The original post: /r/travel by /u/Unable-Dimension3855 on 2025-03-13 18:19:51.

Not sure what the deal is with Allianz, but wanted to share my experiences here. I travel for work, and my husband and I travel a lot each year, so we have an annual travel policy via Allianz that we’ve never had to use (thankfully).

Recently, my husband lost his job after 7 years. We had a trip planned with a non-refundable deposit that we needed to cancel, so I opened a claim, uploaded all the docs and his termination letter, and waited. After two weeks of no communication or request for further documentation, I got a response that the claim had been denied, because our policy didn’t cover trip cancelation because “Your insurance program provided Trip Cancellation benefits for very specific reasons. Unfortunately, termination of employment is not included among those reasons.”

This was confusing, because I reviewed the policy before submitting the claim, and my it absolutely covers termination of employment, as long as you’ve been employed at the same place for 3 years.

I called the 800 number listed in the denial email, and the customer service rep was… unhelpful at best? She just kept saying there was nothing she could do, and I needed to open an appeal. I had her look at my policy doc and she verified that she also saw the clause, but couldn’t provide any further context, other than to tell me put the claim number in the subject line of the appeal email. Even better, she kept putting me on mute to “check” on things, and I heard her badmouthing me in Spanish to someone else on the line or in the office (which I understood, and told her I could hear).

I get the insurance business is built on denying claims, but couldn’t they have at least reviewed my policy or given a legally plausible reason for denial? Is this how Allianz always operates??