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The trip included a
cruise
tour
AXA Assistance USA
Silver
It turns out (in the small print somewhere) that to process a small claim you must first submit your claim to Medicare. I believe Medicare does not cover overseas, but one must go through the process anyway. I believe most all foreign travelers are older and under Medicare, so this effectively drags out the claims process to discourage pursuing a claim and save your company money.
After buying trip insurance a number of times previously, I will never do this again!
I will self insure.
After buying trip insurance a number of times previously, I will never do this again!
I will self insure.
Charles G. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
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Zac
AXA Assistance USA has issued the following reply:
"Thank you for your feedback. We apologize for any difficulties you may have experienced in filing a claim. We appreciate customer comments and continually use customer feedback to improve our products. At the time of your claim, the silver plan provided coverage secondary to Medicare. The gold and platinum plans serve as primary coverage and it is not necessary to file with Medicare first. In the future, you may call us so we may assist you in finding the best policy and benefits to fit your travel needs."Nov 07,2016
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The trip included a
cruise
AXA Assistance USA
Gold
I bought the AXA Gold plan for a trip of a lifetime. We planned the trip a year in advance, and about 3 months before departure I worried about our elderly parents' potential for medical problems that could interfere, so I bought this plan. To my total shock, I was diagnosed with an urgent medical problem a week before departure, and we had to cancel. I filed a claim with AXA, and was pleasantly surprised by their considerate response. They employ very nice representatives to talk to. They paid the claim amount, a big one, promptly. I highly recommend them, and hopefully I will use them again. I strongly recommend getting insurance in general, as you never know what might happen.
Douglas M. would
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
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Medicare does not cover outside of the United States, but some Medicare Supplement plans do provide some coverage while traveling abroad. If a travel insurance plan is secondary, the insured person(s) would be required to file a claim with the Medicare Supplement first. If coverage is denied or only partially provided, the travel insurance would cover the remainder, up to the policy limit.
Please call us at 800-487-4772 if you have any questions pertaining to this policy, or about primary vs secondary coverage. We would be happy to assist you.