Travel Insurance Reviews Comprehensive Plans
Comprehensive plans offer the most benefits, including Trip Cancellation and Trip Interruption. These plans provide the best protection for the investment you have made in your trip.
To learn more, read our Comprehensive Plans article.
The trip included a
tour
AXA Assistance USA
Platinum
The AXA Platinum plan provided the best mix of trip and medical protection of the many I had to choose from on InsureMyTrip. My only complaint is the lackluster level of response I got from their customer service and claims department when I filed a medical claim.
My wife passed out and was unresponsive for several minutes on one of our first days of the trip. At a doctor's suggestion we took her to an International Medical Clinic location in Beijing. There they performed many tests and gave her a saline drip and pills to take after leaving the clinic. The charge was just under $1,700. I had the clinic call the AXA claims number at the time of service and they were advised that I should pay the bill and submit the claim once I returned home. That was OK with me. I then e-mailed the AXA claims department to summarize the incident and ask for directions on how to process the claim. I got no response, so several days later I resent the e-mail and finally received a reply with instructions for claim filing.
The day after returning home I filled out the required forms and sent all the information via USPS Priority Mail to AXA. I also sent an e-mail telling them to expect the claim and asking them to let me know when it arrived and if any additional information was needed. They received the claim on 9/23/15 but did not notify me that it had arrived. I followed up with another e-mail on 10/5/15 to ask for a status report. I was finally notified by e-mail on 10/13/15 that the claim had been received and on 10/16/15 that it had been approved. So, AXA honored the claim as they should have and all is well from a reimbursement point of view.
My complaint is the unresponsiveness of the claims department. All e-mails from a customer should be acknowledged within 24 hours if to do nothing else than to say that they were aware of the claim and the e-mail. Once a claim is received the customer should be notified within 24 hours and given some idea of what to expect in terms of processing time. To wait to acknowledge receipt of a claim for several weeks in unacceptable. Claimants want to know that documents have been received and the status of processing their claim. I can't believe this would be burdensome for AXA and would be of a real benefit to the customer.
All's well that ends well. I just hope that AXA can improve their customer response procedures. A claim may be a small thing for them but a big thing to the client.
My wife passed out and was unresponsive for several minutes on one of our first days of the trip. At a doctor's suggestion we took her to an International Medical Clinic location in Beijing. There they performed many tests and gave her a saline drip and pills to take after leaving the clinic. The charge was just under $1,700. I had the clinic call the AXA claims number at the time of service and they were advised that I should pay the bill and submit the claim once I returned home. That was OK with me. I then e-mailed the AXA claims department to summarize the incident and ask for directions on how to process the claim. I got no response, so several days later I resent the e-mail and finally received a reply with instructions for claim filing.
The day after returning home I filled out the required forms and sent all the information via USPS Priority Mail to AXA. I also sent an e-mail telling them to expect the claim and asking them to let me know when it arrived and if any additional information was needed. They received the claim on 9/23/15 but did not notify me that it had arrived. I followed up with another e-mail on 10/5/15 to ask for a status report. I was finally notified by e-mail on 10/13/15 that the claim had been received and on 10/16/15 that it had been approved. So, AXA honored the claim as they should have and all is well from a reimbursement point of view.
My complaint is the unresponsiveness of the claims department. All e-mails from a customer should be acknowledged within 24 hours if to do nothing else than to say that they were aware of the claim and the e-mail. Once a claim is received the customer should be notified within 24 hours and given some idea of what to expect in terms of processing time. To wait to acknowledge receipt of a claim for several weeks in unacceptable. Claimants want to know that documents have been received and the status of processing their claim. I can't believe this would be burdensome for AXA and would be of a real benefit to the customer.
All's well that ends well. I just hope that AXA can improve their customer response procedures. A claim may be a small thing for them but a big thing to the client.
John H. would
recommend this plan to a friend or relative.
12 of
12 people found this review helpful
The trip included a
cruise
tour
InsureAssist
TravCan
Ease of purchase and cost of policy is a plus.
Ruth S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
InsureandGo
Global Silver
The customer service representative are very reassuring of what is offered. Each one that I spoke was pleasant, helpful and knowledgeable.
Mealifer L. would
recommend this plan to a friend or relative.
The trip included a
tour
InsureAssist
TravCan Premier
Fortunately, I did not have to utilize the plan.
Antoine D. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
AXA Assistance USA
Gold
Seemed like good coverage, but since I didn't file a claim there's no telling if it was good.
Edward S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Prime
It was nice to have peace of mind should we need help.
Dalvir G. would
recommend this plan to a friend or relative.
The trip included a
tour
Arch RoamRight
Essential
They were very helpful, and it was wonderful that I had the coverage but never needed it.
Shelley F. would
recommend this plan to a friend or relative.
The trip included a
tour
Generali Global Assistance
Standard
When purchasing plan, customer service personal were helpful. Would probably use again for next trip.
A. Veronica S. would
recommend this plan to a friend or relative.
The trip included a
tour
TravelSafe
Classic Plus
Took some time for travel safe to review, as medical records were all over the place. Was able to check progress online.
Received a full refund on the trip. Used the refund to rebook the trip.
Received a full refund on the trip. Used the refund to rebook the trip.
Harlan S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
We felt comfortable knowing that we had coverage while we were on our trip.
Lee K. would
recommend this plan to a friend or relative.