Wish I could make the same happy comments as the previous reviewer but find I am very confused and upset by the decision to refuse my claim that was recently made by Allianz. I will say upfront that the staff are lovely and kind, and very empathetic, but, the reason for my claim being rejected just does not make any sense to me.
In July 2013 I booked three plane tickets to go to Hong Kong for an operation that cannot be done in Australia (non-bone breaking bunion surgery) my two sisters were coming with me so they could look after me on the way home.
I was told in August I needed a stent placed in one of my heart arteries and as a result was put onto blood thinners. This meant I had to cancel my operation because of the risk of excessive bleeding. My claim was rejected. But this is where I have trouble understanding the logic for the refusal. The policy I took out clearly states:
"We will pay your cancellation fees and lost deposits for travel and accommodation arrangements that you have paid in advance and cannot recover in any other way if your Journey is cancelled or shortened at any time through circumstances neither expected nor intended by you and outside your control."
What happened to me was certainly "neither expected nor intended and was outside my control" and yet I have been told that " "We will not pay under any circumstances if: (17) you take a blood-thinning medication such as Warfarin (also known under the brand names Coumdin, Jantov Marevan, and Waran)" I do note that I am not on any of the above, a different name altoghether!
I was not on this medicine when I made the booking and did not know I would be put on the medicine and now I am over $3.8k out of pocket and feel I have done nothing wrong, I do not understand the logic for the refusal, based on the comments above it suggests to me that Allianz can always refuse a claim simply by ignoring the fact that the medicine was not being taken at the time of the booking. My reason for letting people know is that I would like to think other people will avoid taking out insurance with Allianz as they do not honour their own policy.