Lakeland Properties And Management Inc

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.
Currently, the consumers claim is pending for a completed Physician Statement form and proof of payment for the event tickets.  Our records indicate that we have reached out to the insured and advised of this documentation that was needed to finalize the claim. Currently, we do not have the documentation on file.  Without this documentation we are unable to complete our review of the consumers claim.
Sincerely,
 
[redacted]
Claims Escalation Analyst
Allianz Global Assistance

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 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 up to $150.00 per person, per day.
 
According to the documentation on file, the consumer incurred a one day delay due to an airline discrepancy. This event triggered coverage under the Travel Delay benefit for the delay on 12/29/15. The consumer then changed the return flight as a personal decision but a delay by the airline did not cause their return flight to be delayed. The charges resulting from the decision to change the return flight to one day later would not be covered. Due to this reason, the claim was reimbursed $300.00.
 
At this time I regret that we are unable to provide the consumer with a more favorable response.
 
Sincerely,
 
Kalinda H[redacted]
Claims Escalation Analyst
9950 Mayland Drive Richmond, Virginia 23233www.allianzassistance.com

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 Examiner
9950 Mayland Drive
Richmond, Virginia 23233
www.allianzassistance.com

Dear Ms. [redacted]:

face="Times New Roman" size="3"> Thank you for forwarding this matter to my attention. I apologize for any frustration the claims process may have caused.
Our insurance, like any other insurance, had terms, conditions and exclusions that impact coverage. Specifically included in the terms were the following:

We will cover up to a
maximum amount of $500 for any and all jewelry, watches,
gems, furs, cameras, and camera equipment, camcorders,
sporting equipment, computers, radios and other electronic
items and only when original receipts are provided.

As original receipts were not provided, we were not able to extend coverage to the electronics.

I regret that we are unable to provide a more favorable response at this time.

Sincerely,

Kalinda H[redacted]

[redacted]

Dear [redacted],
Thank you for bringing this matter to my attention.
Our records indicate that there were two checks submitted on the consumers claim. One for $[redacted] and the other for $[redacted]. The consumer was actually reimbursed for a larger amount than was claimed...

due to the conversion on the receipts and since there were two people insured on the policy, a check went out to each person as described above.
Sincerely,
[redacted]
Claims Escalation Analyst
Allianz Global Assistance

Dear Ms. Smith,
Thank you for bringing this matter to my attention. Our records indicate that the consumer was notified on October 29th that the Finance Department has completed their review and the additional charge in error was refunded. As the consumer requested a...

cancelation of the policy, all charges have been refunded. Thank you,
[redacted]
*

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.
Upon review of the claim, the consumers claim has been pending for the original e-ticket itinerary. Our records indicate that we have requested this documentation twice. We have received the new itinerary with the changed flight. We are unable to proceed with the claim without verification of the original insured trip.  We have not requested additional medical documentation as the current information on file for the condition will suffice.
Sincerely,
 
[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 have submitted all documents they ask for.]
Regards,
[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.
Once again, Allianz Assistance is diverting the attention to something that is not relevant for the case.I never claimed that I spoke with an agent from ** over the phone to purchase my ticket so please stop saying that I was with an agent over the phone to purchase my tickets. In fact, I was trying to purchase the tickets online and there were NO Tickets issued because ** could not issue any tickets within 24 hours of window, so, ergo Allianz Insurance should have NEVER issued any policy since no tickets were issued.I just don't understand which part Allianz as an Insurance Comapny do not understand and let me break it down for you, Allianz Assistance, NO TICKETS ISSUED THEN NO POLICY SHOULD BE ISSUED!!!Allianz Assistance, STOP WASTING MY TIME AND REFUND ME MY MONEY THAT SHOULDN'T HAVE BEEN TAKEN IN FIRST PLACE !!!
Regards,[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.My hometown is [redacted], [redacted] and that is what was inhabitable due to floods. If you look at the coverage policy, this is what it states under "Environment"Home uninhabitable: Your primary residence is uninhabitable because of a natural disaster, fire, flood, burglary or vandalism.In addition, it should also fall under the below category because all flights to and from [redacted] airport were canceled due to floods. Canceled servicesYour airline, cruise line, or tour operator or travel supplier stops offering all services for at least 24 consecutive hours where you’re departing,arriving or making a connection because of:? a natural disaster; or? severe weather.You can refer to the articles that I have submitted before showing the magnitude of the disaster. In addition, here are some more-[redacted]
[redacted]
Regards,
[redacted]

Dear [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. 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 a full refund of the premium within those 10 days. The insuring agreement excluded coverage for any loss resulting directly or indirectly from an existing medical condition. These are 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.According to the medical documentation on file, the condition that caused your loss is excluded from coverage as the condition was symptomatic during the 120day exclusionary period. Although chemotherapy began after the purchase of the policy, the illness causing the need for chemotherapy is considered "existing."At this time, my review indicates that we are unable to provide coverage for your loss. I regret that we are unable to provide you with a more favorable response.  Sincerely,[redacted]

Dear [redacted]:
 
Thank you for bringing this matter to my attention.  We apologize for any frustration the consumer may have experienced while his case was being researched.
 
Our records indicate that the consumer’s policy was canceled on April...

14, 2014.
The consumer has been advised of the timeframe for the refund.
 
Thank you,
 
[redacted]
Claims Escalation Analyst
Allianz Global Assistance

This company is a total fraud. I was to travel to a state that was declared a state of emergency by the governor of South Carolina. The president of the United States declared the entire state a disaster area! My little claim for flight reimbursement was denied because they do not cover "States of emergency"??? I have talked to the claim representatives and have been told that is not covered. If my flight had been cancelled the airline would have given me a full refund. So basically, this insurance company had zero liability. Take my money and I have no responsibility...is this what we have come to??

Dear [redacted],
Thank you for bringing this matter to my attention.
Please have the consumer provide a claim number so that we may better assist them.
Thank you,
[redacted]
Claims Escalation Analyst
Allianz Global...

Assistance

This company peddles a scam. They DO NOT INSURE TRAVEL PLANS. You have to jump through so many hoops, they just pocket your money and tie you up on hold/transfer/hold/transfer etc. [redacted] (CEO for the past 2 years) has obviously not effected change.

Dear Ms. [redacted]:
 
size="3">Thank you for forwarding this matter to my attention. We apologize for any frustration the consumer may have endured while trying to get the policy canceled. The insurance is offered as an opt in option online and the only way a charge is placed is when the box is selected for the insurance.
 
Our records indicate that the consumer should have received a credit back to the statement by now. If not, the consumer should call and request to speak with a supervisor to report the error.
 
Sincerely,
 
Kalinda H[redacted]
Claims Escalation Analyst
 9950 Mayland Drive
Richmond, Virginia 23233
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 address provided.
 
At this time we do not have sufficient information on file to honor the consumers claim. I encourage the consumer to file an appeal with the Appeal Department and obtain a notarized statement from the mechanic who they indicated inspected their car when it was broke down. The statement should support the consumer’s statement of when the breakdown occurred and when it was inspected by the mechanic.  They may contact the Appeal Department at [email protected] .
 
Sincerely,
 
[redacted]
Claims Escalation Analyst
[redacted]
[redacted]
www.allianzassistance.com

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.  
 
The consumer filed a claim under the Travel Delay...

benefit which provided coverage for:
 
Meals, accommodation and transportation
? Reasonable expenses for additional meals and accommodation
while you’re delayed.
? Reasonable additional transportation expenses.
Special limit:
? Maximum of $[redacted] per person per day, up to the limit shown on your
letter of confirmation.
 
The consumer sent an email indicating that there will be an additional charge of $[redacted] per day for accommodations; however, this was never accompanied by a receipt of payment.  
 
The consumer was sent a letter dated March 21, 2014, which explained that coverage was provided for the meals. In order to consider the lodging expenses, we would need the invoice and proof of payment for the $[redacted], which in itself would max out the allowed amount and allow us to reimburse him in full.
 
As of today, we have not received proof of payment nor an invoice for the lodging expense.
 
At this time, we are not able to issue additional payment until the requested documents are received.
 
Thank you,
 
[redacted]
Claims Escalation Analyst
Allianz Global Assistance

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.> Thank you for providing me the detail list of excluded> purchases.  Yes, indeed there is a HUGE> misunderstanding on your part.  Which items on my> receipt, according to the terms of the Allianz policy, fall> into the tobacco category?  I am resubmitting an> enlarged copy of my receipts for your review.  Unless> [redacted] or [redacted] translate in your> language to any of the Exclusions in Section 3 of Allianz> policy, you've made a point.  Also, for your and other> well versed, fluent in foreign languages employees> information, the [redacted] is a BUSINESS TAX IDENTIFICATION NUMBER> in Dominican Republic.  As everyone, including you can> see the same number appears on both copies. > Now, speaking about publishing on the internet about my> ordeal with your company.  Indeed, if the complaint> will not be resolved by Allianz in a timely manner, I will> publish it on the internet.  Also, I will seek a legal> action against Allianz in the Small Claims Court in the> State of New Jersey.  An Allianz representative would> have to appear in the court, otherwise there will be a> default judgment against company.  Please be advised,> that in addition to the $** currently in dispute, the> judgment against Allianz will also my cover costs and> disbursements, including my attorney's fee.  As you> know, my total claim was for $[redacted], including transactions> for $[redacted] on 11/23/13, $[redacted] on 11/24/12 and $** on> 11/24/13.  I received reimbursement of $[redacted]. > Please do not make false representation to The Bettter> Business Bureau that the $** has been already> reimbursed.  Therefore, I am expecting to be promptly> reimbursed for my travel losses by Allianz. > [redacted].

The way Allianz sells insurance through the airlines is, if not a blatant scam, it is as close to unconscionable marketing as you could devise. I label it a scam.
Allianz doesn't tell the customer what he has bought until they have the premium. money
The “cancel for any reason,” that is part of your promotion is then couched in obscure language about a review period that would not pass the smell test. They, of course, know that.
Rather than send the confirmation notice under it's own name, it sends an email from donotreply.com name, which does not call the customer’s attention to the face that Allianz is keeping the premium unless you find your way through that labyrinth and discover that it is not “for any reason.” My reason is that I have a business conflict, but it doesn't rise to its list of "emergencies."
So, we are stuck. Allianz has the money. I needed to cancel the trip for business reasons, [redacted] holds my $1,167 for the trip and I pay the $400 penalty when I rebook for another trip.
Shame on Allianz and shame on [redacted] for letting them do this under their name.