Lakeland Properties And Management Inc

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 readily available for review prior to the purchase of the insurance and also emailed...

to the email address provided.
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 theconditions we describe.
Unfortunately, travel advisories/warnings were not listed as a named peril in the consumers insuring agreement.
Due to this reason, I regret that we are unable to honor the consumers request for reimbursement.      
Sincerely,
[redacted]
Allianz Global Assistance

Dear [redacted],
Thank you for bringing this matter to my attention.
 
Our insurance is offered for purchased on the [redacted] website. If the consumer did not want to purchase the insurance, the option to opt out would have been the option to choose.
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The consumer also has the option to cancel the insurance plan by calling the Customer Service Department within 10 days of the purchase.  I have forwarded the request to the Customer Service Department to have the policy canceled.  
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, 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. 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.
 
The medical documentation on file indicated that the cause of loss was due to an excluded condition. As the insuring agreement excluded coverage for these conditions, I regret that we are unable to provide the consumer with a more favorable response.  
 
Sincerely,
 
[redacted]

[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.
 
Our insurance programs are like any other type of insurance in that there are terms, conditions, and exclusions that impact coverage.
 
The consumer contacted the...

Customer Service Department after the travel dates on the policy had past; therefore, the agent was correct in advising that the request should have been made at the time the car could not be rented.
 
We are going to go ahead and issue a refund of the $18.00 premium as a one-time consideration to the consumer.
 
Sincerely,
 
[redacted]
Claims Escalation Analyst
[redacted]
[redacted]
www.allianzassistance.com

[redacted]Thank you for forwarding this matter to my attention. We apologize for any frustration the cancelation process may have caused the consumer. The premium is only refundable within 10 days of purchase. This information was included in the confirmation that was sent to...

the consumer.I regret that we are unable to provide a more favorable response at this time. Sincerely,[redacted]Claims Escalation Analyst9950 Mayland DriveRichmond, 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 the consumer.
  I have requested to have the phone call reviewed in which the consumer called to advise of the cancelation. Once received I will update the complaint.
Sincerely,
 
Kalinda [redacted]
Claims Escalation Analyst
9950 Mayland Drive Richmond, Virginia 23233www.allianzassistance.com

[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 have reviewed the consumers claim.
Our insurance, like any other insurance, had specific reasons in which coverage would apply. The insuring agreement provided coverage...

for the following:
 
“The death of a Family Member or a Companion on or within thirty (30) days prior to the event date.”
 
According to the documentation on file, the passing away of a family member occurred after the event date which would not be covered under the policy as this was not the cause of the cancelation of the trip since the family member was ill on the event date.
If the consumer wishes to file a claim due to the illness of the family member, which would have been the cause of the loss, we are sending a physician statement form which the insured may have completed and in return send in to the Claim Department for review.
 
If the consumer has any questions regarding the claim process, they may contact our Claim Department at [redacted].
 
Sincerely,
 
[redacted]
Claims Escalation Analyst
[redacted]
[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 was not offered an offer to accept or reject!  They just reiterated their denial of my claim
Regards,
[redacted]

[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:The business ultimately provided an insurance policy on both my wife and I. Therefore I consider this complaint resolved. 
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 programs are like any other type of insurance in that there are terms, conditions, and...

exclusions that impact coverage.
 
The consumers insuring agreement excluded coverage for any loss resulting directly or indirectly from an pre-existing medical condition. These were defined as:
 
1. Any injury occurring to You, a Traveling Companion or a
Family Member prior to and including the effective date of
Your insurance; and
2. Any illness occurring to You, a Traveling Companion, or a
Family Member during the 60 days prior to and including
the effective date of Your insurance for which: a) medical
diagnosis or treatment by a Physician has been sought or
advised or for which symptoms exist which would cause a
prudent person to seek diagnosis, care or treatment; or b)
require taking prescribed drugs or medicine unless the
illness remains controlled without any change in the
required prescription.
 
According to the medical documentation on file, the condition that caused the consumer’s loss was excluded from coverage as the condition was symptomatic during the 60 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]
[redacted]
[redacted]
[redacted]
[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 on 01/07/2014 at 2:11PM 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 consumers insuring agreement provided coverage for the following:
 
            You or a traveling companion is terminated or laid off from a company
            after your plan’s effective date.
            Specific requirements: (all must apply)
            · The termination or layoff isn’t your fault; and
            · You worked for this employer for at least three continuous years.
 
The consumer was not employed with this employer for three continuous years. We were unable to finalize the claim without verification of the length of employment, which was the cause of the delay. We received this document on May 2nd and the claim was finalized on the 10th business day, May 16th.
At this time, my review indicates that the proper decision was made and I regret that we are unable to provide the consumer with a more favorable response.  
Sincerely,
 
[redacted]
Claims Escalation Analyst
[redacted]
[redacted]
[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. The policy also came with a 10 day satisfaction guarantee period in which the consumer could have canceled after review of the terms if she felt as though the policy did not meet her needs.
Unfortunately, the cause of loss was one that was excluded from coverage.
My review shows that the proper decision was made and I regret that we are unable to provide the consumer with a more favorable response.
 
[redacted]
Claims Escalation Analyst
Allianz Global Assistance

Dear Ms. [redacted]: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[redacted]Claims
Escalation Analyst9950 Mayland Drive...

Richmond, Virginia 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.
 
According to the claim...

documentation, the consumer used a gift card to purchase the ticket and was refunded by the airline in the same manner. As a loss was not incurred, we were unable to honor the claim.
 
At this time, my review indicates that the proper decision was made and I regret that we are unable to provide the insured with a more favorable response. 
 
Sincerely,
 
[redacted]
Claims Escalation Analyst
[redacted]
[redacted]
www.allianzassistance.com

8/5/2014
Purchased through [redacted] travel agency for Alaska cruise. Youngest got sick with rotovirus night before departure flight so he stayed home with grandma. Immediately provided all required documentation including doctors note upon return. Three months later, still waiting on Allianz to pay "pending claim" requiring additional documentation needed. They are now telling me that they need proof from my travel agent that no refund was received and travel agent is not being responsive. How do I provr that I did NOT receive something and how is this a claim requirement?

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]

Dear [redacted] 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, [redacted]
[redacted]
[redacted]...

[redacted]
[redacted]
[redacted]

[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]