Lakeland Properties And Management Inc

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 did not receive any offer from Allianz. They rejected my complaint because is inaccurate documentation compiled by them.
 
The nurse that completed the form was misinformed regarding the details included on the documentation. The December 10th date referred to in their response was the date of a regular annual mammogram checkup. Supplemental documentation was provided to Allianz to clarify that a regular checkup was performed on December 10, and that an actual diagnosis for cancer on January 13. This documentation received physician sign-off as well. Allianz has not acknowledged that and continues to point to the inaccurate dates. This is yet another reason why the service provided does not satisfy customers, and in fact, not reliable and do not offer what is promised in their agreements.
 
Revdex.com, please let me know what else I can provide to help resolve this matter. This is clearly upsetting as my mother was diagnosed with cancer and was not able to travel. Had we known this could have been the case, we would have never booked airline travel. 
Regards,
[redacted]

Do not buy this worthless insurance. It's a scam with all kinds of loopholes as to why we don't qualify for reimbursement for trip insurance. The airlines cancelled out connecting flight into BTV we had to take a bus from Newark to BTV arriving 12 hours behind schedule. The airline told us the cancellation was due to weather. According to the insurance company the airline had flights leaving that airport to other parts of the country so we don't qualify. I 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 solution. We paid $235.02 for this insurance. There were 6 of us traveling so we were out the airfare, one nights lodging, and one days auto rental.

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 consumer filed a claim for $160.00 in October 2015. We requested refund information from the consumer which we did not receive. Subsequently, the claim was finalized and paid in that amount on November 24, 2015 after we received verification directly from [redacted] of the refund amount that the consumer had received from them.
The claim is paid and closed.
Sincerely,
Kalinda H[redacted]
Claims Escalation Analyst
9950 Mayland Drive Richmond, Virginia 23233www.allianzassistance.com

I am SHOCKED that Allianz Global Assistance has a rating above 1. Do not waste your money. My claim was denied before it was even "reviewed" according to "customer no service". It is a scam and should be avoided!!!!!!!!!!!!!!!

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 from Allianz Global Insurance claim is erroneous. I did not claim the information that circumstances related to claim was provided by [redacted], but instead a representative from Allianz Global Insurance company. As is common with most insurance companies, their first line of defense is to deny the claim and ask for additional information. Having worked a number of years within the [redacted], this strategy keeps profit margins high and claims paid out low. Most complaints either give up due to the many man-hours being dedicated to fight such denials. I would never have purchased the policy unless it was applicable to my situation and confirmed by a representative from their company, not the airline service provider. I would not allow an airline service provider to confirm the policy guidelines of a third-party insurance provider due to my previous experience with insurance companies while serving as a manager for a durable medical equipment provider submitting claims to such an organization. I am an American Servicemember fighting for our country overseas and deserve better treatment than what I have received.
Regards,
[redacted]
[redacted]
[redacted]

Dear [redacted]:
 
Thank you for forwarding this matter to my attention.
 
As indicated in my previous response, the defintion of an existing medical condition is defined below:
 
                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;or
                · 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 documentation on file, the consumer’s Physician has indicated that symptoms for the condition that caused the loss began on 12/12/2013. The consumer’s insuring agreement was purchased on 01/08/2014, which means that the condition that caused the loss began during the 120 day exclusionary period and was thus excluded from coverage. The exclusion does not require a definite diagnosis.
 
My review does show that the proper decision was made in this matter.
 
Sincerely,
 
[redacted]
Claims Escalation Analyst
[redacted]
[redacted]
[redacted]

[redacted]
Please have the consumer include a policy or claim number so that we may further review.
Thank you,
[redacted]

Dear Ms. [redacted],
Thank you for forwarding this complaint to my attention. I apologize for any frustration this process has caused.
The insuring agreement required that the consumer be medically able to travel on the date of insurance purchase in order for existing medical conditions to be considered.
The claim department received a letter from the physician indicating the condition and recommendation for cancelation. As the documentation received was not enough to finalize the claim, a fax was sent to the doctor asking if the consumer was medically able to travel on the insurance purchase date, based on the condition which caused the loss. The doctor indicated "no".
Due to this, we are unable to honor the claim for payment. If the consumer feels as though the information we received is incorrect, we would accept a clarification document from the doctor indicating the proper information.
At this time, we are unable to overturn the denial of the claim. Best regards,
Kalinda H[redacted]

Dear Ms. [redacted]:
face="Times New Roman">Thank you for forwarding this matter to my attention.
Please have the consumer provide a claim or proper policy number so that we may address their concerns.
Sincerely,
Kalinda [redacted]
Claims Escalation Examiner
9950 Mayland Drive Richmond, Virginia 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.
Thank you for forwarding. 
The insurance reply is unacceptable. If we have known that the connecting flight to Dallas would be cancelled again, we would have not taken the flight to Minneapolis. I have reiterated that in my claim.
The first time Dallas flight was canceled, we were informed hence our flight from Minot to Minneapolis was cancelled as well. On the 2nd try to get to Dallas, the connecting flight was still good so we were able to get into Minneapolis. As we arrived to Minneapolis, we noticed that connecting flight was cancelled. It's not our fault that we were subjected to going to Minneapolis. If we wanted to go there we could have just driven. we didn't intend to go there therefore I demand a full refund of the ticket.
 
Regards,
[redacted]

Revdex.com:
I have reviewed the letter sent 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 feel no offer or solution was even attempted on Allianz’s part.
When speaking to representatives from Allianz to get reimbursed for  a cancelled trip, they kept asking me to go back and look at the policy that they sent me. I was told within this policy is a list of events that are covered (such as a court subpoena) under the “peril” policy, as well as, events NOT covered.  
 Well the term “deduction in pay” is not listed in events not covered also.
The term perils is used to describe the policy; and the word peril is defined as the dangers or difficulties that arise from a particular situation or activity. For me a decrease in pay of $500 a month is a difficulty that came about from the Government shutdown that affected the funding of my current place of employment. How can I justify spending money on a trip if my very livelihood had taken such a financial hit?
I don’t understand how a court subpoena can be considered a peril, but an unforeseen loss in pay due to circumstances beyond my control cannot!
I can’t believe Allianz wouldn’t even agree to reimburse me half the costs of the airfare. They aren’t even attempting to make me an offer.
Regards,
[redacted]

[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. These 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 24 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]
[redacted]
[redacted]
[redacted]
 [redacted]
[redacted]
[redacted]

I had a medical emergency with my mother and had to change my flight out of nj to Phoenix three days earlier.. My aunt flew out of San Diego and also had to change her flight she used a diff company and had a much easier time receiving her refund through travel guard... I submitted a form from the hospital and did not hear back from Allianz for over two weeks so I sent a second inquiry on my claim, still no response after several days.. I finally called.. Only to be told a date was missing on the hospital paperwork and without that date I will receive no refund.. I spoke with a supervisor Denise and explained the situation, that my mother is bedbound on hospice in Phoenix trying an alternative approach to treat her cancer getting the hospital paperwork would be difficult but I tried to explain the date I flew was the onset date which was not enough for a refund although my aunt and I submitted the same paperwork on our insurance claims.. She was refunded I was given a headache after several calls and emails no refund.. I would NOT recommend anyone use this company unless you're looking to throw away money on useless travel insurance filled with scams and loopholes .. Terrible

Dear Ms. [redacted],
Thank you for forwarding this complaint to my attention. I have notified our Bankcard Management team of this complaint. They will be reviewing and following up with the consumer.
Thank you,
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.They were notified not to contact me again.  Additionally, I am on the list of do not contact and do not call by anyone including third party. As far as last contact I don't as I send Allianz and email dated 2-24-14 to remove all mycontact information from their system See below copy of email:[redacted] (AllianzGlobal Assistance)CCmeFeb 20, 2014remove my all contactinfo and confidential info from you system I am no longerinterested in your product
Regards,[redacted]
P.S. I do not want them to contact me, directly, indirectly or by third party in an fashion. 
me
ToMerriman, Freda (Allianz Global Assistance)
CCme
Feb 20, 2014
remove my all contact info and confidential info from you system.
I am no longer interested in your product
 
Kyle Bruening
me
ToMerriman, Freda (Allianz Global Assistance)
CCme
Feb 20, 2014
remove my all contact info and confidential info from you system.
I am no longer interested in your product
 
Kyle Bruening
me
ToMerriman, Freda (Allianz Global Assistance)
CCme
Feb 20, 2014
remove my all contact info and confidential info from you system.
I am no longer interested in your product
 
Kyle Bruening

Dear [redacted]:
 
Our records indicate that the consumer has now been reimbursed for the change fees associated with their Trip Interruption claim.
 
Sincerely,
 
[redacted]
Claims Escalation Analyst
[redacted]

I purchased two tickets for a concert along with purchasing the option for a refund if need be. I'm permanently disabled but only 18% therefore my pain flares up sometimes. I felt find when I bought the tickets but my back flared up a couple days before the concert. I'm trying to use the refund option I paid for yet they won't even look into my claim until I have a doctors note. So now I have to make a needless appointment with my Dr., take time off from work to do so, and scan this note to my claim all to get my refund. They won't even consider my claim until I do so. This is absolutely ridiculous. If I find a way to file a complaint with the B.B.B. and/or elsewhere, I will do so.

Dear Ms. [redacted]:
face="Times New Roman">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 are readily available in the booking path prior to purchase.  The terms were also emailed to the consumer. We show no error in that submission.
The insuring agreement included a named perils certificate that included all covered reasons. According to the claim documents, the cause of loss was not listed as a named peril in the insuring agreement as loss tickets are not a covered reason. Due to this, we were unable to honor the consumers request for reimbursement. I regret that we are unable to provide a more favorable response at this time.
Sincerely,
Kalinda H[redacted]
Claims Escalation Analyst
9950 Mayland Drive
Richmond, Virginia 23233
www.allianzassistance.com

Dear Ms. [redacted]:
face="Times New Roman">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

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.
We were both lost our jobs and I was with my company for more then three years and I was the purchaser of the tickets !!!!
Regards,
[redacted]