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.
47 Cruises & Counting! Favorites: Paul Gauguin to Tahiti: Uniworld River Cruises in Europe; any of the Celebrity Solstice-class ships; Holland America for 12-nights in the Baltics & Russia; RCCL for 14-night Greek Isles, Turkey, & Croatia; Holland America for 14-day Alaska cruisetour; 10-night Canada/New England cruise; 21 days in Hawaii including a 7-night NCL cruise; Oceania for 25 days in Asia; & 3 months touring Europe by train. And many days spent in all-inclusive resorts!