Two separate bad experiences - Insurers will weasel out of everything if they can
I have a Bank credit card overseas travel policy which is underwritten by Allianz; hence any claims are made on Allianz. I have made two separate claims:
1. My mother suddenly fell ill after booking a holiday and declined over about 6 months and then died. The illness was related to a pre-existing condition but the Doctor confirmed in writing that my mother was not expected to suddenly decline and die. Allianz rejected the claim on the basis that it was a pre-existing condition; life is a pre-existing condition! This was 2 years ago. The warni...ng is that they will use anything like this to avoid a payout. 2. We booked a (very expensive!) overseas trip and had to cancel because of COVID border closures. The booking was before COVID was declared a pandemic. Allianz declined travel insurance as they only cover defined events and this was not defined. Again, beware of these sort of things before you buy their insurance. The lesson for me is to be very careful about choosing travel insurance products. Allianz has many 'get out of jail clauses' but others may be just as had as well.
Allianz backed Westpac Visa Credit Card Travel Insurance - A Farce
Waited 3 months for their processing and finally, I get an answer today.
Claim assessed and not accepted - Reason given - due to Covid19.
I purchased the holiday package in 2018, almost 2 years ago.
All other 11 persons in our travel group have had their claims accepted by the other Insurance companies, while mine is the only one supposedly covered by Allianz backed Westpac Visa Credit Card and is not.
Have heard of dreadful stores of this insurance company before, but this is my first and will obviously be my last, including my 25 year relationship with Westpac.
Sad & deplorable state of affairs. Shame on you.
Like the other reviews - I will support a class action.
They will deny and reject claims - their PDS covers every permutation in their favor
Many of us have been burnt by travel insurance companies with Covid-19. Allianz is one of those insurers that cannot be trusted. After 4 months of "assessing " my claim due to Covid-19 they finally sent me a letter denying my claim.
They will either point you to a list in their PDS of what is covered, and if a pandemic isn't listed there, then it won't be covered, no different to breaking your fourth vertebrate and twisting your arm:- Since this specific injury isn't listed there, they will argue that it isn't listed under "What is covered"
Can’t answer their phones
Terrible telephone service. Keeping getting told I can’t complete my call now and to call back later. Need to ask for a premium refund for a now deferred trip. There policy is unclear.
- Travel Insurance - Basic Plan
- Verified customer
Easy to obtain online.
Easy online application tailored to number of days of travel. Instant confirmation if you don't have any pre existing issues. I did not make a claim so can only comment on the application process, which was straighforward and easy to understand.
Great value cover
Felt safe and thankful I didn’t need any cover. Would happily use them again great value. Very quick and easy to set up. Great company and would recommend to anyone else.
Felt well covered with the level I chose
Good value and will use again in September when I go overseas again I have only used Alliance insurance once. I do not need to claim anything thank goodness thankyou
Quick, easy and reasonably priced!
I have known Allianz even before coming to Australia and they are reliable. I am a firm believer of insurance. The application was fast and easy, no issues. Reasonably priced too!
Quick to arrange, confident with the choice.
My insurance was purchased on line each time. It was quick to answer all the questions and very quick to obtain the insurance document itself. I have used Allianz perhaps half a dozen times. Good value each time
Does the job
Didn't need the insurance as had no issues traveling. Insurance was respectably priced. Allianz employee David Lynch in Newcastle was very helpful answering questions, as well as suggesting the snow-sports add on.
Easy to use
Very easy to use and affordable plan for a one off overseas trip. Covered everything I may have needed. Used this company twice in the last 3 years and both times haven't needed to claim.
Easy to use,
Policy was easy to set up.
This is the third time we have used Allianz.
I use Allianz because it is well set up and I know what is insured and how much it s insured for.
Very user friendly.
I felt cheated out of my money
I bought the insurance for my visiting mum on a Friday evening (31/1/20) and decided to cancel it on Sunday morning (2/2/20) because she no longer needs it. The insurance was only to take effect on the following Monday (3/2/20). I sent an email on Sunday morning and then called in Monday (the day it takes effect) to cancel it. They said they couldn't and did not give me a clear reason why. The insurance was not used... there was no time to use it. I feel cheated out of my money.
all went well
Policy value was good after discussing my various conditions to travel. Used his company twice in the past two plus years. No problems on the trip that required a claim.
This policy seemed good value comparing to other companies. Fortunately we did not make a claim but we use Allianz for home and car and they have always been great
Quite happy with your service , this review is because you asked for it.
The value was good , easy to setup , Did not have to make any claims .
I think we have used your service before without problems and also used your property insurance from to time
when insuring property ,have never been aware of any problems.
Aloha Travel Insurance
We went with Allianz for our travel insurance needs as we found the consultant helpful and professional. It was quick to set up over the phone and would insure with Allianz.
Great company to work with
We did not need to claim this trip but had incredibly good service when I had 3 claims out of 4 last trip. Good value offer - better value for money thank other companies.
Great price for full coverage
Good value For full coverage and peace of mind when travelling. I’ve used Allianz a couple of times I have never lodged a claim and will choose Allianz if I get to travel again
It was ok to cover all the basic needs in case something goes wrong. It is great to know that you are covered. Must have one when travelling overseas, for peace of mind and sense of security as you dont know what can happen in a foreign land.
|Other Insurance Types Offered||Car, Home and Contents and Life|
|Maximum Age Covered||74 years old|
|Overseas Emergency Assistance||Unlimited|
|Accidental Death||Not Included|
|Pregnancy (max weeks)||23 weeks|
|Resumption of Journey||Not Included|
|Hospital Cash Allowance||Not Included|
|Overseas Emergency Medical & Hospital Expenses||Unlimited|
|Loss of Income||Not Included|
|Permanent Disability||Not Included|
|Luggage & Personal Effects|
|Theft of Cash||Not Included|
|Delayed Luggage||Not Included|
|Credit Card Fraud||Not Included|
|Travel Documents / Passport||Not Included|
|Maximum Single Item Limit||Not Included|
|Luggage & Personal Effects||Not Included|
|Rental Vehicle Excess||Not Included|
|Motorbike / Moped Coverage||Included up to 250cc|
|Domestic Pet Care||Not Included|
|Special Activities Packages|
|Snow / Ski||Not Included|
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