Dear Ms. [redacted]: Thank you for forwarding this matter to my attention. Our records indicate that the consumers claim number is [redacted]. As the insuring agreement included a named perils certificate, the consumer is required to send in verification of the incident that caused the...
loss, proof of payment for the trip cost and the itinerary. Once received, the Claim Department will review all documents to determine if the consumer canceled for a covered reason. As of today, no documents have been received. I have requested to have an email outlining the requested documentation sent to the consumer. Sincerely, Kalinda H[redacted]Claims Escalation Analyst
Dear Ms. [redacted]: Thank you for forwarding this matter to my attention. We apologize for any frustration the claims process may have caused the insured's family and offer our condolences on their loss. Review of the claim indicates that the cause of loss was due to illness, which is why...
we cannot accept an obituary because the death occurred after the travel dates. We understand that the form can not be completed so we have agreed to accept the admission and discharge papers to be sure that the cause of loss is a reason that is covered under the policy. At this time, we still have not received the admission and discharge papers. Once the Claim Department receives them, we will be able to move forward with the claim processing. Sincerely, Kalinda H[redacted]Claims Escalation Examiner 9950 Mayland Drive Richmond, Virginia 23233 www.allianzassistance.com
Dear Ms. [redacted]:Thank you for forwarding this matter to my attention. We apologize for any frustration the claims process may have caused the consumer. Our records indicate that the consumer has received a full refund from the travel supplier. We have subsequently canceled the policy and refunded...
the consumer the premium cost. Sincerely,Kalinda H[redacted]Claims Escalation Analyst 9950 Mayland Drive Richmond, Virginia 23233 www.allianzassistance.com
Dear Ms. [redacted]:Thank you for forwarding this matter to my attention. We apologize for any frustration the cancelation process may have caused the consumer.I have requested to have the policy canceled. Please advise the consumer that it may take up to one billing cycle to see the credit from the...
Dear Ms. [redacted]: Thank you for forwarding this matter to my attention. We 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 Delay. The...
Travel Delay benefit provides reimbursement for additional accommodations and transportation expenses you incur while you are delayed up to $150.00 per person, per day. According to the documentation on file, the consumer incurred a one day delay due to an airline discrepancy. This event triggered coverage under the Travel Delay benefit for the delay on 12/29/15. The consumer then changed the return flight as a personal decision but a delay by the airline did not cause their return flight to be delayed. The charges resulting from the decision to change the return flight to one day later would not be covered. Due to this reason, the claim was reimbursed $300.00. At this time I regret that we are unable to provide the consumer with a more favorable response. Sincerely, Kalinda H[redacted]Claims Escalation Analyst 9950 Mayland Drive Richmond, Virginia 23233 www.allianzassistance.com
Dear Ms. [redacted]:Thank you for the email. When we stated the insured should have definitely received a refund by now, that was indicating that there was an error somewhere.I have since contacted the Finance Department and they confirmed a refund on the same date of purchase but also located a different policy for the consumer on the same day which occurred when the policy was purchased. As there were two separate policies that were set up, we have requested to have the other one canceled. The consumer was never charged for the one that was canceled on the same day of purchase.This should rectify the problem and the consumer should receive a credit back to the account.Thank you, Kalinda H[redacted]
Dear Mr. [redacted]Thank you for bringing this matter to my attention. Our records indicate that the consumers check was reissued yesterday after the stop payment process was completed. The consumer should allow 5 to 7 business days to receive the check in the mail.Regards,Kalinda H[redacted]Claims...
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.
After reading the reply, I have to...
beg the differ with the gentleman. He stated, the formation was sent out prior to purchasing the ticket, that's so untrue, you cannot get the information reference the ticket. The customer service representative mentioned it to me when I was trying to get info on submitting my claim. Also, what person doesn't have a pre-existence condition, that should be referenced in the option block when they have the option for insurance. A company that descriminates for pre-existence conditions is unethical. Thank God for ACA! We should all be offered and treated without stipulation and be 100% non pre-existence any type of conditions including family members and matters.Why would they offer coverage but exclude vs include!Thank you for your assistance.[redacted] Their policies should be written like other policies that accept claims without stipulations!
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 would like a transcript of the phone call I had with the original representative who told me that my insurance covered my staying longer in San Diego. Yes, the transcript is the sticking point. They claim that there was no mention of my grandson's condition in the original conversation regarding being cover by the insurance policy. I believe there was and the transcript of the phone conversation is the only way to prove that. Now whether they will provide that or not is the issue. So, yes, that is the only request now.
Dear Mr. [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 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 the consumer. We show no error in that submission. According to the documentation on file, the cause of loss was not due to a named peril of the insuring agreement. Our review indicates that the proper decision was made and I regret that we are unable to provide the consumer with a more favorable response. Sincerely, K[redacted] Harmon Claims Escalation Analyst 9950 Mayland Drive Richmond, Virginia 23233 www.allianzassistance.com
Dear Ms. [redacted]: Thank you for forwarding this matter to my attention. We apologize for any frustration the claims process may have caused the consumer. . The following was sent to the consumer in June 2016. "We have completed our review of your claim. Based on the claim...
documents you submitted and your policy coverage, we are unfortunately unable to issue payment for the full amount of your claim. Please see details below: Amount Claimed: $3,683.60Amount Paid: $260.40 Reason: •This payment is to reimburse you the additional transportation expenses you incurred. We are unable to reimburse the original, used portion of your flights and cruise." We are unable to reimburse for the used portions of the flight and cruise as the benefit reimburses for the unused pre-paid trip portions. As the consumers trip was interrupted, we would only reimburse for the portion that wasn't used and wasn't refundable by the travel suppliers. At this time, we are unable to issue reimbursement with the current documentation on file. We can consider additional expenses upon receipt of proof of payment for additional meals, additional transportation expenses, additional hotels, and/or unused, prepaid trip expenses. Sincerely, Kalinda H[redacted]
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. I have provided on more than 1 occasion proof that my wife's pregnancy is currently experiencing complications (which was the reason to cancel the trip - not to avoid complications, but to not compound them). We have send in a HIPPA release as well so that Allianz can review themselves. In discussing with them, they had no medical professionals on hand to review, they were simply looking for a specific diagnosis code. As it stands currently, my wife needs to take injections daily to prevent her from going into labor. My wife's doctor advised us that taking any type of long trip (plane or otherwise) was ill advised as it most likely would trigger an early labor scenario, which in turn would have resulted in many complications for both my wife and child. Frankly, I find it offensive that Allianz suggested (verbally to me on the phone), that I should have had my wife board the flight and go into significant preterm labor - as that would have been covered. The message I received was essentially that I should have put both my wife and baby's health at risk (and caused Allianz significant cost). Frankly, every conversation I have had with Allianz has demonstrated a high level of ignorance, and general disregard for human life. If their service only covered certain diagnostic codes, that should have been spiked out in the agreement instead of using general verbiage.
Regards,
[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 me. I would appreciate the business considering reimbursing the $110 lodging rate plus $24.65 tax amount; in addition to original insurance fee. I will wait for the business to perform the agreed upon action and hope they will consider reimbursement of all items; if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].
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:
The response is probably correct but their response definitely doesn't meet the smell test. I will never purchase travel Insurance from them again and have apprised [redacted] of the fact. [redacted] has received my complaint concerning this company and their policies. I do thank the Revdex.com for trying to assist me with this matter..
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 me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].
Regards,
[redacted]
Dear [redacted] Thank you for forwarding this matter to my attention. I apologize for any frustration the claims process may have you.Our insurance, like any other insurance, has terms, conditions and exclusions that impact coverage. Specifically included in those terms were the following: You file a report giving a description of the property and its valuewith the appropriate local authorities, common carrier, hotel or tour operator within 24 hours of the loss.According to the claim documentation, this requirement was not met. At this time I regret that we are unable to provide you with a more favorable response. [redacted]
[redacted]
Dear Ms. [redacted] : Thank you for forwarding this matter to my attention. We apologize for any frustration the consumer may have endured. Our records indicate that there was an error with the address on the first check and another one has since been sent to the consumer. If the consumer has...
not received that check she should contact the Claim Department at 800-334-7525 and request to have that check voided and the next payment expedited with a tracking number. Sincerely, Kalinda H[redacted]Claims Escalation Examiner 9950 Mayland Drive Richmond, Virginia 23233 www.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.Please find the attached copy of my credit card expenses from the date the travel insurance was purchased (5/13/15) (4) policies of $4.99 each. The SAME day the insurance was canceled since I DID NOT want it and as you can see only 1 credit of $4.99 was credited to my account. I even enclosed the FULL month of my credit card transactions so that you could see they DID NOT credit the remaining 3 policies of $4.99 each. My bank [redacted] would NEVER deny a credit on my open active account. This has NOTHING to do with my bank and wait to hear from someone to rectify this situation!!
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]
Their advertisement is misleading. It should say up front if you have to cancel for medical reasons you must have a doctor's note. The omission is mis-leading.
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.
I have not received any information from this company regarding this matter. I have attached the documents that I received online because I wasn't receiving any emails from them. I received two rejection letters in the mail after I complained but never received the policy. Company told me it was my fault because their email was not sending to me. But its' not my fault that your website didn't display any policy information when I needed it.
Regards,
[redacted]
Dear Ms. [redacted]: Thank you for forwarding this matter to my attention. Our records indicate that the consumers claim number is [redacted]. As the insuring agreement included a named perils certificate, the consumer is required to send in verification of the incident that caused the...
loss, proof of payment for the trip cost and the itinerary. Once received, the Claim Department will review all documents to determine if the consumer canceled for a covered reason. As of today, no documents have been received. I have requested to have an email outlining the requested documentation sent to the consumer. Sincerely, Kalinda H[redacted]Claims Escalation Analyst
Dear Ms. [redacted]: Thank you for forwarding this matter to my attention. We apologize for any frustration the claims process may have caused the insured's family and offer our condolences on their loss. Review of the claim indicates that the cause of loss was due to illness, which is why...
we cannot accept an obituary because the death occurred after the travel dates. We understand that the form can not be completed so we have agreed to accept the admission and discharge papers to be sure that the cause of loss is a reason that is covered under the policy. At this time, we still have not received the admission and discharge papers. Once the Claim Department receives them, we will be able to move forward with the claim processing. Sincerely, Kalinda H[redacted]Claims Escalation Examiner 9950 Mayland Drive Richmond, Virginia 23233 www.allianzassistance.com
Dear Ms. [redacted]:Thank you for forwarding this matter to my attention. We apologize for any frustration the claims process may have caused the consumer. Our records indicate that the consumer has received a full refund from the travel supplier. We have subsequently canceled the policy and refunded...
the consumer the premium cost. Sincerely,Kalinda H[redacted]Claims Escalation Analyst 9950 Mayland Drive Richmond, Virginia 23233 www.allianzassistance.com
Dear Ms. [redacted]:Thank you for forwarding this matter to my attention. We apologize for any frustration the cancelation process may have caused the consumer.I have requested to have the policy canceled. Please 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. [redacted]: Thank you for forwarding this matter to my attention. We 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 Delay. The...
Travel Delay benefit provides reimbursement for additional accommodations and transportation expenses you incur while you are delayed up to $150.00 per person, per day. According to the documentation on file, the consumer incurred a one day delay due to an airline discrepancy. This event triggered coverage under the Travel Delay benefit for the delay on 12/29/15. The consumer then changed the return flight as a personal decision but a delay by the airline did not cause their return flight to be delayed. The charges resulting from the decision to change the return flight to one day later would not be covered. Due to this reason, the claim was reimbursed $300.00. At this time I regret that we are unable to provide the consumer with a more favorable response. Sincerely, Kalinda H[redacted]Claims Escalation Analyst 9950 Mayland Drive Richmond, Virginia 23233 www.allianzassistance.com
Dear Ms. [redacted]:Thank you for the email. When we stated the insured should have definitely received a refund by now, that was indicating that there was an error somewhere.I have since contacted the Finance Department and they confirmed a refund on the same date of purchase but also located a different policy for the consumer on the same day which occurred when the policy was purchased. As there were two separate policies that were set up, we have requested to have the other one canceled. The consumer was never charged for the one that was canceled on the same day of purchase.This should rectify the problem and the consumer should receive a credit back to the account.Thank you, Kalinda H[redacted]
Dear Mr. [redacted]Thank you for bringing this matter to my attention. Our records indicate that the consumers check was reissued yesterday after the stop payment process was completed. The consumer should allow 5 to 7 business days to receive the check in the mail.Regards,Kalinda H[redacted]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.
After reading the reply, I have to...
beg the differ with the gentleman. He stated, the formation was sent out prior to purchasing the ticket, that's so untrue, you cannot get the information reference the ticket. The customer service representative mentioned it to me when I was trying to get info on submitting my claim. Also, what person doesn't have a pre-existence condition, that should be referenced in the option block when they have the option for insurance. A company that descriminates for pre-existence conditions is unethical. Thank God for ACA! We should all be offered and treated without stipulation and be 100% non pre-existence any type of conditions including family members and matters.Why would they offer coverage but exclude vs include!Thank you for your assistance.[redacted] Their policies should be written like other policies that accept claims without stipulations!
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 would like a transcript of the phone call I had with the original representative who told me that my insurance covered my staying longer in San Diego. Yes, the transcript is the sticking point. They claim that there was no mention of my grandson's condition in the original conversation regarding being cover by the insurance policy. I believe there was and the transcript of the phone conversation is the only way to prove that. Now whether they will provide that or not is the issue. So, yes, that is the only request now.
Dear Mr. [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 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 the consumer. We show no error in that submission. According to the documentation on file, the cause of loss was not due to a named peril of the insuring agreement. Our review indicates that the proper decision was made and I regret that we are unable to provide the consumer with a more favorable response. Sincerely, K[redacted] Harmon Claims Escalation Analyst 9950 Mayland Drive Richmond, Virginia 23233 www.allianzassistance.com
Dear Ms. [redacted]: Thank you for forwarding this matter to my attention. We apologize for any frustration the claims process may have caused the consumer. . The following was sent to the consumer in June 2016. "We have completed our review of your claim. Based on the claim...
documents you submitted and your policy coverage, we are unfortunately unable to issue payment for the full amount of your claim. Please see details below: Amount Claimed: $3,683.60Amount Paid: $260.40 Reason: •This payment is to reimburse you the additional transportation expenses you incurred. We are unable to reimburse the original, used portion of your flights and cruise." We are unable to reimburse for the used portions of the flight and cruise as the benefit reimburses for the unused pre-paid trip portions. As the consumers trip was interrupted, we would only reimburse for the portion that wasn't used and wasn't refundable by the travel suppliers. At this time, we are unable to issue reimbursement with the current documentation on file. We can consider additional expenses upon receipt of proof of payment for additional meals, additional transportation expenses, additional hotels, and/or unused, prepaid trip expenses. Sincerely, Kalinda H[redacted]
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. I have provided on more than 1 occasion proof that my wife's pregnancy is currently experiencing complications (which was the reason to cancel the trip - not to avoid complications, but to not compound them). We have send in a HIPPA release as well so that Allianz can review themselves. In discussing with them, they had no medical professionals on hand to review, they were simply looking for a specific diagnosis code. As it stands currently, my wife needs to take injections daily to prevent her from going into labor. My wife's doctor advised us that taking any type of long trip (plane or otherwise) was ill advised as it most likely would trigger an early labor scenario, which in turn would have resulted in many complications for both my wife and child. Frankly, I find it offensive that Allianz suggested (verbally to me on the phone), that I should have had my wife board the flight and go into significant preterm labor - as that would have been covered. The message I received was essentially that I should have put both my wife and baby's health at risk (and caused Allianz significant cost). Frankly, every conversation I have had with Allianz has demonstrated a high level of ignorance, and general disregard for human life. If their service only covered certain diagnostic codes, that should have been spiked out in the agreement instead of using general verbiage.
Regards,
[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 me. I would appreciate the business considering reimbursing the $110 lodging rate plus $24.65 tax amount; in addition to original insurance fee. I will wait for the business to perform the agreed upon action and hope they will consider reimbursement of all items; if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].
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:
The response is probably correct but their response definitely doesn't meet the smell test. I will never purchase travel Insurance from them again and have apprised [redacted] of the fact. [redacted] has received my complaint concerning this company and their policies. I do thank the Revdex.com for trying to assist me with this matter..
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 me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].
Regards,
[redacted]
Dear [redacted] Thank you for forwarding this matter to my attention. I apologize for any frustration the claims process may have you.Our insurance, like any other insurance, has terms, conditions and exclusions that impact coverage. Specifically included in those terms were the following: You file a report giving a description of the property and its valuewith the appropriate local authorities, common carrier, hotel or tour operator within 24 hours of the loss.According to the claim documentation, this requirement was not met. At this time I regret that we are unable to provide you with a more favorable response. [redacted]
[redacted]
Dear Ms. [redacted] : Thank you for forwarding this matter to my attention. We apologize for any frustration the consumer may have endured. Our records indicate that there was an error with the address on the first check and another one has since been sent to the consumer. If the consumer has...
not received that check she should contact the Claim Department at 800-334-7525 and request to have that check voided and the next payment expedited with a tracking number. Sincerely, Kalinda H[redacted]Claims Escalation Examiner 9950 Mayland Drive Richmond, Virginia 23233 www.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.Please find the attached copy of my credit card expenses from the date the travel insurance was purchased (5/13/15) (4) policies of $4.99 each. The SAME day the insurance was canceled since I DID NOT want it and as you can see only 1 credit of $4.99 was credited to my account. I even enclosed the FULL month of my credit card transactions so that you could see they DID NOT credit the remaining 3 policies of $4.99 each. My bank [redacted] would NEVER deny a credit on my open active account. This has NOTHING to do with my bank and wait to hear from someone to rectify this situation!!
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]
Their advertisement is misleading. It should say up front if you have to cancel for medical reasons you must have a doctor's note. The omission is mis-leading.
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.
I have not received any information from this company regarding this matter. I have attached the documents that I received online because I wasn't receiving any emails from them. I received two rejection letters in the mail after I complained but never received the policy. Company told me it was my fault because their email was not sending to me. But its' not my fault that your website didn't display any policy information when I needed it.
Regards,
[redacted]