My brother-in-law had hip replacement surgery for a degenerating hip. Over a month later, he was doing well with no pain so we scheduled a flight for him with travel insurance from Allianz Global Assistance.
Two days later, he noticed that the incision was starting to swell. The doctor told him to go to the ER immediately and he was admitted and had two emergency surgeries to remove the infection. Because of this infection, he was unable to travel.
Allianz Global Assistance claimed that the underlying condition of a bad hip was pre-existing so they would not cover the air travel. The condition that caused him to not be able to travel was an infection, not a hip replacement. He had recovered from the hip surgery and was able to walk normally up and down stairs.
I do not recommend this company for travel insurance as they will find a way not to pay out on legitimate claims.
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