Allianz Global Assistance Travel Insurance Used terms/condition loophole to not pay out on travel policy for luggage damage..

It pains me to do this. I have been using this travel company for insurance since 2019 and have had 8 policies through them from basic to premier. I have made claims 2019 and in 2020. I had made a baggage claim on my last trip for damage done to my bag and it was deigned. The wheel on my luggage bag was damaged on pavement in a public place while on the way to the cruise port walking across the street. I was told my damage would not be covered because they have the loopholes in their policy that stats

* Your plan requires you to take responsible steps to keep your baggage safe and intact and recover it if lost or stolen.

In other words, if you buy their policy's and your baggage gets damaged in any way or lost and stolen, they will not replace it. They will use this loophole in their terms and conditions to not pay out on the policy.  When I asked to provide me with an example of what would have been an expectable accident Where you see the client had taken responsible steps to make sure that it was safe and intact, that they would have paid out on representative refused to do so and when I asked if the wheel just happened to have fallen off, would that have been covered they would have called that wear and tear (I would agree that is wear and tear) I don’t know how I could have taken any more responsible steps while wheeling my luggage to make sure that didn’t happen.

The odd part is I had made a claim for this a long time ago and never had any issues back in 2019 the same thing happened to me. broken wheel and all on pavement due to a unseen pavement issue. I bet they did not have that clause in the contract then.

It saddened me to see a company use its terms in conditions in such a way they can weasel out of paying claims.

So even if your luggage is safe, secure in your possession and you have been walking on a good sidewalk, but your wheel got caught in a crack of pavement between another connecting path to the street. I guess that's not an accident but wear and tear or you were not making sure your luggage was secure and safe which I don’t know any way one can really do that except to carry their bag fully which defeats the point of wheels. That is the answer you will receive from Alliance Global Assistance for all your luggage damage claim needs.

I buy 2-3 policy’s a year that is several hundred dollars I will put into a company that doesn’t use terms and conditions to rob customers of their policy. I will suggest the one reading this review does the same.

Please submit your review to these other sites

-consumer affairs

-The Federal Trade Commission -one TFTC has enough neg reviews for things like this they will take action and investigate for consumers.

-google.com

- https://www.facebook.com/allianzglobalassistancecanada/

-trustpilot

_BBB