haloFIRE
Recycles dryer sheets
I'd like to offer my thoughts on the Allianz Annual Premier Plan. Pls move to correct forum if this is not it. We have no house this year and are doing slow travel. I knew we would be on a lot of cruise ships, and in parts far and unknown. I thought this was a great year for our first travel insurance plan. One concern was they were going to get into my business about trip length bc they technically want you to return to your residence between each trip. Maybe its bc its an annual plan but this question has never been asked so I have never answered it. No probs for several months then haloFIRE was struck down with a plague of a cold he could not shake in Malaga, Spain. Off to the dr not know and not caring whether the insurance would reimburse. I should point out our US insurance is no good in Europe as far as I know. So we go to a private pay hospital where he is prescribed a zpac equivalent and several OTCs. Approx 107Euro. Off to the pharmacy for the meds. Approx 30 Euro. The receipts I had were one sheet with diagnosis and medicines named. a receipt for paying the dr with my credit card. and a 2 inch print out that only said the name of the pharmacy and the dollar amount paid. I thought this was going to be a problem bc I could have bought makeup and produced this receipt. Snapped a photo of the medicines side by side. Tried to submit through their somewhat useful app but it was crashy. Ended up emailing the receipts as attachments in multiple emails as i was limited as to email size. Was concerned about how they would do Euro conversion so also included a screengrab of my credit card showing how the charges posted in US on my card. I was struck down by same plague in Barcelona. Off to private dr. Same scenario. photographed and emailed. Cancelled train, had to rebook. Should be covered under trip protection as our new tickets were more expensive. Luckily our accommodations allowed us to cancel so we weren't out of pocket big time just a few bucks. SO I submitted a photo of the French train strike memo, a photo showing our train was canx, and then a copy of our new train tix receipt. Got an email a couple weeks later that claims were pending and then that they were paid. Home to find checks in the mail. No questions. NO pushback. no wiggling on their part. This could be isolated success or it could be the beginning of a small love affair. The annual plan cost me roughly $400 for the 2 of us and ive received in return peace of mind and $362 in funds. The year is young as my coverage lasts until mar 2019. Editted to add that this was written by MrsHaloFIRE. HaloFIRE left his account logged in
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