Lakeland Properties And Management Inc

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.
The policy number is [redacted]
Regards,
[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.  These terms were mailed to the consumer along with a 10 day satisfaction guarantee period.
/>
Specifically excluded from coverage was any loss arising directly or indirectly from a mental or nervous health disorders. To be sure that we adjudicate these claims as consistently as possible, we use the [redacted] (DSM IV).
As the cause of loss listed was included as a mental or nervous health disorder, I regret that we were unable to provide coverage for the consumer’s loss.
My review indicates that the proper decision was made.
Thank you,
[redacted]
Allianz Global Assistance

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 excluded from coverage was any loss arising directly or...

indirectly from an existing medical condition unless the consumer was eligible for the waiver. In order for the waiver to be applied, the following criteria had to have been met:
 
§  Must be US resident
§  Must be medically able to travel on purchase date
§  Trip cost cannot exceed $5,000 per person
§  Must purchase insurance within 14 days of trip deposit
 
According to the documentation on file, the consumer purchased her airline tickets on 01/11/2014 for travel dates of 03/17 – 03/30/2014 and the insurance was not purchased until 03/16/2014. As the insurance was not purchased within 14 days of the trip deposit, all losses due to existing medical conditions were excluded.
 
The insurance program defined an existing medical condition as “any illness occurring during the 120 days prior to and including the effective date of Your insurance for which a person was seeking diagnosis or treatment, or for which symptoms exist which would cause a prudent person to seek diagnosis, care or treatment.” The consumer’s effective date of insurance was 03/17/2014.
According to the claim documentation, the consumer was seen for the condition on the effective date of insurance, and due to this reason, we regret that we are unable to provide coverage for the loss.
 
Thank you,
 
[redacted]
Claims Escalation Analyst
Allianz Global Assistance

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,
 
[redacted]
Claims Escalation Analyst
9950 Mayland Drive
Richmond, Virginia 23233
www.allianzassistance.com

This is truly a scam!! They did not honor my claim because the airline flew out the next day without their (Allianz's) own client. [redacted] cancelled my flight and offered me a flight 3 days later, but none sooner. Allianz said my policy states that if the airline flies out within 24 hours of canceling my flight (with or without me) my claim will not be honored. Do not use this service. Fortunately, the airline did refund me for the flight.

Dear [redacted]Our records indicate a refund for the insurance premium was credited to your card on 12/30/14. If you do not see a credit on your next billing cycle please contact us at [redacted]Sincerely,[redacted]
[redacted]
[redacted]...

[redacted]
[redacted]
[redacted]
[redacted]

Do not ever Buy this insurance they are a SCAM! When you buy it you are not told of the over 13 pages of legal ease. You are lead to believe that if you have to cancel an event you are covered when in fact You have to prove that you had an emergency to include a death certificate in order to get a refund. This is a terrible company please never use them.

I can't figure out what they do. I had a flight delay of 3.5 days. I had a paid hotel reservation in Oregon which I could not use because I was stuck in Philadelphia. They said because it was purchased before the cancellation it was not eligible for a coverage. So, even though it was a loss due to the cancellation of a scheduled flight it has nothing to do with them which I am sure is covered in the mile ling gobbelty gook of legaleaze which is carefully designed to free them from just about every shred of responsibility for the service they are pretending to provide.
I had failed to keep careful receipts in the hassle of rearranging my plans, staying with people, scraping together money that sort of thing. I take responsibility for that, there was a lot going on and I wasn't thinking about the details of reimbursement.
I believe this is a typical insurance company on the shadow side of the business. They follow the letter of the law and under exact conditions may or may not compensate their customers as they promise . This company at it's heart is a legal shell game, a scam providing mostly psychological security. They promise total trip security and protection against the unforeseen but I imagine it is next to impossible to get them to honor their agreement under nearly every condition because their business is not insurance: it is convincing the customer that all will be well, no matter what happens but when something happens nothing goes well with them at all.
Avoid them tell everyone you know to avoid them do not buy this service. it will not take care of you and cost you more in headaches and hassle trying to get 60 bucks out of them than just buying it all again.

Dear Ms. [redacted],
Thank you for directing this matter to my attention. We apologize for any frustration the claims process may have caused the consumer. I have reviewed the claim and it shows that the claim was originally finalized in October for payment and a check...

was sent out to the address on file. Anytime a check is resent, an email is automatically generated advising the consumer of the payment that is on the way. Our records indicate that a third check was sent to the consumer along with a tracking number from [redacted] instead of regular mail. The consumer should have received that payment by now. As the consumer did not purchase insurance for the other trip, we would not be able to honor any request for payment for losses on that trip.
Best regards,
Kalinda H[redacted]Claims Escalation Examiner
 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.
[Provide details of why you are not satisfied with this resolution.]
Regards,[redacted]

Dear Ms. [redacted],
Thank you for bringing this matter to my attention. We apologize for any frustration this process may have caused the consumer.
Our records indicate that the check was resent to the consumer along with a tracking number. The consumer should have...

received the check by now. Best regards,
Kalinda H[redacted]
Claims Escalation Examiner

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.Dear [redacted], 
Thank you for the timely manner in which you tried to handle my complaint against Allianz Global Assistance. Their response is no different from what I expected and what I've already been told by them. More than personal financial gain, my strongest desire is that you take a look at their policy writing strategy and their business practice. You can clearly see an example in what they copied from their own policy as their response to me. I fail to see how the letter from [redacted] does NOT support my claim for reimbursement (letter is below) but continue to marvel at their deceptive, twisted policy writing. I have wasted considerable time and stress over  this and if nothing else, I plan to continue to spread the word not to use Allianz. As the Revdex.com I would ask that you inform your member that they are NOT living up to the standards for which the Revdex.com is recognized. Their policy can not say one thing while their letter of confirmation says another and the two parts equal the whole (or should I say hole). The policy needs to reflect the truth and what one can expect. One portion can not cancel out the other. Travel insurance is expensive.  I urge you to spend a few minutes reading these complaints.  [redacted]THIS IS FROM [redacted]:March 20, 2014
To Whom It May Concern,
[redacted] and [redacted] from confirmation [redacted] were scheduled to fly on [redacted] Flight #[redacted] on Saturday January 04, 2014 departing [redacted] ([redacted]) at 12.07 p.m. and arriving [redacted] ([redacted]) at 02.59 p.m.
Due to inclement weather in our route path, their flight was cancelled and the earliest available date we could accommodate them on was Wednesday January 08, 2014 on Flight #[redacted] departing [redacted] at 7.35 p.m. and arriving [redacted] at 10.29 p.m.
For any further details please contact our Reservations Team at [redacted] ([redacted]).
Thank you for choosing [redacted]. We look forward to a smoother flight experience in the near future.
Regards,
[redacted]
Customer Commitment Crew
[redacted], I am NOT satisfied by the outcome but had little hope for anything else. I think Allianz is committing fraud and it is not in my nature to sit by and watch or be the brunt of it.
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.First, their insurance document says "unless there are unforeseen complications or problems with the pregancy."1. Where is "complication" defined so narrowly in this insurance document? In the very next line of their insurance, they define "physical complication," but they do not limit complications with a pregnancy to physical criteria. "Complication" is NOT listed under their defined term. They seem to define as best fits the convenience of the denial of any given claim.2. What qualifies as a "complication" with a pregnancy, if not a doctor warning you that a trip might result in the death of your unborn child?3. Even if we accept that "complication" is so narrowly defined, it is NOT the only criteria by which our situation is addressed within their insurance policy. It says, "OR PROBLEMS WITH THE PREGNANCY." Are they honestly arguing that a highrisk pregnancy is not an unforeseen problem?
 
Second, on page 6 of my policy, it says, "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."
Our doctor identified two criteria by which she recommended we cancel our trip: past infertility, and a present high-risk pregnancy. This IS a highrisk pregnancy, present tense. This pregnancy is not a pre-existing condition. Our doctor can tell you the exact date when we found out that we were pregnant.
Regards,
[redacted]

Dear [redacted]:
 
Thank you for forwarding this matter to my attention. We apologize for any frustration the consumer may have endured with the claims process.
 
In the event a family member could not accommodate the consumer, the insurance program included the...

following trigger of trip cancellation/interruption coverage:
 
Family or friends can’t accommodate you as planned
Family or friends outside the United States can’t accommodate you as
planned because someone in the household has died or been diagnosed
with a serious illness or injury.
 
 
As the family member who was to accommodate the consumer resides in the United States, and the change in plans was not the result of the passing or medical emergency of someone in the household, trip cancellation/interruption coverage was not triggered. 
 
At this time I regret that we are not able to provide the insured with a more favorable response.
 
Sincerely,
[redacted]

Dear Ms. [redacted]:Thank you for forwarding this matter to my attention.Our insurance, like any other insurance had terms, conditions and exclusions that impact the coverage. These terms were readily available in the booking path prior to purchase and also emailed to the consumer....

The certificate of insurance guide sent to the insured indicated the following:Please make sure you read these documents carefully. This certificate may describe coverageyour plan doesn’t include. Make sure you review carefully your letter of confirmation. Contact usimmediately if you don’t receive your letter of confirmation or if you think there is a mistake.The letter of confirmation listed Baggage coverage and not baggage delay coverage. The information on file indicates the baggage was delayed. As the consumers loss did not evoke the coverage of the plan, we are unable to overturn the denial of the claim. Sincerely,[redacted]
[redacted]
[redacted]
[redacted]
[redacted]

Dear [redacted]:
 
Thank you for forwarding this matter to my attention. We apologize for any frustration the consumer may have endured.
 
I have listened to the phone call and during that phone call the consumer advised that he wanted to cancel the travel...

program and the reservation. The agent had the consumer confirm that he wanted to cancel the policy and confirmed the last four digits of the policy number. The consumer agreed. The agent advised that once the policy has been canceled a claim can not be filed and the consumer indicated he understood. The consumer was advised that the credit in the amount of $8.00 will be refunded by to the card.
 
The consumer then wanted to know who to talk to for the remaining amount and was then transferred to [redacted].
 
At this time I regret that we are unable to provide the consumer with a more favorable response.
 
Sincerely,
 
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]

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 05/13/2014 at 2:15PM  EST. 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 consumers loss. The consumer canceled the policy during the 10 day satisfaction guarantee period and the premium has been refunded. As the policy has been canceled, the consumer is not eligible for a claim of reimbursement for the airline ticket.
 
 
Sincerely,
 
[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. Our records indicate that we have not received the actual event tickets as requested which is why the claim still isn’t finalized.  The consumer needs to mail in the event tickets...

that were sent to her.  Sincerely, [redacted]Claims Escalation Analyst9950 Mayland DriveRichmond, Virginia 23233www.allianzassistance.com

Dear [redacted]:
 
Thank you for forwarding this matter to my attention. We apologize for any frustration the cancelation process may have caused the consumer.
 
We have located the consumer’s policy and documentation that was sent in for review.
/>
The document is a screenshot of the consumer’s information from the rental agency but it did not state that the consumer was denied or did not rent the vehicle.
 
In order to process the request, the consumer would need to send in supporting documentation to the Customer Service department in order to have the policy canceled. This may be an email from the rental agency or a letter on [redacted] company letterhead.
 
If the consumer has any additional questions he may contact the Customer Service department at[redacted] or via telephone at [redacted].
 
Sincerely,
 
[redacted]
Claims Escalation Analyst
[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.
 
Currently the consumers claim is pending, it has not been denied. 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