Allianz made me a Hurricane Irma victim

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Nov 15, 2017
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#1
I booked a one way flight from Fort Lauderdale, Fl to Phila., PA on Tuesday, Sept. 5, 2017 for Wednesday, Sept. 6, 2017 on American Airlines due to the Hurricane Irma life-threatening predictions. I purchased Allianz cancellation insurance because I have leukemia. I was diagnosed in May, 2017. Unfortunately I was too weak to travel as per my doctor's instructions. Allianz has denied my claim citing a pre-existing condition. Hurricane Irma was an act of God and was the sole reason I booked a flight. I feel strongly that an act of God, Hurricane Irma, should negate any pre-existing condition clause in their policy. I was already taken advantage of by American Airlines with an extremely inflated fare. Now Allianz is taking advantage of me. This is not customer
service. This truly feels like customer abuse.

I've emailed my appeal to Allianz and am waiting for a response. I sincerely hope you can help me resolve this issue with Allianz.
 

Neil Maley

Moderator
Staff Member
Advocate
Dec 27, 2014
11,665
12,004
113
New York
www.promalvacations.com
#2
The hurricane was not a pre-existing medical condition but your leukemia is. If the policy you bought did not cover a pre-existing medical condition waiver that's why your claim was denied. Did your policy offer that? You also must be well enough to travel on the day you buy the policy and your medical condition must be stable with no changes for a certain amount of time beforehand. However once a storm is already in place when you buy a policy- it isn't covered.

If you have a link to the policy you bought, we can take a look at it to see if you have grounds for appealing.

Were you medically able to travel the day you bought and had the leukemia been stable (with no new medications or flare ups) for 3-6 months before you bought?

It sounds like you were not well enough to travel when you bought the insurance and that's why you were declined.
 

Neil Maley

Moderator
Staff Member
Advocate
Dec 27, 2014
11,665
12,004
113
New York
www.promalvacations.com
#4
It could have also, you are correct. You must buy insurance before a storm is named- we really need to see why the claim was not honored.
She says it was the pre-ex medical.

When the Iceland volcano blew a few years ago that stopped almost all flights to Europe you could not buy insurance that would cover your canceled flights once the volcano erupted. If you had wisely bought before- those people were able to file claims and were reimbursed.
 

jsn55

Verified Member
Dec 26, 2014
6,279
6,341
113
San Francisco
#5
I booked a one way flight from Fort Lauderdale, Fl to Phila., PA on Tuesday, Sept. 5, 2017 for Wednesday, Sept. 6, 2017 on American Airlines due to the Hurricane Irma life-threatening predictions. I purchased Allianz cancellation insurance because I have leukemia. I was diagnosed in May, 2017. Unfortunately I was too weak to travel as per my doctor's instructions. Allianz has denied my claim citing a pre-existing condition. Hurricane Irma was an act of God and was the sole reason I booked a flight. I feel strongly that an act of God, Hurricane Irma, should negate any pre-existing condition clause in their policy. I was already taken advantage of by American Airlines with an extremely inflated fare. Now Allianz is taking advantage of me. This is not customer
service. This truly feels like customer abuse.

I've emailed my appeal to Allianz and am waiting for a response. I sincerely hope you can help me resolve this issue with Allianz.
I'm confused ... your doctor forbid you to travel at some point between the time you booked the tix and the time of the flight? In a 24 hour time period? A pre-existing medical condition has nothing to do with a hurricane. I'm sorry you're learning about travel insurance the hard way. If you cancelled the flight, you should have a credit towards a future trip, less the cancel/change fee.
 
Likes: Neil Maley