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, bankruptcy of a travel supplier, and much more.
To learn more, see the AXA Assistance USA Gold product page.
The trip included a
cruise
tour
AXA Assistance USA
Gold
One of the primary reasons for purchasing this plan was because they supposedly provided PRIMARY medical coverage. My husband and I came down with 2 medical issues on a cruise which required seeing the ship’s doctor. When we returned home, I called AXA and requested a claim form (don’t bother sending an email. They will send an acknowledgement but won’t respond otherwise). When I reviewed the claim form, I was shocked to find that this is actually SECONDARY coverage, because coverage is only on an EXCESS BASIS, i.e, they require that you file with your primary insurer first and provide a copy of the primary insurer’s EOB. As I know that my primary insurer will not cover 100% of the medications, it means I have to jump through a bunch of hoops just to receive a very small payout from AXA.
I checked Squaremouth’s website for this same policy, and it states medical coverage is PRIMARY. InsureMyTrip has NO information on this point. Buyer Beware with AXA.
I checked Squaremouth’s website for this same policy, and it states medical coverage is PRIMARY. InsureMyTrip has NO information on this point. Buyer Beware with AXA.
Sharon M. would not
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
The trip included a
cruise
tour
AXA Assistance USA
Gold
It was a peace of mind that we had coverage if something went wrong in a far away country!
Maria L. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
AXA Assistance USA
Gold
The AXA plan provided higher levels of coverage at about half the cost of the plan offered by the Cruise line. Since we did not need to use the plan we do not know how difficult it would have been to actually collect. Communication with AXA before the trip was excellent and the plan disclosures were easy to read and understand.
Gregory U. would
recommend this plan to a friend or relative.
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