Allianz Global Assistance

Review: I made reservations via the [redacted] website for two persons to fly from [redacted] to [redacted] (Bahamas) on Dec 29 and return on Jan 6. At the time of my making reservation I also purchased insurance for trip interruption from Allianz Global Assistance (policy # [redacted]) via the United website.

There was a problem with our reservation. We had to spend an extra day in Fort Lauderdale and another in Marsh Harbour — a delay of two days. A claim was filed for $947.27 and we received a check for $300.00. The information on the United Airlines website was not detailed, but seemed to indicate that the premium paid was to insure us if we had problems with our travel plans. When we received our policy there was a statement of the benefits of the policy that included: Travel/Trip Delay Coverage of a maximum $500 and Trip Interruption of up to $456.50. When I called, for an explanation, I was referred to page 10 of the insurance contract that indicated that there was a special limit of $150 per day per person. Nowhere else was this limit noted. The customer is told one thing in one place and then, something else buried in the contract. It should be noted that even under their special limit, we received less than expected. Two-persons, delayed for two days equals a minimum of $600.Desired Settlement: To be reimbursed for the full amount of $947. 27 in additional costs because of trip delay/interruption. This would require an additional payment of $647.27.

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. According to the consumers claim documentation, the cause of loss was due to an event that fell under the benefit of Travel Delay. The Travel Delay benefit provides reimbursement for additional accommodations and transportation expenses you incur while you are delayed up to $150.00 per person, per day. According to the documentation on file, the consumer incurred a one day delay due to an airline discrepancy. This event triggered coverage under the Travel Delay benefit for the delay on 12/29/15. The consumer then changed the return flight as a personal decision but a delay by the airline did not cause their return flight to be delayed. The charges resulting from the decision to change the return flight to one day later would not be covered. Due to this reason, the claim was reimbursed $300.00. At this time I regret that we are unable to provide the consumer with a more favorable response. Sincerely, Kalinda H[redacted]Claims Escalation Analyst 9950 Mayland Drive Richmond, Virginia 23233 www.allianzassistance.com

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.The changes that I made were directly the result of the problem with my flight. I had to re-book the flight the next day and then could notreturn until a day later than planned. As a result of the problem with my reservation I was delayed both at the beginning, and end of my reservation.

Regards,

Review: I purchased travel insurance through [redacted]. I had an emergency and went to the hospital and had to cancel my trip due to increasing pain I was experiencing. Allianze travel insurance denied my claim even though there was a valid medical documentation. I spoke to a women named [redacted] and [redacted]They have poor customer service and offered no help at all.

Product_Or_Service: may 3Desired Settlement: DesiredSettlementID: Refund

full reund 158.30

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. 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 indicates that the onset of the condition was the same date as the purchase of the policy. As the insuring agreement excluded coverage for these conditions, I regret that we are unable to overturn the denial of the claim.

Sincerely,

Claims Escalation Analyst

www.allianzassistance.com

Consumer

Response:

I had increasing pain and was not able to complete my travels. At time of purchase, I had no pain. I purchased insurance and expect a full refund.

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,

Review: I paid [redacted] for my Ireland trip for my niece's wedding and purchased Allianz travel insurance through [redacted] ([redacted]), thinking my trip was covered. The day of travel, Thurs., June 13th, we evacuated our home due to the Black Forest fire, the largest fire in Colorado history. Our home became uninhabitable because of the fire danger. Once I ensured my childrens' safety and evacuated (not knowing if our home would still be there or not when we returned), I-25 was then closed and there was no way to get up to the [redacted] in time for my flight. I called Allianz & the girl I spoke with said that my trip should be reimbursed and sent me the paperwork. When the evacuation order was lifted and we returned home and all was well, thank God, I filed the paperwork, fully expecting travel reimbursement for circumstances beyond my control. Allianz denied my claim because my home was not damaged eventhough I evacuated and my home became unihabitable (which is supposedly covered under their policy). The day of my travel was beyond stressful. I would have made the trip if I could and cried for days because I missed the wedding. That day, I was getting ready for an international trip, my husband, a retired Army officer and current [redacted] civilian had to rush home from work to help with the evacuation of our home because of a raging forest fire, I needed to make sure my kids and pets were safe, console my stressed out kids, and then got stuck because the interstate was closed. Allianz took a very stressful situation and made it worse by not honoring their policy, having compassion, and providing poor customer service.Desired Settlement: I would like Allianz to honor their policy, do the right thing, & reimburse the cost of travel, [redacted], claim [redacted].Their policy says:"Your primary residence is uninhabitable because of a natural disaster, fire, flood, burglary or vandalism."- We had to evacuate our home due to a forest fire, which makes the home uninhabitable.Travel delay: When it applies:"Natural disaster Theres a natural disaster."-The interstate was closed beyond my control and I could not make it to the airport.

Business

Response:

Dear [redacted]:

Thank you for forwarding this matter to my attention.

I do apologize for the consumer’s frustration regarding our rejection of coverage in this matter.

As with any type of insurance, our programs have terms, conditions, and exclusions that impact coverage. Not every unforeseen situation is covered, and our programs are not “all risk” in nature.

So the consumers are clear in that regard, we indicate on the website where the consumer purchased her insurance that “Limitations apply”. We also provided a hyperlink which can be used to review the terms and conditions of the insuring agreement prior to making the purchase should a consumer wish to do so.

We also stated in her insuring agreement that:

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

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

[redacted] insuring agreement contained the following as it related to one’s home being “uninhabitable”:

Your primary residence is uninhabitable because of a natural

disaster, fire, flood, burglary or vandalism..

Her insuring agreement defined “uninhabitable” as:

A natural disaster, fire, flood, burglary or vandalism causes enough

damage to make a reasonable person find their home or other

accommodation unfit for use.

As the consumer’s residence received no damage, her trip cancellation coverage was not triggered.

Also, being evacuated from one’s residence was not included among the reasons which would have triggered her coverage.

Please feel free to contact me with any further questions you may have.

Sincerely,

Manager, Regulatory Claims, USA

Review: My father whom is 70 years of age purchased travel insurance from this company November 12th 2012. We were unable to go on this trip because my father got very sick and was put on a breathing machine. My father has be to the doctor twice to fill out paper work stating he was unfit and unable to travel. We have called Allianz Global Assistance many times over the last 6 months trying to get his refund of $570.23 This company has given us the run around every time and refuses refund his money! Every phone call we are put on hold for 20 plus minutes before they tell us they will call back. Never once in the 6 months has Allianz Global Assistance tried to contact by mail, email, phone or any other way. Please don't let this company rip you off! Please do not use this company. [redacted] is retired military and fought for this country for our freedom and rights! Not this...Thank you for reading,[redacted]Desired Settlement: I just need my father to get his refund in the amount of $570.23Maybe a letter of apology would be nice also.

Business

Response:

Dear [redacted]:

Thank you for forwarding this matter to my attention. I am sorry for [redacted] frustration.

We tried on multiple occasions to have [redacted] PCP provide clarification regarding dates he included on a Physician Statement Form he completed. Without that clarification, we are unable to determine if we can provide coverage for this claim.

We stand ready to continue our review of this matter and suggest that the consumer contact his doctor and have him call our Claim Department.

Sincerely,

Review: This company is a fraud! They take your money and if you have a legitimate claim, their "employees" (I use this term in quotes as they don't seem to be able to do their jobs properly) don't help you and they don't give you your money back. I was hospitalized unexpectedly after a trip to the emergency room for what was assumed to be gallbladder pain and after 4 days in the hospital it was discovered I have a rare congenital issue which will require a major invasive surgery. During this time in the hospital where I underwent more tests than I knew existed to diagnose this issue, I was obviously unable to attend a play (for which I purchased insurance as I always do - just in case). My husband called Allianz and they said I just had to file a claim on line within 90 days and provide a doctors note. I did this a week later and waited the 10 business days for processing. Nothing. I called. Nothing. I emailed. Nothing. Finally I got a hold of someone who said they were waiting on forms. I said I had no idea what they were talking about and was told that they "should have sent me forms for my doctor to fill out". WHAT? I WAS IN THE ER - THEY AREN'T GOING TO FILL OUT FORMS FOR ME TO GET MY MONEY BACK FOR PLAY TICKETS! I submitted their form without an ER doctors signature and as my general doctor (who has been my doctor for several years) coincidentally (and unfortunately for me) retired to take care of her elderly father at the end of March, it made this form impossible to have signed by a physician. I submitted letters from the doctor, letters from myself, links to the doctors who treated me that I could recall, links to my new doctor, I even asked if they wanted to see the invoices in the amount of $73K from this hospital visit and they refuse to refund my money. DO NOT use this company - they are a fraud and they take your money with NO intentions of ever refunding it should something terrible happen to you causing you to be unable to attend an event.Desired Settlement: $218 - the cost of my tickets refunded in full

Business

Response:

Dear [redacted]:

Thank you for bringing this matter to my attention.

Upon review of the claim, the consumer originally purchased tickets for the date of 03/20/2014. These are the tickets that were insured by Allianz. According to the claim documentation, these tickets were canceled and the consumer brought tickets for the date of 03/26/2014. These tickets were not insured with Allianz.

Due to this reason, we were unable to provide coverage for the consumer’s loss. The insurance policy that was emailed to the consumer listed the coverage date of 03/20/2014.

While the consumer’s loss was a covered reason under the insuring agreement, the event on 03/26/2014 was not insured, therefore, we are unable to reimburse for that event.

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,

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 issue I had with this offer is that I have explained several times that the same tickets purchased on the first date were changed within an hour for the second date and I was never told by Allianz that I needed to change the insurance policy date when I changed the ticket date. Why would I pay insurance for tickets I no longer had? They should at least reimburse me for half considering they never stated this!

Regards,

Review: My husband and I flew to [redacted] We both purchased separate Travel Insurance through Allianz with the party of [redacted] on the Letterhead. My police # is [redacted]. My husband and I both got ill from Altitude Sickness and I call this company immediately. They informed us to do what was necessary and they would make a notation of this call on August 2 and upon our arrival back home on August 5th, I should file a claim, which I have done. Claim# [redacted]. We had to purchase over the counter meds as well as cancel a hotel stay paying a penalty of $35 with a total Claim amt of $55.00. I cannot get help with this nor a response. I am placed on 35 to 40 minute holding time and none of my e-mails have been answered. I would like reimbursed and also to cancel my policy I purchased on August 7 for another upcoming trip. It is such a hassle to get a claim paid, it is not worth my trouble since I suffer from PTSD due to service to my country.Desired Settlement: A refund for the $55.00 as well as cancellation of the upcoming travel coverage with policy # [redacted] at the cost of $26. I do not feel like fighting this insurance company again should I have any problems with future travel to MSP. All for a total refund of $81.00 Thank you

Business

Response:

Dear Ms. [redacted],Thank you for forwarding this issue to my attention. According to our records, the consumers claim was submitted for payment on August 26, 2015. The consumer should allow 5 to 7 business days to receive the check. The policy listed in the complaint has also been canceled effective today. Thank you,

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: If it were possible to give zero or negative stars I absolutely would. I submitted claim paperwork in February because my husband's tour of duty in AFG was extended and my supervisor cancelled my leave request because of a [redacted]. Even if I could have taken a later flight...we have 2 small children who would uncared for because of the tour of duty extension. I explained all of this when I submitted the claim and supporting documentation : extension orders, original orders, letter from the Commander, statement from my supervisor, and original ticket invoice. More than a month later I receive correspondence asking for more documentation...fine I'll play along. I call the number provided and ask what additional information is needed, the response "nothing, we have everything." A month later (yes, nearly 60 days after the claim was submitted) I inquire about the status of my claim to be told it was denied and essentially the reasons I submitted for my trip cancellation are not covered. I will NEVER purchase insurance from this company! They truly are a sham and have appalling customer service. I should have read reviews for this company prior to purchasing...Fool me once- shame on Allianz, fool me twice-shame on me. What a disgraceful company!

Business

Response:

Dear [redacted]:

Thank you for bringing this matter to my attention.

Our insurance, like any other insurance had terms, conditions and exclusions that impact coverage. These terms were readily available for review in the booking path and also emailed to the insured along with a 10 satisfaction guarantee period.

According to the terms of the insuring agreement, coverage was excluded for business or contractual obligations.

The claim was then reviewed for military obligations as the insuring agreement provided coverage if you or a traveling companion had their personal leave revoked. The consumer’s documentation indicated that her husband was not her traveling companion; therefore, we were unable to provide coverage for this expense.

At this time my review shows that the claim was handled appropriately and we regret that we are unable to provide the consumer with a more favorable response at this time.

Thank you,

Claims Escalation Analyst

Allianz Global Assistance

Consumer

Response:

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

The response indicates that coverage included if my or my traveling companion's leave was revoked. While my husband deployment orders were extended, I also provided documentation of my leave being revoked by my supervisor as part of my claim and yet it was still not honored. I provided a complete explanation and documentation upon initial submission of my complaint as well as in phone calls and follow up emails to this company. It's clear from the response provided that no one took the time to read my submission or properly review all of the documentation provided because had they done so, according to the company's response my claim should have been approved and the insurance I purchased honored as written.

Review: I purchased this insurance through [redacted] for my mother [redacted] for a rental ca out of the Atlanta airport through [redacted]. I paid for the insurance and car through my [redacted] for my elderly mother since she doesn't own a credit card. [redacted] denied her rental because she had no credit cards, and [redacted] would not change the reservation. The car was never used or picked up so the insurance was never used or needed .Desired Settlement: Refund to my [redacted] Card. [redacted] coverage of [redacted]. [redacted]

Business

Response:

Dear Ms. [redacted],We do offer a 10 day satisfaction guarantee. Our Customer Service Department would be able to help you with this matter. I am not showing you have contacted them. Please do so by calling [redacted]Sincerely,[redacted]Quality AnalystClaims Quality Assurance9950 Mayland DriveRichmond, VA 23233www.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]. This company has reimbursed me, thank you so much for your help. [redacted]

Regards,[redacted]

Review: To Whom it May Concern,

I purchased travel insurance from Allianz Global on August 14, 2014. I filed a claim on August 28, 2014. I can provide reference number and claim numbers if necessary.

I planned a trip to go to [redacted] with a friend during the first week of Sept 2014. We bought our [redacted] plane tickets separately but purchased seats on the same flights. I purchased travel insurance from Allianz Global on August 14, 2014. My friend did not purchase any travel insurance.

Unfortunately, my friend had a medical situation and needed to go to the hospital on August 19th. She sent me an email, dated August 20, 2014, stating that she had been in the hospital the day before. A few days later, her Dr. advised her not to travel. On August 26th, [redacted] wrote my friend a letter, addressed to [redacted], stating that she was advised not to travel in order to undergo further medical evaluation.

As a result, my friend and I cancelled our trip. I filed a claim with Allianz on Aug 28th and on Aug 29, I changed my [redacted] flight and was charged $304 to change the ticket.

In order to be considered for the claim, I submitted all the documentation requested by Allianz, including my original[redacted] e-ticket confirmation, the [redacted] e-ticket reflecting charge for changing the ticket, the Dr's note, on letterhead, from my friend, the email from my friend, dated Aug 20th, when she told me that she had been in the hospital all day, etc.

In response, Allianz Global said that I had to have [redacted] fill out the Allainz Global Form in order for them to consider my claim. I asked my friend if her Dr could fill out the form. But her Dr said that she would not fill out a form detailing medical history on behalf of someone who was not her patient. Since my friend did not purchase travel insurance, she was able to get [redacted] to reimburse her.

However, I thought that I would be covered from having to pay the change in airfare because I had purchased travel insurance from Allianz.

It is now Dec 18, and Allianz has refused to review my claim because I haven't submitted a completed version of their form (as if their form is the only way to verify a medical condition). Even though I have submitted all other required documentation, including a letter from the Dr.

I am incredibly disappointed. I don't know how many hours I've already spent filling out the online forms for Allianz in order to file a claim, uploading documents for Allianz, calling Allianz to ask questions. And they won't even consider my claim because I could not get someone else's Dr to fill in their required form.

I tried to talk to them by phone to explain the complicated nature of requesting someone else's Dr to fill in a medical form for my benefit. But they will not budge. I will no longer be purchasing travel insurance from them. The amount of time and energy I spent trying to get reimbursed for a legitimate medical emergency has cost me so much time and energy without any results. I am also going to notify all my friends and family that it's a big scam. Allianz Global takes your insurance money but makes it incredibly difficult to get reimbursed for a real issue. I would love to know the numbers: How many travel insurance claims does Allianz receive in a year? And how many travel insurance claims have resulted in reimbursement?Desired Settlement: I would like to be refunded by check for $304. The amount of money [redacted] charged me to change my ticket.

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. In order to effectively adjudicate a claim, we require a completed Physician Statement form for all medical claims to ensure that the condition is covered under the policy. In lieu of that, we will accept the hospital admissions/discharge summary outlining the same. Your traveling companion can provide this form to her doctor or provide you with a copy of the hospital admissions/discharge summary . Without those documents, we are unable to process the claim. Sincerely,[redacted]Quality AnalystClaims Quality Assurance[redacted]

Review: On 02/16/14, I purchased tickets with [redacted] (online purchase) to the [redacted] for 06/21/14, using my [redacted] credit card.

On 02/17/14, that purchase was posted to my [redacted] account.

On 02/18/14, another Charge was made to my [redacted] credit card for the amount of $13.98 from Allianz-Global-Assistance for event ticket insurance (Ref # VA [redacted]).

When I purchased the tickets with [redacted] I DID NOT authorize Allianz-Global-Assistance to charge my credit card. therefore, this is a fraudulent practice and I can't help but wonder how many other victims are being taken by this action committed by Allianz-Global-Assistance.Desired Settlement: I would like for my money be returned to my account, but more importantly, I'm hoping that the Revdex.com can stop Allinz-Global-Assistance from continuing these fraudulent / unknown charges to people's credit card.

Business

Response:

Dear [redacted],

Thank you for bringing this matter to my attention.

Our insurance is offered for purchased on the [redacted] website. If the consumer did not want to purchase the insurance, the option to opt out would have been the option to choose.

The consumer also has the option to cancel the insurance plan by calling the Customer Service Department within 10 days of the purchase. I have forwarded the request to the Customer Service Department to have the policy canceled.

Thank you,

Claims Escalation Analyst

Allianz Global Assistance

Consumer

Response:

Hi [redacted],

1. First and Foremost, please accept my sincere appreciation for your assistance and dedication to public service. I received a separate email from the business that my ticket insurance was cancelled and that the funds will be returned to my account. I'm most certain that I would not have been able to have accomplished this without your help.

Review: I purchased [redacted] show tickets from [redacted] as a Christmas gift for my parents on 12/13/13. I knew that because it was a gift I should purchase the insurance offered in the event my parents would not be able to make the show. After purchasing the insurance I received an email from Allianz Global Assistance for an emergency assistance card as well as a link to their website to download the insurance policy. I clicked on the link to the website but was never able to find the link for the policy itself. After Christmas passed my parents got a call from our family that my father's first cousin had died of a sudden heart attack. My parents immediately made arrangements to fly to [redacted] for the funeral not allowing them to attend the show that was scheduled for January 4th 2014. I contacted the insurance company right away and filed a claim as they requested. I emailed them the tickets for the show as well as the claim forms that were sent to me and a receipt for the tickets for my proof of purchase. In my claim form I explained that my parents had a death in the family and that my father's first cousin had died. After 2 weeks of waiting for a response and not receiving one (they ask for 10 days to reply) I called and spoke to the claims agent who informed me that she would not be able to provide my money back for my tickets because it did not fall under the listing of the specified family member. They cover parents,children,grandparents, grandchildren, Aunts, Uncles, nieces, nephews but not your first cousins. The claims agent stated that Allianz had sent me a copy of the policy but they never did. I absolutely never received it. I was so upset when I learned they would not honor my request. And extremely upset because I could not find the policy anywhere on their site to even find this out. On top of all of that they still made me pay for the insurance that I purchased for the tickets and lost money for the insurance and the tickets as well. I feel that I have been bamboozled and scammed. I purposely paid for insurance for coverage in the event my parents might not be able to make the show and they refused to pay out!!! Very unbelievable and unethical to me!Desired Settlement: I decided to dispute this with my credit card company ([redacted]) so if they give me the money back all will be okay but there is a possibility that [redacted] will not give me back my money. If that is the case I want Allianz Global Service to honor my $316.70 by mailing me a check in the full amount. I also think that they need to make their policy clear and have it easily accessible on their website. Its almost as if they don't want you to find it so they don't have to pay out. I really hope that you investigate their practices because they are guilty of falsely advertising their product! Its not fair that you purchase insurance and they refuse to pay you for your loss and also refuse to pay back the insurance money itself. What is the point of purchasing the insurance if they are going to refuse to honor people's inability to attend an event specifically related to a death in the family. How awful!!!

Business

Response:

Dear [redacted],

Thank you for bringing this matter to my attention.

Our insurance, like any other insurance had terms, conditions and exclusions that impact coverage. These terms were readily available for review prior to the purchase on the [redacted] website and also emailed to [redacted] on 12/13/2013 at 9:26PM EST. We show no error in that submission.

The consumer's insuring agreement provided coverage for the following:

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

According to the consumer's insuring agreement, family member was defined as:

Family Member means spouse; parent; child(ren), including children who are, or are in the

process of becoming, adopted; sibling; grandparent or grandchild(ren); step-parent; stepchild; or

stepsibling; in-laws (parent, son, daughter, brother or sister); aunt; uncle; niece; nephew; legal

guardian; ward; an employed caregiver who lives with You; or a person with whom You have lived

for 12 continuous months prior to the coverage effective date.

Unfortunately, a cousin was not listed as a covered family member.

Due to this, I regret that we are unable to issue reimbursement for the consumer’s loss.

Thank you,

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 Insurance Company did not offer to make good on my complaint about them. They did not offer me my money back for my tickets and nor did they offer me my money back that I spent on the insurance. I really did not think that they would and I am quite disappointed in them although not really surprised. They claim that their terms are readily available on their website before you purchase the insurance but that is not true and I ask that you look into their website to see if you can find them.

I also think that they should change their family member terms (for a death in the family) to any blood related relative. I just don't believe that their terms are reasonable and because of their policy being the way it is, it probably will cause people to lie about which family members have passed away. If they haven't already, which is probably what I should have done had I been able to get a hold of the policy which I couldn't. That way I would have at least been reimbursed my money. Its a real shame and a bad way to run a business.

In any event. I did not get anything in return from this company for my troubles however I was able to dispute my claim for this problem with [redacted]. They have taken care of it. Its unfortunate that many other people in my situation will not have the same outcome. I hope that "YOU" Revdex.com, have a thorough look at this company and the way they run their company. They are getting away with scamming the public! Please look into it or more people will get scammed!!!

Regards,

What a complete waste of time and money! I will never purchase travel insurance through this company again. Customer service was absolutely no help.

Review: I purchased $40,000 of auto insurance for a rental car. The car received damage from a hailstorm which passed over the area I was staying. I was not driving and their was no covered parking at the hotel. [redacted] rental car stated there was $5999 dollars in damage. After negotiations between [redacted] and Allianz, [redacted] stated they would settle for $4600. Allianz first tried to settle for $2800 and then for $3400. I was never told by Allianz of the $4600 settlement. When Allianz could not come to an arrangement it thought would benefit them, they called me and told me they would be sending the check to me so that I could sort it out thus washing their hands of it. I told them no and said they needed to pay the full amount and not to send it to me that I would sue for the amount, but they sent the check any way. There was no blame placed on my by Allianz, only that they were not willing to pay the $5999. In this complaint I make the following accusations. 1) Breach of contract. I paid for $40,000 of insurance, that is what I should get. They being treated fair by another company is not my concern. 2) Working the law. The $1200 difference is something done in small claims court. Because they are in Virginia they know it would not be worth my time to file from [redacted]. 3) Delaying prompt service. This incident was in April and the paperwork completed in May. It took them to October to decide they were going to wash their hands of it. It furthers my liability with [redacted] as I am the responsible party with them. This is also another example of working the law. Had I known what I know now, I would have bought the insurance directly from [redacted].Desired Settlement: I want $1500. This is the $1200 difference plus damages in taxes as now I will have to pay them on this settlement. After I report my $3400 to the IRS, it will be taxed. This is true of the $1200 I am seeking. Had they just paid the $4600 directly then this would not have been a problem.

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.

According to the consumers file, the consumer was advised that the Claim Department was in the process of settling the claim with the rental agency. As there are specific guidelines that the examiners are required to follow, and a settlement was not reached with the rental agency, the claim was finalized appropriately.

Reimbursement for the loss was sent to the consumer which is standard policy and procedure when a settlement isn’t reached with the rental agency.

At this time, my review indicates that the claim was handled appropriately and additional payment will not be granted.

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.

Regardless of what they say, [redacted] provided all documentation in a timely manner. There was no justification made to me or to [redacted] as per anything out of the ordinary by [redacted], only the cost was the issue. They tried low balling at arround $2000 and then $3000 before they just left me out there to absorb the damages.

That being said, I paid for $40,000 of coverage, I should have recieved it. The fact that they said they came to an appropriate outcome is false, putting it lightly. The only thing that was done properly by Allianz was to work the system as it felt appropriate in a manner to delay the issue until the client became legally liable.

In closing I feel Allianz is working you the same manner that they worked me. Holding replies to the last minute and coming out with a blanket statement that is nowhere near fact. I would hope the Revdex.com compiles my complaint along with others here to show a pattern of abuse by Allianz of its clients.

Regards,

Review: Rejected Travel Claim Twice with Doctor's letter.

policy number [redacted]

Rejected Travel Claim Twice with Doctor's letter.

policy number [redacted]

Traveling dates - Houston to Cancun August 28th to September 3rd by [redacted].

My doctor confirmed my pregnancy on 08/21/2013 and being a high risk pregnancy with past OB history of stillborn at 32 weeks, she strongly recommended no travel during the pregnancy as it will increase the risk of clotting. I called Alianz and described them the situation and customer service was so nice and sent me the forms for the claim. Customer service person said they would accept my claim as it is high risk. I completed the form and submitted the claim and I got rejected saying additional explanation is required. On September 23rd, 2013 I resubmitted the claim appeal and again got rejected saying it is not covered. This is not the right way of doing business CHEATING INNOCENT PEOPLE. I am not sure how Revdex.com gave A+ rating for such a scam company. I want justice for my case and strongly recommend Revdex.com to solve my complaint.Desired Settlement: I am requesting the Allianz Travel insurance to settle my claim and refund my air fare money ON FAIR GROUNDS...

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.

Specifically excluded from coverage was normal pregnancy. The information on file indicates that the cause of loss was due to the physician advising against travel based on the previous history and not a complication of the current pregnancy.

While we empathize with the consumer and offer our condolences for her lost, our insuring agreement provides coverage if there is a complication with the pregnancy. As our insurance isn’t speculative in nature and does not provide coverage for what-if situations, I regret that we are unable to overturn the denial of the claim at this time.

Sincerely,

Manager, Regulatory Claims, USA

Review: Took out Allianz insurance on 14 May 14 after I booked [redacted] hotel. My trip was scheduled for the 15th of May 14. Two hours later I had to cancel because of a death in my wife's family (first cousin). After putting in a claim with Allianz, they denied my claim due to not having cancelled on the day of my trip, which was for the 15th of May.Desired Settlement: If I take out insurance of the 14th, then I should be covered right then and there. I should receive full restitution.

Business

Response:

Dear [redacted]:

Thank you for forwarding this matter to my attention. I apologize for any frustration the claims process may have caused the insured and offer our condolences on the passing of his family member.

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

The terms indicated that the Trip Cancelation benefit went into effect the next day after purchase at 12:01 am. Unfortunately, the loss occurred prior to the insurance effective date.

Also, the policy provided coverage for the death of a family member. Unfortunately, cousin was not included in the definition of a family member.

The claim has been reviewed and the proper decision was made.

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

This is the biggest [redacted] I've ever come across. If you have money to throw away, then yes, go ahead and purchase this pointless insurance that will only allow you to file a claim if someone died within 24 hours of your trip.

Like most insurance companies, this one tops them all as far as pointless coverage.

DO NOT CONDUCT BUSINESS WITH THIS COMPANY! You been warned.

I can't figure out what they do. I had a flight delay of 3.5 days. I had a paid hotel reservation in Oregon which I could not use because I was stuck in Philadelphia. They said because it was purchased before the cancellation it was not eligible for a coverage. So, even though it was a loss due to the cancellation of a scheduled flight it has nothing to do with them which I am sure is covered in the mile ling gobbelty gook of legaleaze which is carefully designed to free them from just about every shred of responsibility for the service they are pretending to provide.

I had failed to keep careful receipts in the hassle of rearranging my plans, staying with people, scraping together money that sort of thing. I take responsibility for that, there was a lot going on and I wasn't thinking about the details of reimbursement.

I believe this is a typical insurance company on the shadow side of the business. They follow the letter of the law and under exact conditions may or may not compensate their customers as they promise . This company at it's heart is a legal shell game, a scam providing mostly psychological security. They promise total trip security and protection against the unforeseen but I imagine it is next to impossible to get them to honor their agreement under nearly every condition because their business is not insurance: it is convincing the customer that all will be well, no matter what happens but when something happens nothing goes well with them at all.

Avoid them tell everyone you know to avoid them do not buy this service. it will not take care of you and cost you more in headaches and hassle trying to get 60 bucks out of them than just buying it all again.

I recently purchased travel insurance with Allianz Global Assistance for a trip for a family wedding. I always purchase insurance just in case of any emergencies. This is the first time I ever submitted a claim. Before I submitted my claim, I called Allianz and spoke with a representative. I explained my situation and was told that I would not have any problems with getting reimbursed. I was told just to fill out the provided claim forms. I decided to change my travel plans and I was confident that I was going to be reimbursed. When I received a letter that stated that my claims were rejected, I was disgusted. When I called Allianz, I was told that my insurance did not cover the reason for my claim. I even explained that I was told that I would be reimbursed by a company representative. Being an unemployed student, I need to be cautious with every financial decision. I wouldn't have changed my plans so easily if I knew that there was only a possibility of my claim being accepted. I will not purchase insurance with this company again.

Review: On July 26th 2013 I purchased one airline ticket and travel insurance on the [redacted] web site. Prior to selecting travel insurance, I looked at the travel insurance document(s) via a link. I saw trip cancellation/interruption and other terms and felt confident about the insurance provided by Allianz Travel Insurance. The document itself is about 24 pages. I continued through the process going by all the other add-ons (hotel, car, etc) and added my billing information in order to complete my booking. On Tuesday July 30th 2013 I was informed that the trip was being cancelled by the accommodation owner. The owner has refunded the cost ($498) of the accommodation. This was his call and not my decision as I was very disappointed. At this point, I called the Allianz Travel Insurance company and relayed the information and asked about the steps I need to take for my claim. The Allianz customer service gentleman informed me that my airline fee would be covered and that I should make the claim online. He then stated that I should call Orbitz to cancel my airline ticket so that the seat would be freed up. He asked if I needed the number for Orbitz to cancel the flight and I replied yes.Later in the day on Tuesday I called Orbitz and cancelled the flight as instructed. I then logged onto the Allianz web site and filed the claim. While online I called Allianz as I didnt think my claim was going through their online system. Then the Allianz web site updated and everything looked good. At this point in time a woman customer service representative came on the phone and asked what my inquiry was about. I told her that I entered my claim online and everything went through successfully and I no longer needed her assistance. She asked for my claim number and wanted to review everything, so I complied. She then informed me that I was not covered for the tickets. If you have any questions or require documentation, please advise.Desired Settlement: I would like the cost ($463.60) of my airline tickets refunded. The total cost of the airline tickets and insurance was $493.73

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. To ensure consumers are clear in that regard, we included the following in your insuring agreement:

“This is a named perils travel insurance certificate, which means it covers only the specific situations, events and losses included in this document, and only under the conditions we describe.”

Unfortunately, having one’s travel plans cancelled by the accommodation owner was not included among the reasons which would have triggered his trip cancellation benefit.

In reviewing the call he mentions in his complaint, our Associate did not guarantee that his claim would be covered and directed him to file his claim on-line, which he did.

My review does show that coverage was properly declined. I regret we will be unable to reverse our decision in this particular situation.

Sincerely,

Review: Travel insurance was purchased for a friend and our intended gestational surrogate to come to CO for a visit. Her daughter ended up getting the flu and she coulnd't make it. She's a single mother so there was nobody else to take care of her daughter, so she had to cancel her trip. A claim was filed. Now Allianz is not honoring the claim because no doctor was consulted. This is a single mother, with no health insurance, who's child had the flu. Who takes their kid to the doctor for the flu, with or without health insurance?Desired Settlement: I'd like them to refund me for the cost of the ticket as they should, for which this travel insurance was purchsed. $550 give or take was the total cost.

Business

Response:

Dear [redacted]:

As a one-time consideration we have chosen to issue payment to the insured. She should receive her check in the next 3-5 business days.

Sincerely,

[redacted], Manager, Regulatory Claims, USA