Lakeland Properties And Management Inc

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 following was sent to the consumer in June 2016. "We have completed our review of your claim....

 Based on the claim documents you submitted and your policy coverage, we are unfortunately unable to issue payment for the full amount of your claim.  Please see details below: Amount Claimed:  $3,683.60Amount Paid:        $260.40 Reason: •This payment is to reimburse you the additional transportation expenses you incurred.  We are unable to reimburse the original, used portion of your flights and cruise." We are unable to reimburse for the used portions of the flight and cruise as the benefit reimburses for the unused pre-paid trip portions. As the consumers trip was interrupted, we would only reimburse for the portion that wasn't used and wasn't refundable by the travel suppliers. At this time, we are unable to issue reimbursement with the current documentation on file. We can consider additional expenses upon receipt of proof of payment for additional meals, additional transportation expenses, additional hotels, and/or unused, prepaid trip expenses. Sincerely, Kalinda H[redacted]

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.
 
In order to effectively adjudicate a claim, we require a completed Physician Statement form for all medical claims to ensure that the condition is covered under the policy. Without this document, we are unable to process the claim.
 
Sincerely,
 
[redacted]
Claims Escalation Analyst
[redacted]
www.allianzassistance.com

Dear Ms. [redacted],
 
Thank you for bringing this matter to my attention. We apologize for...

any frustration the claims process may have caused the consumer.  
Due to inconsistencies in the claim(s) that  were filed, a more thorough investigation of the claim(s) is being done and it is still under review. A review can take at least 30 days and once the review is completed the consumer will be updated. Regrettably, we don’t have a more favorable decision for the consumer at this time.
 
For up to date information, the Claim Department may be contacted at 800-334-7525.
Thank you,
 
Kalinda H[redacted]
Claims Escalation Examiner, USA

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 received additional medical documentation on April 14 which has allowed us to proceed with...

the finalization of the claim.
 
The consumer should expect reimbursement within the next 5 to 7 business days at the address on file.
 
 
Thank you,
 
[redacted]
Claims Escalation Analyst
Allianz Global Assistance

[redacted]
Please have the consumer provide a policy or claim number so that we may review her concerns.
Thank you,
[redacted]

Dear [redacted]:
Thank you for forwarding this matter to my attention.
 
Our insurance, like any other insurance had a 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 on the date of purchase.
 
Specifically included in those terms were the following:
 
Please make sure you read this Letter of Confirmation, your enclosed Certificate of
Insurance/Policy, and any other attached documents, including riders or other
forms carefully. Because the Certificate of Insurance/Policy may describe coverage
not included in your plan, be sure to look at all of the documents to understand your
specific coverage. Contact us immediately if you think there is a mistake in your
Letter of Confirmation. 
We were not able to provide coverage for the consumers loss because the consumer did not have the benefit that would have covered the loss. The consumer filed a claim for loss or stolen baggage however the insured only had baggage delay coverage.
 
My review reflects that the proper decision was made. At this time we are unable to overturn the denial of the claim.
 
Sincerely,
 
[redacted]
Claims Escalation Analyst
[redacted]

Dear Ms. [redacted]:
 
size="3">Thank you for forwarding this matter to my attention. We apologize for any frustration the claims process may have caused.
To address the consumers concerns, the insurance is offered in the booking path and with that offer there is additional information. It states in that section that terms and conditions apply and there are limitations. There is also a link to review the insuring agreement prior to purchase.
 
The same insuring agreement is then emailed to the consumer along with a 10 day satisfaction guarantee period in which the premium can be refunded in 10 days if the terms do not meet the consumer’s needs.
 
I am sorry to hear that we were unable to assist the insured at this time.
 
Sincerely,
 
Kalinda H[redacted]
Claims Escalation Analyst
 9950 Mayland Drive
Richmond, Virginia 23233
www.allianzassistance.com

Dear Ms. [redacted]:Thank you for forwarding this matter to my attention. We apologize for any frustration the claims process may have caused you.Our insurance programs are like any other type of insurance in that there are terms, conditions, and exclusions that impact coverage....

These terms were readily available in the booking path prior to purchase and also emailed to you. We show no error in that submission. The policy also included a 10 day satisfaction guarantee period which enables you to look over the policy and decide if it will meet your needs. If not, a request can be made for the full refund of the premium within that 10 day period.Upon review of all of the named perils that are listed in your insuring agreement, unfortunately, being required to work is not included.I regret that we are unable to provide the consumer with a more favorable response.  Sincerely,[redacted]Quality AnalystClaims Quality Assurance9950 Mayland DriveRichmond, VA 23233www.allianzassistance.com

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. These terms were readily available in the booking path...

prior to purchase and also emailed to the email address provided at the time of purchase.
 
The consumers insuring agreement included a named perils certificate. Specifically excluded from coverage was any loss arising directly or indirectly from an existing medical condition.  These were defined as:
 
                An illness or injury that you, a traveling companion or family
                member were seeking or receiving treatment for or had symptoms of on
                the day you purchased your plan, or at any time in the 120 days before
                you purchased it.
                You, a traveling companion or family member are considered to have
                an existing medical condition if you, a traveling companion or
                family member:
                · saw or were advised to see a doctor;
                · had symptoms that would cause a prudent person to see a doctor;or
                · 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 documentation on file, the consumer’s Physician has indicated that symptoms for the condition that caused the loss began on 12/12/2013. The consumer’s insuring agreement was purchased on 01/08/2014, which means that the condition that caused the loss began during the 120 day exclusionary period and was thus excluded from coverage.
 
My review does show that the proper decision was made in this matter.
 
Sincerely,
 
[redacted]
Claims Escalation Analyst
[redacted]

Dear Ms. [redacted],Thank you for forwarding this matter to my attention. We apologize for any frustration the claims process may have caused you.Our insurance programs are like any other type of insurance in that there are terms, conditions, and exclusions that impact coverage. These...

terms were readily available in the booking path prior to purchase and also emailed to you upon purchase. We show no error in that submission. The policy also included a 10 day satisfaction guarantee period which enables you to look over the policy and decide if it will meet your needs. If not, a request can be made for the full refund of the premium. With that being said, coverage does extend to family members of your traveling companion. We would require a copy of your companion's trip invoice to verify you were traveling together as you are the only person listed on the policy with us. If the illness or death falls within the scope of your coverage we would reimburse you for the cost of your airline ticket. I apologize for any confusion our agent may have caused you and encourage you to file a claim so our Claims Department can review your file.You may file your claim online at www.allianztravelinsurance.com or call us at [redacted] to obtain a claim form.Siincerely,[redacted]Quality AnalystClaims Quality Assurance9950 Mayland DriveRichmond, VA 23233www.allianzassistance.com

Dear [redacted]:
 
Thank you for bringing this matter to my attention. I apologize for any frustration the consumer may have experienced.
 
I have reviewed the policy. Currently we do not have a claim on file. As the consumer has purchased a policy with our...

company, if there is a covered loss under the insuring agreement, we will honor the policy they have with us.  Our agents cannot guarantee coverage over the phone as we would need to review the documentation to be sure coverage applies.
 
I have requested to have Trip Interruption claim forms mailed and emailed to the consumer. A claim has been generated as well. Our Claims Department will be more than happy to review the documentation and assist the consumer in any way we can.
 
If there are additional questions, the consumer can contact the Claim Department at [redacted].
 
Thank you,
 
[redacted]
Claims Escalation Analyst
Allianz Global Assistance

Dear [redacted]:
 
Thank you for forwarding this matter to my attention. We apologize for any frustration the claims process may have caused the consumer.
 
Our insurance records indicate that consumer sent in documentation to the Claim Department for review and...

the event was a covered loss. At this time, the claim has been resolved as of 10/22, the same date as the complaint.
 
Sincerely,
 
[redacted]
Claims Escalation Analyst
[redacted]

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 a birth that was
delayed two days. The insuring agreement excluded coverage for any loss
resulting directly or indirectly from normal pregnancy. I regret that we are unable to provide the consumer with a more favorable
response at this time. Sincerely,Kalinda H[redacted]Claims Escalation Analyst

[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.]
Revdex.com:
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,
[redacted]

Dear [redacted]:
 
Thank you for forwarding this matter to my attention. We apologize for any frustration the consumer may have endured.
 
According to the documentation on file, the consumer is claiming only the hotel expense. We have everything we need except...

the credit card statement showing the charge for the hotel. The original purchase was made in Euros. In order to be sure that the insured is reimbursed the exact amount of the charge in USD including any foreign transactions fees, we would need the credit card statement.
 
Sincerely,
 
[redacted]
Claims Escalation Analyst
[redacted]
[redacted]
www.allianzassistance.com

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,
 
[redacted]
Claims Escalation Analyst
[redacted]
www.allianzassistance.com

Dear [redacted]:
 
Thank you for forwarding this matter to my attention.
 
The consumers claim has been reviewed and payment has been issued for the fees the consumer incurred to change the tickets.
 
The consumer may contact the Claim...

Department at [redacted] to obtain an updated status.
 
Sincerely,
 
[redacted]
Claims Escalation Analyst
[redacted]

Revdex.com:
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 called the airline, and because they did not provide compensation for the baggage issue, they could not send a letter.  I informed Allianze of this, and I recommend they accept my email stating this as notification that there was no compensation from the airline.  I would like to receive a refund as this event occurred over three months ago and has not been resolved to any degree of satisfaction.
Regards,
[redacted]

Allianz is trying to scam my mom and I out of our airline fares for a tour that was canceled by a tour operator. When I first called to file a claim, I was told by an Allianz rep that trip cancellation was a covered reason. I filled out the forms according to the rep's instructions and the she said the claim would be reviewed within 8-10 business days and our reimbursement checks would follow. A month later we received a letter saying that our claim was denied! I called Allianz and another rep said that trip cancellation was not a covered reason. What?!? I asked to speak to a supervisor and was eventually transferred to a woman who sounded understanding. She said she would have to review the first call recording to hear where the rep told me that trip cancellation is a covered reason. She said it would take 2 days to get IT to pull the audio file to hear the recording and that she would get back to me then. It has been 2 weeks now and she hasn't returned my calls to find out status. [redacted] and the public need to know that Allianz insurance is trying to take advantage of their own paying customers and scam people out of legitimate claims.

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. These terms were readily available in the...

booking path prior to purchase and also emailed to the consumer on 05/08/2014 at 6:53PM EDT. 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 agent was correct in that the insuring agreement did not provide coverage for the consumer’s loss. The consumer opted not to file a claim.
 
I regret that we were unable to provide the consumer with a more favorable response. The consumer may still contact the Customer Service Department to inquire about a refund of the premium.
 
Sincerely,
 
[redacted]
Claims Escalation Analyst
9950 Mayland Drive
Richmond, Virginia 23233
www.allianzassistance.com