Travel Insurance Reviews AXA Assistance USA
AXA Assistance USA is part of the AXA Group, one of the world's largest and financial companies servicing over 95 million people worldwide, with over 60 years of experience in the travel insurance industry.
Learn more about AXA Assistance USA.
The trip included a
tour
AXA Assistance USA
Gold
Think very carefully about buying this policy or any other policy that has language paying for trip interruption only upon physician's certification at time of illness/injury if you are traveling alone (even if on a tour) and traveling in the developing world. If you are sick/injured enough to require interruption of your trip your focus will not be on getting a doctor's certificate, but on getting to good medical care, preferably at home. As I found, a physician who sends you away in an ambulance will not necessary respond to later attempts by you and the insurance company to certify the necessity for trip interruption.
The company was initially very difficult to get a response from. Once engaged, they were helpful in trying to get a physician's certification. In the end, they adhered strictly to their policy language, ignored the diagnoses on the ambulance invoice, and disregarded what even the claims adjuster said was an obvious need for me to descend rather than continue with my increasingly ascending tour in the face of severe altitude sickness, high blood pressure, and racing heart (the latter of which were caused by the former.) Bottom line: read the policy language carefully and shop around after having read it.
The company was initially very difficult to get a response from. Once engaged, they were helpful in trying to get a physician's certification. In the end, they adhered strictly to their policy language, ignored the diagnoses on the ambulance invoice, and disregarded what even the claims adjuster said was an obvious need for me to descend rather than continue with my increasingly ascending tour in the face of severe altitude sickness, high blood pressure, and racing heart (the latter of which were caused by the former.) Bottom line: read the policy language carefully and shop around after having read it.
Linda V. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
AXA Assistance USA
Gold
Since we would never travel without having insurance, it was a good deal, and we are happy that we never had to use it this time!
Richard H. would
recommend this plan to a friend or relative.
-
Crystal
AXA Assistance USA
Thank you for your feedback. We are happy to hear you had a trouble-free trip but were covered in the event the unexpected occurred. We look forward to providing travel protection for all of your future endeavors!Mar 24,2016
The trip included a
cruise
tour
AXA Assistance USA
Gold
I liked that I was able to talk to a representative when I had questions just before leaving for our trip.
Donna W. would
recommend this plan to a friend or relative.
-
Crystal
AXA Assistance USA
Thank you for the kind review! We are delighted to know you were able to receive assistance as you needed it. We look forward to providing travel protection for all of your future endeavors!Mar 24,2016
The trip included a
tour
AXA Assistance USA
Silver
To begin, when I tried to get the necessary form to file a claim, not only was AXA's phone system a mess, causing me delay after delay until I finally reached someone in Chicago who sent me a PDF that would not open, (and I have the newest version of Adobe Reader), and then that person was "not at her desk" immediately after she sent it - so after trying multiple times to reach her again, and her failed attempts to get me a document that WOULD open (she could not send a Word Doc), I had to have them send it snail mail. And that was just the beginning of my frustrations.
The reason I filed a claim was that when Delta changed our return flight to an earlier time, I was too far out in the country of Costa Rica to make the flight on time by scheduled means (van + ferry + van), so I bought a flight to get us to the airport a day early, and stayed in a hotel so we could make the flight home with Delta. AXA would not cover this under "Missed Connection" or Flight Delay" because it was not "a reactionary" event or "a defined Hazard".
I guess I should have missed the flight, stayed in Costa Rica another couple of days until Delta could reschedule us at $200 more each, and sent AXA the bill then. It would have been a lot more than what I wanted to be reimbursed for, but perhaps AXA would have had to pay me. On the other hand, they would have probably found some excuse not to.
I don't know what Insurance company would have covered my situation, or what policy, but it seems like buying insurance at all is just not worth it because of so many fine points they can find to NOT reimburse you. And the frustration of dealing with THIS company on the phone was extremely stressful.
When I buy travel insurance again, I will read the policy much more carefully and definitely not buy it from this company.
The reason I filed a claim was that when Delta changed our return flight to an earlier time, I was too far out in the country of Costa Rica to make the flight on time by scheduled means (van + ferry + van), so I bought a flight to get us to the airport a day early, and stayed in a hotel so we could make the flight home with Delta. AXA would not cover this under "Missed Connection" or Flight Delay" because it was not "a reactionary" event or "a defined Hazard".
I guess I should have missed the flight, stayed in Costa Rica another couple of days until Delta could reschedule us at $200 more each, and sent AXA the bill then. It would have been a lot more than what I wanted to be reimbursed for, but perhaps AXA would have had to pay me. On the other hand, they would have probably found some excuse not to.
I don't know what Insurance company would have covered my situation, or what policy, but it seems like buying insurance at all is just not worth it because of so many fine points they can find to NOT reimburse you. And the frustration of dealing with THIS company on the phone was extremely stressful.
When I buy travel insurance again, I will read the policy much more carefully and definitely not buy it from this company.
Michael R. would not
recommend this plan to a friend or relative.
-
Zac
Thank you for your feedback on the policy. We are sorry to learn of the setbacks you experienced when attempting to initiate and file a claim. We will forward your review to AXA Assistance USA.
Based on the explanation provided by AXA per your review, they are correct is saying that Travel Delay or Missed Connection requires you to experience the Hazard in order to receive coverage. In our experience, the large majority of travel insurance companies would work the same way.
In the future, we encourage you to call us at 800-487-4722 prior to purchasing a plan so that we can help you select a plan that best suits your needs and explain how the benefits apply.Mar 26,2016
AXA Assistance USA
Silver
The good news is we did not have a instance to use the insurance but nice to know it was there.
Paul A. would
recommend this plan to a friend or relative.
-
Crystal
AXA Assistance USA
Thank you for the review. We are delighted to know you’re happy with your purchase and had a trouble-free trip but were covered in the event the unexpected occurred. We look forward to providing travel protection for all of your future endeavors!Mar 24,2016
The trip included a
tour
AXA Assistance USA
Silver
My phone calls were always answered promptly by a "live" person. I needed to cancel my trip due to an accident, and my claim was processed promptly.
Carol G. would
recommend this plan to a friend or relative.
-
Crystal
AXA Assistance USA
Thank you for the review. It can be quite disappointing to have to cancel a trip but we are happy to know your claims experience went well and hope you will be able to reschedule the trip. We appreciate the opportunity to provide coverage for you and look forward to providing travel protection for all of your future travels.Mar 17,2016
The trip included a
tour
AXA Assistance USA
Silver
The trip was great. No Incidents and your insurance was a bargain compared to the one the travel company offered.
Norman R. would
recommend this plan to a friend or relative.
-
Crystal
AXA Assistance USA
Thank you for the kind review! We are delighted to know you’re happy with your purchase and had a trouble-free trip but were covered in the event the unexpected occurred. We look forward to providing travel protection for all of your future endeavors!Mar 17,2016
The trip included a
cruise
tour
AXA Assistance USA
Gold
Happily, did not have to file a claim.
Sherie Z. would
recommend this plan to a friend or relative.
-
Crystal
AXA Assistance USA
We appreciate the opportunity to provide coverage for you and hope you will consider AXA Assistance USA for future travels.Mar 17,2016
The trip included a
tour
AXA Assistance USA
Silver
The best insurance plan to buy is the one you never have to use. I purchased the Silver Plan because it covered all my needs for the least cost. On more than one occasion I was glad I choose a plan for my trip, but I was glad I never had to use it. I had peace of mind and a secure feeling knowing I was covered!
David D. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Crystal
AXA Assistance USA
We are happy to hear your trip insurance plan provided you with the peace of mind to allow you to really enjoy your travel experience without the worry.
We appreciate the opportunity to provide coverage for you and hope you will consider AXA Assistance USA for future travels.
Mar 17,2016
The trip included a
tour
AXA Assistance USA
Silver
Customer representative was very helpful when I called for help understanding differences between various plans.
Wilbur N. would
recommend this plan to a friend or relative.
-
Crystal
AXA Assistance USA
Thank you for the kind review! We are delighted to know you’re happy with your purchase. We look forward to providing travel protection for all of your future endeavors!Mar 17,2016
For all of the Comprehensive travel insurance plans offered on our website, the insured person must see a physician during the trip due to an unforeseen, accidental injury or emergency illness, and secure a note certifying that they must interrupt their trip in order to have a payable trip Interruption claim.
Please call us at 800-487-4722 if you have any questions about Trip Interruption coverage, or to see if there are any benefits that extend beyond standard Trip Interruption coverage.