You got that right, and yes, I was putting that issue aside, although my counterpoint to GGP argument would be "the ethical issues aren't from the competitor's perspective, it's from the perspective of the whole workforce, industry, and/or economy as a whole".
The impact to the whole workforce, industry and/or economy as a whole is a second order effect of the real ethical issue of providing a worse service for so cheap it's almost free such that the market won't bear significantly better service provided by humans. As I see it, the ethical concerns are not about specific people being out of a job, but with setting an expectation that it's not worth providing real, useful service (using actual people) because to do so would be a cost higher than phoning it in with AI.
I've had travel insurance from time to time and the consensus in online forums seems to be Allianz. But, in spite of anecdotal stories, relatively few people have any real world experience with the claims process. So it's really hard to tell what the true story is especially given that different people have different tolerances for out of pocket costs--especially below extreme amounts related to evacuation and the like.
