Really bad

I have used Allianz/ Online Travel Insurance several times before, but never had to make a claim. This time I did. They showed their true colours.My domestic plane to Melbourne was delayed, which means I missed my international flight. Policy claims they will pay for "Reasonable expenses" when a journey is delayed for 6-24 hours or more (the wording for this in their policy is extremely convoluted).Uber into Melb and back ($90), hotel ($300) and meals ($100).According to the policy, the costs of changing a ticket due o missed connection should be automatically reimbursed ($140). The carrier only has one flight per day, so 24 hours was my minimum delay.Policy has a $200 excess. I submit all documents. I base my claim on missed connection, travel delay and that I had an event to go to (I submitted these docs as well).Allianz reject the claim stating that "reasonable expenses for a 24 hour delay" IS actually $200 (in Melbourne?). They refuse to pay for the flight change as well. Allianz send me an email stating they have "trying" to get in touch with me. My phone works just fine.I dispute their decision. Three weeks later I receive another email again stating they have "trying" to get in touch with me. Again, the phone works just fine and no missed calls or messages. Allianz ask me to call them back on a 1800 number. I tell Allianz I am now overseas and 1800 numbers do not work so kindly reply via email. Allianz do not respond...Their insurance is misleading and the wording convoluted. The reason people take insurance is to cover their backs with unforeseen incidents. Allianz misleads customers; their product does not deliver what it promises to or what consumers have paid for. I will now take my case to Consumer Affairs.

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