Lakeland Properties And Management Inc

[redacted],
Records indicate that this was prepared and sent on August 4.
Thank you,
[redacted]

[redacted],
Thank you for bringing this matter to my attention.
Please have the consumer provide the claim number so that we may continue our review.
Thank you,
[redacted]
Claims Escalation Analyst
Allianz Global...

Assistance

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.
 
While we understand the event...

was unforeseen, unfortunately, a child not being allowed to travel because of a parent refusing to obtain the child’s passport was not included among those reasons.
 
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
[redacted]
[redacted]
www.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.
I received an email on 3/10/14 that stated they were processing my claim for $[redacted] for my travel delay and they requested receipts regarding my lost luggage portion.  First of all, the $[redacted] is not nearly the amount that I was requesting and that should have been included in my coverage. I responded to them by email and have yet to receive a response back (yet again).  The next issue I have is that if they had read my initial submission letter in which I gathered all of the facts for them, they would realize that it was my inconvenience that I was requesting reimbursement on - not actual purchases.  I did not go out and make purchases because I continued to believe that my luggage would arrive "soon" as I was told by the airlines.  They neglected to address the remainder of my claim at all.  My email response to them is included below for your review.  As I mentioned, Allianz has yet to respond to my email.  It is very disappointing that their customer service has been this difficult to deal with when they sell policy after policy in which they never have to pay a dime on.  I'm sure that they are making big money by not responding to policy holders who eventually just give up instead of standing up for what is right.  Thank you for helping resolve this matter.
Regards,
[redacted]
Email sent to Allianz in response Mon 3/10/2014 8:06 PM to 'claimsinquiry (Allianz Assistance USA)' <[redacted]>:
[redacted]:
 Thank you.  However, I’m a little confused – why was
$[redacted] the only amount covered when the policy covered $[redacted] for trip delay
as well as $[redacted] for trip interruption protection?  Also, I am unable to
submit receipts for the baggage claim because I did not purchase clothing, etc.
as [redacted] told me my baggage would be arriving “soon”. 
However, I was still terribly inconvenienced by the lack of prompt delivery of
my lost luggage which included all of my clothing, toiletries and prescription
medication. 
Can you please reprocess this claim for the appropriate claim
amount or help me understand the lower amount?
Thank you,
[redacted] 
 
 
From: claimsinquiry (Allianz Assistance USA) [[redacted]]
Sent: Monday, March 10, 2014 4:02 PMTo: [redacted]Subject: RE: Contact Us Submission | [redacted] |
[redacted] | Status of a Claim - [redacted]
Dear [redacted],
Claim Number: [redacted]
 
Thank you for contacting Allianz Global Assistance regarding your
claim.  Please accept our apologies for the delay in response. 
 
Your claim information has been reviewed for your Baggage Delay
claim and it has been determined that the following documents are needed in
order to properly adjudicate your claim:
 
·        
The receipts for emergency items purchased
 
We received all of the required documentation for your Travel
Delay claim.  Your claim has been paid today.  We will be sending the
check on 03/11/2014 in the amount of $[redacted], to the following address: [redacted],
USA.  Your payment should arrive within 7-14 days.  If you do
not receive the payment within this time frame, please contact our office to
place a stop payment. 
 
Reason for pay:
 
·        
The amount you submitted with your claim exceeded the daily
coverage amount provided under your policy.  Please refer to your Letter
of Confirmation for specific coverage details.
 
If you have any questions, or if we are able to provide you with
any additional services, please feel free to contact Allianz Global Assistance
at [redacted] or via email at [redacted].
 
Sincerely,
 
[redacted]
Travel Claims Department, USA
Allianz Global Assistance

Clearly stated false advertising and an absolute scam,as far as simple "travel insurance" goes. Simply put, when purchasing an airline ticket from the airlines or various travel websites the "Allianz Global" insurance company comes up as an option for "insurance" in case your travel needs change... what is NOT stated as their as so many loopholes to their policy, you would to basically DIE to get your money back..
And my circumstances was simply a request for reimbursement to change an airline ticket's date--- if I had stuck with original date of travel, I would have been terminated from my job. Thus, I HAD to make a date change, yet Allianz stated that "They dont cover for POSSIBLE termination, only termination".

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]
I contacted my travel agent within the 24 hours and she contacted Allianz within the same 24 hours.  If Allianz did not request a claim form at that time, it is not my fault.  I expect the payment of $265.If Allianz will not settle the matter with Revdex.com, my next step is the Virginia State Insurance Adjuster.

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 can't believe they do not stand behind their insurance product. I was taking care of my Son going through Chemotherapy treatments that started October 27, 2013 and completed December 23, 2013. The treatments did not even span 90 days nor was this requested 90 days after the process. I submitted my request for reimbursement per the terms of the insurance by January 10, 2014. How they cannot see that taking care of a loved one does not comply with their terms is absolutely absurd. Also it should not be required that my son's doctor provide personal and confidential patient information. I was taking care of my Son, period end of story.
Both of the following reasons apply which is part of their insurance coverage, supposedly.
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:
I would hope that you can see the issue here and be able to get them to see the issue as well for reimbursement. If there is additional information you require please advise. However I am not satisfied with their response and still seek full reimbursement.
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. These terms were readily available in the booking path prior to purchase and also emailed to the consumer.
The insuring agreement offered a 10 day satisfaction guarantee period which gave consumers time to look over the policy and decide if it’ll meet their needs. The consumer requested to have the policy canceled after the 10 days thus we were unable to honor her request.
 
According to our records, the consumer initially called to cancel her trip because the flight was booked incorrectly. Unfortunately, that reason is not a named peril as listed in the insuring agreement.
 
Our records indicate that the consumer has not filed a claim with us. If the consumer wishes to file a claim due to the death of a family member that occurred after the insurance purchase date we would be more than happy to assist her.
 
I have requested to have claim forms emailed to the consumer.
 
 
Sincerely,
 
[redacted]
Claims Escalation Analyst
[redacted]
www.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.
We do not have a product that would offer insurance for the price indicated by the consumer. If the consumer received that information from [redacted] in error, he may want to call them to report the incident and for resolution.
 
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.  The insuring agreement provided coverage if Your or Your Companion's automobile having a Mechanical Breakdown within 48 hours of the event which results in the vehicle being unable to be driven to the event.
 
As the insuring agreement is a named peril policy only we would need verification that the breakdown occurred within the 48 hours of the event. Unfortunately, the consumer did not have verification of this occurring within that timeframe.
Due to this, we were unable to honor the claim for reimbursement.
 
Sincerely,
 
[redacted]
Claims Escalation Analyst
[redacted]
[redacted]
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. 
 
A request has been made for the examiner whom finalized the claim provide the insured with a...

break down of what was paid for clarification. If additional amounts are owed, the claim will be reviewed for additional payment according to the terms of the insuring agreement.  
Sincerely,
 
[redacted]
Claims Escalation Analyst
[redacted]www.allianzassistance.com

This is the biggest [redacted] I've ever come across. If you have money to throw away, then yes, go ahead and purchase this pointless insurance that will only allow you to file a claim if someone died within 24 hours of your trip.
Like most insurance companies, this one tops them all as far as pointless coverage.
DO NOT CONDUCT BUSINESS WITH THIS COMPANY! You been warned.

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]: The above complaint number against Allianz
Global Assistance, has not been resolved. I have not received my refund.
[redacted]
[redacted]

Dear Ms. [redacted],Thank you for forwarding this matter to my attention. I apologize for any frustration the claims process may have caused you.As your insuring agreement indicated, this is a named perils travel insurance program, which means it covers only the specific situations,...

events and losses included in this document, and only under the conditions we describe. Unfortunately, the venue cancelling the event is not covered by the policy. You may want to reach out to the venue again regarding refunds they were offering.At this time I regret that we are unable to provide you with a more favorable response. Sincerely,[redacted]Claims Quality Assurance[redacted]Richmond, VA 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 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 consumer’s insurance policy insures the person(s) listed on the letter of confirmation, and not the person who paid for the insurance and/or trip expenses. By law, we reimburse the insured(s), which in this case, the consumer and his mother. For this reason, two separate checks were issued in that exact manner.
 
Upon review of the claim, the consumer was reimbursed the actual loss of his travel expense as indicated in the claim documentation by the travel suppliers. 
 
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.
The response indicates that coverage included if my or my traveling companion's leave was revoked. While my husband deployment orders were extended, I also provided documentation of my leave being revoked by my supervisor as part of my claim and yet it was still not honored.  I provided a complete explanation and documentation upon initial submission of my complaint as well as in phone calls and follow up emails to this company. It's clear from the response provided that no one took the time to read my submission or properly review all of the documentation provided because had they done so, according to the company's response my claim should have been approved and the insurance I purchased honored as written. 
[redacted]

[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 prior to purchase on the event website and were also...

emailed to the consumer along with a 10 day satisfaction guarantee period if the coverage did not meet the consumer’s needs.
 
As the cause of loss was not listed as a named peril in the insuring agreement we were unable to provide coverage for the consumer’s loss.
 
Sincerely,
 
[redacted]
[redacted]

Dear [redacted]:
We are in receipt of a copy of the reimbursement from the airline that was received by the consumer.
According to the claim documentation, the consumer claimed the full amount of baggage coverage for the suitcase that was damaged. As indicated in the previous communication, the benefit does not just pay out the maximum amount of the benefit. We would need to know the approximate cost of the luggage itself along with the make and model type.
 
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 find that this resolution would be satisfactory to me.  They reviewed my claim and reversed their decision.  I received a phone call as well where the representative indicated that they should have done this in the first place, and that I shouldn't have had to contact them so many times in order to get this reviewed and processed properly.  They thanked me for highlighting this issue so that they can make sure it does not happen to other customers.  They are issuing me the money owed.
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]