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AXA Assistance USA Gold

The AXA Assistance USA Gold plan is a comprehensive travel insurance plan. You have all the standard comprehensive benefits you’d expect, such as trip cancellation, baggage protection, and trip delay. The plan also includes the option to add on a Collision Damage Waiver for Rental Car coverage up to $35,000. You will have to check with your rental car company to see if they will accept this type of insurance before adding it on to your plan.

Much like other comprehensive plans, the Gold plan has reimbursement limits for covered travel delays and missed connections for cruise and land tours. You can find the list of covered reasons for each benefit in the full plan certificate. This plan also includes emergency medical reimbursement and emergency medical evacuation if deemed necessary by the attending doctor. If the traveler is eligible, a waiver can be added to the plan to remove the pre-existing condition exclusion. This is a time-sensitive benefit, meaning you must be purchasing the plan within 14 days after making your initial trip payment to be eligible, among other requirements that can be found in the full certificate.

Unlike many comprehensive plans, the Gold plan also provides many benefits with AXA's 24/7 Worldwide Travel Assistance Services. The Assistance Services also include Medical Repatriation, Urgent Message Relay, Legal Referrals, Lost Document Assistance, and so on. The full list of services can be found in the plan details.

Coverages and Plan Info

Coverage amounts are per person, unless otherwise noted.

Plan Summary

Protect your trip with cancellation, interruption, delay and medical benefits.

Highlighted Coverages

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

Plan Info

Plan Type
View Certificate
Refund Policy
Available to
U.S. Residents
AM Best Rating

Trip Protection

Trip Cancellation
Trip Interruption
Financial Default
Terrorism in Itinerary City
Interrupt for Any Reason
Cancel for Any Reason
Baggage Loss
Baggage Delay
Vacation Rental Damage


Medical Limit

Accidental Death

24-Hr Full Coverage
Common Carrier
Included in Accidental Death 24-Hour
Flight Only


Medical Evacuation

Additional Benefits

24-Hour Emergency Assistance
Rental Car
Optional Coverages

Your Quote

To see the most accurate plan information and pricing Get a Quote

Ratings and reviews

Our customers rate the AXA Assistance USA Gold on our site
(4.50) of 5
on average based on 1993 reviews.
A.M. Best Rating
Better Business Bureau Rating
This plan was fine except for one thing. I wanted to extend my initial trip by one day at a cost of $550 over the initial trip. The quoted cost of insurance for this extra day exceeded $1000. This makes no sense from a company that otherwise would seem to have a solid reputation.
Larry R.
Had a few things happen to me while traveling and everything that I said was not claimable because they were written as not covered by insurance. The contract is very vague so you don't know what your covered for.
Paul V.
I have been a customer of for more than a decade, they compare different rates with different insurance providers. I have mostly purchased insurance from Travelex through, here they act as a broker on behalf of different insurance providers. As a worldwide traveler I find that travel insurance is helpful when you travel internationally. Most of the time when I file a claim it is for medical assistance. Depending on where you go, the medical costs may be far less than here in the US. Unless you are seriously injured or ill and require hospitalization, it might be easier not to file a claim, especially in places where medical costs are extremely nominal even without local insurance. Unless you are admitted to the hospital you must pay out of pocket then file a claim for reimbursement. I have found this process oftentimes very cumbersome, as you have to fill out multiple pages of forms to submit a claim and be successfully reimbursed. At the same time, I do recommend those international travelers to definitely have the insurance, because in addition to medical assistance, it also helps with flight delay and loss of luggage etc. Review the Terms & Conditions carefully, as they may not cover storms that have already been announced or other exclusions. The insurance Only covers unforeseeable problems.
Taewoo L.
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