The terms and conditions of this company make it almost impossible to use this insurance.
I purchased this insurance because I had been treated for a pinched nerve in my neck and had been told that I would likely feel better by the time of the event. I paid the extra money for the insurance thinking that if I was in a situation where I couldn't make the event, I'd have the support of the event insurance to recover the loss of my tickets. Seems logical right? Well, logic doesn't prevail with Allianz. Greed seems to prevail.
When the time came for the event, my neck was killing me. I knew I couldn't sit through a two hour drive to NYC and the duration of the show. I hated not going. I had a friend in the show and had been looking forward to it. Allianz only added insult to injury.
I called Allianz to file a claim. The phone call went nicely enough... fill out some paperwork, have my doctor fill out paperwork... So, my doctor was kind enough to take time to complete the paperwork and I submitted mine to Allianz as well.
But, looking at the terms and conditions associated with the policy made it clear that this company would do anything possible to avoid paying me. If you have any illness-- even minor-- prior to the event, don't even bother buying the insurance. Even if a doctor fills out the paperwork, they will call it pre-existing conditions. Allianz has no concience.
I waited... and waited... for Allianz to contact me to complete the claim. Emails received no response. Finally, I received a letter in the mail denying my claim. Would a human being be so blatantly unkind to deny insurance to a person who is in pain?
This insurance was a waste of money and only frustrated me more when I was already in pain. I won't waste the money again.