Lakeland Properties And Management Inc

[redacted],
 
Thank you for bringing this matter to my attention.
 
Please be advised that the number provided by the consumer was not the claim number as requested. The number just recently provided by the consumer is the policy number which also wasn’t included in the initial complaint and has now allowed us to access the claim.
 
Our insurance, like any other insurance had terms, conditions and exclusions that impact coverage. These terms were readily able during the booking path prior to purchase and also emailed to the email address provided along with a 10 day satisfaction guarantee period.
 
Trip Interruption provided coverage for additional transportation expenses to return home and unused pre-paid trip expenses. The consumer’s used part of their tickets during travel therefore the consumer isn’t eligible for a full refund of their insured airline tickets. The consumer’s also claimed baggage fees and seat fees for the portion of the flight that was used which isn’t eligible for reimbursement.  The consumer also filed a claim for their insurance premium which is never a refundable expense under a claim.
 
My review reflects that the claim was processed appropriately.
 
Sincerely,
 
[redacted]
Claims Escalation Analyst
Allianz Global Assistance

Dear Ms. [redacted],Thank you for bringing this matter to my attention. Our records indicate that the consumers claim was finalized and paid on 2/19/2014. We apologlize for any frustration the process may have caused the consumer. If the consumer has any questions regarding...

payment, they may contact the Claim Department at [redacted]. Thank you,[redacted]Claims Escalation Analyst

Dear Ms. [redacted]:
Thank you for forwarding this matter to my attention. We apologize for any frustration the consumer may have endured.
According to our records, the consumer has not filed a claim at this time so there isn’t anything to adjudicate. I have looked over the insuring agreement and cancelation of the event by the venue isn’t a named peril. [redacted] would not be the venue so the consumer may want to contact the actual venue- place where the event was held- to inquire about a refund.
Sincerely,
Kalinda H[redacted]
Claims Escalation Examiner
9950 Mayland Drive Richmond, Virginia 23233www.allianzassistance.com

I ordered tickets on [redacted] and clicked the button for this service on accident. Not even 2 minuets after seeing that I paid 27.96 to this company, that I have to idea who they or what they do I called and emailed asking for a refund. When I called I spoke to employee ([redacted]) and explained I need a refund and he requested the policy number. I explained I do not have a policy number , but I can see the charge on my bank account. [redacted] said he can not help me and I should get an email with the policy number in 20 minuets. I then explained if I can see a charge on my account then he should be able to see that its paid and get someone to help refund me. He tried looking up my account and was EXTREMELY rude and taking deep breaths as if it was a problem. I asked to speak to a supervisor and he said, " they are just going to tell you the same thing". He then came back to the phone and said his supervisors are on a more important call. I then asked what his supervisors name is, and he said there are a lot of supervisors. I then asked for his direct supervisors name , which he gave with an attitude. I would NEVER deal with a company that has such rude customer service!!!!!!!!!!!!!!!!!!

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 company refused to make any offer to resolve my complaint. My complaint is that the way the policy is advertised would lead a reasonable person to purchase the insurance without even considering that the inability to travel to the destination wouldn't be covered. The terms and conditions were summarized on the purchase page of the website in a way that made them sound much more inclusive and, to view the full terms and conditions, a consumer would have had to click through multiple pages to bring them up. I believe 9 out of 10 consumers would go forward with the purchase without going through the hoops to view the Terms and Conditions. They were more easily available after purchase, but at that time I could only cancel the insurance and save $8, but would have been out the nearly $200 for the trip. I may have not even realized I wasn't covered after viewing the terms and conditions because they aren't entirely clear to an average consumer. 
 
The setup they have is very misleading and to find the truth takes effort that is unreasonable to expect from the majority of their potential customers. I believe their business model is based off of getting consumers to buy their product without understanding how limited the coverage is. A quick search of the company name on the internet reveals that I am not alone in having problems with this company.
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.
The changes that I made were directly the result of the problem with my flight. I had to re-book the flight the next day and then could not
return until a day later than planned. As a result of the problem with my reservation I was delayed both at the beginning, and end of my reservation.
Regards,
[redacted]

Allianz Global Assistance is a joke. It is just was to take money from people like you and me. They remind me of the insurance companies on the movies that just reject everyone and hope no one complains. It is a shame that companies exist to take advantage of the public. It is a shame for the people that work there as well. They know what they are doing and laughing as they enjoy their existence. I hope they know that Karma comes back around.

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.
When a company offers insurance for travel, an option for refund within 10 days is unreasonable. Travel plans are made sometimes months in advance and since I didn't travel in the end, no services were rendered by the business. Furthermore, it has been well estalished by now that contracts that are offered to consumeres are made confusing and frustrating so that consumers would not be able to understand exactly what is written in them. The business response shows that they are not playing a fair game.
Regards,
[redacted]

Sirs:
 
Since I have not heard from you, I assume that Allianz did not contact you.  Yesterday I received a check from them for full payment of my stolen item.  I appreciate all your help and have not changed my feeling for Allianz.
 
Sincerely,
 
[redacted]

Dear Ms. [redacted]:Thank you for forwarding this matter to my attention. I apologize for any frustration regarding the purchase of insurance on vividseats.com website. I have reviewed the complaint. Currently, on the vividseats website, the  insurance is offered in the booking...

path. Yes or No are the choices, both options are blank and you could choose either yes or no. I have forwarded the consumers request to the Customer Service Department for cancelation. Currently I am not able to see where the consumer reached out to them. If he has additional questions, they may be reached by calling the number on the credit card statement. Thank you,Sincerely,Kalinda H[redacted]Claims Escalation Examiner9950 Mayland DriveRichmond, Virginia 23233www.allianzassistance.com

Dear Ms. [redacted],
Thank you for bringing this matter to my attention. We apologize for any frustration the consumer may have endured.
The consumer would want to call 800-284-8300 and request to speak with a supervisor.  The documentation may be emailed to that...

supervisor for review and further investigation. Best regards,
Kalinda H[redacted]
Claims Escalation Examiner

[redacted]
Thank you for forwarding this matter to my attention. I have notified the customer service department of this issue and a representative will be contacting the consumer directly to troubleshoot the issue. Thank you,[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.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]
This is a load of garbage. There was no details on the site when insurance was paid for. If at the time we paid for this insurance. if there were any of this onj the site we would never have paid for it. If this is the case then why did alliance give us such a run around. saying at the first time of contact it would take ten days. It has taken 3 monts and only got a decision once we told them we were going to make a complaint with the Revdex.com. I believe they do this to people to make them give up on the claim cause frustration and deny the claim. This claim was denied because we had enough and told them we were going to make the complaint.
I am applauded at the way this has been handled. I will make sure I continue this whether here or another venue. This was wrong and they know it.

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.]
It would have been comletely impossible for us to have foreseen that a family member would need our assistance in going to and from Chemo appointments. While yes he had seen the Dr. prior the actaul diagnosis and treatment course of action weas not determinerd until after our trip was booked. We purchased insurance strictly in case spomething where to happen like this. We belived we were purchseing directly from the Airline not some 3rd party shisters. I had requested upon there first review for them to contact me which they didn't do. I provided ebery piece of documentation the asked for. If the language they proved you was indeed readily available it was not in plain site or easily accessible. This is not an insurance policy it is a scam. I suggest you take a look a some of the feedback regarding this company on line. It seems they deny every claim they get. With thier exclusions they can pretty much tie it to every circumstance under the sun. I will never purchase travel insurance again inless it is directly from a reputable company. It is my fault for not doing my homework on this account.
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.
[Provide details of why you are not satisfied with this resolution.]
I reject this offer because I should have been given the opportunity to be able to select another date to see the show.  Due to a bad snow storm that affected the entire east coast, I had to end up cancelling which cost me $356.70.  There were other venues that were affected by the snow storm that allowed individuals to trade in their tickets and select to see another show on a different date.  Per the website, it was recommended that this insurance policy be taken out when you purchase tickets, however, it does not cover for inclement weather which could affect any individual.  Any assistance would be greatly appreciated. 
Regards,
[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. 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 claim, the cause of loss was due to a general program exclusion. Due to this, I regret that we are unable to honor the claim for reimbursement.         Sincerely,Kalinda H[redacted]Claims Escalation Examiner9950 Mayland DriveRichmond, Virginia 23233www.allianzassistance.com

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.
This is the policy Allianz emailed to me when I purchased the insurance. On Page 6 under 'Legal' there is one sentence regarding receiving a subpoena for jury duty. It does not specify ANYWHERE that this applies ONLY if one has 'already purchased a ticket and cannot travel because they received a subpoena'. That was the response given me by Allianz for refusing to honor their policy.
Apparently Allianz has TWO different policy manuals; one for the consumer and one for their corporate lawyers. The only rules they follow are the ones not specified in the Policy they provide to their customers.
I want Allianz to show me WHERE in their Policy the lengthy language is located that IS the rhetoric sent in their last email message.
Regards,
[redacted]

Dear [redacted]:
 
Thank you for bringing 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. These terms were readily available in the booking path prior to purchase and also emailed to the consumer.
 
As an insurance company, we provide personalized third party insurance to many companies, as well as provide our own insurance products for consumers who travel.
 
The consumer purchased an Event Ticket protector policy, for an event that was sold thru [redacted]. This product does not offer coverage for any loss due to business obligations. This information was available on the [redacted] website and also listed as a general program exclusion in the insuring agreement that was emailed to the consumer.
 
The consumer may have been on our general website when she observed information pertaining to business obligations, as some of our personalized travel insurance products may offer coverage for this reason; however, this coverage does not apply to any of the Event Ticket protector policies.
 
At this time, I regret that we are not able to provide the insured with a more favorable response as according to her insuring agreement; her loss was excluded from coverage.
 
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 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 all of the named perils that are listed in the consumers insuring agreement, unfortunately, cancelation of your hotel room due reading reviews of a possible bed bug infestation and booking a room at a different hotel was not listed as a named peril in the insuring agreement.
 
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

Dear Ms. [redacted],Thank you for forwarding this matter to my attention. We apologize for any frustration the claims process may have caused you.The initial denial of your claim was due to information received by your physician. As you know, the policy you purchased does not cover...

"existing medical conditions". The exclusionary period for such conditions was March 25, 2014 through July 22, 2014. Your physician specifically advised you were experiencing symptoms during that period which resulted in the denial of your claim. On December 18, 2014 your physician sent us a new form with new information. That form was in different handwriting than the first form. Due to the discrepancy we asked for medical records to clear up any confusion. We received those records today, January 28, 2015. I have forwarded your claim to the Claims Department and have recommended they issue payment on your behalf. An update to the status of your claim should be available online within 48 hours or you may contact the Claims Department directly at [redacted].Sincerely,[redacted]Quality AnalystClaims Quality Assurance9950 Mayland DriveRichmond, VA 23233www.allianzassistance.com