DEAR RESOLUTION OF TRAVEL PROBLEMS: Earlier than the pandemic, I paid $ 1,025 for an annual journey insurance coverage coverage via Allianz for my spouse and myself. She is 70 years outdated and I’m 80. Then COVID-19 appeared and we needed to cancel the whole lot we deliberate to do in Europe. Then our politics turned ineffective.
I requested Allianz if we may carry over our coverage to subsequent yr when the journeys appear to return. The corporate supplied a 90 day extension, however it’s clear that there can be no journeys for us throughout these 90 days. I would really like your assist to get a refund for the ineffective journey insurance coverage or to increase the coverage for one more yr when it appears like we are able to really make use of it.
– Durndord King, Santa Monica, California
ANSWER: I am sorry you needed to cancel your journey to Europe. You’d suppose that your journey insurance coverage could be refundable, however typically it isn’t.
Allianz journey insurance coverage present protection for any journey that takes place greater than 100 miles from your own home and that happens throughout the time period of the coverage. So it might even have utilized to your travels throughout the US to go to family and friends throughout the summer season and on trip. If you wish to cancel your annual journey insurance coverage, you are able to do so for any motive and obtain a prorated premium refund.
It seems you requested an extension of your coverage. Allianz supplied extensions throughout the pandemic on a case-by-case foundation, providing him an extra 90 days of protection. However he instructed an Allianz consultant that he could not use the additional 90 days, which is completely comprehensible.
Journey insurance coverage firms have some flexibility with regards to requests like yours. You could possibly have appealed to Allianz on-line (I like to recommend a written enchantment with any documentation). He may even have appealed to an Allianz govt. I checklist their names, numbers, and e mail addresses on my shopper advocacy website at www.elliott.org/company-contacts/allianz/.
By the way in which, I’ve the identical annual coverage as you. It makes good sense for vacationers who take a number of journeys in a yr.
Sadly, the time for a prorated refund had already handed if you contacted me, and a 90-day extension wouldn’t have been useful. The phrases of buying his journey insurance coverage have been clear, however he was asking the corporate to bend a rule throughout a pandemic. I believe it was a good request.
I contacted Allianz on his behalf. One consultant stated that as a “one-time consideration” he would reimburse his plan in full.