Lakeland Properties And Management

Dear [redacted] : Thank you for bringing this matter to my attention Our insurance, like any other insurance, had terms, conditions and exclusions that impact coverageSpecifically excluded from coverage was any loss resulting directly or indirectly from an existing medical conditionsThese 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 Physician Statement form filled out by the doctor, the cause of loss was due to the surgery scheduled for a condition that was being treated during the day periodThe form on file does not attribute the loss to anything but the surgery itself Due to this reason, we are unable to overturn the denial at this time Thank you, [redacted] Claims Escalation Analyst Allianz Global Assistance

Dear Ms [redacted] : face="Times New Roman">Thank you for forwarding this matter to my attentionWe apologize for any frustration the cancelation process may have caused the consumerI have requested to have the policy canceledPlease advise the consumer that it may take up to one billing cycle to see the credit from the financial institution Sincerely, Kalinda H [redacted] Claims Escalation Analyst

Dear Ms***: Thank you for forwarding this matter to my attention As we are a third party company, the offer of the insurance would be separate from the ticket costWe thank the consumer for the feedback and will forward it to the appropriate committee Sincerely, Kalinda H [redacted]

[redacted] : Thank you for bringing this matter to my attention Our records indicate that the consumers claim was paid on 03/12/ If the consumer would like specific information regarding the refund, she may contact our Claim Department at [redacted] Thank you, [redacted] Claims Escalation Analyst Allianz Global Assistance

8/5/ Purchased through *** travel agency for Alaska cruise Youngest got sick with rotovirus night before departure flight so he stayed home with grandma Immediately provided all required documentation including doctors note upon return Three months later, still waiting on Allianz to pay "pending claim" requiring additional documentation needed They are now telling me that they need proof from my travel agent that no refund was received and travel agent is not being responsive How do I provr that I did NOT receive something and how is this a claim requirement?

[redacted] Thank you for forwarding this matter to my attentionWe apologize for any frustration the cancelation process may have caused the consumerThe premium is only refundable within days of purchaseThis information was included in the confirmation that was sent to the consumer.I regret that we are unable to provide a more favorable response at this timeSincerely, [redacted] Claims Escalation AnalystMayland DriveRichmond, Virginia 23233www.allianzassistance.com

Dear [redacted] , Thank you for bringing this matter to my attention Our insurance is offered for purchased on the [redacted] websiteIf the consumer did not want to purchase the insurance, the option to opt out would have been the option to choose /> The consumer also has the option to cancel the insurance plan by calling the Customer Service Department within days of the purchase I have forwarded the request to the Customer Service Department to have the policy canceled Thank you, [redacted] Claims Escalation Analyst Allianz Global Assistance

Dear Ms. [redacted] : Thank you for forwarding this matter to my attention. I apologize for any frustration the claims process may have caused. Our records indicate that the claim was finalized and paid under the Travel Delay benefit on March 8th after we received verification of the airlines for the cancelation. Sincerely, Kalinda H [redacted] Claims Escalation Analyst 9950 Mayland Drive Richmond, Virginia 23233www.allianzassistance.com

Dear [redacted] ***: Thank you for bringing this matter to my attention to my attention Please have the consumer provide her claim number so that we may address her concerns Thank you, [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.First, their insurance document says "unless there are unforeseen complications or problems with the pregancy."Where is "complication" defined so narrowly in this insurance document? In the very next line of their insurance, they define "physical complication," but they do not limit complications with a pregnancy to physical criteria"Complication" is NOT listed under their defined termThey seem to define as best fits the convenience of the denial of any given claimWhat qualifies as a "complication" with a pregnancy, if not a doctor warning you that a trip might result in the death of your unborn child?Even if we accept that "complication" is so narrowly defined, it is NOT the only criteria by which our situation is addressed within their insurance policyIt says, "OR PROBLEMS WITH THE PREGNANCY." Are they honestly arguing that a highrisk pregnancy is not an unforeseen problem? Second, on page of my policy, it says, "A doctor must examine you or a traveling companion and advise you or a traveling companion to cancel or interrupt your trip before you cancel or interrupt it." Our doctor identified two criteria by which she recommended we cancel our trip: past infertility, and a present high-risk pregnancyThis IS a highrisk pregnancy, present tenseThis pregnancy is not a pre-existing conditionOur doctor can tell you the exact date when we found out that we were pregnant 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, like any other insurance had terms, conditions and exclusions that impact coverage.... Specifically excluded from coverage was any loss arising directly or indirectly from an existing medical condition. These 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 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: · 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. The medical documentation on file indicated that the cause of loss was due to an excluded condition. As the insuring agreement excluded coverage for these conditions, I regret that we are unable to provide the consumer with a more favorable response. Sincerely, [redacted]

Dear [redacted] 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, [redacted] [redacted]

Dear [redacted] Thank you for forwarding this matter to my attention Our records indicate that the consumers claim has since been resolved by the Appeals Department Sincerely, [redacted] [redacted]

I purchased this policy for trip cancellation The trip was cancelled They refuse to honor the policy, when their advertising does not go in to cancellation reasons I should have just said I got stuck in traffic, then they would have paid But because I said that the host family called off the trip, they said the trip should still have happened Why? We decided to cancel it Cancelled trip = coverage This is the second time I have used this company and I never will again They never pay claimsThey are also condescending and rude when you deal with them

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 consumer sent in documentation to the Claim Department for review and the event was a covered lossAt this time, the claim has been resolved as of 10/22, the same date as the complaint Sincerely, [redacted] Claims Escalation Analyst [redacted]

[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 to the consumer As we were secondary to the common carrier 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 A determination letter from the airline is required in order for us to proceed with reimbursement as it is used to determine the amount of liability Unfortunately, without this document we are unable to proceed with the finalization of the consumers claim Sincerely, [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 consumer called and stated that he has faxed over the documentation 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.Dear [redacted] , Thank you for the timely manner in which you tried to handle my complaint against Allianz Global AssistanceTheir response is no different from what I expected and what I've already been told by themMore than personal financial gain, my strongest desire is that you take a look at their policy writing strategy and their business practiceYou can clearly see an example in what they copied from their own policy as their response to meI fail to see how the letter from [redacted] does NOT support my claim for reimbursement (letter is below) but continue to marvel at their deceptive, twisted policy writingI have wasted considerable time and stress over this and if nothing else, I plan to continue to spread the word not to use AllianzAs the Revdex.com I would ask that you inform your member that they are NOT living up to the standards for which the Revdex.com is recognizedTheir policy can not say one thing while their letter of confirmation says another and the two parts equal the whole (or should I say hole)The policy needs to reflect the truth and what one can expectOne portion can not cancel out the otherTravel insurance is expensive I urge you to spend a few minutes reading these complaints [redacted] THIS IS FROM [redacted] :March 20, To Whom It May Concern, [redacted] and [redacted] from confirmation [redacted] were scheduled to fly on [redacted] Flight # [redacted] on Saturday January 04, departing [redacted] (***) at p.mand arriving [redacted] (***) at p.m Due to inclement weather in our route path, their flight was cancelled and the earliest available date we could accommodate them on was Wednesday January 08, on Flight # [redacted] departing [redacted] at p.mand arriving [redacted] at p.m For any further details please contact our Reservations Team at [redacted] ( [redacted] ) Thank you for choosing [redacted] We look forward to a smoother flight experience in the near future Regards, [redacted] Customer Commitment Crew [redacted] [redacted] , I am NOT satisfied by the outcome but had little hope for anything elseI think Allianz is committing fraud and it is not in my nature to sit by and watch or be the brunt of it Regards, [redacted]

Dear Ms***,Thank you for forwarding this matter to my attentionI 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 describeUnfortunately, the venue cancelling the event is not covered by the policyYou 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 responseSincerely, [redacted] Claims Quality Assurance [redacted] ***Richmond, VA 23233www.allianzassistance.com

Long story short, we bought a flight for relatives and included Allianz InsuranceTwo days after we bought the policy, their kid ended up in urgent care, with foot, hand and mouth, which is highly contagiousWe had to cancel the flightFor the next two months, I had to make multiple calls with Allianz, always ending with requests for further documentation, even though they never notified me that they needed more documentationFinally it came down to a request for the date of onsetThat's apparently different than the date the kid went to urgent careIt took another month to get them to fax the urgent care center, with me calling both multiple timesFinally it came out that the doctor stated the date of onset as the very date we'd purchased the insurance, conveniently for Allianz, since the policy doesn't start until the day after you buy it if you purchase it onlineThat was the date that my mother-in-law noticed an undiagnosed spot on his face, which is what she told the doctorStill it was two days before he became ill and went to the urgent care, and two days before we had a diagnosis that prevented the flightThat little piece of semantics was enough to have our claim disqualifiedI guess my 70-year old mother-in-law should have had enough medical knowledge to diagnose a spot on a year old kid's faceSo, after three months of calling and prodding them, of never receiving promised notifications of receiving documents, of having to even do their job and call the urgent care center for a fax number, I had nothing to show for it, except a determination to never, never do business with Allianz againIn fact, we already had a policy for another trip insured through Allianz, which cost me almost $100, and I've already cancelled that policyThese guys are unethical shadesters who will do whatever it takes to keep from paying out for policiesI'm persistent, most people would have given up months agoThat's what Allianz banks on, that they can delay and delay, until people give up, or in our case, they have some BS reason to disqualify our claimIt cost me $to learn not to do business with this company, don't make my mistakeI'd give zero stars if it were an option