AXA Assistance USA Platinum

Did not need the coverage but the selection process was great. I've purchased global medical insurance in the past, but this time the phone rep helped me save money and get a bit more coverage than I would have had I purchased on my own.

AXA's USA Platinum trip cancellation insurance was terrible. I purchased trip cancellation insurance that included terrorism coverage. My trip was to Cairo was scheduled to depart three weeks after the Hamas massacre of October 7th and the start of the ongoing war. The US State Dept. warned that terrorism had occurred and was occurring in Cairo. They stated that vacations to Cairo should be "reconsidered" due to terrorism. I cancelled my family trip for five people, relying of the insurance I purchased. I met the three criteria for cancellation coverage in the policy and provided proof to adjusters. AXA denied my claim and my appeal. They made up false reasons to deny the claim , contorted the facts and never really tried to honor their policy. Their terrorism policy does not even define the word terrorism in the policy. If there was ever a reason to honor cancellation insurance, this was it. Cairo was a hotbed of terrorism events and risks when I cancelled. We were terrified to travel and the State Department directives encouraged cancelling. We are appalled that Axa thought we should have gone. They should be ashamed of themselves for selling a useless policy and charging me expensive premiums which they wouldn't refund. By the way, if you eliminate the five star reviews given by those who never made a claim, you will find a high percentage of claim denials. Buyer beware of this company.

I deem it necessary to buy insurance when on an overseas trip, therefore the answer is yes I recommend buying one. I had no claims so I can’t comment on whether or not this is good insurance. I did however have peace of mind knowing I was covered.