Lakeland Properties And Management

Allianz is trying to scam my mom and I out of our airline fares for a tour that was canceled by a tour operatorWhen I first called to file a claim, I was told by an Allianz rep that trip cancellation was a covered reasonI filled out the forms according to the rep's instructions and the she said the claim would be reviewed within 8-business days and our reimbursement checks would followA month later we received a letter saying that our claim was denied! I called Allianz and another rep said that trip cancellation was not a covered reasonWhat?!? I asked to speak to a supervisor and was eventually transferred to a woman who sounded understandingShe said she would have to review the first call recording to hear where the rep told me that trip cancellation is a covered reasonShe said it would take days to get IT to pull the audio file to hear the recording and that she would get back to me thenIt has been weeks now and she hasn't returned my calls to find out status [redacted]  and the public need to know that Allianz insurance is trying to take advantage of their own paying customers and scam people out of legitimate claims

[redacted] : Please have the consumer provide a policy or claim number so that we may appropriately address their concerns Thank you, [redacted] Claims Escalation Analyst Allianz Global Assistance

Dear Ms [redacted] : size="3">Thank you for forwarding this matter to my attentionWe 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 cancelationOnce received I will update the complaint Sincerely, Kalinda [redacted] Claims Escalation Analyst Mayland Drive Richmond, Virginia 23233www.allianzassistance.com

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 [Provide details of why you are not satisfied with this resolution.] Regards, [redacted] Dear [redacted] ***, I have not received any information from the business at allAs a matter of fact that business is hiding behind bogus names of non existing companies like "Visa Enhancement Services" or "Card Benefit Services" which are not registered anywhere to conduct any business at allI filed a complaint regarding particular business, and I want a proper response from that business, not from a bogus companies which don't even exist [redacted] ***

Dear Ms [redacted] : Thank you for forwarding this matter to my attentionWe apologize for any frustration the claims process may have caused the consumerThe consumer filed a claim for $in October We requested refund information from the consumer which we did not receiveSubsequently, the claim was finalized and paid in that amount on November 24, after we received verification directly from [redacted] of the refund amount that the consumer had received from them The claim is paid and closed Sincerely, Kalinda H [redacted] Claims Escalation Analyst Mayland Drive Richmond, Virginia 23233www.allianzassistance.com

Dear [redacted] : Thank you for bringing this matter to my attention We apologize for any frustration the claims process may have caused the consumer We have reviewed the consumers claim in depth and have overturned the denial /> The consumers should allow to business days to receive the reimbursement Thank you, [redacted] Claims Escalation Analyst Allianz Global Assistance

Dear Ms [redacted] : face="Times New Roman">Thank you for forwarding this matter to my attentionPlease have the consumer provide a claim or proper policy number so that we may address their concernsSincerely, Kalinda [redacted] Claims Escalation Examiner Mayland Drive Richmond, Virginia 23233www.allianzassistance.com

Dear [redacted] Thank you for forwarding this matter to my attentionWe apologize for any frustration the claims process may have caused youOur insurance programs are like any other type of insurance in that there are terms, conditions, and exclusions that impact coverageThese terms were readily available in the booking path prior to purchase and also emailed to youThe policy also included a day satisfaction guarantee period which enables you to look over the policy and decide if it will meet your needsIf not, a request can be made for a full refund of the premium within those daysThe insuring agreement excluded coverage for any loss resulting directly or indirectly from an existing medical conditionThese 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 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 periodAlthough 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 lossI regret that we are unable to provide you with a more favorable response 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 Pre-existing conditions is not the issue, the live -in health care provider moved out suddenly leaving me no choice but to cancel my trip as I am the other healthcare providerWe chose this insurance because it stated that if cancellation was to care for a family member needing my care, refer to page section under what certificate includes, it would be coveredThis company has very deceptive adds and by reading the complaints online I feel there is no condition that they would coverThis company is stealing from the consumer in a way that makes [redacted] look like a SaintAt least [redacted] did not pretend not to be a crook! I would like this company to tell me a single case that WOULD be covered for a year old.! Regards, [redacted] ***

Dear [redacted] ***: Thank you for forwarding this matter to my attention Our insurance, like any other insurance had terms, conditions and exclusions that impact coverageSpecifically included in those terms were the following: /> You or Your Companion not arriving at the venue due to a delay by the Common Carrier used for transportation According to the documentation on file, the consumer’s flight that was scheduled a day before the event departedWe do not have documentation on file to show that the common carrier would not have been able to get the consumer to the destination to attend the event The insuring agreement did not provide coverage for bad weather At this time, our decision remains and I regret that we are unable to overturn the denial If the consumer has any questions regarding the claim process, they may contact our Claim Department a [redacted] 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 The response from Allianz Global Insurance claim is erroneousI did not claim the information that circumstances related to claim was provided by [redacted] , but instead a representative from Allianz Global Insurance companyAs is common with most insurance companies, their first line of defense is to deny the claim and ask for additional informationHaving worked a number of years within the [redacted] , this strategy keeps profit margins high and claims paid out lowMost complaints either give up due to the many man-hours being dedicated to fight such denialsI would never have purchased the policy unless it was applicable to my situation and confirmed by a representative from their company, not the airline service providerI would not allow an airline service provider to confirm the policy guidelines of a third-party insurance provider due to my previous experience with insurance companies while serving as a manager for a durable medical equipment provider submitting claims to such an organizationI am an American Servicemember fighting for our country overseas and deserve better treatment than what I have received 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.] Regards, [redacted] [redacted]

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 Ms***, Thank you for forwarding this complaint to my attentionI apologize for any frustration this process has caused The insuring agreement required that the consumer be medically able to travel on the date of insurance purchase in order for existing medical conditions to be considered The claim department received a letter from the physician indicating the condition and recommendation for cancelationAs the documentation received was not enough to finalize the claim, a fax was sent to the doctor asking if the consumer was medically able to travel on the insurance purchase date, based on the condition which caused the lossThe doctor indicated "no"Due to this, we are unable to honor the claim for paymentIf the consumer feels as though the information we received is incorrect, we would accept a clarification document from the doctor indicating the proper information At this time, we are unable to overturn the denial of the claimBest regards, Kalinda H [redacted]

Dear MsStevens: Thank you for forwarding this matter to my attentionI have contacted the Department and have been advised that the consumer has been contacted and the problem resolved Sincerely, Kalinda H [redacted] Claims Escalation Analyst Mayland Drive Richmond, Virginia 23233www.allianzassistance.com

Dear [redacted] ***: Thank you for forwarding this matter to my attentionWe 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 [redacted] : Thank you for forwarding this matter to my attentionWe apologize for any frustration the consumer may have endured According to the documentation on file, the consumer is claiming only the hotel expenseWe have everything we need except the credit card statement showing the charge for the hotelThe original purchase was made in EurosIn order to be sure that the insured is reimbursed the exact amount of the charge in USD including any foreign transactions fees, we would need the credit card statement Sincerely, [redacted] Claims Escalation Analyst [redacted] www.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 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 $premium as a one-time consideration to the consumer Sincerely, [redacted] Claims Escalation Analyst [redacted] www.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: The company was not honest in its review of the complaintI was told that the company had ALL the necessary documentation to settle my case and they apologized for any convenience caused by the delay due to their oversight and a check would be sent to settle the caseI did not receive the check and after waiting over weeks I called the company and was put on hold for over min while they "tried to figure out the status of the claim"I was then told that they needed ADDITIONAL documentation from the travel agency and would get back to me brieflyNeedless to say they did not get back to me and when I called the following the day they again wanted to place me on holdI refused to do so and told them to have a supervisor call me backThe case was resolved because I would not take no for an answer and screamed a lotI have since received my settlement but the company was dishonorable throughout the entire ordealI would NEVER recommend that the company not be used but anyone Regards, [redacted] ***

Dear [redacted] Thank you for forwarding this matter to my attentionWe 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 conditionThese were defined as: Any injury occurring to You, a Traveling Companion or a Family Member prior to and including the effective date of Your insurance; and Any illness occurring to You, a Traveling Companion, or a Family Member during the 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 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]