AXA Assistance USA Gold

The AXA Gold plan is the next level up from the Silver plan.

Some highlights of this plan:

  • Coverage for a penalty or change fee charged by the airline up to $100 if you have to change your travel dates for reasons listed within the policy
  • Natural Disaster or documented man-made disaster which makes your primary residence or accommodations at your destination uninhabitable
  • Optional Cancel for Any Reason Rider available in certain states if conditions are met
  • Optional Pre-Existing Conditions Waiver
  • Cancel for Work Reason Option

The Gold plan also provides additional Trip Delay benefits such as Childcare Delay and coverage for Pet Boarding Fees in the event you're delayed on your return trip home. If you are planning a golf or ski trip, there is also coverage in the event Inclement Weather prevents you from participating in these activities.

The plan information below is nonspecific. To see actual amounts and to check plan availability, get a quote.

Plan Info
Plan Type
View Certificate
View Certificate
Refund Policy
10 Day Review Period
Insurance Underwriter
American Modern Home Insurance Company
AM Best Rating
Years in Business

Coverage amounts are per person, unless otherwise noted.
Click a coverage to read details or view the full certificate.

Trip Protection
Trip Cancellation
Trip Cost
Trip Interruption
Trip Cost + 50%
Financial Default
Terrorism in Itinerary City
Foreign & U.S. Domestic
Interrupt for Any Reason
Cancel for Any Reason
75% of non-refundable trip cost [Requires purchase within 14 days of Initial Trip Payment](+$)
Baggage Loss
Baggage Delay
24+ hours
$300 max.
Travel Delay
12+ hours
$1,000 max.
Supplier Default
Medical Limit
Complications of Pregnancy
$500 Incl. in Medical
Emergency Medical Expenses
Pre-Existing Conditions
Sudden Recurrence
Requires purchase within 14 days of Initial Trip Payment (+$)
Lookback Period
60 Days
Pre-Existing Condition Period
Medical Evacuation
Evacuation from
Evacuation to
Evacuation criteria
Accidental Death
24-Hr Full Coverage
Common Carrier
Flight Only
Additional Benefits
24-Hour Emergency Assistance
Rental Car
$35,000 (+$)

Cancel for Work Reason Option [Requires purchase within 14 days of Initial Trip Payment] (+$)
Identity Theft Services

Natural Disaster Benefit $25,000
Available to

Customer Ratings

Our customers rate the AXA Assistance USA Gold plan on our site

on average based on 377 reviews.

Better Business Bureau Rating

A.M. Best Rating

Latest Reviews

AXA Assistance USA
Trip insurance gives us peace of mind while we're traveling. We have elderly parents and never know what might happen.
Robert Z.
AXA Assistance USA
Very few reviews have gone through the claims experience, but I am one who has. My claim was paid in full. It took approximately 90 days to resolve, but the delay was mostly mine in providing a "cancellation letter" from the airline that the insurer would accept. Communication could have been better. No response to email inquiry. The day I called for a status update, I was told only to be patient. That very day, I received their check in the mail.
Lee R.
AXA Assistance USA
The airline lost our luggage, and when I called a representative, they said I had to wait 24 hours to buy any basic needs, which was quite frustrating. Also, any claims of lost baggage required a sales slip for all items. Why would I have a sales slip from five years ago? Representative refused to put any pressure on airline to locate luggage.
Sharon B.
See all reviews

Be the first to ask a question for this subject.

Ask A Question