Allianz Global Assistance

Review: I rented a car through [redacted] and added $9.00/day insurance from Allianz for property damage. When I went to [redacted] (the company selected through [redacted]), they did not have a car available. I had to take my own car which was not up to the trip. I contacted Allianz IMMEDIATELY when I returned home from out of town (the next day), and asked them not to process the payment inasmuch as the car was not available and there was no rental. Their response is that I was "too late." I couldn't get a refund. Their policy clearly states that it is refundable if notified "before the trip starts." Since I NEVER rented a car, there was no trip to start. I complied with their terms and now they are refusing to refund the amount even though NO rental was ever made.

This is fraud and it is an unlawful use of my credit card. I used a company credit card, and now I am in jeopardy with my company, and this amount, if required to be paid, will come out of my pocket. This is a scam. The person I got the email from is "[redacted] I." They don't even use their full names. The two emails (mine to them and their response) are attached if I am allowed to attach documents.Desired Settlement: Immediate refund and a negative Revdex.com rating or complaint status. Thank you so very much.

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.

The consumer contacted the Customer Service Department after the travel dates on the policy had past; therefore, the agent was correct in advising that the request should have been made at the time the car could not be rented.

We are going to go ahead and issue a refund of the $18.00 premium as a one-time consideration to the consumer.

Sincerely,

Claims Escalation Analyst

www.allianzassistance.com

Review: Hi,I faced the below issue with [redacted] and Allianz global assistance I booked a hotel through [redacted] website (on may 19th 2014) along with allianz global assistance policy ..in which policy shows that if you are laid-off/and other reasons they will refund full lodging money if we cancel in advance This is regarding to Global alliance travel policy no [redacted] I called to one of your representative on the same day which I booked(may 19th 2014) to cancel my hotel booking ($157.71 for hotel + $8.00 for hotel protection policy) and also to get full refund, since I got laid-off from the company, the Representative informed me that he cancelled my policylater on I received email saying that I got refunded only for $ 8.00 (actually I booked hotel + policy for $ 165.71) which states that they cancelled only policy and not the hotel lodging and then I got fed up and I called global assistance again and he said nothing can be done from their end ..... allianz is saying that since they cancelled the policy , they can't give refund of full amount , so I was forced to check with [redacted] ... and [redacted] says as per his policy no refund at all for any reason ...later on I was calling both allianz and [redacted] for almost 2-3 hours and nothing turn out ..[redacted] is pointing allianz and allianz is pointing [redacted] ... but these guys are doing business togetherand one of your Representative from allianz told me to inquiry with hot-wire ...now [redacted] is asking me to check with global assistance ,since they can't refund my money pl let me know thanksDesired Settlement: Hi,I faced the below issue with [redacted] and Allianz global assistance I booked a hotel through [redacted] website (on may 19th 2014) along with allianz global assistance policy ..in which policy shows that if you are laid-off/and other reasons they will refund full lodging money if we cancel in advance This is regarding to Global alliance travel policy no [redacted] I called to one of your representative on the same day which I booked(may 19th 2014) to cancel my hotel booking ($157.71 for hotel + $8.00 for hotel protection policy) and also to get full refund, since I got laid-off from the company, the Representative informed me that he cancelled my policylater on I received email saying that I got refunded only for $ 8.00 (actually I booked hotel + policy for $ 165.71) which states that they cancelled only policy and not the hotel lodging and then I got fed up and I called global assistance again and he said nothing can be done from their end ..... allianz is saying that since they cancell

Business

Response:

Dear [redacted]:

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

I have listened to the phone call and during that phone call the consumer advised that he wanted to cancel the travel program and the reservation. The agent had the consumer confirm that he wanted to cancel the policy and confirmed the last four digits of the policy number. The consumer agreed. The agent advised that once the policy has been canceled a claim can not be filed and the consumer indicated he understood. The consumer was advised that the credit in the amount of $8.00 will be refunded by to the card.

The consumer then wanted to know who to talk to for the remaining amount and was then transferred to [redacted].

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

Sincerely,

Review: I had so many issues with this company. There customer service was horrible, their website wasn't clear when I needed to file a travel insurance claim, I was given false information when I called the company about filing the online claim, they stopped processing my claim without telling me for no reason and when they finally did process the claim they used every loop hole possible to not pay me the amount that was appropriate.Desired Settlement: They need to better educate their employees so they are giving factual information and processing claims correctly the first time. Their insurance policies should be much more clearly stated. As they are now, they are very misleading to the consumer. I would never purchase travel insurance from them again because I would always be concerned about how they are going to get out of paying me back for the money that I am entitled too. The overall process of working with the company was exhausting and frustrating and I felt completely taken advantage of.

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.

Our claim review process is 7-10 business days after all documentation has been received.

According to the information on file, the consumer’s loss was covered under the Travel Delay benefit and this benefit had a daily limit for each day of delay.

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

Sincerely,

Claims Escalation Analyst

www.allianzassistance.com

Review: I bought travel insurance when I booked my trip through [redacted]. While on the trip I didn't feel well and went home one day early. I called [redacted] to cancel the one night of hotel that I would not be using. [redacted] transferred me to Allianz. Allianz told me that I would need to go to the doctor and provide them with proof of the visit. I objected and told them that just because I don't feel well doesn't mean I need to go to the doctor. The proceeded to send me pages of claims forms just to get simple refund for one night's hotel stay. It is ridiculous that I should have to incur time and expense of seeing a doctor just to get a refund of a hotel stay for which I bought travel insurance. To me that would be an abuse of my medical insurance and just plain frivolous.Desired Settlement: Just give me a refund of my one night hotel stay for which I bought insurance and stop giving me the runaround!

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. The policy also included a 10 day satisfaction guarantee period which enables consumers to look over the policy and decide if it will meet their needs. If not, a request can be made for the full refund of the premium.

Upon review of the insuring agreement, the consumer was required to have a medical exam performed by a licensed physician within 72 hours of the cancelation or interruption of their trip. As this was not done, we would be unable to move forward with the consumers claim.

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

Sincerely,

Claims Escalation Analyst

www.allianzassistance.com

Review: I bought tickets for the [redacted] Concert in Sacramento Ca. for 12/4. On the fourth I got sick with the stomach flu and could not make the concert. I did not see a Dr. for the illness but stayed home.Desired Settlement: Just refund the money I payed less the insurance fee.

Business

Response:

Dear Ms. [redacted] Thank you for forwarding this matter to my attention. We apologize for any frustration the claims process may have caused the consumer. The consumers insuring agreement required that an exam be performed by a licensed physician within 72 hours of cancelation in order for Trip Cancelation for medical reasons to apply. Our records indicate that an exam was not performed. As the loss did not meet the terms of the insuring agreement, we were unable to honor the claim for payment. I regret that we are unable to provide a more favorable response at this time. Sincerely, Kalinda H[redacted]Claims Escalation Analyst 9950 Mayland Drive Richmond, Virginia 23233 www.allianzassistance.com

Review: I cancelled my travel insurance within the time line. They sent me a letter stating my account has be credited back the amount. This was 12-21-2015. As of 2-29-2016 the money has not been put back in. since the letter I have called 4 times to try to get the money and they say they will contact me when they find the problem. Three months later still have not received a call from them. I have to keep calling with the same results. NOTHING.Desired Settlement: Just send me my money. Cash, good check, or put it back in my account just as long as it is done.

Business

Response:

Dear Ms. [redacted]:Thank you for forwarding this matter to my attention. I apologize for any frustration the consumer has endured.The updated information on the account from finance on March 1st indicated that the insured was refunded back to his [redacted] card. If the consumer still has not received the refund, he is encouraged to call and request to speak to management. Sincerely,Kalinda H[redacted]Claims Escalation Examiner 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 money has not been put back. It was not an [redacted] card and I have asked to speak to managment and I am not allowed to. I have asked to speak to billing and they will not. I have turned the matter over to my bank ( which the money came from). They credited my account but it didn't come from Alianz. My bank is disputing the charges but still haven't heard back from Alianz

Regards,

My experience from opening my claim to when I was reimbursed was very,very positive. I submitted all of paperwork via fax and was reimbursed within 3 weeks. I will definitely use Allianz again for other trips!

I've purchased several trip insurance policies with Allianz and never needed to use them. Finally, I did file a claim as I needed to cancel a trip due to medical reasons, a qualified reason that is listed within the acceptable claims portion of the contract. After taking about two months to process my claim, they decided not to reimburse me for my airfare for a reason that literally made me laugh out loud. At least I have a credit voucher with the airline, however I feel like all of the money I've spent over the years on these insurance policies were a complete waste. Poor customer service, deceitful policies, complete waste of my time and money.

Review: To Whom It May Concern:I am writing this letter in order to bring to your attention my frustration and unsatisfactory feelings about travel insurance company Allianz Global Assistance [redacted].After several months of back and forth communication with several representatives of this company and a Senior Claim Examiner [redacted], and after providing all the necessary documentations in order to prove the reason of cancellation of my trip, my travel insurance claim was dismissed.I find this way of conducting a business unsatisfactory, unprofessional and unethical because the reason of my claim involved the death of the mother of my travel companion.Due to high unpredictability of health state of my travel companions mother (late stage of ovarian cancer), and sudden change on her condition, we had to cancel our priory scheduled trip to visit her in November 2013. I purchased my travel insurance on September 14, 2013, but my travel companion had to urgently travel to Russia on September, 26 to take care of her mother due to sudden worsening conditioning of her health (she became bedridden, and passed away in February,2014). I believe that denying my claim to be reimbursed for our canceled tickets is unreasonable and unethical because I had provided all medical documentations necessary, including a death certificate.Please take your time to look at my complain, because the very reason we had bought this travel insurance, like other people would do, is to be covered for unpredictable life situations like the one me and my travel companion had to face.Desired Settlement: We would like to be refunded of the cost of our flight tickets.

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.

We have reviewed the consumers claim in depth and have overturned the denial.

The consumers should allow 5 to 7 business days to receive the reimbursement.

Thank you,

Claims Escalation Analyst

Allianz Global Assistance

Consumer

Response:

The

Ms. [redacted],

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 purchased a package flight and hotel from [redacted]. com for my husband and his sister to fly across the country to see their mother in **. My husband has ** so when I proceeded to [redacted] checkout, they offer insurance for medical issues or interrupted travel plans. It seems wise to buy the insurance. I did so in good faith that they would honor a medical issue. We had to cancel the trip because my husband was experiencing exhaustion and extreme weakness. (typical episodes with **). We filled out all forms and sent in a note from his Dr. that knows how these episodes affect my husband and agreed that he should not travel. Allianz refused to honor our policy because he didn't physically see the dr. the day of cancellation.Desired Settlement: I would like them to honor the policy, because it is the right and honorable thing to do.

Business

Response:

Dear [redacted]Thank you for bringing this matter to my attention.

Our insurance, like any other insurance had terms, conditions and exclusions that impact coverage. Specifically included in those terms were the following:

A doctor must examine you or a traveling companion and advise you or a traveling companion to cancel or interrupt your trip before you cancel or interrupt it.

If that isn’t possible, a doctor must examine you within 72 hours of your cancellation or interruption.

According to the documentation on file, a physical examine did not take place prior to the interruption of the trip. Due to this we were unable to provide coverage for the consumer’s loss.

Sincerely,

Allianz Global Assistance

Consumer

Response:

I understand that they required a doctors examination. It seems only fair that they should make this clear on the web site where they advertise coverage for medical issues. Another issue that is hidden deep in the policy is that it can't be something that has occured in the last six or nine months. This stipulation rules out anyone with a chronic illness. I believe that this too, should be made clear up front; after all who else would be most likely need coverage for medical reasons? If consumers are to be protected from slight of hand, cons, greedy businesses and just immoral business practices, I believe that consumers should speak out to protect other unsuspecting, if even naive, consumers.

Disappointed,

Review: Purchased airline tickets through [redacted] who offered this travel insurance. We were traveling for my husband to have surgery. The surgery was cancelled as a result of him being too sick right before and upon filing the claim were informed that because the travel for FOR SURGERY they did not cover it. Upon purchasing this insurance there was nowhere where it stated that if the flight was for medical reasons they would not cover the cancellation and reimburse. Only AFTER were we informed about this. Contacted [redacted] who only offers their service and does not handle customer service for Allianz. Actually you do not even get the whole policy until you purchase it and therefore I believe it is FALSE ADVERTISING and therefore leads people to BELIEVE they have coverage when in fact they do not.Desired Settlement: I wish to have Allianz Global Assistance reimburse us for those plane tickets as promised originally when purchased as Travel Insurance. I do not mind paying for the insurance, I just want them to hold up their end of the bargain as stated upon purchasing.

Business

Response:

Dear [redacted]:

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

Our insurance, like any other insurance, had terms, conditions and exclusions that impact coverage. These terms were readily available for review prior to the purchase in the booking path and also emailed to the consumer. We show no error in that submission. The policy also came with a 10 day satisfaction guarantee period in which the consumer could have canceled after review of the terms if he/she felt as though the policy did not meet their needs.

The insuring agreement provided coverage for trips taken by the consumer. Trip was defined in the consumer’s agreement as: Round-trip or one-way travel to and from a place at least 100 miles from your home. It can’t include travel to receive health care or medical treatment of any kind, or commuting to and from work.

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.

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.

Basically, contacting you only served to continue this horrible experience!! Basically they can say whatever they want and of course I read the entire HUGE booklet emailed and read every line to confirm that I had "trip insurance" which I purchased. (I am totally joking) they MISLEAD you into thinking you are purchasing insurance and if your trip is cancelled you get it reimbursed. On the website it does not say ANYTHING about medical reasons, that you get after purchasing and reading an entire huge booklet which I can guarantee you no one reads because they believe they got something as stated on the website. Either way, I have no recourse and this has been a learning experience to NEVER use [redacted] again as a website as they do not stand behind their vendors and to NEVER purchase trip insurance again!!

Regards,

Review: I purchased a travel insurance plan from this company when it was called Access America back in 2010 for $130. This was for the Basics Plan. The date of purchase was 10/1/10. I was suppose to travel to Sydney, Australia to see the rock group, Bon Jovi, perform in concert. I didn't go because my cousin passed away, prior to the trip. The travel dates were 12/14/10 to 12/19/10. The trip was through [redacted] in New York and the package was for $1,974. That isn't including the airline tickets. I had flights on [redacted] and [redacted] for a total of $1,879. Total expenses, $3,853. I never did receive a penny back from either company when I canceled this trip. My claim was denied in October of 2010. I tried to get the $1,974 portion of the trip from [redacted] but received nothing. I really never did understand why. What is the purpose of having travel insurance, if you can't get your money back when you cancel the trip because of that reason. I also suffer from anxiety and depression and was taking [redacted] and [redacted] during that time. I really think that I was cheated out of a lot of money. Also, had to purchase a passport to travel. I have been trying for years to recover the funds. I filed a complaint about [redacted] in the passed. The trip was listed on the [redacted] website. I contacted them too, and didn't accomplish anything.Desired Settlement: Would really like my $3,853 back. A minimum of $130, because I feel that this company did absolutely nothing for me. I paid for a service that I never did receive.

Business

Response:

Dear Ms. [redacted]:

Thank you for forwarding this matter to my attention.

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

In particular, the coverage provided reimbursement for the death of a family member. Family member was defined in the insuring agreement and unfortunately a cousin was not included in that definition.

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

Sincerely,

Claims Escalation Analyst

9950 Mayland Drive

Richmond, Virginia 23233

www.allianzassistance.com

Review: I extended a trip to take care of my son who was recovering from chemotherapy treatments. I had purchased trip protection in case I needed to extend.

I purchased trip protection in case I would need to extend a trip to take care of my son recovering from chemotherapy treatments. I did need to extend as his side effects made him to ill to drive or manage on his own. When I extended my trip $450 charge I was told my Allianz this would be covered. However they wanted documentation from my son's doctor stating his treatment. I do not accept they need this kind of private information. I filled out all of the other documents they requested and a letter of explanation and they denied the claim. The trip protection should cover the issue of me extending for family reason, period.Desired Settlement: Reimbursement for the flight extension only of $434.70 which is what the trip protection should cover.

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.

Our insurance programs are like any other type of insurance in that there are terms, conditions, and exclusions that impact coverage. These terms were readily available in the booking path prior to purchase and also emailed to the consumer. The policy also included a 10 day satisfaction guarantee period which enables consumers to look over the policy and decide if it will meet their needs. If not, a request can be made for the full refund of the premium.

The consumers insuring agreement excluded coverage for any loss resulting directly or indirectly from an existing medical condition. These were defined as:

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

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

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

you purchased it.

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

an existing medical condition if you, a traveling companion or

family member:

· saw or were advised to see a doctor

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

· were taking prescribed medication for the condition or the

symptoms, unless the condition or symptoms are effectively

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

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

At this time, my review indicates that we are unable to provide coverage for the consumer's loss and I regret that we are unable to provide the consumer with a more favorable response. The consumer should receive a letter confirming the decision within the next 5 to 7 business days.

Sincerely,

Claims Escalation Analyst

9950 Mayland Drive

Richmond, Virginia 23233

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 can't believe they do not stand behind their insurance product. I was taking care of my Son going through Chemotherapy treatments that started October 27, 2013 and completed December 23, 2013. The treatments did not even span 90 days nor was this requested 90 days after the process. I submitted my request for reimbursement per the terms of the insurance by January 10, 2014. How they cannot see that taking care of a loved one does not comply with their terms is absolutely absurd. Also it should not be required that my son's doctor provide personal and confidential patient information. I was taking care of my Son, period end of story.

Both of the following reasons apply which is part of their insurance coverage, supposedly.

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:

I would hope that you can see the issue here and be able to get them to see the issue as well for reimbursement. If there is additional information you require please advise. However I am not satisfied with their response and still seek full reimbursement.

Regards,

Review: My Dad was not able to travel and this insurance company was trying to find way not pay the 3000.00 woth of tikets saying he does not qulify because he had that condition before and trying to discredit the doctor saying he did not put correct information that is way they are denieng clain. This is redicules he went to the doctor on August 5 the doctor sad he cant travel on August 11 because of his problemes in his leges and this Insurance company trying to find a way to not pay out. If theBusiness Burea want help I will file a law Sute for a Million Dollars in Damages.Desired Settlement: I would Like Allanz to pay what they suppose to on the claim $3000 that is it. He could not Travel all the documents where provided.

Business

Response:

Dear [redacted]:

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

Our insurance programs are like any other type of insurance in that there are terms, conditions, and exclusions that impact coverage. These terms were readily available in the booking path prior to purchase and also emailed to the consumer. The policy also included a 10 day satisfaction guarantee period which enables consumers to look over the policy and decide if it will meet their needs. If not, a request can be made for the full refund of the premium.

The consumers insuring agreement excluded coverage for any loss resulting directly or indirectly from an existing medical condition. These were defined as:

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

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

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

you purchased it.

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

an existing medical condition if you, a traveling companion or

family member:

· saw or were advised to see a doctor

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

· were taking prescribed medication for the condition or the

symptoms, unless the condition or symptoms are effectively

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

According to the medical documentation on file, the condition that caused the consumer’s loss was excluded from coverage as the condition was symptomatic during the 120 day exclusionary period and the doctor has indicated that the insured was not medically able to travel when the insurance was purchased.

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

Sincerely,

Claims Escalation Analyst

www.allianzassistance.com

Consumer

Response:

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

There was no offer provided just a response this company are bunch of crooks.

They

Regards,

Review: I purchased travel insurance like I do for all mytravel plans. Unfortunately due to medical reason, my doctor recommend I post poned my trip. I called into Allianz Global Assistance one week later to file my claim which was in May. I provided all of the proper documentation that was asked from me. I went back and forth on the phone with several reps for 4 months. All of them telling different steps I needed to take. Conclusion, after providing all my documentation with my medical excuses, my claim was denied. I think that was a bad way of handling business and I would not recommend anyone or will I ever use them for my traveling needs again. I never had to file a claim before and with this being my first experience, I will never purchase through AGA again.Desired Settlement: The money was not the issue. It was just the principal of someone so willingly to take your payment for insurance if need to be utilize, the process was not at all easy and not fair.

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.

According to the claim documentation, the consumer used a gift card to purchase the ticket and was refunded by the airline in the same manner. As a loss was not incurred, we were unable to honor the claim.

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

Sincerely,

Claims Escalation Analyst

www.allianzassistance.com

Review: My wife bought me plane tickets out to Maine. She opted in to the insurance program when it specifically states we can cancel or changes float with out paying the fee. It did not mention that they only will only reimburse you for specific reasons.

They did not state these reason when it was purchased nor in the email explaining.

I was spoke to [redacted] employee ID [redacted], would not offer me a refund. I told him what the product "sales pitch was." He then stated there was all these disclaimers in a package. I never received that package nor an email.

For a company to promote travel insurance that non hassle cancelation or changes to flight than to deny when I need to make changes is ridiculous.

They used deception to gain 30 dollars. When I need to use it they would not let me.Desired Settlement: I want a full refund for the tickets I purchased. Plus the cancelation fee covered.

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. 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. The policy also included a 10 day satisfaction guarantee period which enables consumers to look over the policy and decide if it will meet their needs. If not, a request can be made for the full refund of the premium. The consumer has filed a claim for medical reasons; however we have not received the required documentation to process the claim. Until that time, we would be unable to finalize our review. The consumer may contact the Claim Department at [redacted] to obtain more information on the claim process. Sincerely, [redacted]

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 issue is this company did not mention anything about limitation and 10 day grace period in any of their promotional advertisements more any of the emails I received. The company did not notify me about any terms and conditions to make matters worse I had [redacted] be extremely rude to me. I tired to forward whom ever this added issue.[redacted]Refused to help me when I asked.He kept interrupting me, speaking over me, he would ask a question then he refused jot allow me to answer. He belittle me by stating I was rude for interrupting him after he would ask a question then kept talking. He started an insurance claim that was not authorized, (on the audio recording). he tried to bully me stating after I said all I want is a full refund due to the company false advertisement. He did state that an email was sent to spam which gets deleted. He then sent me other unauthorized emails. I did not authorize creating a claim and the claim forms was sent. I did not authorize any emails to be sent and they were still sent. My issue revolves around the bases that the company in the advertisement and the itinerary email (the only/original email I received) did not mention any of these terms, conditions, grace period, or future emails I needed to read.Because of false advertisement, and lack of bring everything to my attention

Regards,

Review: You buy the insurance for your tickets because they are so far from the date than when you need to use it you have to jump through hoops. This insurance should be called accident or death insurance because that's all it covers. Misleading to buyers and total waste of consumers money. People please don't buy it. It's a gimmick to get money out of people who prepare for bad or unforeseen situations. I had a baby that was in the NICU and still having some issues so I don't feel comfortable leaving the baby home now I have to go have his pediatrician fill out paperwork to get my money back. When you buy airplane tickets you get your money or exchange without hassle when you pay for the service.Desired Settlement: Refund

Business

Response:

[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 her concerns.

Thank you,

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.

It was alot of work to get my money back. Hassle and even at the end they have the right to deny it so we gave our 300. Tickets away. Will never buy this protection package again as I feel scammed like so many others did after looking it up. My husband and I are advising everyone we no to not buy into this. You should have so many days to return without hassle if within two weeks maybe than require paperwork. My personal business is none of yours. I tried returning with almost two months notice. Many negative stuff about your company on the internet.

Regards,

Review: To whom this may concern

My name is [redacted],

July 29, 2015, I purchased a ticket from [redacted] with travel insurance from a provider on their website called Allianz. I was supposed to be departing from Cleveland ,OH to New York, NY, September 07, 2015 and returning September 18th, 2015. This ticket was purchased on my Visa [redacted] card for $253.00 round trip.

August 29th, I was notified that my grandfather had cancer and that it had progressed all over his body, I called the airline September 1st, 2015 to change my departure date from September 07, 2015 to September 10, 2015 so that I could spend the holiday with my family. For changing the ticket I incurred a $200 cancellation fee and $352 fee for the price of a new ticket.I placed the $552 balance on my discover card which the representative told me would be covered by the insurance. Had I not been lead to believe that I was following the protocol for a successful claim I'd have just purchased a new ticket bypassing the $200 cancellation fee.

Due to the nature of my grandfather's illness he was no longer able to receive effective treatment, he was then placed in a long term care facility/hospice. My grandfather passed November 5th, 2015, unfortunately there was no doctor on site to provide a physical. I was then told by a representative at Allianz that an obituary or certificate of death would be suffice to finish my claim. I submitted an obituary and a statement from his social worker stating the ailments from which he'd died, later another representative told me that they had still needed a physical form completed and that by my grandfather being deceased my claim would continue to go unfilled.Desired Settlement: I would like my claim to be processed by Allianz so the the $552 I'd spent on the new ticket may be returned.

Business

Response:

Dear Ms. [redacted]:Thank you for forwarding this matter to my attention. We apologize for any frustration the claims process may have caused the consumer. The consumers insuring agreement required that an exam be performed by a licensed physician within 72 hours of cancelation in order for Trip Cancelation for medical reasons to apply. To this date, we have not received the physician’s statement form. The claim is pending for that documentation. We were unable to use the death certificate because the death occurred after the insured travel dates, thus the cause of loss was not the passing away of a family member, but the illness of one. To be sure that we can provide coverage for the illness, the form is needed in order to proceed. The consumer may contact the Claim Department at 80-334-7525 for any additional questions. . Sincerely,Kalinda [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.

[I notified the insurance company and let them know that he was being moved to a hospice care center since there was no other form of treatment that could be rendered. I also made them aware that there were no doctors on site to immediately sign thephysicians form. I had his socialworker send over paper work that was dated as far as the day he was diagnosed with his illness and assignment to a long term care facility. Forgive me for being hesitant to call in but each time I've called I was given the wrong information or told we would not be able to reach a resolution which is why I had to contact the Revdex.com. I would like to come to some form of a solution. At this point I would either like to know how we can move forward as far as having the facility furnish a physical or if I can refile the claimas a nonmedical cancellation andbe refunded any amount of money. I feel like I purchased insurance and seeing how I had to cancel my trip there should be some form of reimbursement.

Regards,

Review: I had purchased insurance from allianz for a pair of concert tickets on 10/24/15. On the the night of the concert , 12/09/15, my son came down with a stomach virus and I was not able to attend the concert. When I called allianz to inquire about a claim, I was told to fill out all the necessary paper work. Since my son was sick with a virus I did not take him to the doctors. The virus came on about 7pm that evening and by morning he was ok. I explained this to the representative and he assured me that it was not an issue , to continue with the claim and that I would get reimbursed for the price of the tickets. A few weeks later I received an email stating that I need a doctors note. When I called the claims department I spoke with a young woman named Tiffany. She had told me that I was given the wrong information, that I needed a doctors note. When I expressed my disappointment of being dragged out throughout this process, she continued to express to me that whenever a child is sick that they should immediately be taken to the doctors and that she couldn't believe that I wouldn't do such a thing for my child. Not only did I pay for a service that was misrepresented to me, I had to endure being lectured by an employee who is not in a position to do such. It was extremely unprofessional and uncalled for. I am extremely disappointed with lack of customer service and the misrepresentation from this company.Desired Settlement: I am looking to be awarded $116.00, the amount of my loss on 12/09/15, I purchased the insurance to cover these costs in case of an emergency or unexpected event. If this is not possible then I am looking for a refund of $20.97, the amount it cost me to purchase the insurance.

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. I have requested to have the phone call reviewed in which the consumer called to advise of the cancelation. Once received I will update the complaint. Sincerely, Kalinda [redacted]Claims Escalation Analyst 9950 Mayland Drive Richmond, Virginia 23233 www.allianzassistance.com

Purchased airline ticket to California and included travel insurance. I had a breakdown one week before travel and called to cancel. When my paperwork was reviewed, Allianz denied the claim because the problem was mental and they said, "mental conditions are not covered." They also said read my contract but I had no contract because I purchased and paid along with my airline ticket and received nothing in the mail from Allianz. This company has a narrow definition of reasons for cancellation that can be reimbursed. The advertising is deceptive and it is not worth paying $30 or more when there is a greater chance you would not get your money back if something happened. Think more than once before using them.