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.
Please review the attached document, which is what I saw when purchasing the insurance on the [redacted] site.  It says under the "how it works" heading "With Event Ticket Insurance, if you can't attend an event for any covered reason-such as illness, airline delays, traffic accidents and more, you'll get 100% of the ticket price returned to you."  There are no asterisks for disclaimers stating a doctor's visit would be required.  Just this heading stating that illness is an example of a covered reason.  Under tab 3 "How to Buy" it also does not say anything about how I should've received an email with a policy after purchase.  As you can see, it only says there will be a separate charge from Alliance Global.  I also looked on your site and do not see this policy readily available to read as you claim.  That isn't the point though, the document I'm showing you is what is on the [redacted] site about your insurance.  Your not honoring this I believe is a scam and criminal. 
Regards,
[redacted]

Dear Ms. [redacted],
Thank you for directing this matter to my attention.
The insurance offered on the [redacted] website is opt in, meaning that in order for us to receive the purchase information, the box would have had to be checked during the checkout...

process.Our records indicate that a refund has been processed for the consumer.
Thank you,
Kalinda H[redacted]
Claims Escalation Examiner, AGA

[redacted] Thank you for forwarding this matter to my attention. We 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 coverage. In particular, coverage was only provided if your primary residence was made uninhabitable due to flood. It 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]

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.
1.  [redacted] I was unable to attend, was held in Hershey, PA on SUNDAY, March 09, 2014 at 8:00 PM. I live in [redacted] PA 74 miles away.
2.  I became ill on SUNDAY, March 09, 2014 at approximately, 4:00 PM. My illness was gastrointestinal. I was sick to my stomach and had diarrhea for several
hours.  When I sufficiently recovered form the symptoms, I decided that it was best to remain in bed for the rest of the evening.
3.   I did not see a doctor’s attention for my illness for tow OBVIOUS reasons: firstly, it was Sunday and the office was closed; secondly, my illness was not severe
enough to intrude on the important work done in the emergency room of my local hospital.
4.  In live in a very rural area. There are no walk-in medical clinics or alternatives available… at all.
5.   It is wholly MY DECISION not a doctors as to whether or not I attend a concert if I am  not feeling well. If you think in my condition on Sunday evening that I should have driven 74 miles (148 miles round-trip) form my home in [redacted], PA to Hershey, PA.; you are sadly mistaken.
6.   I called your Customer Service Representative on Monday, March 10, 2014 and inquired as to how I should proceed with my claim. He suggested that I visit a walk-in
clinic; we have none. He did not “SAY I NEEDED TO HAVE AN EXAMINATION”.  He said. I should have the form filled out. I took him at his word and you see where that has gotten me! I did go to my local physicians office on Monday, March 10, 2014. My doctor was not in on that day. I left the form a requested that it be filled out,
explaining the circumstances.  They declined saying that a physician did not examine me. I am beyond frustrated with the runaround on partial information I am receiving form all parties concerned
7.   Your criteria are outrageous. Shame on you and your industry.
8.   Your policy should make clear that your illness should occur during your doctor’s office hours, when he is in his office and accepting appointments.
9.  You should honor my claim! 9. You should honor my claim!
Regards,
[redacted]

Dear [redacted],
 
The information provided does not include a receipt for the accommodation expense.
We have gone ahead and reimbursed the consumer for the gas expense incurred during the delay.
At this time, this is all that we are able to process.
 
Thank you,
 
[redacted]
Claims Escalation Analyst

Dear Ms. Stevens:
Thank you for forwarding this matter to my attention. I have contacted the Department and have been advised that the consumer has been contacted and the problem resolved.
Sincerely,
Kalinda H[redacted]
Claims Escalation Analyst
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.
The issue I had with this offer is that I have explained several times that the same tickets purchased on the first date were changed within an hour for the second date and I was never told by Allianz that I needed to change the insurance policy date when I changed the ticket date. Why would I pay insurance for tickets I no longer had? They should at least reimburse me for half considering they never stated this!
Regards,
[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. Specifically 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 trip.
According 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 expense. The consumer should expect reimbursement for this expense during the next 5 to 7 business days.      
Sincerely,
[redacted]

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
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. I am not sure why the consumer
was not able to review them.  The terms
were also emailed to the consumer. We show no error in that submission. The policy also
included a 10 day satisfaction guarantee period which enables consumers to look
over the policy and decide if it will meet their needs. If not, a request can
be made for the full refund of the premium.  As the 10 days have passed since the consumer
bought the policy, we are not able to issue a refund. The consumer may request
to reuse the policy for a different trip and inquire about a date change as the
dates of travel have not passed as of yet. Once the dates have passed the
consumer will not be able to request the change. For more information
about future use of the policy, the consumer may email the Sales
Support Department at [email protected],Kalinda
H[redacted]Claims
Escalation Analyst9950 Mayland Drive Richmond, Virginia 23233www.allianzassistance.com

Dear Mr. [redacted]:Thank you for forwarding this matter to my attention.Our records show we last contacted you in July 2014 via e-mail. You were on this list because you opted to receive e-mails from 3rd party vendors. We have added you to our "Do Not Solicit" file per this...

complaint. I apologize for any frustration we may have caused you.Sincerely,[redacted]Quality AnalystClaims Quality Assurance9950 Mayland DriveRichmond, VA 23233www.allianzassistance.com

Dear [redacted],
Thank you for bringing this matter to my attention.
 
In order for us to process the consumers claim we were in need of information from the Travel Agent.
Since last speaking with the consumer, we have received this information....


The consumer should receive reimbursement within the next 5 to 7 business days.
Thank you,
 
[redacted]
Claims Escalation Analyst
Allianz Global Assistance

[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]

[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 consumers insuring agreement included a named perils certificate which listed...

all perils that were covered under the policy.
 
Unfortunately, we were unable to provide coverage for the consumer’s loss because making changes to the insured trip itinerary due to weight restrictions imposed prior to the purchase of the trip was not listed as a named peril. These restrictions would have also been known prior to the purchase of the trip.
 
My review reflects that the claim was processed appropriately.
 
Sincerely
 
[redacted]
Claims Escalation Analyst
Allianz Global Assistance

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. 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.
Currently, we are not showing that a claim has been filed by the consumer.
 
We are unable to comment because we do not have the necessary documentation to adjudicate this claim and therefore cannot address the consumers concerns but to say that the terms itself were accessible prior to purchase.
 
We also include a 10 day satisfaction guarantee period which allows consumers to look over the policy and deicide if it will meet their needs. If not, the consumer is allowed to cancel the policy and receive a refund of the premium as long as it’s within the 10 days of purchase and they have not yet departed on their trip or filed a claim.
Thank you,
 
[redacted]

Dear [redacted],Thank you for forwarding this matter to my attention. We 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 you upon purchase on 10/31/2014. We show no error in that submission. The policy also included a 10 day satisfaction guarantee period which enables consumers to look over the policy and decide if it will meet their needs. If not, a request can be made for a full refund of the premium.  Upon review of all of the named perils that are listed in the insuring agreement, unfortunately, cancellations due to a change in your scheduled court appearance are not covered by the policy.I regret that we are unable to provide you with a more favorable response.  Sincerely,[redacted]Quality AnalystClaims Quality Assurance[redacted]

Dear Ms. [redacted]:

face="Times New Roman" size="3"> Thank you for forwarding this matter to my attention. We apologize for any frustration the claims process may have caused.
Our insurance, like any other insurance, had terms, conditions and exclusions that impact coverage. Specifically included in the terms were the following:

Your plan’s effective date depends on how you purchased it.
you purchased it’s effective:
in person the day and time you purchase your plan.
by mail the day after your application or other form is postmarked.
over the phone the day after you place your telephone order.
by fax the day after we receive your fax.
online the day after we receive your online order.

Trip cancellation coverage begins on your plan’s effective date, as long as we receive your
premium before you cancel your trip or make a claim.

The insuring agreement did not provide coverage for any illness or injury that occurred within the 120 days prior to the purchase of the insuring agreement.

Due to this reason, I regret that we are unable to overturn the denial of the claim at this time.


Sincerely,

Kalinda H[redacted]
Claims Escalation Analyst
9950 Mayland Drive
Richmond, Virginia 23233
www.allianzassistance.com
Tell us why here...

Dear Ms. [redacted]:
 

size="3">Thank you for forwarding this matter to my attention. We apologize for any frustration the claims process may have caused.
I have reviewed the claim and the proof of payment for all cost and changed and original trip itineraries did not come across legible. Once we receive these documents we can process the claim.
 
Sincerely,
 
Kalinda H[redacted]
Claims Escalation Analyst
 9950 Mayland Drive
Richmond, Virginia 23233
www.allianzassistance.com

[redacted],
According to our records, this claim was paid on May 28th after all necessary documenation was received.
Thank you,
[redacted]
Claims Escalation Analyst
Allianz Global Assistance

Dear Ms. [redacted]:
 

size="3">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 H[redacted]
Claims Escalation Analyst
9950 Mayland Drive Richmond, Virginia 23233www.allianzassistance.com

Dear [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 address provided.
 
At this time we do not have sufficient information on file to honor the consumers claim.
 
Additional documentation has been requested by the Claims Management Team. For any updates, the consumer should contact the Claim Department at [redacted]
 
Sincerely,
 
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]