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.