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Allianz Global Assistance Reviews (448)

Review: Allianz Global Assistance car insurance is offered online with [redacted]. I bought their insurance as I made a car rental reservation for a vacation in the Dominican Republic. At the car pick up site, a [redacted] booth within an airport, I was told that Allianz Global insurance is not valid with [redacted]. I had to buy additional car rental insurance from [redacted]. I am upset that I was sold a product by Allianz Global Assistance that was worthless. The two business should not sell their products together online, on the same web page as if they will work together.Desired Settlement: I would like a refund of $108 from Allianz Global Assistance.

Business

Response:

Dear [redacted]:

Thank you for forwarding this matter to my attention.

I am sorry for [redacted] experience.

I can assure her that, contrary to the rental agency’s statements to her, the coverage she purchased from us was valid and would have responded had she damaged her rental vehicle.

Employees of rental agencies are incented to sell their own insurance product and on occasion will advise consumers that our product is not valid.

We will gladly refund [redacted] premium. She only needs to contact our Sales Support Department and provide them with a copy of the rental agreement which shows that she purchased the insurance through the agency.

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

Sincerely,

Review: I filed a complaint with Allianz Global Assistance on Feb 1st, and uploaded all of the required documentation for the claim on Feb 4th it is now March 11, I have called to check on the status since the 10 day "window" that they claim it will take almost daily to inquire as to the status of the claim and if there is further documentation needed. While the reps are pleasant it doesn't give me any hope of getting my money back. I was supposed to travel with my 81 yr old mother and my 10 yr old daughter we were flying to Miami and going on the long awaited vacation on the [redacted]...unfortunately the morning of our flight I awoke extremely ill dizzy and vomiting and simply could not travel. I went to the dr's and had the forms filled out etc. 24 hours later both my daughter and mother came down with the same illness and were very ill as well. I'm sure that [redacted] would not have wanted us on the boat!The [redacted] rep felt positive that I would get a prompt refund from the travel insurance company as they use them all the time but to call [redacted] back if I didn't get my refund they would put the $$ towards another trip. I can't book another trip unless I get the $$ back...It is very frustrating to be told to "call back in 4 more days, oh 48 more hours then today another 48 hours" I need to get my $$ it is CLEAR that I was ill and I promptly sent in all documentation as required to do so. Very disappointing to just be given the run aroundDesired Settlement: I am asking for a full refund of the travel amount so that I can travel again.Reservation #: [redacted] Cruise Itinerary: 5 Night Cruise departing from Miami Guest Name: [redacted] Ship: [redacted] Date: 02-Feb-2014 Debark Date: 07-Feb-2014 Fare/Payment Information Today's Date: 01-Feb-2014 Vacation Price: $2,458.05 Money Received: $2,458.05200.00 received back from [redacted] (taxes)would like to get the 2455.00 back

Business

Response:

[redacted]:

Thank you for bringing this matter to my attention.

Our records indicate that the consumers claim was paid on 03/12/2014.

If the consumer would like specific information regarding the refund, she may contact our Claim Department at [redacted].

Thank you,

Claims Escalation Analyst

Allianz Global Assistance

Review: I purchased trip insurance from this company for a vacation to celebrate our 25th wedding anniversary in France, believing that a local company would be most efficient. Unfortunately, my husband became ill and died suddenly 2 months before our trip. I completed all the forms required for my insurance claim with this company. They harassed me with letters listing what information was reportedly missing from my claim. I called my travel agent to assist with compliance and tried again to submit my claim. Allianz did not reimburse me the amount that was owed based on my complaint I received 600$ of the $2200. that I was owed. I contacted the company and after waiting on hold for 15 minutes they stated that they did indeed have all the correct claim information and they were very sorry for the error. I was told that the full reimbursement would be sent to me directly. This was at least 3 weeks ago. I did not receive any communication or reimbursement and thus contacted the company again today to find out the status of my claim . I was again placed on hold for a significant amount of time and told they were "checking to make sure they had all the information." I was asked to continue waiting on hold or they would call me back "in a few minutes" . They claimed they were very busy today. I have now been waiting falmost an hour and have not received a return call from the company. This is unacceptable business practice.Desired Settlement: I expect to be paid the full amount that I am entitled to under the claim contract with the company. Given the circumstances, I should not have to beg and plead for what I am rightfully owed by the company. They are trying to get out of paying by dragging their feet, and hoping that in my current state of grief and confusion I will forget they owe me money.

Business

Response:

Dear [redacted]:

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

Our records indicate that there was documentation that was requested from the consumer’s travel agent that we hadn’t received and needed in order to determine the amount of liability for the claim.

Our records indicate that at this time the consumers claim has been resolved.

Sincerely,

Claims Escalation Analyst

www.allianzassistance.com

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

The company was not honest in its review of the complaint. I was told that the company had ALL the necessary documentation to settle my case and they apologized for any convenience caused by the delay due to their oversight and a check would be sent to settle the case. I did not receive the check and after waiting over 3 weeks I called the company and was put on hold for over 15 min while they "tried to figure out the status of the claim". I was then told that they needed ADDITIONAL documentation from the travel agency and would get back to me briefly. Needless to say they did not get back to me and when I called the following the day they again wanted to place me on hold. I refused to do so and told them to have a supervisor call me back. The case was resolved because I would not take no for an answer and screamed a lot. I have since received my settlement but the company was dishonorable throughout the entire ordeal. I would NEVER recommend that the company not be used but anyone.

Regards,

Review: Allianz has refused to cover bills for a medical emergency due to travel, although a CSR initially promised they would. I was in a scooter accident on my honeymoon in [redacted] on 10/17/13. It was minor, but due to the trauma and the long plane ride home, I landed back in the US on 11/2/13 with deep venous thrombosis (blood clots) in my left leg. I was seen at an urgent care center and sent immediately to the ER. An ultrasound of my femoral artery showed clots in my left thigh, calf, and a cluster behind my knee. An X-ray showed a foreign body suspended in my calf muscle as well. After being treated with [redacted] for the clots and put on bed rest for swelling I called Allianz to ask what I should do with the bills. The customer service rep. was pleasant and advised me to pay for everything and send them all bills and receipts, along with the filled out paperwork (which he put in the mail and I received the following week), and they would take care of everything. He wished me a speedy recovery and I hung up the phone feeling positive about the experience. Between the urgent care center, emergency room visit, ultrasound of my veins, blood work, hematologist visits, surgeon visits, prescriptions, etc., I had paid $2774.43 worth of medical bills, on top of a period of time in which I could not return to work (I am a bartender and must be on my feet for hours). I was thankful to have purchased Allianz travel insurance, just for these types of situations. About a week after I had sent a package of bills and paperwork to Allianz, I received a letter saying that they were not going to cover my expenses because they were incurred after I had returned from our trip, not during. I called (reasonably upset) and told the rep. that I had been advised that all of my bills would be taken care of because my medical emergency was due to travel. The rep. handed me off to a supervisor who promised to pull that call and, if the initial rep. had indeed said that Allianz would cover the expenses then they would have to honor his statement. Either way, he said, he or another supervisor would call me when they had pulled the call. A week went by with no phone call. The following week I received another letter in the mail stating that Allianz would not cover my expenses because the expenses had to be "medically necessary" (untreated, the clots could've moved to my heart, lungs or brain causing a pulmonary embolism, stroke, and possibly death) and be incurred during a trip, which they specified as a destination "over 100 miles from your home". When my leg swelled up like a watermelon on the plane, what should I have done? Told them to turn around and land on foreign soil so I could have my treatment covered? Ridiculous! I landed in my home state and was treated there. My medical emergency did happen while I was on my trip, but I don't think I should be penalized merely because I had no option but to be treated once the plane arrived home. I called Allianz one more time to ask why I was not given the promised return call and to ask if my call had ever been pulled. The rep. I spoke with was very patient and kind, and he tried to transfer my call to that supervisor (who was, coincidentally, not at his desk at the moment), but ultimately he could do nothing for me either. Before our honeymoon, my husband was against me purchasing travel insurance because he believed it to be a giant scam (he's a bit of a cynic). I purchased it anyway because we were both without health insurance at the time and we're adventurous travelers. If something were to happen to us on the other side of the world, I wanted to feel that we would be taken care of. I guess he was right. They were happy to take the money from us but dug in their heels so as to not pay anything back. I am still curious as to whether my initial call was ever pulled, and why a company would want to screw over travelers like my husband and I. We aren't going to stop traveling any time soon and, had they taken cDesired Settlement: I would like Allianz to pay what the initial customer service rep. promised they would, a refund of the total of my medical expenses due to deep venous thrombosis (DVT) from combination of trauma from the scooter accident and long plane ride home. Because the DVT happened on the flight home, I COULD NOT be treated abroad. I had no choice but to wait until the plane landed. The total of my expenses was $2774.43. Allianz has returned all of my bills and receipts to me, and I would be happy to shar

Business

Response:

Dear [redacted],

Thank you for bringing this matter to my attention.

We have reviewed the phone call in which the consumer called in to report her loss after the coverage ended. Our agent listened to the consumer and offered to send her a claim form and advised of all documentation needed to process the claim. The agent did not promise that the expenses would be covered and nor was he advised of when the expenses were incurred.

During the phone call, the consumer did indicate that the loss occurred on the flight home which was during the coverage period. During the review of the claim, it was determined that medical treatment was incurred within 100 miles of the consumer’s home. A trip was defined 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.

While the initial review of the claim was correct, we have agreed to issue a one-time consideration payment for any expenses incurred on the day of the emergency and only while the policy was in effect (10/31/2013). If the consumer has any bills that fall under this criterion she may send them in for review and payment.

Sincerely,

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.

As my medical emergency was incurred on the return flight from my trip, I was unable to receive treatment until the plane had landed. Due to traveling through time zones (and an unfortunate 24 hour layover in [redacted] due to our booking agent's error), by the time the plane had landed it was after the date our travel insurance ended. The associated bills, beginning with the urgent care and emergency room visits, were the first of our expenses and I could physically not have been seen there earlier because I was in the air. I purchased Allianz Travel Insurance for assurance that any unforseen travel expenses would be covered. The customer service representative I first talked with about this was very assuring that I would be taken care of. If he did not explicitly promise to cover my expenses, he certainly lead me to feel confident that they would be. Because my deep venous thrombosis was CAUSED BY TRAVEL, I would think that they would do the honorable thing and, as a travel insurance company, cover the associated bills. I hate to lump insurance companies together, but I feel like at every turn insurance companies are trying to take your money with the promise that they'll be there when you need them, only to run for the hills when the call for help is made. I understand their stipulations for what a "trip" is outlined as, but due to the circumstances of my medical emergency, I would hope they would make an exception. When and where I incurred my medical bills was unavoidable.

Review: I purchased travel insurance from Allianz for our flight and trip to France. We had delayed baggage delivery, almost 72 hours after our flight landed. We filed a report, and have documentation of the flight time, and baggage delivery time. On the declarations page of the Letter of Confirmation, it states that our plan includes "Baggage Coverage". In reading the details of the policy, a section is titled "Your Baggage is Lost, Stolen, or Delayed", and goes on to describe when it applies and what it covers. There are no other baggage sections. It would seem to me that if one would have "Baggage Coverage", it would apply to the Baggage section in general, not necessarily only certain parts of baggage coverage. But this is not what Allianz is telling me after they denied my claim. They state that "Baggage Coverage" does not include delayed baggage. I don't see how, after reading the policy multiple times, that one would not assume that "Baggage Coverage" should include coverage in everything in the baggage section. There is no mention of delayed baggage not being covered. There were no options to purchase a policy to include delayed baggage. There is no hint that "Baggage Coverage" is intended to cover only a few of the situations described in "Your Baggage is Lost, Stolen, or Delayed". If "Baggage Coverage" is supposed to be more specific, it should be titled/described as such. If "Baggage Coverage" does not includ delayed baggage, that should be indicated in writing somewhere in the policy.Desired Settlement: I should be given the full $300 benefit as described in the policy. Our expense to cover 3 days worth of essentials exceeded that amount. Also, the underwriters should change the written policy or declaration if delayed baggage coverage is intended to be separate from other baggage issues.

Business

Response:

Dear [redacted]:

Thank you for forwarding this matter to my attention.

Like any other type of insurance, our products have terms, conditions, and limitations that impact coverage.

The consumer is correct that there is a general heading, which we indicate in the contract is for “convenience only” indicating:

Your baggage is lost, damaged, stolen or delayed

Delayed baggage Your baggage is delayed by a common carrier

Lost, damaged or stolen baggage Your baggage is lost, damaged or stolen

Please note that there are two distinct benefits contained under the overall caption of “baggage”; coverage for delayed baggage and coverage for lost, damaged or stolen baggage.

Unfortunately, Mr. Ebener did not have a delayed baggage benefit on his insuring agreement.

However, we have chosen to make a one-time consideration payment in this matter to the policy limit of $300.00. The consumer should receive that check in the next 3-5 business days.

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

Sincerely,

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

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.

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!

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

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 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: 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: 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: 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: 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: 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: 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 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,

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.

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Description: Insurance Companies, Insurance Services, Insurance Agencies and Brokerages (NAICS: 524210)

Address: 9950 Mayland Drive, Henrico, Virginia, United States, 23233

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