Allianz Global Assistance (formerly Access America) Access America SCAM!!! Richmond, Virginia

I purchase insurance on November 3 along with my airline ticket for November 24. On November 23, my father was diagnosed with lung cancer.  

When I found out about my father's illness - I filled out their claim - and included the doctor's letter.  The doctor's letter stated, "my letter is to confirm your records that [the patient] was diagnosed on November 23, 2009.  The circumstance of your illness necessitate prompt treatment and would preclude any planned travel that you had to California over the holiday season.  Your illness is not a pre-existing condition that was present before you made your travel plans to California."

This is their reply,

"We understand when the first "diagnosis" was made.  (Note the quotations as to intimate that I am making this stuff up).  That is not the event that triggers the exclusion for existing medical conditions.  We need to determine when the symptoms that led to the diagnosis first appeared. There is nothing in the exclusion that requires a person to have an ultimate diagnosis for it to apply."

So what they are asking for is evidence for when the symptoms first appeared.  Well, as soon as the symptoms appeared - we took him to the hospital for diagnosis.  So the evidence is the diagnosis - which is what they refuse to accept.  As you can see, this is the sort of circular reasoning that they try and engage you in.. so that they do not have to honor their claims.

Ironically, all other family members --- who DID NOT purchase insurance have been able to refund their airline tickets.  I would have been better off not buying insurance.  When I googled "Access America" and scam or fraud... several stories popped up.  Don't just take my word for it... please investigate the issue yourself.