Lakeland Properties And Management Inc

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[I emailed my luggage damage response from *** dated January 18, 2014]
Regards,
*** ***

Dear Ms***:
size="3">Thank you for forwarding this matter to my attention
Please have the consumer provide a claim or proper policy number so that we may address their concerns
Also, the terms and conditions of the policy were available for review prior to purchase and would have been emailed to the consumerAs with any insurance, a claim would need to be filed and verification of the loss needs to be received to ensure the loss is coveredWe would be unable to assist the consumer unless we have the proper claim documentation
Sincerely,
Kalinda H***
Claims Escalation Analyst
Mayland Drive Richmond, Virginia 23233www.allianzassistance.com

Hi ***,
First and Foremost, please accept my sincere appreciation for your assistance and dedication to public service I received a separate email from the business that my ticket insurance was cancelled and that the funds will be returned to my account I'm most certain that I would not have been able to have accomplished this without your help
In reading the response from Allianz-Global-Assistance to you, it is clear that they will continue in their deceptive ways to obtain funds from unsuspecting customers They clearly pointed out that I should have chosen to "opt out" from purchasing the insurance, clearly indicating that if you don't, you will be charged for the insurance
In my case, as I am sure it is with others, I wasn't even thinking of ticket insurance and therefore admit that I should have looked closer To me it is a deceptive and fraudulent practice Instead of automatically applying ticket insurance, what I think is the better practice is that Allianz-Global-Assistance AND *** should instead have a pop up box asking the customer if they would like to purchase the insurance, instead of automatically charging unsuspecting consumers as I was.
With best Regards,
*** ***

Dear *** ***
Thank you for forwarding this matter to my attentionI apologize for any frustration the claims process may have caused
Our insurance, like any other insurance had terms, conditions and exclusions that impact coverage
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Specifically included in those terms were the following: You or a traveling companion is terminated or laid off from a company after your plan’s effective date
According to the claim documentation, the person who was laid off was not the insured nor a traveling companion of the insured as defined in the insuring agreementCoverage did not apply for a family member being laid off
At this time I regret that we are unable to provide the consumer with a more favorable response
Sincerely,
*** ***
*** *** ***
*** *** ***
*** *** ***
***

Dear Mr***,Thank you for forwarding this matter to my attentionWe apologize for any frustration the claims process may have caused you.I'm not showing that you filed a Baggage claim*** does have an open Baggage claim that was closed per her request on 1/12/I
do show there was a call under your policy on 9/16/where a baggage loss was discussed; however, I do not know the details of that callIn any event, I apologize if you were discouraged from filing a claim to determine whether or not coverage can be extended under your benefits.The policy does state you must file a report giving a description of the property and its value with the appropriate local authorities, common carrier, hotel or tour operator within hours of the lossThis is to ensure we are able to verify your lossGiven the circumstances of your loss we understand this may not have been possibleYou may still file a Baggage claim and ***'s claim is able to be re-openedPlease provide us with a breakdown of the items you are claiming (we have this under ***'s online submission already) along with the cost for each item, receipts if you have them and repair estimates showing the cost to repair your items or a statement of non-repairWe can also accept photographs of the damaged items in this case.You may file your Baggage claim online at www.allianztravelinsurance.com***'s claim number is ***You may e-mail documents for both claims to *** or fax them to ***Should you have further questions please contact our Claims Department directly at 800-334-7525.Sincerely, *** *** ***Claims Quality AssuranceMayland DriveRichmond, VA 23233www.allianzassistance.com

Dear *** ***:
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 insuring agreement included the following
language:
This is a named perils travel insurance policy, which means it covers only the specific situations,
events and losses included in this document, and only under the conditions we describe
Unforuntaley, having to cancel your trip due to a pay decrease was not listed as a named peril
My review indicates that the proper decision was made and I regret that we are unable to overturn the denial at this time
Sincerely,
*** ***
Claims Escalation Analyst
*** *** ***
*** *** ***
***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear belowThe Letter of Confirmation states that I had "Baggage Coverage" as you can see on the *** No where in writing does it state that it is limited to lost baggage coverage The Certificate of Insurance I received states the there is Lost, damaged or stolen baggage coverage and there is delayed baggage coverage Again my policy stated that I had "Baggage Coverage" The bag was lost for three weeks and no where does the policy state what time frame is considered lost or delayed I believe that they are misrepresenting the actual coverage by only stating "Baggage Coverage" on the plan inclusions
Regards,
*** ***

Dear Ms***:
face="Times New Roman">Thank you for forwarding this matter to my attentionWe apologize for any frustration the claims process may have caused
The insurance does not cover for any reason, and is not advertised as suchThe insuring agreement that listed the named perils was readily available for review online prior to purchase and also emailed to the consumerWe show no error in that submission
Our records indicate that the consumer has alerted us on the intent to file a claim; however we have not received any claim documentation to include:
The claim form, the original tickets, proof of payment for the tickets, verification of the incident that caused the loss
He may send these items into the Claim Department for processing which normally takes 7-business days for review
Sincerely,
Kalinda H***
Claims Escalation Analyst
Mayland Drive
Richmond, Virginia www.allianzassistance.com

Dear *** ***Thank you for forwarding this matter to my attentionWe apologize for any frustration the claims process may have caused youGenerally, if the policy dates are moved to a new trip you are unable to also file a claim against the policyBecause you later
purchased a new policy for the new trip dates we will be considering coverage for your claimI apologize this was not done soonerAn examiner should reach out to you todayOtherwise, you may contact the Claims Department at ***Sincerely,*** ***
*** ***
*** *** ***
*** *** ***
*** *** ***
***

Dear *** ***:
Thank you for forwarding this matter to my attention
We are sorry to hear that the consumer has not received the claim documentationI have requested to have another one sent by way of email and U.Smail to the consumer
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If the consumer has any questions regarding the claim process, they may contact our Claim Department at ***
Sincerely,
*** ***
Claims Escalation Analyst
*** *** ***
*** *** ***
***

I don't recommend purchasing Allianz event insurance My experience was extremely negative It was an arduous process that seems difficult only to dissuade people from submitting claims It took me five months to have my claim processed I had to fight numerous decisions where Allianz closed and denied my claim My doctor had to be too involved considering her busy schedule Given what I'm going through medically, I only continued because of the principle Claims shouldn't be this difficult to process if the insured FOLLOWS the rules and provides the necessary medical documentation
I bought an expensive concert ticket and purchased Allianz event insurance due to the ticket cost Several months AFTER purchasing the ticket on *** CONCURRENTLY with the Allianz insurance (which is when *** has you purchase event insurance on their web site), I was diagnosed with cancer
My doctor had to get involved several times and submitted a couple of physician's statements I was told that I KNEW that I had cancer at the time of the purchase of insurance According to Allianz personnel, you are diagnosed with cancer at the time of your mammogram I didn't even have word on the outcome of my mammogram when I purchased the ticket and event insurance I did a timeline of medical procedures and included the date I purchased Allianz insurance I FINALLY was able to get my claim processed after five (5) months

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear belowTO: *** ***
*** ***, Claims Escalation Analyst for Allianz Global Assistance stated in the response to you that "Unfortunately, we were unable to provide coverage for the consumer's loss because making changes to the insured trip itinerary due to weight restrictions imposed prior to the purchase of the trip was not listed as a named peril. These restrictions would have also been known prior to the purchase to the trip."
According to my wife we purchased the trip and trip insurance late in 2012. The trip departure was in Sep and my wife's kidney surgery was not expected and was preformed three weeks prior to the trip departure. The doctor considered a requirement of not allowing my wife to take the trip but since it was our 40th wedding anniversary, he agreed that she could go if she did not lift over pounds and did not stress her healing during travel. Our house burnt down in Feb and we lost all of our records.
I do not agree with Allianz that we knew about the pound weight restriction from the Aug surgery prior to the purchase of the trip in 2012. I have checked with our travel agent (*** ***) and they told me that the records have been sent to their archives. I am requesting the appropriate documentation from the archives and will submit a chronological list that will support our claim that the pound weight restriction was not known prior the purchase of the trip as Allianz states in their response
***, whatever the outcome is with Allianz, we do appreciate your assistance with our disagreement with AllianzFor your information in upon our return of our trip we booked a trip in October of and again purchased trip insurance with Allianz. If I would have know the issues that I am now dealing with we would have picked a different insurance
Thanks again and I will send the additional information in the next couple of weeks
*** and *** ***
*** * *** *** **
*** ** ***
***

Dear *** ***
Thank you for forwarding this matter to my attentionWe 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 coverageThese terms were readily available in the booking path prior to purchase and also emailed to the consumer We show no error in that submissionThe policy also included a day satisfaction guarantee period which enables consumers to look over the policy and decide if it will meet their needsIf not, a request can be made for the full refund of the premium
Upon review of the consumers insuring agreement, unfortunately, the cause of loss was listed as a general program exclusion thus we were unable to honor the consumers claim
I regret that we are unable to provide the consumer with a more favorable response.
Sincerely,
*** ***
*** *** ***
*** *** ***
*** *** ***
***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[Provide details of why you are not satisfied with this resolution.]
I buy the insurance just for in the case I cannot make or continue my trevel they may pay me lossDue to natural disarst, I could not make trevelAccording the the agreement, the insurance campony should pay me the loss, not for refundInstead of paying me loss, they called me said they sent refund request to airline coampanies and the refund work would be processed in business daysWhen I asked for writen documents, they send me email said, the case need more document and turned the claim into 'suspended'They didn't tell me what kind document and who need to provide those documentsThat is: they charge me money but did nothingAll refund work did by meself lateThat is why I ask them give money back to meAlso, it turned out, the airline companies didn't receive or process their requests.
Regards,
*** **

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, 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 day grace period in any of their promotional advertisements more any of the emails I receivedThe company did not notify me about any terms and conditions to make matters worse I had *** *** *** *** be extremely rude to meI tired to forward whom ever this added issue.*** *** *** *** ***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 answerHe belittle me by stating I was rude for interrupting him after he would ask a question then kept talkingHe 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 advertisementHe did state that an email was sent to spam which gets deletedHe then sent me other unauthorized emails. I did not authorize creating a claim and the claim forms was sentI did not authorize any emails to be sent and they were still sentMy 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 advertisement, and lack of bring everything to my attention
Regards,
*** ***

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below[Provide details of why you are not satisfied with this resolution.]
Regards,
*** *** Hello,
Thank you for your response on this Their response did not resolve any of my complaints and continued to cite a limitations policy that is not clearly communicated to customers and essentially makes it impossible to receive compensation for a covered insurance event I would not classify this event as "complaints have been resolved", though I do not know what other options I have
Thank you,
*** ***

Dear Ms***:
size="3">Thank you for forwarding this matter to my attention
Please have the consumer provide a claim or proper policy number so that we may address their concerns
Sincerely,
Kalinda H***
Claims Escalation Analyst
Mayland Drive Richmond, Virginia 23233www.allianzassistance.com

*** *** ***:
Please have the consumer provide his claim number so that we may complete our reviewThank you,
*** ***
*** *** ***
*** *** ***

Dear Ms***
size="3">Thank you for forwarding this matter to my attentionWe 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 hours of cancelation in order for Trip Cancelation for medical reasons to applyOur records indicate that an exam was not performedAs 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***
Claims Escalation Analyst
Mayland Drive Richmond, Virginia 23233www.allianzassistance.com

I have been attempting to receive payment from this company since my initial flight on December 16, To date I not received payment After gathering multiple pieces of documentation, i.eInitial Flight itinerary, changed flight itinerary, bank statements, credit card statements, death certificate, obituary, etcthey have yet to send paymentVia email, on March 27, I was told a check would be sent in 7-daysNo check On April 28, I was told another check would be issued and confirmed my physical address, although I had recieved previous correspondence from them, still no check! On May 22, I was again emailed from *** *** that a check would be sent *** Again, no check I will never again do business with this company and recommend to all family, friends and business associates to do the same Shame on Allianz Global Assistance, such a sub-par company