Allianz Global Assistance

Do not buy this worthless insurance. It's a scam with all kinds of loopholes as to why we don't qualify for reimbursement for trip insurance. The airlines cancelled out connecting flight into BTV we had to take a bus from Newark to BTV arriving 12 hours behind schedule. The airline told us the cancellation was due to weather. According to the insurance company the airline had flights leaving that airport to other parts of the country so we don't qualify. I explained to the claims adjuster that the weather was in the part of the country that we were traveling and that there were no more available flights for several days, therefore, the bus solution. We paid $235.02 for this insurance. There were 6 of us traveling so we were out the airfare, one nights lodging, and one days auto rental.

Review: I purchased a flight for my son to come visit me (a minor) through United Airlines and also purchased insurance - through Allianz Global Assistance in case an event happened where he could not make the flight. The flight was for August 2, 2014 and my son was not able to make the flight due to a personal issue involving drug overdose and admission into a long term care facility. Since my son was not going to be able to make the flight I contacted Allianz Global Assistance for information on how to begin the refund process. I was given proper documentation to fill out and returned in a timely manner; however, my claim was rejected because my policy did not cover drug overdose? This is the most unethical thing I have ever heard of and I thought that paying "extra" for the insurance would protect the consumer in case of a personal situation like this would happen? Either way, I'm out $582.00 USD and I cannot even use the ticket for another flight because it was in my son's name.Desired Settlement: I would like to have my e-ticket purchase refunded in full as that was the purpose of paying for the additional insurance to begin with. The total ticket price was $582.00 USD.

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 We show no error in that submission.

Upon review of all of the named perils that are listed in the consumers insuring agreement, unfortunately, the cause of loss was listed as a general program exclusion thus we were unable to honor the consumers claim.

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.

The terms and restrictions of the insurance were sent via e-mail "after" I purchased my ticket through United. This is a very shady outfit and you can [redacted] Allianz Global and find hundreds of complaints against them. This is not right!

Regards,

Review: Dear Sirs,

I had to travel with my wife and 2 daughters to [redacted], I bought 4 tickets from [redacted] from [redacted], and got a ticket from ** to [redacted] from [redacted] with [redacted] miles. After that the US government warned all American citizens not to fly to [redacted] and even the [redacted] extended a ban to flight there. As a consequence we called [redacted] and they kindly gave us an open credit to use in for a future flight for the segment**-[redacted]. The segment[redacted] was bought from the [redacted] website, and when I was going to pay they offered an Insurance policy through the Allianz company

, which I paid. I filed a complaint in their website on July 23rd, they assigned the number [redacted], but I never got back from them, no email nor phone call. So I tried to go to the link they have in the email I got to check for complaints, which was: [redacted], but as you can double check you'll get an error: The page cannot be found. I called several times, they simply hang up in the middle of my conversation. Today I called again and before giving my claim number the lady told me there was missing documentation, how can she know before I gave her my claim number?. When I insisted and gave her my claim number she started to give excuses like the problem was with a third party [redacted], but the reality is that they sold it to me together at the same time in the same webpage all as a bundle. They sold me it all together they have all the information, any way I gave them the tickets numbers: [redacted], [redacted], [redacted], [redacted] and all the details even the links to the prohibition to fly to the destination ([redacted] This is what I paid copied from the American Airline email:

Passenger Ticket # Fare-USD Taxes and Carrier-

Imposed Fees Ticket Total [redacted] An this is what I paid them for the Insurande (copied from their email):

Information about your plan

Name of your plan: Trip Protection

Policy identification number: [redacted] Type of order: Gateway

Number of people insured: 4

Who it insures: [redacted] Date of purchase: July 14, 2014

Plan effective date: July 15, 2014

Travel dates: July 24, 2014 - July 24, 2014

Total cost: $84.00Desired Settlement: I want them to respect what they advertise, and to cover my tickets: $ 824.00

They say that they cover you from trip cancellations because of terrorist acts [redacted] is there a bigger terrorist problem for somebody flying than bombs at the airports[redacted] raising a ban not to fly there? [redacted]or the US Government warning not to fly there [redacted]

Business

Response:

Dear [redacted]

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

Our records indicate that we have not received any supporting documentation to finalize the consumers claim.

The claim form indicates all avenues the consumer may take to send in the information. If the consumer is having issues uploading the documents, he may contact the Customer Service Department to assist him.

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.

Dear Sirs, thanks so much for your help. Actually what their offer is, seems to be the way they work. When I initially called them they told me that they were missing the documents, however the unbelievable thing is that they told me this before I gave them my policy number, so they seem to tell the same story to everyone.

On the other side their customer service people hung up on my calls, after repeating the same script. What kind of documentation do they need? They don't say it because it is not true. The only possible documentations needed are 3 and they have them. The policy number which they have, the tickets that they have (actually they sold me the policy through the [redacted] web, and the same policy has the ticket details), and the [redacted] announcement and US government warnings preventing flights to [redacted] because of the terrorist threats, which is publicly available, and anyways I also sent them the links.

In Summary this is all of the information that they have:

1) My Claim Number: [redacted]

2) Policy identification number: [redacted]

3) The tickets and Receipt information from [redacted]: (Original[redacted])

Passenger Ticket # Fare-USD Taxes Ticket Total

[redacted] [redacted] [redacted]

[redacted] [redacted] [redacted]

[redacted] [redacted] [redacted]

[redacted] [redacted] [redacted]

[redacted]

Thanks so much!, you really do a great job by helping families get a fair treatment by Companies.

Regards,

Business

Response:

Dear [redacted]:

Thank you for forwarding this matter to my attention and obtaining the documentation needed from the consumer.

We have finalized the consumers claim. Payment may be expected within 5 to 7 business days at the address on file.

The consumer may contact the Claim Department for an update.

Sincerely,

Review: Allianz will not refund my airfare or cost to purchase insurance which was not honored.

I purchased two tickets through [redacted] going to Nassau, Bahamas on Friday, June 13th. Apparently, I was booked leaving Thursday night instead of Friday night. It was my understanding that by purchasing flight insurance, I would be refunded for a missed flight. I called Allianz on June 14 and spoke to [redacted]. He said I could file a claim and also an Appeal for the total amount of the tickets of $1298.48. I called Allianz on June 27th and spoke to [redacted] who said that regardless of the death in my family or a missed flight I could not file a claim. I also spoke to [redacted] on 6/27/14, and she said this particular insurance only covers very specific things. She was unable to assist and support me either. I am looking for a credit for my flights and for a reimbursement for the cost of the insurance. I was improperly and I'll informed of the purpose of the purchase and what it's uses were.Desired Settlement: I am seeking a reimbursement for both flights through [redacted] and the coat of the insurance. The total cost is $1248.98 and the cost of the insurance is $73.50.

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 insuring agreement offered a 10 day satisfaction guarantee period which gave consumers time to look over the policy and decide if it’ll meet their needs. The consumer requested to have the policy canceled after the 10 days thus we were unable to honor her request.

According to our records, the consumer initially called to cancel her trip because the flight was booked incorrectly. Unfortunately, that reason is not a named peril as listed in the insuring agreement.

Our records indicate that the consumer has not filed a claim with us. If the consumer wishes to file a claim due to the death of a family member that occurred after the insurance purchase date we would be more than happy to assist her.

I have requested to have claim forms emailed to the consumer.

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.

I spoke to [redacted] on 6/15 to resolve the issue of this claim. He said I could file a complaint as needed, but my complaint would probably go to appeals, and I would not be reimbursed. Later that day I paid and additional $1004.00 to rebook my travel. When I returned, I spoke to [redacted] with Allianz who said that the family death and missed flight did not qualify for a claim, and a claim could not be submitted at that time. Allianz refused to allow me to file a claim.

Regards,

Review: I bought additional insurance for a rental car in Aruba [redacted] for July 6th-July 13th which I was going to rent with [redacted].I arrived at 1 pm , but my rental was for 11 am. I have an email that the rental company at the Airport sent to their main store , noting that " NS 11 AM ".When I got there they did not have a car for me.Later in the day , I sent an email to my daughter ( since Allianz only had the 800 #) asking her to call to explain the situation. she was told I needed to produce proof that I had not rented the car.Upon return to US , I call the phone number listed ut was told needed to send the information. I sent them 2 communications fro [redacted] communication from [redacted] in which it was noted that I , " Did not show and didn't rent a car" " NS 11 am".I also sent an email , a response to all of my contact was ( see below). Obviously they want to keep my money.Please look into this matter[redacted]Policy #: [redacted] Dear [redacted] , Thank you for contacting Allianz Global Assistance. We apologize for the confusion regarding your recent purchase. We did receive your fax however the documents does not confirm the car was not rented. In order to process your request, please provide the following documentation: -Copy of a letter or email from the [redacted] on company letterhead confirming the vehicle was not picked up. Please include your name and policy number in all correspondence. For your convenience, you may email, fax, or mail supporting documents as listed below. Allianz Global Assistance"Customer Service Department"[redacted]Desired Settlement: refund of money paid

Business

Response:

Dear [redacted]:

A refund of the consumer's premium was processed for her on July 18th. I trust this has concluded the matter satisfactorily.

Sincerely,

[redacted], Manager, Regulatory Claims, USA

Review: The company is a travel insurance company that clearly states in their policy that a lay off from a company of 3 years or more will qualify for travel insurance and expenses will be covered. However, the company failed to acknowledge this and they denied my claim as stating "Simply having to work does not meet criteria". However, I provided them proof that I am being laid off from [redacted] effective May 30th 2014 and provided them an offer letter from [redacted] that shows a rehire date. By being laid off all my planed vacation time is cancelled and voided and although being employed via [redacted], it is considered a layoff from [redacted] and being hired by [redacted] is changing my schedule and the company refuses to honor their policy.Desired Settlement: To either have my claim approved as it should have been per my policy or a refund of the charges for the insurance purchased.

Business

Response:

[redacted]:

Please have the consumer provide a policy or claim number so that we may appropriately address their concerns.

Thank you,

Claims Escalation Analyst

Allianz Global Assistance

Review: I purchased travel insurance before leaving for my trip. My trip was canceled/interrupted due to a state of emergency. I called Allianz once this happened and a representative confirmed that my plan covered this inconvenience. In addition the Allianz representative informed me of the amount I was covered for and the cap on that amount. I completed the claim and received a reply that I was not covered. I was not given the name of this travel insurance company in order research them beforehand as it was purchased and incorporated within an American Airlines flight transaction. I am seeing now that Yelp has 127x 1 star reviews and the Revdex.com has 44 complaints against this company. This company does not deliver and based on their reviews all the customers have been scammed as they are not receiving compensation back for purchasing travel insurance.Desired Settlement: I wish to be refunded the expenses I was told were covered by my policy.

I was told twice that my policy did cover my travel cancellation/interruption/delay - however the company wishes to categorize what a consumer understands they are purchasing travel insurance.

Consumer protection from insurance companies like this who deceive the public.

Business

Response:

Dear Ms. [redacted]: Thank you for forwarding this matter to my attention. I apologize for any frustration the claims process may have caused. Our records indicate that the claim was finalized and paid under the Travel Delay benefit on March 8th after we received verification of the airlines for the cancelation. Sincerely, Kalinda H[redacted]Claims Escalation Analyst 9950 Mayland Drive Richmond, Virginia 23233 www.allianzassistance.com

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.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].

Regards,

Review: I tried to book a hotel in the Atlanta region, Buford, GA, through [redacted] & purchased the trip cancellation through Allianz. However, I was not given a hotel in Buford, instead I was given a motel in Gainsville, GA, America's [redacted]. I quickly learned that this motel had complaints against it for having drug paraphernalia found under a guest bed. I then contacted the [redacted] Police Dept. and learned that this motel was in a very dangerous part of Atlanta & that people had died there from overdosing. They highly recommended that I do not stay there because it was so unsafe. I tried contact [redacted] & they refused to help, so then I turned to Allianz as this was my trip cancellation insurance. My 1st contact was on Aug. 24, 2015, upon speaking to customer service rep. , Andrew, & filing my complaint & voicing my concerns, he led me to believe that if I provided proof from the police then I would be given back my $250 dollars. I was lied to numerous times. They kept telling me they would get back to me within 24-48 hours to which they never did. I had to keep returning calls & complaining. It has taken me well over a month, & they continued to denied me a refund. I ended up not staying at the motel for the 4 nights that I had booked Sept. 3-7, 2015. I was terrified for my safety. I think it is criminal that this insurance company will not even consider the safety of the customers. It is also criminal that they continue to do business with people & places involved in drugs. I will NEVER use Allianz Global Assistance nor [redacted] again & I will advise everyone I know of the same thing.Desired Settlement: I would like to get my $250.00 back from Allianz Global Assistance, [redacted] Discount Travel, or America's [redacted]. I'm not sure who is responsible for my refund, but this is criminal that these businesses continue to do business with this motel. I will never use any of these businesses again. They do not take seriously the customer's concerns. Both Allianz & [redacted] claim customer service & satisfaction is of great interest, what a joke!! Bottom line they care more about the almighty dollar. When the local police department even suggests do not stay out of safety concerns then the business should be more aware of problems.

Business

Response:

Dear Ms. [redacted],

Thank you for bringing this matter to my attention. The phone call the consumer placed was reviewed by management and during that call the agent advised the consumer that the cause of her loss was not listed as a named peril in the insuring agreement. As with all insurances, we can not deny the consumer the right to file a claim. With all claims, verification of the reason for filing was needed.

The documents were reviewed by the Claim Department and unfortunately, we were unable to honor the claim for reimbursement. At this time we show that the proper decision was made.

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

Thank you,

Review: In January 2014, I purchased Allianz travel insurance to cover myself and my wife for a trip to Reykjavik , Iceland. We purchased the trip and the travel insurance through [redacted]. We learned that my wife was pregnant, and her physician advised us to cancel the trip because it was a high-risk pregancy. We fulfilled all documentation requested by Allianz, and were informed on April 15 that our claim was denied. To quote the Allianz representative I spoke with, ""We do not consider a high risk pregnancy a complication. It means a complication might occur. I'm not saying it was prudent to go on the trip, but it is not covered under the terms of your insurance." According to the terms of our insurance, a pregnancy is not an exclusion, "unless there are unforeseen complications or problems with the pregnancy." I am baffled to understand how this does not qualify as an unforeseen problem with the pregnancy.Desired Settlement: We want Allianz to honor the price of our flights, $928.50 per person, and the $25 penalty for cancelling. We would also like an apology for the absurd treatment we received from the Allianz representative I dealt with who issued the denial for our claim, or any person responsible for these sorts of decisions.

Business

Response:

Dear [redacted]:

Thank you for bringing this matter to my attention.

We apologize for any frustration the claims process may have caused the consumer. Our insurance, like any other insurance, had terms, conditions and exclusions that impact coverage. Specifically excluded from coverage was any loss resulting directly or indirectly from pregnancy, (unless specifically included in Section 2), unless there are unforeseen complications or problems with the pregnancy.

According to the Physician Statement form filled out by the doctor, the cause of loss was not due to an actual physical complication of the pregnancy itself, but rather the consumer’s medical history.

My review indicates that the proper decision was made on the claim. At this point, the consumer may file an appeal by contacting the Appeals Department at [redacted] for further review.

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.

First, their insurance document says "unless there are unforeseen complications or problems with the pregancy."

1. Where is "complication" defined so narrowly in this insurance document? In the very next line of their insurance, they define "physical complication," but they do not limit complications with a pregnancy to physical criteria. "Complication" is NOT listed under their defined term. They seem to define as best fits the convenience of the denial of any given claim.

2. What qualifies as a "complication" with a pregnancy, if not a doctor warning you that a trip might result in the death of your unborn child?

3. Even if we accept that "complication" is so narrowly defined, it is NOT the only criteria by which our situation is addressed within their insurance policy. It says, "OR PROBLEMS WITH THE PREGNANCY." Are they honestly arguing that a highrisk pregnancy is not an unforeseen problem?

Review: Deceptive advertising. I use [redacted] alot for travel and aware of their policies. However they use Allianz on their site. Allianz is an insurance that guarantees you can make changes and/or cancel if you purchase their insurance. I made reservations for Hotel in December 15, 2013 in advance (October). Unfortunately, I had to have foot surgery and wasn't able to travel. I notified Allianz immediately (two weeks prior to the trip) and [redacted] and provided all the necessary documents. I've gone round and round with Allianz. They continue to tell me they need more information with all kind of excuses. My hotel was less than $74.57. My time chasing them down and getting no where has been waisted. Today I recv'd yet another letter with the same excuse. It's a scam and everyone needs to know this.Desired Settlement: Just want my credit card credited for $74.57 (just like they advertised)

Business

Response:

Dear [redacted]:

Thank you for bringing this matter to my attention to my attention.

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

Thank you,

Allianz Global Assistance

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

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

Regards,

Yes, I'm very frustrated as to how I've been treated. Here's the claim number [redacted]. Appreciate your help.

Review: We purchased trip interruption insurance in May 2014 for our trip in July 2014. Unfortunately, our trip was cut short due to dad's medical illness requiring ICU hospitalization for 1 month. We returned early after incurring approximately $2000 in costs to change our flights. We contacted Allianz Global Assistance immediately when changing our flights, and were told everything was in accordance to our insurance and that everything should be covered. After returning home, we submitted the appropriate documents 3 times -- the first couple of times our paperwork was lost from our email to theirs. This took place during the entire month of August and beginning of September. Finally we had everything submitted. We were then told that they would need a letter from dad's physician documenting that he was in fact hospitalized and the reason for which he was hospitalized. That was received and we were told they had all the needed documentation. Our decision would be rendered within 10 business days. Those days came and went, and I called again to check the status of our claim. Again I was told they had all of the necessary documentation, and that we would receive a judgement shortly.

We finally received an email from Allianz Global Assistance on September 30, now stating they need a copy of all of dad's medical records from his month long hospitalization in order to make a judgement on our claim. They already have a letter from dad's physician that he was admitted for acute renal failure requiring ICU level of care, and we were told that was sufficient. Now its not enough. For over 2 months this company has continued to play games in order to not honor the travel insurance policy that we purchased on May 18. On top of that, there have been multiple phone conversations with them that have ended with their staff either being uncooperative or outright rude to my wife and I. We are asking that the Revdex.com address this issue with this company and help us receive the reimbursement that was guaranteed by purchasing this insurance policy.Desired Settlement: payment of reimbursement costs for travel interruption

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.]

I have reviewed the offer made by the business in reference to complaint ID[redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted]

Regards,

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 records indicate that the documentation that was received allowed us to finalize the consumers claim. The claim was finalized on October 20 and the consumer should have received reimbursement by now.

For any updates, the consumer may contact the Claim Department at [redacted]

Sincerely,

Review: Re:

Allianz Global Assistance

Claim Number: [redacted] Bill ID: [redacted] Last year I purchased travel insurance from Allianz Global Assistance for my family trip in November of 2013 from Newark, NJ to Puerto Plata, Dominican Republic. Unfortunately our language was delayed. My claim for delayed luggage was partially denied based solely on the name of the store. I provided Allianz Global Assistance a copy of my itemized bill for the $35 expenses for child’s shoes and a beach hat, which was denied solely based on the name of the store. Therefore, I am kindly asking for your help resolving this dispute.Desired Settlement: Send me a refund of $35.

Business

Response:

Dear [redacted]:

Thank you for bringing this matter to my attention.

Our insurance, like any other insurance had terms, conditions and exclusions that impact coverage. Specifically, the baggage delay benefit provided coverage for reasonable and essential items for you to use while your luggage is delayed.

Currently on file, we have a receipt that isn’t itemized from [redacted] for $35.00. We also have an itemized receipt for $35.00 from [redacted] for a hat and what appears to be 2 other items for a girl which has been reimbursement.

We do not have an itemized receipt on file from [redacted]. If the consumer has this, she may send this in for review.

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.

> Thank you for providing me the detail list of excluded

> purchases. Yes, indeed there is a HUGE

> misunderstanding on your part. Which items on my

> receipt, according to the terms of the Allianz policy, fall

> into the tobacco category? I am resubmitting an

> enlarged copy of my receipts for your review. Unless

> [redacted] or [redacted] translate in your

> language to any of the Exclusions in Section 3 of Allianz

> policy, you've made a point. Also, for your and other

> well versed, fluent in foreign languages employees

> information, the [redacted] is a BUSINESS TAX IDENTIFICATION NUMBER

> in Dominican Republic. As everyone, including you can

> see the same number appears on both copies.

> Now, speaking about publishing on the internet about my

> ordeal with your company. Indeed, if the complaint

> will not be resolved by Allianz in a timely manner, I will

> publish it on the internet. Also, I will seek a legal

> action against Allianz in the Small Claims Court in the

> State of New Jersey. An Allianz representative would

> have to appear in the court, otherwise there will be a

> default judgment against company. Please be advised,

> that in addition to the $** currently in dispute, the

> judgment against Allianz will also my cover costs and

> disbursements, including my attorney's fee. As you

> know, my total claim was for $[redacted], including transactions

> for $[redacted] on 11/23/13, $[redacted] on 11/24/12 and $** on

> 11/24/13. I received reimbursement of $[redacted].

> Please do not make false representation to The Bettter

> Business Bureau that the $** has been already

> reimbursed. Therefore, I am expecting to be promptly

> reimbursed for my travel losses by Allianz.

> [redacted].

Business

Response:

Dear [redacted],

I have reached out to the claims examiner for a more detailed print out of what was paid.

The conversion amounts indicate that this amount was not reimbursed. The examiner has gone ahead and processed the payment.

Thank you,

Claims Escalation Analyst

Consumer

Response:

Dear [redacted],

Review: My husband was diagnosed with Pancreatic cancer and scheduled for a whipple surgery which was suppose to CURE his condition. He had this surgery on 05/31/2014. When it appeared he was going to have a full recovery I bought airline tickets on 06/22/2014 for travel in Nov and I bought traveler's insurance at that time. On his follow up we were told he had to have Chemo and radiation and he was to begin treatment in Aug. The treatments left him very sick and with low white blood counts. After his first two rounds he was advised not to travel because he could get sick. I was still planning on going but his last round left him too sick and too weak for him to take care of himself. I submitted a claim and a physician's statement and now we are being denied the claim because cancer is a "preexisting" condition. The cancer was not making him sick the chemo was and I do not have a pre-existing condition. When I call to find out more information I am being told that I bought the wrong policy. I will be copying the[redacted] and all of the Cancer foundations on their unfair sales practices. I was told I had to read their 400 page document and then get back to them with the policy I needed. I do not recall seeing anything about the correct policy I should have bought on their website.Desired Settlement: I would like them to either honor the claim or refund the travel policy. This policy of the airlines and their associates (Orbitz, Allianz) goes against all people who have/or have had cancer in the past. It might also go against Americans with Disablitiies Act.

Business

Response:

Dear [redacted]Thank you for forwarding this matter to my attention. We apologize for any frustration the claims process may have caused you. 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 you. The policy also included a 10 day satisfaction guarantee period which enables you to look over the policy and decide if it will meet your needs. If not, a request can be made for a full refund of the premium within those 10 days. The insuring agreement excluded coverage for any loss resulting directly or indirectly from an existing medical condition. These are 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.According to the medical documentation on file, the condition that caused your loss is excluded from coverage as the condition was symptomatic during the 120day exclusionary period. Although chemotherapy began after the purchase of the policy, the illness causing the need for chemotherapy is considered "existing."At this time, my review indicates that we are unable to provide coverage for your loss. I regret that we are unable to provide you 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.

The language is buried deep in the policy which is 42 pages long. I feel the insurance company and the airline industry have created ways to keep people with chronic illnesses from traveling without possibility of deep forfeiture. It is extremely bias that someone with cancer cannot travel until they are at a stage of "no sign of cancer". Do you realize that someone who has gone through cancer treatment has to visit their doctor every 90 days in the first year. Allianz's policy says that if you see a doctor for this condition within 120 days prior to buying their policy they are exempt from having to pay the claim if they than have a recurrence of the cancer and have to be treated. This does not allow the traveler and company to take advantage of discounted airfare. Short of someone dying or getting sick while in travel status will they pay the claim.

Regards,

Review: My elderly mother purchased concert ticket for my daughters ages 16 and 9, she purchased the insurance too. I was the form of transportation for my daughter's to the concert. The concert was August 17th, I got into a car accident Aug 16th. I had a [redacted] and the front of the car crushed in and dented the radiator. I called Allainz on Sunday and explained what happened and was told that I had to provide them with proof the car was in an accident within 48 hours of the event. I did and on top of that took numerrous pictures to show the damage. The damage to car was to severe and needed a car for work purposes so I ended up leaaing a car and figured everything was ok. My claim got denied because they said not only did I have to prove the car was in an accident I now had to prove that the car was un drivable. So I called my insurance company and the person there handiling it [redacted] at [redacted]. I explained what happened sent her the pictures, I'm paying the surcharge and the other orperator was an obvious witness to accident. She said the car was clearly unsafe and unoperatable to drive. Here's my probem, she has called the insurance company at least 3 times to where they wont't get back to her. When she gets through she sends an email to where she is told and provides the information being requested and gets a confirmation her email was received with still no response. I call inquiring about it and they constantly tell me they have never been contacted by my insurance company. [redacted] is an impartial party in this and has documented everything. They are refusing to respond to her and are refusing to reimburse the money. Also when she did get through the person made it very dificult saying she couldn't find complaint. My mother [redacted] purchased it and I [redacted] have been handling it because for obvious health reason my mother wouldnt be able to handle this stress this company is providing, she is almost 80. The claim # for my insurance claim is [redacted] and for Allainz is [redacted]. Please help in resolving this matter. Im not sure what else or who else I can contact to resolve it.

Thank you

[redacted]Desired Settlement: I would like the insurance company to honor it contract and refund the money. I would also like to make know that this insurance company I find very unpofessional and not truthful at all. I'm very lucky my insurance agent is an impartial third party who keeps excellent documentation.

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 records indicate that consumer sent in documentation to the Claim Department for review and the event was a covered loss. At this time, the claim has been resolved as of 10/29.

Sincerely,

Claims Escalation Analyst

Long story short, we bought a flight for relatives and included Allianz Insurance. Two days after we bought the policy, their kid ended up in urgent care, with foot, hand and mouth, which is highly contagious. We had to cancel the flight. For the next two months, I had to make multiple calls with Allianz, always ending with requests for further documentation, even though they never notified me that they needed more documentation. Finally it came down to a request for the date of onset. That's apparently different than the date the kid went to urgent care. It took another month to get them to fax the urgent care center, with me calling both multiple times.
Finally it came out that the doctor stated the date of onset as the very date we'd purchased the insurance, conveniently for Allianz, since the policy doesn't start until the day after you buy it if you purchase it online. That was the date that my mother-in-law noticed an undiagnosed spot on his face, which is what she told the doctor. Still it was two days before he became ill and went to the urgent care, and two days before we had a diagnosis that prevented the flight. That little piece of semantics was enough to have our claim disqualified. I guess my 70-year old mother-in-law should have had enough medical knowledge to diagnose a spot on a 5 year old kid's face.
So, after three months of calling and prodding them, of never receiving promised notifications of receiving documents, of having to even do their job and call the urgent care center for a fax number, I had nothing to show for it, except a determination to never, never do business with Allianz again. In fact, we already had a policy for another trip insured through Allianz, which cost me almost $100, and I've already cancelled that policy. These guys are unethical shadesters who will do whatever it takes to keep from paying out for policies. I'm persistent, most people would have given up months ago. That's what Allianz banks on, that they can delay and delay, until people give up, or in our case, they have some BS reason to disqualify our claim. It cost me $1000 to learn not to do business with this company, don't make my mistake. I'd give zero stars if it were an option.

Review: I purchased travel insurance 12-06-13 through Allianz Global Assistance for travel to [redacted] on July 7 2014. I was unable to travel because I had to have a total hysterectomy (precancer - complex hyperplasia with atypia) on July 11 2014. They denied my claim and refused my refund. I have more health issues with my spine (Displacement of cervical intervertebral disc, Brachial neuritis or radiculitis NOS, cervical spondylosis, degeneration of cervical intervetebral disc, and myalgia and myositis). When I called to report the new health issues they refused to refund me again because "I missed my plane".Desired Settlement: Refund flights from travel insurance (Allianz policy number: [redacted] purchased on 12-06-2013)

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.

The consumers insuring agreement excluded coverage for any loss resulting directly or indirectly from an existing medical condition.

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

The consumer may send in documentation for the back injury and we will review that. The consumers claim has been updated to show that additional documentation may be forthcoming.

Sincerely,

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID[redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

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

Regards,

My medical conditions were NOT pre-existing. Please reject. Thank you and please let me know what I need to do to help resolve this. [redacted]

Allianz Global Assistance is a complete scam. I am furious they even market themselves as an 'insurance company" and even more upset airline companies such as [redacted] and [redacted] even associate with them. Future customers, please do yourself a favor and DO NOT purchase a so-called trip insurance policy from these guys. The "fine print" and loop holes are endless. I wish I would have saved my $20 and just ate the cancelled trip/ change fees and had ** give me the remaining credit.

Bought tickets on [redacted] to [redacted] and bought insurance from Allianz to cancel in case something happened. Unfortunately something did happen and I had to leave town unexpectedly. When I called to cancel they wanted the reason I was canceling with supporting evidence. The guy was very rude and very pushy about my private life. Kept stating he wanted supporting documentation to prove I would not make the concert. I refuse to send them a copy of an obituary of my family member that passed. It was very unprofessional and an invasion of my privacy when the terms said I could cancel any time at least 48 hours before the event, for any reason. This is untrue and he made it sound like they would review my paperwork and decide if my reasoning was good enough to get me a refund. DO NOT, I repeat, DO NOT waste your money on their insurance unless you wanna give them a whole bunch of info they shouldn't need nor be able to ask for. I had to resell my tickets back to [redacted] and lost $60.

Review: I bought advertised cancellation insurance for an 70.3 mile triathlon race that was offered at the time of registration. I was unable to attend the race due to an unexpected 2 day notice job assignment in which I was temporarily relocated away from my home. I filed a claim with claim number [redacted]. After a conversation with Sr claims examiner [redacted], I was told they would not pay my claim although in the policy it specifically states that is a covered reason.Desired Settlement: A check for $[redacted]

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.

Our terms were readily available in the booking path prior to purchase and also emailed to the insured after the purchase.

According to the claim documents, the insured was not able to attend the event due to a business obligation as he was required to work during the event date. Unfortunately, this was listed as a general program exclusion thus any loss resulting from this would not be covered.

At this time we are unable to provide coverage for the loss.

Sincerely,

Review: I paid for insurance to cover hotel in the situation that I was unable to make it as scheduled and they won't cover now that I am unable to arrive.

I booked a hotel using [redacted] and through their partnership with Allianz Global Assistance I paid for insurance in case something happened that I can not make the flight.

Flights are booked solid for the day and I am not able to make the flight but they do not want to honor the insurance.Desired Settlement: I would like a refund of the amount paid for hotel. If they do not refund I would be happy with rescheduling the arrival date.

Business

Response:

Dear [redacted]:

Thank you for forwarding this matter to my attention.

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

Sincerely,

Claims Escalation Analyst

www.allianzassistance.com