AXA Assistance USA Gold

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The AXA Assistance USA Gold plan is everything the Silver plan is – and so much more. You have all the standard comprehensive benefits you’d expect, such as trip cancellation, baggage protection and trip delay. The plan also includes the optional add-ons, such as Cancel for Any Reason and Cancel for Work Reason, pre-existing condition waiver and rental car collision protection.

The Gold plan takes travel insurance one-step further with some additional benefits you may not know are available. For instance, this plan includes coverage for a penalty or change fee by an airline up to $100 if you change your travel dates due to a covered reason.

Also, the plan includes coverage for trip cancellation and interruption due to a covered natural disaster or man-made disaster. This provides possible reimbursement if your primary residence or accommodations at your destination becomes uninhabitable.

Unlike many comprehensive plans, the Gold plan also provides additional trip delay benefits such as childcare delay and coverage for pet boarding fees. If you are traveling without your kids, you may be eligible for reimbursement for additional childcare fees due to a trip delay on your way home. Similarly, if you are boarding a pet, you may be eligible for reimbursement for any extended 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, up to the amount stated in the policy, in the event inclement weather prevents you from participating in these activities.

Coverages and Plan Info

Coverage amounts are per person, unless otherwise noted.

Plan Summary

Comprehensive travel insurance plans offer the most benefits and optional coverages. These plans provide the best protection for the investment made in a trip.

Highlighted Coverages

Trip Cancellation
Trip Interruption
Baggage Loss
Pre-Existing Condition Lookback Period
Medical Evacuation

Plan Info

Plan Type
View Certificate
Refund Policy
Available to
AM Best Rating
Years in Business

Trip Protection

Trip Cancellation
Trip Interruption
Financial Default
Terrorism in Itinerary City
Interrupt for Any Reason
Baggage Loss
Supplier Default


Medical Limit
Complications of Pregnancy
Emergency Medical Expenses

Pre-Existing Conditions

Sudden Recurrence
Lookback Period
Pre-Existing Condition Period

Accidental Death

24-Hr Full Coverage
Common Carrier
Flight Only


Medical Evacuation
Evacuation from
Evacuation to
Evacuation criteria

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Ratings and reviews

Our customers rate the AXA Assistance USA Gold on our site
on average based on 863 reviews.
A.M. Best Rating
Better Business Bureau Rating
Since I didn't use the plan, it is hard to rate it. The proof is in the performance if needed.
Steven G.
AXA did a prompt job of reimbursing my claim--once they got the paperwork by email. It took several weeks of phone calls to people whose first language was not English before I finally obtained correct information for filing. Within days, my claim was then processed. Should you file a claim, do not use US Mail to Miami; instead, file electronically and speak to a Claim Agent in Chicago, not Miami, to eliminate the language barriers.
Yvonne L.
I had some hotel and taxi expenses due to a flight cancellation for weather. They approved the claim and processed the claim check in a timely manner. I will use them again.
Felino C.
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