

According to the documentation on file, the consumer insured a one way flight; therefore, coverage was only applicable during the consumer’s departure flight as coverage was not purchased for the entirety of the trip.

At this time I regret that we are unable to provide the consumer with a more favorable response.

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.

I had the return ticket. This is how I was able to give a return date. Their information is miss leading and I even called to verify the medical aspect of the policy. Their website only asked for travel dates.

Regards,

8/5/2014

Purchased through [redacted] travel agency for Alaska cruise. Youngest got sick with rotovirus night before departure flight so he stayed home with grandma. Immediately provided all required documentation including doctors note upon return. Three months later, still waiting on Allianz to pay "pending claim" requiring additional documentation needed. They are now telling me that they need proof from my travel agent that no refund was received and travel agent is not being responsive. How do I provr that I did NOT receive something and how is this a claim requirement?

This is truly a scam!! They did not honor my claim because the airline flew out the next day without their (Allianz's) own client. [redacted] cancelled my flight and offered me a flight 3 days later, but none sooner. Allianz said my policy states that if the airline flies out within 24 hours of canceling my flight (with or without me) my claim will not be honored. Do not use this service. Fortunately, the airline did refund me for the flight.