Glad you got a refund from Hotwire, but they're wrong about Allianz. What they tell you and what the truth is are often very different.
Larger agencies, like ours, often have a negotiated policy that's different from every other policy the same company sells. And those policies are not available to anyone except those who book through that particular agency. So it's quite possible Hotwire has their own policy with Allianz and that policy would be different than other policies.
Travel Agent/Cruise Specialist w/12 yrs exp and 47 Cruises on 11 cruise lines! Favorites: Paul Gauguin - Tahiti: Uniworld River Cruises - Europe; Celebrity Solstice-class ships; Holland America - 12-nights Baltics & Russia; RCCL - 14-nights Greek Isles, Turkey, & Croatia; Holland America - 14-day Alaskan cruisetour; 10-night Canada/New England cruise; 21 days Hawaii w/7-night NCL cruise; Oceania - 25 days in Asia; more than 3 months touring Europe by train. And many all-inclusive resorts!