Lakeland Properties And Management

Do not buy this worthless insuranceIt's a scam with all kinds of loopholes as to why we don't qualify for reimbursement for trip insuranceThe airlines cancelled out connecting flight into BTV we had to take a bus from Newark to BTV arriving hours behind scheduleThe airline told us the cancellation was due to weatherAccording to the insurance company the airline had flights leaving that airport to other parts of the country so we don't qualifyI explained to the claims adjuster that the weather was in the part of the country that we were traveling and that there were no more available flights for several days, therefore, the bus solutionWe paid $for this insuranceThere were of us traveling so we were out the airfare, one nights lodging, and one days auto rental

The way Allianz sells insurance through the airlines is, if not a blatant scam, it is as close to unconscionable marketing as you could devise I label it a scamAllianz doesn't tell the customer what he has bought until they have the premiummoney The “cancel for any reason,” that is part of your promotion is then couched in obscure language about a review period that would not pass the smell test They, of course, know thatRather than send the confirmation notice under it's own name, it sends an email from donotreply.com name, which does not call the customer’s attention to the face that Allianz is keeping the premium unless you find your way through that labyrinth and discover that it is not “for any reason.” My reason is that I have a business conflict, but it doesn't rise to its list of "emergencies." So, we are stuckAllianz has the money I needed to cancel the trip for business reasons, [redacted] holds my $1,for the trip and I pay the $penalty when I rebook for another tripShame on Allianz and shame on [redacted] for letting them do this under their name

Dear [redacted] : Thank you for forwarding this matter to my attentionI apologize for any frustration the claims process may have caused the insured and offer our condolences on the passing of his family member Our insurance had terms, conditions and exclusions that impact coverageThese terms were readily available in the booking path prior to purchase and also emailed to the insured The terms indicated that the Trip Cancelation benefit went into effect the next day after purchase at 12:amUnfortunately, the loss occurred prior to the insurance effective date Also, the policy provided coverage for the death of a family memberUnfortunately, cousin was not included in the definition of a family member The claim has been reviewed and the proper decision was made 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

[redacted] Thank you for forwarding this matter to my attentionWe apologize for any frustration the claims process may have caused the consumer and offer our condolences on the passing of her family member Our insurance programs are like any other type of insurance in that there are terms, conditions, and exclusions that impact coverageIn particular, coverage was only provided if your primary residence was made uninhabitable due to floodIt did not provide coverage if your destination was made uninhabitable At this time, my review indicates that the proper decision was made and I regret that we are unable 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 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 clarificationIf 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

Dear [redacted] ***: Thank you for bringing this matter to my attention Our insurance requires verification of all causes of lossIn all cases when the cancelation is due to a medical reason, we require a completed Physician Statement form which is sent to all consumers with the initial claim documentation This form is very thorough and asks questions to ensure that the cause of loss would be one that is covered under the insuring agreement At this time, all we have on file is a letter from the doctor which does not provide the information that is needed to finalize the claimThe consumer was notified of this by email At this time, we are unable to complete our review without a completed Physician Statement form Thank you, [redacted] [redacted] Allianz 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 below.My hometown is [redacted] , [redacted] and that is what was inhabitable due to floodsIf you look at the coverage policy, this is what it states under "Environment"Home uninhabitable: Your primary residence is uninhabitable because of a natural disaster, fire, flood, burglary or vandalism.In addition, it should also fall under the below category because all flights to and from [redacted] airport were canceled due to floodsCanceled servicesYour airline, cruise line, or tour operator or travel supplier stops offering all services for at least consecutive hours where you’re departing,arriving or making a connection because of:? a natural disaster; or? severe weather.You can refer to the articles that I have submitted before showing the magnitude of the disasterIn addition, here are some more- [redacted] Regards, [redacted] ***

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 Examiner Mayland Drive Richmond, Virginia www.allianzassistance.com

Dear Ms***:Thank you for forwarding this matter to my attention.Our insurance, like any other insurance had terms, conditions and exclusions that impact the coverageThese terms were readily available in the booking path prior to purchase and also emailed to the consumer The certificate of insurance guide sent to the insured indicated the following:Please make sure you read these documents carefullyThis certificate may describe coverageyour plan doesn’t includeMake sure you review carefully your letter of confirmationContact usimmediately if you don’t receive your letter of confirmation or if you think there is a mistake.The letter of confirmation listed Baggage coverage and not baggage delay coverageThe information on file indicates the baggage was delayedAs the consumers loss did not evoke the coverage of the plan, we are unable to overturn the denial of the claimSincerely, [redacted]

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 included in those terms were the following: /> Your coverage ends on the earliest of: ? the day you’re scheduled to return; ? the day you actually return, if you come back earlier; ? the day and time you cancel your trip; or ? the 365th day of the tripAccording to the consumer’s policy, the policy effective date was 01/05-01/05/2014, which reflects a one way ticket We were unable to provide coverage for the items purchased because the expenses were incurred when the policy was no longer in effect Due to this, I regret that we are unable to overturn the denial of the claim for the baggage expense The Travel Delay claim for the incurred food expenses will be considered since this expense was incurred during the policy effective date and was a covered expenseThe consumer should expect reimbursement for this expense during the next to business days Sincerely, [redacted]

Dear [redacted] ***, Thank you for bringing this matter to my attention Our insurance, like any other insurance had terms, conditions and exclusions that impact coverage The coverage specifically provided coverage for a mechanical breakdown on that day of the event Unfortunately, without proof of the breakdown, we are unable to provide coverage for the loss The claim is currently pending for documentationThe consumer advised that the damaged tire was replaced by a spareIf the consumer can provide coverage to show a tire was purchased to replace the damaged tire we can reconsider the claim Thank you, [redacted] Allianz Global Assistance

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 damagedAs indicated in the previous communication, the benefit does not just pay out the maximum amount of the benefitWe 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 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 revokedWhile 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 companyIt'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] ***

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 hours and she contacted Allianz within the same 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

Allianz Global (Travel Insurance) did not consider an unexpected birth of a child that needed to be delivered within hours and weeks ahead of the due date a medical emergency That I guess does not qualify We filled out all the forms and still does not qualify I wish I would have come here first before purchasing their travel insurance (through ***), which I will never do again How they have an "A+" rating is beyond me they've had almost complaints in the last year It takes a lot for people to formally complain through the Revdex.com

Dear Ms [redacted] :Thank you for forwarding this matter to my attentionWe apologize for any frustration the claims process may have caused you.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 youWe show no error in that submissionThe 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 the full refund of the premium within that day period.Upon review of all of the named perils that are listed in your insuring agreement, unfortunately, being required to work is not included.I regret that we are unable to provide the consumer with a more favorable response Sincerely, [redacted] Quality AnalystClaims Quality AssuranceMayland DriveRichmond, VA 23233www.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 can't believe they do not stand behind their insurance productI was taking care of my Son going through Chemotherapy treatments that started October 27, and completed December 23, The treatments did not even span days nor was this requested days after the processI submitted my request for reimbursement per the terms of the insurance by January 10, How they cannot see that taking care of a loved one does not comply with their terms is absolutely absurdAlso it should not be required that my son's doctor provide personal and confidential patient informationI 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 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 reimbursementIf there is additional information you require please adviseHowever I am not satisfied with their response and still seek full reimbursement 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] 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 I was not offered an offer to accept or reject! They just reiterated their denial of my claim 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 coverage In particular, the coverage provided reimbursement for the death of a family memberFamily member was defined in the insuring agreement and unfortunately a cousin was not included in that definition 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 Mayland Drive Richmond, Virginia www.allianzassistance.com