Allianz Global Assistance

Review: I received permission from my grandson's father ([redacted]) to take him ([redacted]) on a [redacted] which I was paying for everything except his passport. Two weeks prior to the cruise I found out that he had no intentions of securing a passport for [redacted]. Allianz was notified by my travel agent, [redacted] from [redacted]) and I received soon after that a denial of the claim because they said it was listed on the contract. This was unforseen, I was blindsided not to mention the disappointment my 9 yr old grandson experienced because of his selfish father. I have been in contact with Allianz May 28 & June 3 by email and they keep putting me off, first telling me in 10-12 business days they'll get back to me after they review it. Then I contacted them again after the 12 days now they are saying in 10 days they'll send me their decision. I keep getting the run around no one calls or emails me I have initiated every correspondence. With a abundance of single and divorced parents this could and may happen to someone else. I feel I should be refunded $328.00 that was paid for the cruise that he never went.Desired Settlement: I paid $328.00 for [redacted] to go on the cruise and I feel I should be refunded that was the purpose of taking out the insurance never knowing I would be requesting at all.

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.

While we understand the event was unforeseen, unfortunately, a child not being allowed to travel because of a parent refusing to obtain the child’s passport was not included among those reasons.

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

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,

They never offered anything not even half. I paid for the insurance in good faith not realizing that I would have to use it. Even the airline ([redacted]) gave me a credit for the amount I had paid for the air for [redacted].

Review: Allianz is used by [redacted] travel. [redacted] approved my refund, but Allianz has held on to it for months and failed to communicate to me exactly what they need in a timely fashion. The nature of our medical problem is complicated, but Allianz refused to work with us. They still have my money.Desired Settlement: I would like my money credited to my account.

Business

Response:

Dear [redacted]:

Our records indicate that the consumer has been reimbursed for the nonrefundable trip expenses. We apologize for the delay. Whenever documentation is received, it is reviewed within 7 to 10 business days.

Sincerely,

Claims Escalation Analyst

www.allianzassistance.com

Review: On April 1, 2014 I had to cancel a trip overseas due to the fact that my father-in-law, [redacted] xxxx required my care. He is a 90 year old WWII Pearl Harbor Vet. I am his [redacted]. I purchased a trip cancellation policy from Allianz Global for a 2599.00 ticket. The trip cancellation policy stated that trip cancellation due to the need to care for a family member would be covered. I submitted the claim to Allianz but was denied. I then was told to file an appeal with necessary doctor documentation which I did. I have just learned that this appeal was also denied. I appealed the initial decision based on the following from their own coverage policy: the plan specifically stated that a family member not travelling with you requires your care and in a phone conversation with the Allianz office, I was asked to verify the claim with a doctor's note and that it might be successful. This morning, I phoned Allianz to find out the status of my appeal and was told it was denied! They are claiming that "preexisting medical conditions" were not covered! What 90 year old man DOESN'T have some kind of pre-existing medical condition? I asked the person "under what circumstances would you cover caring for a 90 year old?" The person could not answer this question. I asked to speak with a manager or complaint department and she said there was no such office. This insurance company is completely unethical and is engaging in very misleading advertising and their insurance policy is very deceptive. They had no intention of paying out anything from the get go. We would like our money back: 2599 was the cost of the ticket and we paid 168 for the insurance plan. We have also submitted a formal complaint to [redacted] which partnered with Allianz for travel insurance coverage. They are investigating this company at this time. Please help look into this company's terrible business practice. They should be shut down! We have read many negative reviews about this firm.Desired Settlement: We would like a total refund of the money we paid for the insurance policy: $168 plus the value of the airline ticket of $2599.00.

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. These terms were readily available in the booking path prior to purchase and also emailed to the consumer. The policy also included a 10 day satisfaction guarantee period which enables consumers to look over the policy and decide if it will meet their needs. If not, a request can be made for the full refund of the premium.

The consumers insuring agreement excluded coverage for any loss resulting 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.

According to the medical documentation on file, the condition that caused the consumer’s loss was excluded from coverage as the condition was symptomatic and being treated during the 120 day exclusionary period.

At this time, my review indicates that we are unable to provide coverage for the consumer's loss and I regret that we are unable to provide the consumer with a more favorable response.

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.

Pre-existing conditions is not the issue, the live -in health care provider moved out suddenly leaving me no choice but to cancel my trip as I am the other healthcare provider. We chose this insurance because it stated that if cancellation was to care for a family member needing my care, refer to page 6 section 2 under what certificate includes, it would be covered. This company has very deceptive adds and by reading the complaints online I feel there is no condition that they would cover. This company is stealing from the consumer in a way that makes [redacted] look like a Saint. At least [redacted] did not pretend not to be a crook! I would like this company to tell me a single case that WOULD be covered for a 90 year old.!

Regards,

Review: Bought the travel insurance back in December of 2012. On my way back from Mexico , I discover that someone went in into my luggage and stole a few things. At the moment I called the [redacted] and Allianz to submit a claim. [redacted] took all my information. Also I submit claim to Allianz. Then they (Allianz) star asking me, some kind of a letter that Air Mexico is not providing. Alllianz and I tried to contact [redacted] . They not responding to the emails. When you trying call to customer service of [redacted]. The answer, that they can only answer by email.

One and a half years and claim didnt move no where. Allianz keep saying they need that letter. That theres no way to provide. I feel that im getting run around. Allianz is asking for peace of paper that can not be provide it, in no way. The reason they do that, so they wont pay.Desired Settlement: I would like to get my money back for stolen items.

Business

Response:

[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. These terms were emailed to the consumer.

As we were secondary to the common carrier the insuring agreement required the following:

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

A determination letter from the airline is required in order for us to proceed with reimbursement as it is used to determine the amount of liability. Unfortunately, without this document we are unable to proceed with the finalization of the consumers claim.

Sincerely,

[redacted]

[redacted]

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: We purchased plane tickets to [redacted] and insurance on the tickets through Allianz. I became pregnant with our second child in May of 2014, and I was seeing my OB-GYN (Dr. [redacted]) starting in July for regular monthly pregnancy visits. When I saw him for my October visit, 10-16-14 I was experiencing "2+ edema in the pretibial region." He advised me at that time not to traveling as the swelling would put me at a higher risk for blood clots. So we did not take the trip to [redacted].My husband sent paperwork to Allianz to get a refund for our trip. Allianz said they needed to determine if my edema was a pre-exisiting condition, so needed paperwork from the Doctor's office. Dr. [redacted] filled out the Physician's Statement Form and sent it in. On 11-6-14, Allianz requested additional clarification. Dr. [redacted]'s office also comp**ted this form, but since I am pregnant and having been seeing Dr. [redacted] since July the questions were very confusing...yes I was seeing the Doctor for Pregnancy in July, but no I did not have swelling of my hands and feet prior to the purchase of the ticket. According to Allianz, the forms were filled out incorrectly and they denied my claim. [redacted] and [redacted] from Dr. [redacted]'s office have both called on this and filled out additional forms trying to clarify yes, I was pregnant in July but the swelling did not occur until my 10-16-14 visit but we were never ab** to get our money returned and they kept putting us through the appeals process.I personally cal**d on 1-8-15. I talked with [redacted] at Allianz and she said they were waiting on medical records from the Dr's office, I had in hand the Dr's fax dated 12-18-14, but I resent forms and followed up on 1-15-15. I again spoke with [redacted] and she said they had received additional paperwork and it was in the appeals process. I spoke with [redacted] and then his superior [redacted] today to learn our appealed claim has been denied even though paperwork was resent with medical records from 10-16-14.Desired Settlement: I now have to send in all medical records from March 25, 2014 through July 22, 2014. I was not pregnant in March and never saw Dr. [redacted] until 7-21-2014. I am going to have the office send in additional paperwork today. This has been a cumbersome and ridiculous jump through the hoops process, with horrible customer service and trick questions to confuse consumers and doctors.I want a full refund of our plane tickets and an additional $500 for lost time on phone calls and emails to alliaz

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 you.The initial denial of your claim was due to information received by your physician. As you know, the policy you purchased does not cover "existing medical conditions". The exclusionary period for such conditions was March 25, 2014 through July 22, 2014. Your physician specifically advised you were experiencing symptoms during that period which resulted in the denial of your claim. On December 18, 2014 your physician sent us a new form with new information. That form was in different handwriting than the first form. Due to the discrepancy we asked for medical records to clear up any confusion. We received those records today, January 28, 2015. I have forwarded your claim to the Claims Department and have recommended they issue payment on your behalf. An update to the status of your claim should be available online within 48 hours or you may contact the Claims Department directly at [redacted].Sincerely,[redacted]Quality AnalystClaims Quality Assurance9950 Mayland DriveRichmond, VA 23233www.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.

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!

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?

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: 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 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

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,

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: 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: 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: 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...

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.

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?