Dear Ms***:Thank you for forwarding this matter to my attentionWe apologize for the delay to the consumer’s initial response.Our records indicate that the policy was canceled as requestedSincerely,Kalinda H***Claims Escalation ExaminerMayland DriveRichmond, Virginia 23233www.allianzassistance.com
Dear Ms***,Thank you for bringing this matter to my attention We apologize for any frustration the consumer encountered during the claim process Our insurance programs, like any other type of insurance, include terms, conditions, and exclusions that impact coverage As such, we advise consumers at the time an online offer is made that these terms, conditions, and exclusions apply to the product We also provide them with a clickable link that allows them to preview a summary of information about the product as well as the full terms, conditions and exclusions of the insurance program prior to purchasing If the insurance offer is accepted, these same terms are sent via email to the email address provided at the time of purchase Moreover, we also make clear that the consumer may, for any reason, cancel the insurance and receive a premium refund within a 10-day “free-look” period by calling our toll free number, faxing, or emailing a written request In particular, the program excluded coverage for any claim arising directly or indirectly from an existing medical condition We defined an existing medical condition as any condition that the consumer, a traveling companion or a family member would have been treated for, or would have exhibited symptoms of, in the days prior to and including the date the insurance was purchased According to the medical documentation provided, the consumer began exhibiting symptoms of the condition which necessitated the cancellation of the trip within the day exclusionary period prior to and including the date insurance was purchased As such, this condition met the policy’s definition of an existing medical condition The insurance program included Existing Medical Condition Coverage, again subject to the plan’s terms and conditions However, based on the information received the requirements were not met and the claim was deniedI regret that we are unable to reverse our decision at this timeSincerely, Brian B***Claims Escalation ExaminerAllianz Global Assistance
Dear Ms***: Thank you for forwarding this matter to my attentionOur 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 receivedI have requested to have an email outlining the requested documentation sent to the consumer Sincerely, Kalinda H***Claims Escalation Analyst
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 The issue is this company did not mention anything about limitation and day grace period in any of their promotional advertisements more any of the emails I receivedThe company did not notify me about any terms and conditions to make matters worse I had [redacted] be extremely rude to meI tired to forward whom ever this added issue[redacted] ***Refused to help me when I asked.He kept interrupting me, speaking over me, he would ask a question then he refused jot allow me to answerHe belittle me by stating I was rude for interrupting him after he would ask a question then kept talkingHe started an insurance claim that was not authorized, (on the audio recording)he tried to bully me stating after I said all I want is a full refund due to the company advertisementHe did state that an email was sent to spam which gets deletedHe then sent me other unauthorized emailsI did not authorize creating a claim and the claim forms was sentI did not authorize any emails to be sent and they were still sentMy issue revolves around the bases that the company in the advertisement and the itinerary email (the only/original email I received) did not mention any of these terms, conditions, grace period, or future emails I needed to read.Because of advertisement, and lack of bring everything to my attention Regards, [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 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] ***
[redacted] Thank you for forwarding this matter to my attentionAccording to our records, the consumer’s policy was canceled and the credit card was refunded for the full cost of all four policies As the consumer has indicated that the bank has refunded the charges, they may request that the bank investigate the charges from their end to be sure that the funds transferred correctlySincerely, [redacted]
Dear Ms***, Thank you for supplying that information In review of this situation, we found that due to an issue with the vendor we were unable to refund the premium back to the credit card As such, we are having a check mailed to the customer that they should receive within 3-days via ***.Sincerely,Brian B***
Dear [redacted] : Thank you for forwarding this matter to my attentionWe apologize for any frustration the cancelation process may have caused the consumer We have located the consumer’s policy and documentation that was sent in for review The document is a screenshot of the consumer’s information from the rental agency but it did not state that the consumer was denied or did not rent the vehicle In order to process the request, the consumer would need to send in supporting documentation to the Customer Service department in order to have the policy canceledThis may be an email from the rental agency or a letter on [redacted] company letterhead If the consumer has any additional questions he may contact the Customer Service department at [redacted] or via telephone at [redacted] Sincerely, [redacted] Claims Escalation Analyst [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.received email on aug check was mailed and would be received 7-business days called today and was told an error occurred and it was sent a week laterRegards, [redacted]
Dear Ms***,The Finance Department has completed their review and corrected the errorThe consumer should see the charge reflected back on their credit card statement by the next billing cycle 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 find Aliianz's explanation for denying my claim weak at best, and a farce at worstBottom line is that I purchased an airline ticket for a flight that I was intending to take the very next day; and at the same time that I purchased the ticket, I bought travel insurance to cover myself for the few hours between the time of my ticket purchase and the time of my flightIf Allianz's travel insurance policies do NOT in fact take effect from the moment that they are purchased and paid for, then Allianz should make their customers & prospective customers aware of this fact BEFORE buy/pay for a policyAs for me, had I known about this delay in having my travel insurance take effect, I would NOT have purchased the policy at all...because I was intending to fly the very next day and the policy would have been essentially useless to meSo, as a rule and requirement, in the absence of apprising Allianz policy purchasers that their policy would not take effect immediately after purchase - AND MAKING US AWARE OF THIS FACT PRIOR TO THE TIME OF POLICY PURCHASE - Allianz MUST change their policy and make their policies effective from the moment that a customer purchases a travel insurance policyIn today's world, where customers can purchase their travel in real-time (i.ebuy now and travel within a few hours), it is INCUMBENT on companies like Allianz to make their customers (and prospective customers) aware of ALL the important facts, features, AND LIMITATIONS before an individual buys their productSimply sending an email/communication AFTER the purchase is categorically insufficient.I intend to pursue my case to WHATEVER LENGTHS THAT I NEED TO in order to get a fair and reasonable result and outcomeIf that means that I have to file a case with the ***, [redacted] , [redacted] , and/or the court of law, then I am fully prepared to do that 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:Thank you very much for your help! I checked the [redacted] website, and indeed the check has been re-issued 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: [email protected] 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] 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 DiegoYes, 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 Ms***: 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 delayed up to $per person, per dayPre-paid expenses are not covered under this benefitThe consumer filed a claim for pre-paid expenses which is why we were unable to honor the claim for reimbursementAt this time I regret that we are unable to provide the consumer with a more favorable response Sincerely, Kalinda H***Claims Escalation Analyst Mayland Drive Richmond, Virginia www.allianzassistance.com
Dear Mr [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 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 Mayland Drive Richmond, Virginia www.allianzassistance.com
[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: [email protected] Regards, [redacted] ***
Dear Mr [redacted] :Thank you for forwarding this matter to my attention.Our records show we last contacted you in July via e-mailYou were on this list because you opted to receive e-mails from 3rd party vendorsWe have added you to our "Do Not Solicit" file per this complaintI apologize for any frustration we may have caused you.Sincerely, [redacted] Quality AnalystClaims Quality AssuranceMayland DriveRichmond, VA 23233www.allianzassistance.com
Dear Ms***, Thank you for bringing this matter to our attention We apologize for any frustration this has caused the consumer We spoke with the consumer and have confirmed she has received the check.Sincerely, Brian B***
Dear Ms***: 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 in a closed status, it has not been finalizedIn 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, Kalinda H [redacted]
Dear Ms***:Thank you for forwarding this matter to my attentionWe apologize for the delay to the consumer’s initial response.Our records indicate that the policy was canceled as requestedSincerely,Kalinda H***Claims Escalation ExaminerMayland DriveRichmond, Virginia 23233www.allianzassistance.com
Dear Ms***,Thank you for bringing this matter to my attention We apologize for any frustration the consumer encountered during the claim process Our insurance programs, like any other type of insurance, include terms, conditions, and exclusions that impact coverage As such, we advise consumers at the time an online offer is made that these terms, conditions, and exclusions apply to the product We also provide them with a clickable link that allows them to preview a summary of information about the product as well as the full terms, conditions and exclusions of the insurance program prior to purchasing If the insurance offer is accepted, these same terms are sent via email to the email address provided at the time of purchase Moreover, we also make clear that the consumer may, for any reason, cancel the insurance and receive a premium refund within a 10-day “free-look” period by calling our toll free number, faxing, or emailing a written request In particular, the program excluded coverage for any claim arising directly or indirectly from an existing medical condition We defined an existing medical condition as any condition that the consumer, a traveling companion or a family member would have been treated for, or would have exhibited symptoms of, in the days prior to and including the date the insurance was purchased According to the medical documentation provided, the consumer began exhibiting symptoms of the condition which necessitated the cancellation of the trip within the day exclusionary period prior to and including the date insurance was purchased As such, this condition met the policy’s definition of an existing medical condition The insurance program included Existing Medical Condition Coverage, again subject to the plan’s terms and conditions However, based on the information received the requirements were not met and the claim was deniedI regret that we are unable to reverse our decision at this timeSincerely, Brian B***Claims Escalation ExaminerAllianz Global Assistance
Dear Ms***: Thank you for forwarding this matter to my attentionOur 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 receivedI have requested to have an email outlining the requested documentation sent to the consumer Sincerely, Kalinda H***Claims Escalation Analyst
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 The issue is this company did not mention anything about limitation and day grace period in any of their promotional advertisements more any of the emails I receivedThe company did not notify me about any terms and conditions to make matters worse I had [redacted] be extremely rude to meI tired to forward whom ever this added issue[redacted] ***Refused to help me when I asked.He kept interrupting me, speaking over me, he would ask a question then he refused jot allow me to answerHe belittle me by stating I was rude for interrupting him after he would ask a question then kept talkingHe started an insurance claim that was not authorized, (on the audio recording)he tried to bully me stating after I said all I want is a full refund due to the company advertisementHe did state that an email was sent to spam which gets deletedHe then sent me other unauthorized emailsI did not authorize creating a claim and the claim forms was sentI did not authorize any emails to be sent and they were still sentMy issue revolves around the bases that the company in the advertisement and the itinerary email (the only/original email I received) did not mention any of these terms, conditions, grace period, or future emails I needed to read.Because of advertisement, and lack of bring everything to my attention Regards, [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 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] ***
[redacted] Thank you for forwarding this matter to my attentionAccording to our records, the consumer’s policy was canceled and the credit card was refunded for the full cost of all four policies As the consumer has indicated that the bank has refunded the charges, they may request that the bank investigate the charges from their end to be sure that the funds transferred correctlySincerely, [redacted]
Dear Ms***, Thank you for supplying that information In review of this situation, we found that due to an issue with the vendor we were unable to refund the premium back to the credit card As such, we are having a check mailed to the customer that they should receive within 3-days via ***.Sincerely,Brian B***
Dear [redacted] : Thank you for forwarding this matter to my attentionWe apologize for any frustration the cancelation process may have caused the consumer We have located the consumer’s policy and documentation that was sent in for review The document is a screenshot of the consumer’s information from the rental agency but it did not state that the consumer was denied or did not rent the vehicle In order to process the request, the consumer would need to send in supporting documentation to the Customer Service department in order to have the policy canceledThis may be an email from the rental agency or a letter on [redacted] company letterhead If the consumer has any additional questions he may contact the Customer Service department at [redacted] or via telephone at [redacted] Sincerely, [redacted] Claims Escalation Analyst [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.received email on aug check was mailed and would be received 7-business days called today and was told an error occurred and it was sent a week laterRegards, [redacted]
Dear Ms***,The Finance Department has completed their review and corrected the errorThe consumer should see the charge reflected back on their credit card statement by the next billing cycle 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 find Aliianz's explanation for denying my claim weak at best, and a farce at worstBottom line is that I purchased an airline ticket for a flight that I was intending to take the very next day; and at the same time that I purchased the ticket, I bought travel insurance to cover myself for the few hours between the time of my ticket purchase and the time of my flightIf Allianz's travel insurance policies do NOT in fact take effect from the moment that they are purchased and paid for, then Allianz should make their customers & prospective customers aware of this fact BEFORE buy/pay for a policyAs for me, had I known about this delay in having my travel insurance take effect, I would NOT have purchased the policy at all...because I was intending to fly the very next day and the policy would have been essentially useless to meSo, as a rule and requirement, in the absence of apprising Allianz policy purchasers that their policy would not take effect immediately after purchase - AND MAKING US AWARE OF THIS FACT PRIOR TO THE TIME OF POLICY PURCHASE - Allianz MUST change their policy and make their policies effective from the moment that a customer purchases a travel insurance policyIn today's world, where customers can purchase their travel in real-time (i.ebuy now and travel within a few hours), it is INCUMBENT on companies like Allianz to make their customers (and prospective customers) aware of ALL the important facts, features, AND LIMITATIONS before an individual buys their productSimply sending an email/communication AFTER the purchase is categorically insufficient.I intend to pursue my case to WHATEVER LENGTHS THAT I NEED TO in order to get a fair and reasonable result and outcomeIf that means that I have to file a case with the ***, [redacted] , [redacted] , and/or the court of law, then I am fully prepared to do that 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:Thank you very much for your help! I checked the [redacted] website, and indeed the check has been re-issued 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: [email protected] 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] 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 DiegoYes, 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 Ms***: 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 delayed up to $per person, per dayPre-paid expenses are not covered under this benefitThe consumer filed a claim for pre-paid expenses which is why we were unable to honor the claim for reimbursementAt this time I regret that we are unable to provide the consumer with a more favorable response Sincerely, Kalinda H***Claims Escalation Analyst Mayland Drive Richmond, Virginia www.allianzassistance.com
Dear Mr [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 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 Mayland Drive Richmond, Virginia www.allianzassistance.com
[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: [email protected] Regards, [redacted] ***
Dear Mr [redacted] :Thank you for forwarding this matter to my attention.Our records show we last contacted you in July via e-mailYou were on this list because you opted to receive e-mails from 3rd party vendorsWe have added you to our "Do Not Solicit" file per this complaintI apologize for any frustration we may have caused you.Sincerely, [redacted] Quality AnalystClaims Quality AssuranceMayland DriveRichmond, VA 23233www.allianzassistance.com
Dear Ms***, Thank you for bringing this matter to our attention We apologize for any frustration this has caused the consumer We spoke with the consumer and have confirmed she has received the check.Sincerely, Brian B***
Dear Ms***: 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 in a closed status, it has not been finalizedIn 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, Kalinda H [redacted]
The Allianz Claim # is: [redacted] -***; the policy # is: [redacted] ;