Jump to content

Allianz & Alzheimer's

Recommended Posts

I had purchased a policy from Allianz that included pre-existing conditions in 2019 for what ended up being the 4/22 Regatta Tahiti/LA cruise. Unfortunately, my husband's Alzheimer's advanced in that time so that we could no longer travel & had to cancel.

Allianz initially denied my claim, citing a clause on page 23 of the contract stating "mental & emotional issues including Alzheimer's" aren't covered. Obviously, Alzheimer's is a neurological illness, not a mental or emotional condition.

After getting nowhere with Allianz customer service, I filed a review request with the California insurance office and received an e-mail yesterday that "after further review" they now realize Alzheimer's is a neurological condition & are paying the entire claim.


2 take-always from my experience-

- Read the entire contract. I should have picked this up initially & questioned it before committing.

- Don't give up. Right is right & getting a government agency with clout involved may help. I just wonder how many people in a similar situation give up with the initial denial. Washington state has a lawsuit involving 400 people against Allianz for the same issue.

  • Like 1
  • Thanks 1
Link to comment
Share on other sites

People get mad at me for saying this, but my additional take-away is to only get insurance recommendations from people who know what color their checks are.

Link to comment
Share on other sites

Good job staying with it. Sometimes you do have to push back and/or appeal to higher authorities

Just goes to prove that travel insurance companies WILL pay out for VALID claims.



  • Thanks 1
Link to comment
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Forum Jump
    • Categories
      • Forum Assistance
      • ANNOUNCEMENT: Experience more Co-op Holidays
      • New Cruisers
      • Cruise Lines “A – O”
      • Cruise Lines “P – Z”
      • River Cruising
      • ROLL CALLS
      • Digital Photography & Cruise Technology
      • Special Interest Cruising
      • Cruise Discussion Topics
      • UK Cruising
      • Australia & New Zealand Cruisers
      • Canadian Cruisers
      • North American Homeports
      • Ports of Call
      • Cruise Conversations
  • Create New...