Lakeland Properties And Management

Dear [redacted] : Thank you for bringing this matter to my attentionI apologize for any frustration the consumer may have experienced I have reviewed the policyCurrently we do not have a claim on fileAs the consumer has purchased a policy with our company, if there is a covered loss under the insuring agreement, we will honor the policy they have with us Our agents cannot guarantee coverage over the phone as we would need to review the documentation to be sure coverage applies I have requested to have Trip Interruption claim forms mailed and emailed to the consumerA claim has been generated as wellOur Claims Department will be more than happy to review the documentation and assist the consumer in any way we can If there are additional questions, the consumer can contact the Claim Department at [redacted] 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 have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I reject that a company can sell a policy that has no value The airline covers the exact same situations with full refund or trip credit It is outrageous that their website can sell one thing and the fine print negate it This company should reverse their advertising, and make this crystal clear when someone purchases it, or stop selling this product which is useless and nonrefundable! Shame on you! 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 coverageThese terms were readily available in the booking path prior to purchase and also emailed to the consumerWe show no error in that submissionThe policy also included a day satisfaction guarantee period which enables consumers to look over the policy and decide if it will meet their needsIf not, a request can be made for the full refund of the premium The consumers insuring agreement excluded coverage for pregnancy unless there are unforeseen physical complications of the pregnancy itself The insurance did not provide coverage for risk of complicationsAs the pregnancy itself was normal, we were unable to provide coverage for the loss I regret that we are unable to provide the consumer with a more favorable response at this time Sincerely, [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 records indicate that the check was sent out multiple times and voided because it wasn’t receivedAnother check was sent out on 09/to a different address as requested Sincerely, [redacted] Claims Escalation Analyst [redacted] www.allianzassistance.com

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 Currently the consumers claim is pending, it has not been deniedIn 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 policyWithout this document, we are unable to process the claim Sincerely, [redacted] Claims Escalation Analyst [redacted] www.allianzassistance.com

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 coverageThese terms were readily available in the booking path prior to purchase and also emailed to the consumerWe show no error in that submissionThe policy also included a day satisfaction guarantee period which enables consumers to look over the policy and decide if it will meet their needsIf 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] www.allianzassistance.com

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***Claims Escalation AnalystMayland Drive Richmond, Virginia 23233www.allianzassistance.com

Dear Ms***, Thank you for directing this matter to my attention The insurance offered on the [redacted] website is opt in, meaning that in order for us to receive the purchase information, the box would have had to be checked during the checkout process.Our records indicate that a refund has been processed for the consumerThank you, Kalinda H [redacted] Claims Escalation Examiner, AGA

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 had terms, conditions and exclusions that impact coverageThese terms were emailed to the consumer along with a day satisfaction guarantee periodSpecifically included in the terms was the definition of a trip as it is insured with the policy: “Your insuring agreement defines a Trip as Round-trip or one-way travel to and from a place at least miles from your homeIt can’t include travel to receive health care or medical treatment of any kind, or commuting to and from work.” Unfortunately, as the reason for the travel was to receive medical care, we were unable to provide coverage for the consumer’s loss I regret that we are unable to provide the consumer with a more favorable response at this time Sincerely, [redacted] Claims Escalation Analyst [redacted] www.allianzassistance.com

Dear [redacted] Thank you for forwarding this matter to my attentionWe apologize for any frustration the consumer may have endured I am sorry to hear the consumer had a difficult time calling while overseas All of our insurance plans include a collect number that lets the operator know that we accept all collect calls According to the claim notes, the claim was paid in separate installments as the Claim Department received additional supporting documentation The consumers claim was reviewed and processed based on the terms of their insuring agreementAt this time, further payment isn’t available on the claim Sincerely, [redacted]

I was worried that my accommodation would fall through so I called to see if my policy covered that possibility before I bought the policyi was told yes it doeswhen I went to submit a claim I was told it wasn't covered

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 did not receive any offer from AllianzThey rejected my complaint because is inaccurate documentation compiled by them The nurse that completed the form was misinformed regarding the details included on the documentationThe December 10th date referred to in their response was the date of a regular annual mammogram checkupSupplemental documentation was provided to Allianz to clarify that a regular checkup was performed on December 10, and that an actual diagnosis for cancer on January This documentation received physician sign-off as wellAllianz has not acknowledged that and continues to point to the inaccurate datesThis is yet another reason why the service provided does not satisfy customers, and in fact, not reliable and do not offer what is promised in their agreements Revdex.com, please let me know what else I can provide to help resolve this matterThis is clearly upsetting as my mother was diagnosed with cancer and was not able to travelHad we known this could have been the case, we would have never booked airline travel 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: I have reviewed the offer made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to meI will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf the company does not perform as promised I can get back to you at: [redacted] This company has reimbursed me, thank you so much for your help [redacted] Regards, [redacted]

Dear Ms***,Thank you for forwarding this matter to my attentionWe apologize for any frustration the claims process may have caused you.The initial denial of your claim was due to information received by your physicianAs you know, the policy you purchased does not cover "existing medical conditions"The exclusionary period for such conditions was March 25, through July 22, Your physician specifically advised you were experiencing symptoms during that period which resulted in the denial of your claimOn December 18, your physician sent us a new form with new informationThat form was in different handwriting than the first formDue to the discrepancy we asked for medical records to clear up any confusionWe received those records today, January 28, I have forwarded your claim to the Claims Department and have recommended they issue payment on your behalfAn update to the status of your claim should be available online within hours or you may contact the Claims Department directly at [redacted] .Sincerely, [redacted] Quality AnalystClaims Quality AssuranceMayland DriveRichmond, VA 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 records indicate you sent in documentation to the Appeal Department for review and we have determined the loss is covered by the policyAt this time, the claim has been resolvedSincerely, [redacted] Quality AnalystClaims Quality Assurance [redacted]

Dear [redacted] ***, Thank you for bringing this matter to my attention We have reviewed the phone call in which the consumer called in to report her loss after the coverage endedOur agent listened to the consumer and offered to send her a claim form and advised of all documentation needed to process the claimThe agent did not promise that the expenses would be covered and nor was he advised of when the expenses were incurred During the phone call, the consumer did indicate that the loss occurred on the flight home which was during the coverage periodDuring the review of the claim, it was determined that medical treatment was incurred within miles of the consumer’s homeA trip was defined as: Round-trip or one-way travel to and from a place at least miles from your homeIt can’t include travel to receive health care or medical treatment of any kind, or commuting to and from work While the initial review of the claim was correct, we have agreed to issue a one-time consideration payment for any expenses incurred on the day of the emergency and only while the policy was in effect (10/31/2013) If the consumer has any bills that fall under this criterion she may send them in for review and payment Sincerely, [redacted] 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] Firstly,When you buy the tickets on line you're SOLD the opportunity to INSURE the cost of the flightThere are no list of reasons for cancellations given to the buyer It is sold as "Flight Insurance" in case you must cancel the flightThis is a scam and takes advantage of people who do not fly very oftenMy wife and I booked the flight for the sole purpose of attending our daughter's weddingWhen that event was cancelled we had no reason to fly to [redacted] I bought the insurance in case of a hurricane or a change in date due to unforeseen circumstancesI never imagined the groom would back out For this company not to pay off is very despicable ***

Dear Ms [redacted] : size="3">Thank you for forwarding this matter to my attentionWe apologize for any frustration the claims process may have caused To address the consumers concerns, the insurance is offered in the booking path and with that offer there is additional informationIt states in that section that terms and conditions apply and there are limitationsThere is also a link to review the insuring agreement prior to purchase The same insuring agreement is then emailed to the consumer along with a day satisfaction guarantee period in which the premium can be refunded in days if the terms do not meet the consumer’s needs I am sorry to hear that we were unable to assist the insured at this time Sincerely, Kalinda H [redacted] Claims Escalation Analyst Mayland Drive Richmond, Virginia www.allianzassistance.com

[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 requestedThe 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 coverageThese terms were readily able during the booking path prior to purchase and also emailed to the email address provided along with a day satisfaction guarantee period Trip Interruption provided coverage for additional transportation expenses to return home and unused pre-paid trip expensesThe consumer’s used part of their tickets during travel therefore the consumer isn’t eligible for a full refund of their insured airline ticketsThe 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

I purchased the travel insurance because an upcoming trip dates couldn't be finalized until the last momentHad to reschedule my flight due to date changes and the airport start locationAllianz denied my claim and needless to say I'm certain is nothing more than another worthless insurance companyWill not use this business again