Travel Insurance Reviews AXA Assistance USA Gold

The AXA Assistance USA Gold plan offers travel insurance, travel assistance, and concierge benefits. It provides coverage for a variety of concerns, such as changes during your travel due to inclement weather, options for cancellation for any reasons, and situations like having to pay for childcare due to a delay in your trip.

To learn more, see the AXA Assistance USA Gold product page.

Customers rated the AXA Assistance USA Gold plan
4.52 out of 5
1,573
ratings and reviews
97%
recommended
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Cruise
Filed claim
The trip included a
cruise
tour
AXA Assistance USA Gold
I was happy to have the insurance and not need it. I do think it's quite expensive.
Ellen P. 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
Happily I did not have any issues, therefore in truth cannot give an opinion of satisfaction. I will say the company was easy to deal with when purchasing.
Michael R. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Crystal
    AXA Assistance USA
    Photo
    Thank you for the kind review! We are delighted to know you’re happy with your purchase and had a trouble-free trip but were covered in the event the unexpected occurred. We look forward to providing travel protection for all of your future endeavors!
    Apr 28,2017
The trip included a
cruise
AXA Assistance USA Gold
The Plan was OK but would not recommend AXA. We filed a claim and it took over 4 months to complete. This is much too long. The Claims Adjuster misinterpreted a particular piece of information and we had to file additional info (which we did). This delayed the whole process. Also, since we also filed a flight claim, AXA said there were issues because we could potentially utilize the flight credit up to a year's time. However, we finally worked this out but it took a lot of my time. Also, on at least 2 occasions, I had faxed or e-mailed information to AXA but in follow-up they said they never received. This whole process entailed a lot of time on my part.
George H. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Crystal
    AXA Assistance USA
    Photo
    Thank you for your feedback. We apologize for any difficulties you may have experienced in filing a claim. We appreciate your comments and continually use customer feedback to improve our products. We hope you will consider us again for future travel.
    Apr 28,2017
AXA Assistance USA Gold
The greatest benefit of insurance is when you don't have to use it.
Leo G. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Crystal
    AXA Assistance USA
    Photo
    Thank you for your feedback. We are happy to hear you had a trouble-free trip but were covered in the event the unexpected occurred. We look forward to providing travel protection for all of your future endeavors!
    Apr 24,2017
The trip included a
cruise
tour
AXA Assistance USA Gold
Glad I had but even happier I didn't need to use.
Janet B. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Crystal
    AXA Assistance USA
    Photo
    Having trip coverage certainly helps you focus on the important things like enjoying the travel experience and destination. We appreciate the opportunity to provide coverage for you and hope you will consider AXA Assistance USA for future travels.
    Apr 24,2017
AXA Assistance USA Gold
I would avoid AXA for your travel insurance needs.
We are extremely dissatisfied with the claims and appeal process with AXA. We will never use them again. We submitted our claim four times, the initial claim and three appeals. I can say that this company is not client friendly. They do not reach out, and if you make an appeal, they do not tell you what information is needed for review or clarification. From our experience, it was clear that they did not read our supporting documents, there was no personal contact with the person(s) reviewing the claim nor was that encouraged. You can speak with the marketing people, who will assist you in purchasing their coverage, but if you have a claim good luck.
Our claim was based on the damage and lack of access to the property because of 6 weeks of severe weather and flooding which occurred prior to our scheduled vacation. The flooding damaged the property and washed out roads preventing access for repairs. Yet, the insurance company chose to focus repeatedly on a contract provision that would allow them to deny the claim, rather than consider in our opinion all the factors that went into our making a claim.
The only bright spot in this entire process was the help and encouragement we received from working with a highly professional person at InsureMyTrip, (a company that provides a consumer rating service for travel insurance). This woman encouraged us to focus our frustration and continue to make our appeals providing more information and citing contract provisions to clarify our claims.
AXA’s management is very short sighted. They are difficult, impersonal, and drawn out in their dealings with insureds who make claims. It obvious they are not concerned with repeat business. Their marketing is all “sweetness and light” to get your money, then it is too bad when you make a claim. What would be refreshing is if they were honest enough to just say they are not selling fair and useful insurance, just a contract for the right to sue.
Michael T. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Carol
    Photo
    Thank you taking the time to submit your review with all the details. It is never a pleasant situation for a traveler to have a claim denied.

    As we previously discussed, Trip Cancellation would have reimbursed you if you had to cancel your trip due to a "Covered Reason" which would always be a reason specifically stated within the policy. If the reason you canceled your trip was not listed as a covered reason, then AXA would deny your claim. Since the rental owner reimbursed you for the rental expense when he canceled your reservation, your claim was originally submitted for airline costs only. In your claim, the property owner indicated that he had been unable to complete his remodeling due to road closures from seasonal rainstorms that would not allow vehicles into the area. Of course,remodeling would not have been a covered reason in any of our plans, so AXA denied your claim.

    Later we appealed your claim by requesting coverage under "(m) A cancellation of Your Covered Trip if Your arrival on the Covered Trip is delayed and causes You to lose 51% or more of the scheduled Covered Trip duration due to the reasons covered under the Trip Delay benefit...(e) Severe storms that cause a route closing validated by the National Weather Service records and local Department of Transportation records." Unfortunately the appeal was also justifiably denied since the house was under renovation at the time.

    We hope that you will someday reconsider purchasing a plan for a another trip. Although there is no plan that will cover everything, you now have a better understanding of Trip Cancellation coverage which will always work to your advantage when selecting the "best" policy.
    Apr 26,2017
The trip included a
cruise
AXA Assistance USA Gold
I selected this plan through Insuremytrip.com, who gave me comparisons. AXA met the needs at a fairly reasonable cost. Glad I didn't have to use it.
Brenda F. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Crystal
    AXA Assistance USA
    Photo
    Having trip coverage certainly helps you focus on the important things like enjoying the travel experience and destination. We appreciate the opportunity to provide coverage for you and hope you will consider AXA Assistance USA for future travels.
    Apr 18,2017
The trip included a
cruise
AXA Assistance USA Gold
The Plan was what I wanted and the purchase process was easy. I can't speak to the claims process.
KIM R. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Crystal
    AXA Assistance USA
    Photo
    Thank you for the kind review! We are delighted to know you’re happy with your purchase and had a trouble-free trip but were covered in the event the unexpected occurred. We look forward to providing travel protection for all of your future endeavors!
    Apr 24,2017
The trip included a
cruise
AXA Assistance USA Gold
Plan provided piece of mind while traveling in France. Our main concern was to have trip interruption coverage and adequate medical coverage in the event of an emergency since our primary medical plans did not provide coverage out of the country.
Christopher G. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Crystal
    AXA Assistance USA
    Photo
    Having that sense of peace of mind can really often be priceless. We are proud to have been a part of it for you. Please think of AXA Assistance USA for any future travels and we hope to continue to provide you with a worry-free experience.
    Apr 11,2017
AXA Assistance USA Gold
The policy had all the coverages we wanted at a fair price. We didn't have to use but it was nice to know it was there.
HUGH M. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Crystal
    AXA Assistance USA
    Photo
    Having trip coverage certainly helps you focus on the important things like enjoying the travel experience and destination. We appreciate the opportunity to provide coverage for you and hope you will consider AXA Assistance USA for future travels.
    Apr 10,2017
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