Lakeland Properties And Management Inc

I had increasing pain and was not able to complete my travels. At time of purchase, I had no pain. I purchased insurance and expect a full refund.
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[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.
 
According to the consumers claim documentation, the cause of loss was due to an event that fell under the benefit of Travel Delay. The Travel Delay benefit provides reimbursement for additional accommodations and transportation expenses you incur while you are delayed. It does not provide reimbursement for pre-paid expenses. Pre-paid expenses are covered under the Trip Cancelation and Trip Interruption benefit. As the loss did not meet the terms of those benefits, we processed the claim under the appropriate benefit of Travel Delay.
 
The consumer claimed expenses that were pre-paid; therefore, we were not able to honor the claim.
 
At this time I regret that we are unable to provide the consumer with a more favorable response.
 
Sincerely,
 
[redacted]
Claims Escalation Analyst
[redacted]
[redacted]
www.allianzassistance.com

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.
It took them a month from when my claim was approved to get a check from ** to **, which was the reason for missing the event in the first place.  Furthermore, I was told I would receive a call back from supervisor Hope I[redacted], with a tracking number the Monday following my call.  That never happened.  Instead, I received an email from her with the tracking number, weeks later, AFTER I received the check.  Allianz was in no hurry to rectify this issue, even after I explained my husband received military orders and we were moving to **.  The customer service I received, and the frustration I had to go through, not to mention all of the time I wasted on calls and emails, all while packing to move, is uncalled for.  
I am asking that Allianz refund me the fee I paid them in the beginning, a fee of $19.61.  I paid them to handle a service, and they failed.
Regards,
[redacted]

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.

Revdex.com:
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 reject that a company can sell a policy that has no value.  The airline covers the exact same situations with full refund or trip credit.  It is outrageous that their website can sell one thing and the fine print negate it.  This company should reverse their advertising, and make this crystal clear when someone purchases it, or stop selling this product which is useless and nonrefundable!  Shame on you!
Regards,
[redacted]

Dear Ms. [redacted],Thank you for forwarding this issue to my attention. According to our records, the consumer purchased event tickets on July 26, 2015 on the [redacted] website.  Our insurance premium was charged to his credit card at the time of purchase. Our...

insurance offering on the [redacted] website is not an "opt out" process. In order to purchase insurance the consumer must click the "yes" box. If no box is chosen, insurance will not be purchased. Our records indicate that the insurance premium was refunded on August 26, 2015. The consumer may want to follow up with the credit card company for any other further questions regarding the reimbursement. Thank you,[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 
There was a fatality on the expressway and both lanes were shut down in each direction. The tickets price they were not used. What other document ion is there? They want something, I cannot provide. 
 
This company is pure fraud
Regards,
[redacted]

Dear [redacted]
 
Thank you for forwarding this matter to my attention. I apologize for any frustration the claims process may have caused the consumer.
 
The claim has been reviewed and the consumer has now been reimbursed for the medical expenses. The consumer...

may want to contact the Claim Department for more information regarding the claim.
 
The consumer should allow 5 to 7 business days to receive the check in the mail.
 
 
Sincerely,
 
[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. 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 consumers insuring agreement excluded coverage for normal pregnancy unless there are unforeseen physical complications of the pregnancy itself.  The insurance did not provide coverage for risk of complications. As the pregnancy itself was normal, we were unable to provide coverage for the loss.
 
I regret that we are unable to provide the consumer with a more favorable response at this time.
 
Sincerely,
 
[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. 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 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.
 
Sincerely,
 
[redacted]
Claims Escalation Analyst
[redacted]
www.allianzassistance.com

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].
Thank you so very much for resolving this issue.  Allianz seemed to have found all my documents on 11/09/2016.  This is after several weeks of calls trying to resolve this issue.
Thank you again for your help.
Sincerely,
[redacted]

Dear Ms. [redacted]:
 
size="3">Thank you for forwarding this matter to my attention. I apologize for any frustration the claims process has caused the consumer.
 
Our records indicate that the consumer has been contacted and advised that the claim has been paid.
 
Please allow 5 to 7 business days to receive the check in the mail.
Sincerely,
 
Kalinda H[redacted]

I bought an airline ticket from [redacted] has Allianz right there on their website recommending that you insure the cost of your ticket with Allianz. I cannot believe a reputable airline would recommend this company. It has taken months and I have not even had my claim reviewed yet. I sent everything they asked for, receipt and doctor's statement, which they said they did not get but I had the email where I sent it. So I sent it again and they are still jerking me around. Good luck getting them on the phone and if you do, you will get a new claims examiner who say they have to start all over. Go on the website and it says your claim is being reviewed. [redacted].

Dear [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 their concerns.
 
Sincerely,
 
[redacted]...

[redacted]

Revdex.com:
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 find Aliianz's explanation for denying my claim weak at best, and a farce at worst. Bottom line is that I purchased an airline ticket for a flight that I was intending to take the very next day; and at the same time that I purchased the ticket, I bought travel insurance to cover myself for the few hours between the time of my ticket purchase and the time of my flight. If Allianz's travel insurance policies do NOT in fact take effect from the moment that they are purchased and paid for, then Allianz should make their customers & prospective customers aware of this fact BEFORE buy/pay for a policy. As for me, had I known about this delay in having my travel insurance take effect, I would NOT have purchased the policy at all...because I was intending to fly the very next day and the policy would have been essentially useless to me. So, as a rule and requirement, in the absence of apprising Allianz policy purchasers that their policy would not take effect immediately after purchase - AND MAKING US AWARE OF THIS FACT PRIOR TO THE TIME OF POLICY PURCHASE - Allianz MUST change their policy and make their policies effective from the moment that a customer purchases a travel insurance policy. In today's world, where customers can purchase their travel in real-time (i.e. buy now and travel within a few hours), it is INCUMBENT on companies like Allianz to make their customers (and prospective customers) aware of ALL the important facts, features, AND LIMITATIONS before an individual buys their product. Simply sending an email/communication AFTER the purchase is categorically insufficient.I intend to pursue my case to WHATEVER LENGTHS THAT I NEED TO in order to get a fair and reasonable result and outcome. If that means that I have to file a case with the [redacted], and/or the court of law, then I am fully prepared to do that.
Regards,[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 records indicate that consumer sent in documentation to the Appeal Department for...

review and sent in records to indicate that the condition was a covered loss. At this time, the claim has been resolved.
Sincerely,
 
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]

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.
 
Upon review of the consumer’s claims, one of her policies...

included Travel Delay coverage, whereas the other policy that was purchased only included Trip Cancelation and Interruption coverage.
 
Trip Cancelation/Interruption coverage provided the following benefit:
 
Natural disasters or bad weather resulting in the complete
cessation of services by the airline, the tour operator or
the cruise line for at least 24 consecutive hours.
 
This means that the airline shut down all services on the consumer’s route for at least 24 consecutive hours. The flight records indicated that this was not the case. 
We were able to assist the consumer with the claim that included the Travel Delay benefit as this provided the following benefit:
 
Coverage under the plan will pay on a one-time basis up to
the maximum amount listed in Your Letter of Confirmation
for: a) reasonable, additional accommodation and traveling
expenses; and b) the unused part of Your prepaid
expenses missed (less any Refunds You receive) due to a
departure delay of 6 or more hours. Expenses must be
incurred by You. Payments for the above expenses will not
exceed $[redacted] per day per person.
 
Covered reasons for Travel Delay are:
1.     Carrier caused delay (including bad weather);
 
The maximum listed in the consumer’s letter of confirmation was $[redacted] per person; therefore, the consumer has been reimbursed the maximum allowed amount under this claim.
My review indicates that the proper decision was made on both claims.
 
Thank you,
 
[redacted]
Claims Escalation Analyst

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 terms required that an exam be performed by a licensed physician within 72 hours of cancelation.
 
According to the consumer this was not done.
Due to this, I regret that we would be unable to honor the consumers claim.
 
Sincerely,
 
[redacted]
Claims Escalation Analyst
[redacted]
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 the consumer. Our insurance records indicate that the claim was paid in full on 4/27/16. If the consumer has not received the check,...

they may contact the Customer Service Department at [redacted] to request a stop payment on the check and reissue.

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]
Firstly,When you buy the tickets on line you're SOLD the opportunity to INSURE the cost of the flight. There are no list of reasons for cancellations given to the buyer.  It is sold as "Flight Insurance" in case you must cancel the flight. This is a scam and takes advantage of people who do not fly very often.
My wife and I booked the flight for the sole purpose of attending our daughter's wedding. When that event was cancelled we had no reason to fly to [redacted]. I bought the insurance in case of a hurricane or a change in date due to unforeseen circumstances. I never imagined the groom would back out.  For this company not to pay off is very despicable.
 
[redacted]