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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

$500,000

Repatriation of Remains
$500,000

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

Medical Limit

Accidental Death

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

Evacuation

Medical Evacuation

$500,000

Repatriation of Remains
$500,000

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 2029 reviews.
A.M. Best Rating
A+
Better Business Bureau Rating
Although I did not have to use the insurance, it gave me great peace of mind. Good value for the money and the website makes it easy to compare coverages and costs.
Loretta R.
The plan seemed competitively priced, although not inexpensive. I did need to file a claim due to missed flights, and lost luggage. We incurred meal expenses, a minor clothing expense, and lost a night of hotel. The total claim was around $300. I filed about 3 weeks after our trip. I submitted about 6 attachments as proof. Several weeks later, after emailing several times, asking about the status of my claim, I received an email asking for more information. I sent the same documents as well as many more, with a detailed explanation of each attachment to make it simpler for the person reviewing the claim. They also asked for 2 of their forms to be filled out, which I attached. Again, several weeks went by, I emailed and requested my claim be paid. I received ANOTHER request for the same information, stating that they were waiting for the forms which they had previously requested as well as a lot of other information, of which I had already submitted several weeks prior! I was going to call and request that someone actually look at all the data I submitted. I was stealing myself for a long, adversarial phone call, so was waiting until I had time. About a week passed and I received an email from my bank showing a Zelle payment for the full amount of my claim. No email from AXA insurance. Interesting..... AXA is no better, no worse than other companies for which I have had to make a claim. I think they all drag the claim process out, hoping you will give up so they don't have to pay. They also ask for an exorbitant amount of information. Trip insurance is something that I feel I have to have for most international trips, but I dread having to make a claim. Luckily I didn't have to interact with an agent in this case and they eventually paid my claim. Keep every receipt, every boarding pass, etc in case you have to make a claim!
Lise T.
Got Covid-19 five days prior to departure and had to cancel the first part of our trip. Spent almost $6k to get short-notice air tickets for the revised itinerary. Claim just got paid. Took nearly 5 months, but got paid in full! Totally restored my faith in travel insurance, or at least my faith in AXA.
Richard K.
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