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.
Good coverage. Gave me a sense of well being for unforeseen events in a challenging part of the world. Provided security, even though I did not need to make use of policy.
Charles R. would
recommend this plan to a friend or relative.
0 of
0 people found this review helpful
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Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
Never used the plan, so am unable to comment., It was disappointing to learn that my granddaughter and I were not covered for injury due to civilian unnrest/rioting in another country, Your policy states; If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within the territorial limits of a City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage.“Terrorist Attack†means an incident deemed an act of terrorism by the U.S. Government.
Otherwise, the policy the policy excludes:
War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war.
Marilyn S. would not
recommend this plan to a friend or relative.
0 of
0 people found this review helpful
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Value
Satisfaction
Claims not filed
Note: This review is for a plan that is no longer available.
Thank you for providing feedback. Unfortunately, comprehensive travel insurance policies exclude war, acts of war, civil unrest, insurrection and similar events for all types of coverage. Those plans that cover Terrorism are eluding to Trip Cancellation and Trip Interruption coverage, not for Medical Coverage.
The John Hancock Silver Travel Plan provided comprehensive coverage at a reasonable cost for our Trip. I was reluctant to buy travel insurance for this trip because it was so expensive. But I was nervous not to buy insurance as well, given the nature and cost of our travel plans. JH Silver plan was perfect for us.
Kevin M. would
recommend this plan to a friend or relative.
0 of
0 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
We did not have to file a claim, but made note of the following for future trips. We almost missed an international flight connection due to long lines at passport control. This would have cause a delay, resulting in purchasing of 2 new air tickets, food, and lodging. After returning home, I contacted AXA to see if that would have been a covered event and was told it was not covered. It is something for everyone to be aware of and I will investigate other options for my next trip.
Richard F. would
recommend this plan to a friend or relative.
0 of
0 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
Thank you for your feedback on the policy. You raise a terrific point which will be helpful to fellow travelers. Comprehensive travel insurance policies are designed to cover an extensive list of unforeseen events for Trip Cancellation, Trip Interruption, and Travel Delay. However, not all potential risks are covered. The AXA Assistance USA Silver plan covers the following hazards for Travel Delay:
(a) Any delay of a Common Carrier (including Inclement Weather);
(b) Any delay by a traffic Accident en route to a departure, in which You are or a Traveling Companion is directly or not directly involved;
(c) Any delay due to lost or stolen passports, travel documents or money; quarantine; hijacking; unannounced Strike, Natural Disaster, civil commotion or riot;
(d) A closed roadway causing cessation of travel to the Travel Supplier or destination of the Covered Trip, and substantiated by the department of transportation, state police, or other like authority;
(e) Severe storms that cause a route closing validated by the National Weather Service records and local Department of Transportation records;
(f) Avalanche that delays You from reaching Your destination or Your primary residence when returning home; or
(g) Landslide that delays You from reaching Your destination or Your primary residence when returning home.
The above list is extremely inclusive, but does not include scenarios such as long lines at an airport. In fact, we may not offer a plan which would cover this specific event or other similar events for Trip Interruption or Travel Delay. Please keep in mind, the terms and conditions of each policy will differ. Please refer to policy certificate to learn about how your policy benefits work. If you have questions regarding our travel insurance products or have general coverage questions, please call us at 800-487-4722.
Additionally, the Missed Connection benefit available through the AXA Assistance USA Silver Policy offers coverage when the missed connection is the result of a delay of 3 hours or more caused by a Common Carrier. In this case, the delay at the security checkpoint itself would not constitute a covered peril.
MISSED CONNECTION
We will pay the benefit shown in the Schedule of Benefits if You missed Your Covered Trip departure due to cancellation or delay for 3 or more hours of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown in the Schedule of Benefits are provided to cover additional Transportation expenses needed for You to join the departed Covered Trip. Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled departure but cancel Your Covered Trip due to Inclement Weather.
We would be pleased to assist you with any additional coverage related questions.
On this safari trip there were ample chances for injury or illness, so we were comforted to have the insurance. This company seems to have the coverage we were seeking.
Margaret M. would
recommend this plan to a friend or relative.
0 of
0 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
The claim that we made was processed fairly, but not promptly. I would suggest that anyone that is taking out a policy to obtain the medical treatment form before going on a trip since that appeared to be one of the major points of dispute with getting reimbursed. The provider just was not very willing to accept the medical statement that was provided from the ship. The second point is that one must be aware of the provisions of the policy and be prepared to remind, several times, what the contract of insurance actually states to the provider. Otherwise, the carrier will not seem to be aware what certain terms like "spouse" and "occupied same cabin" means in continually requesting the same information.
Gilbert G. would
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.