Allianz Global Assistance or Allianz Travel Insurance Deceptive Travel Insurance Internet

I cancelled my return fight home after my father's oncologist said my father didn't have long to live. I purchased travel ins offered by Allianz when I purchased my on-line airline tickets. When I made my reservations, I knew my father was sick, but I did not know he was dying. I expected to visit him for two weeks and then return home.

My request for a refund was denied by a rep in the Travel Claims Dept who stated their insurance does not cover "pre-existing" conditions. A pre-existing condition is defined by "any illness/injury that a person was seeking or receiving treatment for or had symptoms of on the day the insurance was purchased, or at any time in the 120 days before it was purchased."

I sent an appeal stating the "pre-existing" information is not listed when clicking the box for travel insurance, but my appeal was denied by Brian Boyles, Claims Escalation Examiner. He stated I received an email from Allianz at the time I purchased airline tickets stating I had a 10 day "free-look" period and my email didn't bounce so they know I received it. Upon reading the email Mr. Boyles referred to, I clicked on the link to Allianz's website, but had to dig to find the coverage information which is in their Q&A section.

I purchased travel ins in good faith. Allianz's competitor, Aon Affinity, refunded my husband's return flight (he flew out a few days after I did) with the same set of circumstances. We believe Allianz's airline insurance program is deceptive and is not consumer friendly.