Travel Insurance Reviews for AXA Assistance USA

I was very satisfied how my claim was handled - efficiently and quickly.

I purchase a plan every year for our vacation through insuremytrip, but never leave a review, since you can only rate a company IF something goes wrong. Well, this year it did, and I must say that I was extremely happy with AXA and the service they provided. They contacted me overseas as soon as they found out I was ill, and started the paperwork to arrange direct payment to the hospital where I was. Unfortunately, since it was the weekend, and with the time difference, their approval did not arrive before I left the hospital on a Sunday afternoon, so I had to pay for the charges with my credit card. I filed my claim upon my return, and I did make sure it was complete with copies of all receipts and medical information. I received my payment in full within 2 weeks, well ahead of their 30 day window. I guess I was glad I got a "gold" plan where the plan is the primary payer for medical bills, and not secondary, or I would have had to wait to file a claim with my own insurance company...and they are slower than molasses on a winter's day. Also, some of the AXA reps, such as Victoria, were terrific, and gave excellent service, even while I was stuck in an overseas hospital. All in all, they came through when I needed them, and that is the true measure of any plan to purchase (ALL companies take your premiums with no problems, but will they pay when you have an issue???). I have always purchased through insuremytrip, but now I will also ensure that I always purchase an AXA gold plan, because of the excellent processing of my claim. I recommend them wholeheartedly.

This company provided wonderful claim service and will the first one we look at for future travels. We had to file under "trip interruption" when a family emergency necessitated us cutting our trip short. On the morning we made the decision to head home I called to make sure I followed all the appropriate steps, not wanting to invalidate our claim for any reason. Ernesto answered the phone and provided wonderful customer service during what was obviously a very stressful time. He not only answered all my questions but offered to go ahead and start the claim process for me and to send me a "checklist" of what I would need to submit when we got home. As I was preparing to gather the paperwork I called and spoke to Victoria who was super helpful in making sure I understood what each piece of information requested was. I was told to allow 30 days to have the claim processed and approximately 3 weeks later I got an email stating that the claim in its entirety would be paid and today, 28 days after I submitted the paperwork, I have checks covering 100% of the claim in hand.

On 9/16/2016 I have arrived in Delhi airport, India only to find out that my luggage was not transferred from KLM to Jet Airlines in Amsterdam. After 3 hours of administrative hassle I finally opened the missing luggage claim with Jetair. My flight to Katmandu was departing next morning. An original plan was just to stay in the terminal and use the sleeping lounge. I had a single entry visa for India that I planned to utilize on the way back to stay in resort in Kerala. At about 2 a.m. completely exhausted, I opted to take a shower and catch on sleep in the Transit Hotel in International terminal 3. As this was a transit hotel technically I have not entered India.

Next morning I have connected to my flight to Katmandu. On the way back on September 26th I have proceeded to an airport to board 9:50 am flight from Katmandu to Delhi to connect to my final location in Kerala, TRV. I had non-refundable 4 days paid resort fee of 527 euro or $527.00

I was shocked to learn that my single entry visa was used up when Transit hotel took my passport for the registration and stamped it with airport authorities. Which I was not aware about. Since I had to apply for emergency visa to India, the earlies available departure was on October 1st, 2016. Just in time to connect to my flight back to US. This caused a trip interruption of 4 days, loss of the resort fee of $527.00 and unused Jet Air cancelled itinerary of about $450.00. I called AXA and advised them on the situation. The representative assured me that because of the unforeseen circumstance this will fall under the trip interruption. I am sure they retain the phone records. I have filed the claim with all supporting documentation and cover letter. The claim was denied because this particular circumstance is not listed under covered events. However it is also not specifically excluded. I bought the policy in a spirit that it will cover me in the UNFORESEEN events, which my situation clearly falls under. At this point I have open the case with the CA Department of Insurance and will proceed with the legal actions against this company unless my claim is reconsidered. I have travelled to 54 countries and always bought insurance coverage. I do not recommend this company

We purchased this policy to cover unlikely weather events that would prevent our adventure cruise from operating, per the recommendation of the adventure cruise company as they would not reimburse under those circumstances. A category 5 tropical storm (hurricane) then occurred damaging the ship irreparably preventing us from going on this cruise. This event was clearly covered in our policy, yet AXA denied our claim, denied 2 appeals, then advised us to take our issue to our state insurance commissioners office. We did that and eventually received compensation. This took over 4 months from when our claim was filed. While we received prompt and courteous response from the customer service reps, we were repeatedly denied direct access to any of the adjusters who denied our claim to have them explain their reasons, which changed with every denial. This process was very stressful as we were to loose $7500 in what was so clearly covered by the policy. This is the first time we have filed a travel insurance claim so we don't know if all insurers are like this or just AXA. However, we believe most customers would not go this far to be reimbursed and insurance companies know this.

Our Viking cruise was to be a very special event, but four months before cruise time my husband was diagnosed with a serious form of cancer. We had to cancel everything. AXA was wonderfully easy to work with, and we all received a full refund in a very prompt time frame, including my sister, who was to travel with us. We are so very glad we took the step of insuring our trip. Bad things do happen, and having trip insurance helped soften the blow. We hope to cruise another time!

Had to cancel cruise at very last minute due to serious medical problem, and of course it was 100% nonrefundable at that point. Contacted AXA and they walked us through the procedure beginning with assigning a claim number right away. The agents were personable, courteous, and helpful. We were kept informed of the progress and within a month we were notified that the entire cost of the cruise was covered in the policy we had purchased from them. The check arrived in a couple of weeks. We had purchased an AXA trip policy on a previous cruise during which I had to see the ship doctor for a small medical problem. We filed a claim when returned and had the same positive experience throughout and the claim was paid in full.

Failed to provide coverage for a verifiable accident and early trip termination.

The 26 hours baggage delay claim was declined for the reasons that we did not buy any cloth or shoes during this delay, even we had to wear the same cloth for more than 2 days during delay.
Not happy, they treated our claim with no sympathy.

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.