Update by user Mar 12, 2013
the comment posted by a member of Allianz' so-called "help team" is anything but helpful. I do not need someone to walk me through the provisions of my policy.
I have read them, and: 1) the definition of "Emergency medical condition" is buried on page 26 of the; 27-page document; and 2) my mother's condition does not fall within that hidden definition; she was not experiencing symptoms of liver cancer before I purchased the policy. She was experiencing symptoms of flu. She has never been treated for liver cancer.
You should take a look at the ads that encourage travelers to buy your insurance.those ads -- on the same page where you click to purchase the insurance -- say: "Travel insurance -- Highly Recommended;" and "Get reimbursed up to 100% if you hve to cnacel or interrupt your trip due to illness." they also call travel insurance "one of the 10 best travel inventions of all time." That is not only highly misleading and deceptive; it is unethical given the huge disconnect between those ads and Allianz' extremely narrow construction of your policy. If you want to "help," pay my claim and stop playing bait and switch with travelers.
Original review posted by user Mar 12, 2013
My situation is very similar to a previously-filed complaint. My mother was hospitalized with an undiagnosed illness on January 14, 2013.
I purchased travel insurance on January 22, 2013. Two days later, my mother saw an oncologist for the first time. On January 31, she had a PET scan which showed that she has inoperable liver cancer. Allianz denied my claim because she was hospitalized prior to the cancer diagnosis.
However, we had no idea that she had cancer at that time, and believed that she would recover.
Her oncologist advised me to cancel my trip on February 19 because of the severity of my mother's condition. Nonetheless, Allianz treats her terminal cancer as a "preexisting condition." Funny, they don't mention that when consumers buy their worthless, so-called insurance.
Review about: Allianz Travel Insurance Claim.
Monetary Loss: $474.