AXA Assistance USA Platinum

The AXA Assistance USA Platinum plan is everything the Gold is – and a little bit more. While you have all the standard comprehensive benefits you’d expect, such as trip cancellation, baggage protection, and trip delay; you also have optional add-ons such as Cancel for Any Reason and rental car collision protection. 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.

For the athletic travelers, this plan includes coverage for lost golf rounds, lost skier days, and sports equipment rental. Details about these coverages can be found in the full plan certificate. The AXA Assistance USA Platinum plan also includes natural disaster or man-made disaster coverage that provides possible reimbursement if your primary residence or accommodations at your destination becomes uninhabitable and bankruptcy coverage for the financial default of your travel suppliers.

Like the other AXA plans, the Platinum includes Travel Assistance Servies, which include Medical Repatriation and Political and Security Emergency Evacuation. AXA also includes their "White-Glove" Concierge Servies which contains services such as, restaurant and hotel referrals and reservations, Entertainment information and ticketing, golf course information for referrals and tee times, luxury rental information, and so much more.

Coverages and Plan Info

Coverage amounts are per person, unless otherwise noted.

Plan Summary

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
U.S. Residents
AM Best Rating
Years in Business

Trip Protection

Trip Cancellation
Trip Interruption
Financial Default
Terrorism in Itinerary City
Interrupt for Any Reason
Baggage Loss
Baggage Delay
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
Included in Accidental Death 24-Hour
Flight Only


Medical Evacuation
Evacuation from
Evacuation to
Evacuation criteria

Additional Benefits

24-Hour Emergency Assistance
Rental Car
Optional Coverages

Your Quote

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Ratings and reviews

Our customers rate the AXA Assistance USA Platinum on our site
(4.39) of 5
on average based on 362 reviews.
A.M. Best Rating
Better Business Bureau Rating
The plan covered what I needed it to and it was at a reasonable cost. The best part was it wasn't needed; we had a great trip.
James D.
I am glad I purchased trip insurance for a once in life time 2 week trip to Italy. Luckily nothing prevented us from taking the trip and we didn't have any issues during the trip so we didn't need to file a claim. It would be nice if you use the same company several times for different trips that they provide you some type of rebate or cash back if you don't need to file any claims.
Meghan H.
we had to file a claim for baggage delay and baggage damage (loss). after few initial back and forth - and waiting 20 days after sending final documents they requested, we did receive a refund minus refund received from the airline. the reason i put 4 stars is that there is no way to check claim status/details online - you have to call them. Also claim submission is done via email. I think reviewing insurance plans only matters from those who had to file the claim, this is when insurance plan is truly tested for its "goodness".
Janna G.
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