This company doesn't even merit one star. I had to cancel a tour due to health reasons. The tour company has a $300 administrative fee for cancellations. They refunded the rest of my money and told me to contact Allianz for the $300. I did file a claim online and submitted many documents about my health condition and the moneys I had paid both Allianz and the Tour company as well as the refund I had received. Two months later I received an email requesting more documentation. Online I could not even locate a record of what I had submitted previously. I agree with everyone below about bad phone experiences -- long wait times, dropped phone calls and no one knowing what another department does or even the company's policies. The customer service rep acknowledged that he could see everything I had filed and it was totally complete. He resent all to their Claims Department. Nothing happened and had to call again; no one could explain why it hadn't been reviewed -- sent on to a senior claims examiner. Finally received an email that all was complete and valid AND they were returning it to my Tour company for payment. This claim just lobs back and forth between the Tour company and the Insurance company. Today Alliaz tells me that they never pay a claim like this. Interesting since none of the other dozen or more Allianz people with whom I've spoken know this "policy." I do recommend good travel insurance but suggest, as I will, that you go elsewhere.