So, in summary, if you know of anyone with a pre-existing condition... ie a neighbor, facebook aquaintance, postal worker, office co-worker etc. you are NOT covered by Allianz. Now I know.
You have to be fraudulent in order for a credit card company to re-imburse-which they did. Its all a money game for sure.
Get insurance, just dont get it from Allianz who recently changed their name I wonder why??