Lakeland Properties And Management

Dear MsS [redacted] : face="Times New Roman">Thank you for bringing this matter to my attentionWe only receive the consumer’s information from the ticket provider’s website when the option for insurance is selected by the consumer in the booking path Our records indicate that the consumer has been reimbursed for cost of the insurance on April 9, Sincerely, Kalinda H [redacted] Claims Escalation Analyst Mayland Drive Richmond, Virginia 23233www.allianzassistance.com

[redacted] , Thank you for staying with me in this battle with the insurance company I received an email from them informing me that the payment has been approved (finallly!) They will mail me separate checks Honestly, I can't jump with happiness until I see those checks I will let you know when I have the checks in my hands [redacted] 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] Regards, [redacted]

Dear Ms***, Thank you for bringing this matter to my attentionWe apologize for any frustration the claims process may have caused the consumer Due to inconsistencies in the claim(s) that were filed, a more thorough investigation of the claim(s) is being done and it is still under reviewA review can take at least days and once the review is completed the consumer will be updatedRegrettably, we don’t have a more favorable decision for the consumer at this time For up to date information, the Claim Department may be contacted at 800-334- Thank you, Kalinda H [redacted] Claims Escalation Examiner, USA

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 issue I had with this offer is that I have explained several times that the same tickets purchased on the first date were changed within an hour for the second date and I was never told by Allianz that I needed to change the insurance policy date when I changed the ticket dateWhy would I pay insurance for tickets I no longer had? They should at least reimburse me for half considering they never stated this! 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 coverageThese terms were readily available in the booking path prior to purchase and also emailed to the consumer on 05/08/at 6:53PM EDTWe 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 agent was correct in that the insuring agreement did not provide coverage for the consumer’s lossThe consumer opted not to file a claim I regret that we were unable to provide the consumer with a more favorable responseThe consumer may still contact the Customer Service Department to inquire about a refund of the premium Sincerely, [redacted] Claims Escalation Analyst Mayland Drive Richmond, Virginia www.allianzassistance.com

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]

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 consumerThe 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 any loss resulting directly or indirectly from an existing medical conditionThese 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 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 According to the medical documentation on file, the condition that caused the consumer’s loss was excluded from coverage as the condition was symptomatic and being treated 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] Claims Escalation Analyst [redacted] www.allianzassistance.com

Dear [redacted] : Thank you for bringing this matter to my attentionI 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 coverageThese terms were readily available for review prior to the purchase in the booking path and also emailed to the consumerWe show no error in that submissionThe policy also came with a 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***, Thank you for bringing this matter to my attentionWe apologize for any frustration the consumer may have endured The consumer would want to call 800-284-and request to speak with a supervisor The documentation may be emailed to that supervisor for review and further investigationBest regards, Kalinda H [redacted] Claims Escalation Examiner

Dear [redacted] : Thank you for forwarding this matter to my attentionWe apologize for any frustration the claims process may have caused the consumer According to the consumers claim documentation, the cause of loss was due to an event that fell under the benefit of Travel DelayThe Travel Delay benefit provides reimbursement for additional accommodations and transportation expenses you incur while you are delayedIt does not provide reimbursement for pre-paid expensesPre-paid expenses are covered under the Trip Cancelation and Trip Interruption benefitAs the loss did not meet the terms of those benefits, we processed the claim under the appropriate benefit of Travel Delay The consumer claimed expenses that were pre-paid; therefore, we were not able to honor the claim At this time 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 [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 In 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 bringing this matter to my attention Our records indicate that there were two checks submitted on the consumers claimOne for $ [redacted] and the other for $ [redacted] The consumer was actually reimbursed for a larger amount than was claimed due to the conversion on the receipts and since there were two people insured on the policy, a check went out to each person as described above Sincerely, [redacted] Claims Escalation Analyst Allianz Global Assistance

Thank you for directing this to my attention Please have the consumer send in verification that the insurance was purchased on her endI will then review it with the Customer Service Department's management teamThank you, Kalinda H [redacted] Claims Escalation ExaminerAllianz Global Assistance

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 belowAllianz did not provide notice to me that they would require additional medical records until I reached out to them after my claim had been active for nearly a monthPer my original communication with Allianz during the claims filing process directly on their web-site, I let them know that I spoke with my doctor on Friday, November 6, however they insisted that they never received that communicate from meAgain, this has been incredibly poor service and a painstakingly long claims process with ridiculously slow response times from Allianz I believe that ultimately Allianz should pay my original claim, but due to poor timing between when I was able to see my physician and the extremely long response time about my question regarding their physician policy (much longer than the timeframe promised in their auto response e-mail), I will accept a refund of my original premium paid in order to resolve this claimTo me, this is more than a reasonable resolutionI don't understand why there is so much push back from the company, who is clearly in the wrong Regards, [redacted]

Dear Ms [redacted] , Thank you for forwarding this complaint to my attentionI have notified our Bankcard Management team of this complaintThey will be reviewing and following up with the consumer Thank you, Kalinda H***Claims Escalation Examiner

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 have submitted all documents they ask for.] Regards, [redacted] ***

Dear Ms***,Thank you for forwarding this issue to my attentionAccording to our records, the consumer purchased event tickets on July 26, on the [redacted] website Our insurance premium was charged to his credit card at the time of purchaseOur insurance offering on the [redacted] website is not an "opt out" processIn order to purchase insurance the consumer must click the "yes" boxIf no box is chosen, insurance will not be purchasedOur records indicate that the insurance premium was refunded on August 26, The consumer may want to follow up with the credit card company for any other further questions regarding the reimbursementThank you, [redacted]

Dear Ms***:Thank you for forwarding this matter to my attentionWe apologize for any frustration the claims process may have caused.Our records indicate that the claim has been pending since June 17thAt that time, the consumer was advised of the following:“Thank you for contacting Allianz Global AssistanceI apologize but we cannot use your email as verification that the airline did not provide a refundThe baggage coverage on this policy is secondary to any coverage already offered by the airlineYou will need to contact the airline directlyWe will accept a letter on airline letterhead or an email from the airline(that you would have sent to you and then forward to us) confirming the value of any reimbursement tat have already been givenOnce this information is received we will review your claim again.”The consumer may send the claim determination letter from the airline to the Claim Department for processing which normally takes 7-business days for review.Sincerely,Kalinda H***

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 coverageThese terms were readily available in the booking path prior to purchase and also emailed to the consumer on 05/13/at 2:15PM ESTWe 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 agent was correct in that the insuring agreement did not provide coverage for the consumers lossThe consumer canceled the policy during the day satisfaction guarantee period and the premium has been refundedAs the policy has been canceled, the consumer is not eligible for a claim of reimbursement for the airline ticket Sincerely, [redacted] Claims Escalation Analyst Mayland Drive Richmond, Virginia www.allianzassistance.com

[redacted] : Thank you for forwarding this matter to my attentionWe 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 coverageThese terms were emailed and mailed to the consumer We were unable to honor the consumers claim for reimbursement because the consumer did not meet the terms of the insuring agreement as explained under the baggage coverageAs we were secondary to the common carrier who caused the damaged the insuring agreement required the following: You file a report giving a description of the property and its value with the appropriate local authorities, common carrier, hotel or tour operator within hours of the loss According to the cruise line, the consumer did not file a report giving a description of the property and its value which is why they were unable to honor the consumers claim Due to this, we were unable to honor the consumer request for reimbursementI regret that we were unable to provide the consumer with a more favorable response Sincerely, [redacted] Claims Escalation Analyst [redacted] www.allianzassistance.com