Terry's complaint:
November 16, 2012

Insurance Company: Allianz Global Assistance
Coverage Type: Travel Insurance

• Claim Handling - Delays upon Delays
• Claim Handling - Unsatisfactory Settlement/Offer
• Claim Handling - Denial of Claim
• Claim Handling - Unjustified Accusations

On January 30th, 2012 I booked a cruise to the Baltics and bought the airfare to fly to Coppenhagen on August 28, 2012 to get on the cruise ship. The tickets were purchased through Cheap Tickets and I bought their travel Insurance with the tickets through Allianz. On Feb. 26th, 2012, I went to the emergency room of the hospitol and was admitted with a rare lung disease. After six days they determined the disease and later in July I was still using oxygen and my pulmonolgist recommended I cancel my foreighn trip. I called Allianz and had the Pulmonoigist fill out there form which clearly stated that this was not due to any pre-existing condition. They then asked my primary care physician to fill out a form and he reiterated that I had no previous history or treatment of a lung disease. The emergency room doctors also indicated the same.
Allianz rejected my claim saying that even though the emergency room visit was clearly 26 days after I had taken out the insurance, that I must have had symptoms of breathing harder within the previous 120 days of taking out the insurance, and they had a clause in their fine print that stated that if the insured had any symptoms prior to taking out the insurance they could deny the claim.
This means that Allianz Global Assistance can deny any claim, especially for an older person, saying they must have had prior symptoms Have a heart attack, you must have had chest pain. Need hip or knee surgery, must have had prior pain.
MY STRONG RECOMMENDATION TO ANYONE READING THIS IS TO NOT BUY TICKETS THROUGH CHEAP TICKETS OR ANY OTHER ORBITZ SIGHT AND ESPECIALLY NOT WASTE YOUR MONEY ON THEIR ALLIANZ INSURANCE. I PAID ABOUT $95 FOR THE INSURANCE TO COVER ABOUT $1660 OF AIRFARE AND AM OUT BOTH THE INSURANCE PREMIUM AND THE AIRFARE! A final note, I also purchased insurance for the cruise portion of the trip and CSA TRAVEL INSURANCE paid this as soon as they got the first dr. report.

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