Allianz American Airlines Trip Insurance Misleading website, terms unclear until you attempt to file a claim Internet
We never buy trip insurance and after this experience we will never buy trip insurance.
My husband was admitted to the hospital the weekend before our trip. I went to the Allianz website and scoured it to see if it was too late to buy insurance. No where on the web site or documentation did it say he needed to be fit for travel before buying - so I shelled out the $160.00.
When I filed my claim I was told he would have needed to be fit for travel before the date I bought the insurance. I also cannot get a refund because the date has past.
I'm not saying not to get trip insurance --- but really make sure your circumstances are going to allow you to file a claim. I feel that these terms were not well laid out and in the future I am going with my gut and save the money for the cancellation fees I am going to have to pay the airlines anyway.
1 Updates & Rebuttals
Access America Help Team
USAJackie, Help Team
#2UPDATE Employee
Fri, June 01, 2012
Hello,
Jackie from the Help Team here. We're sorry to hear that your husband had to be hospitalized, and we wish him a healthy recovery. I'm sorry we were unable to provide you with coverage in your situation, however, I'd like to point out that travel insurance is like any other type of insurance in that there are terms, conditions and exclusions that affect coverage. Further, we offer each of our customers a 10-day free look, so they have the opportunity to cancel the policy at no cost if it doesn't meet their needs. We offer this to ensure our customers have time to carefully review their policy, and assess whether it will provide them with the coverage they need during their travels.
Should you have additional questions on the outcome of your claim, or if you'd like to get a better understanding of the policy you purchased, please call our customer service line at 1-800-419-8016. Once again, we apologize we were unable to cover you in your situation, and we wish your husband a healthy recovery.
Regards,
Jackie, Help Team