Travel Insurance Reviews for AXA Assistance USA

Had to go back to them on the claim but everything was processed quickly. Would highly recommend insuremytrip.com. Have paid so much more for coverage in the past without the compare took. Will be using this again in the future!

AXA claims handling is terrible. I made a claim because the first leg of a three leg international journey was cancelled due to a winter storm. I had to rent a car to drive 300 miles to the next airport to catch the second leg of the trip. The airline's ticket refund was less than the cost of the rental car. I filed a claim with AXA for about $100--the amount the rental car charge exceeded the airline reimbursement.

I submitted the extensive documentation AXA required. After 6 weeks, AXA denied the claim with a nonsensical letter. I explained the claim again, and AXA requested additional documentation, which I provided. In response, AXA denied the claim again--this time insisting that my flight was cancelled 2-1/2 months before departure, not the night before departure. I threatened a small claims lawsuit and reported the matter to insuremytrip.com. After a few weeks, AXA requested (for the first time) a letter from the airline confirming the cancellation and the reason. I provided that documentation and my claim was finally accepted.

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.

I purchased an AXA Assistance USA Gold Plan for a 2 week trip to New Zealand for myself and my husband. Unfortunately we had to cancel about 6 weeks before the trip due to a medical problem. I was worried that AXA would make me jump through hoops to get our refund for trip expenses but that was definitely not the case. The AXA claims specialists were professional and helpful. I submitted the paperwork that was necessary and got notification of acceptance for the claim and a check very quickly. I will use AXA in the future.

I had a claim and the representative I talked with was helpful. I had trouble with using the AXA website, so I asked for a claim form by mail. I finally got the website figured out before the claim form arrived by mail. My claim was honored in full, but I had complete documentation.