Good luck with Allianz insurance. We also had gotten this through AA & feel it was a rip off. We filed a claim after a trip to Tortola in November. Our claim was round $1,500 & we got about $400.00 back from them. Had to jump through all kind of hoops which I understand. We provided all the info they requested & feel we got screwed. Was listening to a morning TV show this week & Peter Greenberg, who it a travel expert recommended never buying travel insurance through an airline.