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.
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.
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.
2 of
2 people found this review helpful
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.
-
Crystal
AXA Assistance USA
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.
-
Crystal
AXA Assistance USA
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.
-
Crystal
AXA Assistance USA
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.
-
Crystal
AXA Assistance USA
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
The trip included a
cruise
AXA Assistance USA
Gold
Great way to travel with peace of mind.
Billy S. would
recommend this plan to a friend or relative.
-
Crystal
AXA Assistance USA
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 05,2017
The trip included a
cruise
tour
AXA Assistance USA
Gold
Great coverage. Worth it for peace of mind even tho we didn't need to use it.
Randall W. would
recommend this plan to a friend or relative.
-
Crystal
AXA Assistance USA
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 03,2017
The trip included a
tour
AXA Assistance USA
Gold
Since we had no need to file a claim, the policy seems very expensive for an 18-day trip in Scandinavia (a no-conflict zone). I have no experience with your claims handling, so cannot comment on that.
Rohana R. would not
recommend this plan to a friend or relative.
-
Crystal
AXA Assistance USA
We appreciate the feedback you have provided. We are sorry to learn you weren’t completely satisfied with your purchase. In the future, you may call us so we may assist you in finding the best policy and benefits to fit your travel needs.Mar 29,2017
The trip included a
cruise
AXA Assistance USA
Gold
I purchased the plan in hopes of never having to use it ... and luckily , I did not have to use it. The only real way to find out if a policy is good is to have to use it- so I really can't evaluate the plan. However, if I need to purchase another policy of another trip - I would use your company.
Carolyn J. would
recommend this plan to a friend or relative.
-
Crystal
AXA Assistance USA
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!Mar 24,2017
The trip included a
tour
AXA Assistance USA
Gold
Excellent plan that fit our needs. It did provide peace of mind in the event we needed to use it. Support from insuremytrip staff was excellent.
Shivani M. would
recommend this plan to a friend or relative.
-
Crystal
AXA Assistance USA
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.Mar 24,2017
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.