Travel Insurance Reviews AXA Assistance USA

AXA Assistance USA is part of the AXA Group, one of the world's largest and financial companies servicing over 95 million people worldwide, with over 50 years of experience in the travel insurance industry.

Learn more about AXA Assistance USA.

Customers rated AXA Assistance USA
4.50 out of 5
3,342
ratings and reviews
96%
recommended
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Cruise
Filed claim
The trip included a
tour
AXA Assistance USA Gold
I purchased a plan from AXA Assistance to cover everything, cancel for any reason, terrorism, medical reasons, etc. I was unable to go on my trip due to medical reasons, so I filed a claim. I had my physician fill out their form, and I faxed in the paperwork immediately with all the other requested information. They sent me an email saying they received my fax and to wait 30 days before expecting a response. Really? I waited 30 days, called and spoke with a representative that was very contrite, and told me I would hear from someone soon. Another week went by, so I called back and was told again that someone would reach out to me. The next day I received an email from a claims adjuster that my medical form was not correct. The physician said I was unable to travel from the time of my clinic appointment to the present day, which was the case. So I had to call again and ask why that was not correct. Again, the representative was very polite. At this point I was very angry. I asked what I was supposed to have the physician state on the form? I was told that there can't be an open date. Several times on these calls I pointed out that I purchased a policy that covered "cancellation for any reason" so I didn't understand why this was taking so long as I had a valid reason. I accused them of dragging their feet so that they wouldn't have to pay the claim. Twice I had representatives ask me if I changing my claim filing under "cancellation for any reason." I was reluctant to start the process over as much time had already passed.
I sent in the correct form from my physician with a finite date, that ended when the tour ended. Apparently that is their policy, but no one informed me before. Why didn't the claims adjuster just state their policy? And why do they need a finite date for medical reasons? I faxed in the updated forms with a letter that stated I was going to notify the state insurance commission, as well as post negative reviews on every social media site I was able. I received a confirmation the next day via email that my claim was approved. They sent me a check, but it took at least two weeks.
I would NOT recommend this company. As I stated, I really felt as though I was given the run around so as to delay or avoid payment of my claim.
Lise T. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Melissa J.
    Photo
    Thank you for your feedback on the policy. We are sorry that you were dissatisfied with your claim experience. We are pleased that you ultimately received reimbursement of your loss. We do want you and your fellow customers to be aware that InsureMyTrip offers a Customer Advocate Program. Customer Advocates are representatives assigned to assist customers who experience issues after filing a claim. Requesting a Customer Advocate is as simple as calling 800-487-4722 or emailing customercare@insuremytrip.com, explaining the events which resulted in a claim, and the challenges you are facing.
    Mar 01,2018
The trip included a
tour
AXA Assistance USA Gold
Bought the insurance in good faith including car rental coverage. Claim was denied even though completely legitimate documentation was provided.

Then my InsureMyTrip advocate intervened. They enabled more dialog with the insurance carrier and eventually the claim was processed fairly. Two thumbs up for InsureMyTrip.
William H. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
tour
AXA Assistance USA Silver
Best thing was that i didn't need to make any claims!
Kaye D. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
AXA Assistance USA Gold
My Husband was happy that I had this plan so he did not have to worry while I was away skiing.
Mavis C. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
AXA Assistance USA Silver
Wasn’t needed for any reason. But thankful to have coverage, just in case.
Kathleen Z. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
AXA Assistance USA Gold
It was bad enough to have a 24+ hour delay and a lost day in Brussels to only have the insurance company ask for unreasonable items to verify our trip cancellations. Beware that if you miss a ticketed activity, they want official cancellation documents from the companies. Apparently, showing missed flights and missed hotel nights was not enough to convince them that we also missed the activities. We even had to pay for two hotel rooms on one night in order to prevent our entire reservation in Brussels from being cancelled. We were not able to get reimbursement for that That does not work when you don't even get a chance to visit the city and the tickets were through companies that does not advertise email address for which to get cancellation documentation. Needless to say, this was a waste of money and we are COMPLETELY dissatisfied with their service. Never again! We ended up paying an extra 25% of our total trip cost only to be shunned by this insurance carrier.
Mark B. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Carol
    Photo
    Thank you very much for taking the time to submit your review. It is never pleasant to hear that your claim was denied. However, it is a standard requirement of AXA Assistance USA, as well as all other travel insurance providers, that the traveler submit copies of invoices, reservations and/or receipts along with the common carrier and any other travel providers' cancellation confirmation.

    If you do find that you can secure the requested documents for your claim, would you please call Customer Care at (800) 487-4722 to request an Anytime Advocate so we can assist you in disputing your claim.
    Feb 14,2018
  • Seth Hancock
    AXA Assistance USA
    Photo
    Thank you for taking the time to provide feedback regarding your experience. We are sorry that you experienced travel issues that caused you travel delays and additional issues while traveling.

    At AXA, we do require that proof of loss must be provided in order to process a claim and understand that sometimes it can be an inconvenience to obtain that information. We have customer service members available to assist during the claims process when ever any issues may arise. We regret that you did not approve of our claims handling process but will use your feedback to consider how we can improve the claims process moving forward.
    Feb 15,2018
The trip included a
cruise
AXA Assistance USA Gold
Had to cancel entire trip (luxury cruise) prior to final payment due to medical condition. No problems getting refund from AXA and customer service was good.
Thomas D. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
tour
AXA Assistance USA Silver
Something like travel insurance which does not have to be used is always a good thing, providing some peace of mind. It's too bad that travel insurance, no matter the provider, is so expensive.
Gary G. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
tour
AXA Assistance USA Gold
I liked the ease of securing insurance for a trip and will use you again.
Barbara Ann K. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
tour
AXA Assistance USA Gold
AXA was VERY slow in responding to the medical claim I submitted. Fortunately, David from Insure My Trip advocated for me with AXA and finally got the claim settled and my reimbursement check issued. I don't believe I'd have ever gotten the reimbursement without the help of Insure My Trip customer care.
Theresa D. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Melissa J.
    Photo
    Thank you for your feedback on the policy. We are pleased to hear that your claim was paid. Thank you for allowing InsureMyTrip to advocate on your behalf. We look forward to assisting you in the future.
    Feb 05,2018
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