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
tour
AXA Assistance USA
Gold
The plan seemed competitively priced, although not inexpensive. I did need to file a claim due to missed flights, and lost luggage.
We incurred meal expenses, a minor clothing expense, and lost a night of hotel. The total claim was around $300. I filed about 3 weeks after our trip. I submitted about 6 attachments as proof. Several weeks later, after emailing several times, asking about the status of my claim, I received an email asking for more information. I sent the same documents as well as many more, with a detailed explanation of each attachment to make it simpler for the person reviewing the claim. They also asked for 2 of their forms to be filled out, which I attached. Again, several weeks went by, I emailed and requested my claim be paid. I received ANOTHER request for the same information, stating that they were waiting for the forms which they had previously requested as well as a lot of other information, of which I had already submitted several weeks prior! I was going to call and request that someone actually look at all the data I submitted. I was stealing myself for a long, adversarial phone call, so was waiting until I had time. About a week passed and I received an email from my bank showing a Zelle payment for the full amount of my claim. No email from AXA insurance. Interesting.....
AXA is no better, no worse than other companies for which I have had to make a claim. I think they all drag the claim process out, hoping you will give up so they don't have to pay. They also ask for an exorbitant amount of information. Trip insurance is something that I feel I have to have for most international trips, but I dread having to make a claim. Luckily I didn't have to interact with an agent in this case and they eventually paid my claim. Keep every receipt, every boarding pass, etc in case you have to make a claim!
We incurred meal expenses, a minor clothing expense, and lost a night of hotel. The total claim was around $300. I filed about 3 weeks after our trip. I submitted about 6 attachments as proof. Several weeks later, after emailing several times, asking about the status of my claim, I received an email asking for more information. I sent the same documents as well as many more, with a detailed explanation of each attachment to make it simpler for the person reviewing the claim. They also asked for 2 of their forms to be filled out, which I attached. Again, several weeks went by, I emailed and requested my claim be paid. I received ANOTHER request for the same information, stating that they were waiting for the forms which they had previously requested as well as a lot of other information, of which I had already submitted several weeks prior! I was going to call and request that someone actually look at all the data I submitted. I was stealing myself for a long, adversarial phone call, so was waiting until I had time. About a week passed and I received an email from my bank showing a Zelle payment for the full amount of my claim. No email from AXA insurance. Interesting.....
AXA is no better, no worse than other companies for which I have had to make a claim. I think they all drag the claim process out, hoping you will give up so they don't have to pay. They also ask for an exorbitant amount of information. Trip insurance is something that I feel I have to have for most international trips, but I dread having to make a claim. Luckily I didn't have to interact with an agent in this case and they eventually paid my claim. Keep every receipt, every boarding pass, etc in case you have to make a claim!
Lise T. would not
recommend this plan to a friend or relative.
6 of
6 people found this review helpful
AXA Assistance USA
Gold
Got Covid-19 five days prior to departure and had to cancel the first part of our trip. Spent almost $6k to get short-notice air tickets for the revised itinerary. Claim just got paid. Took nearly 5 months, but got paid in full! Totally restored my faith in travel insurance, or at least my faith in AXA.
Richard K. would
recommend this plan to a friend or relative.
3 of
2 people found this review helpful
The trip included a
tour
AXA Assistance USA
Gold
It was comforting to know I had the coverage in case I needed it. The most important part of the coverage for me is 'medical evacuation' as I do not want to be stuck in a foreign country with a serious medical issue. Before my trip I requested they extend my coverage from 21 days to 23 days which they did without additional charge.
Reid V. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
tour
AXA Assistance USA
Gold
Thankfully no need to use so I cannot rate service but very easy to apply and obtain.
Christine D. would
recommend this plan to a friend or relative.
AXA Assistance USA
Gold
Fortunately we did not have to use our insurance but it did give us peace of mind should we be sick or injured while on the road!
Rita A. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
AXA Assistance USA
Gold
Luckily we didn't need to use it. But had a good experience setting it up. Would use again in the future.
Diane L. would
recommend this plan to a friend or relative.
The trip included a
tour
AXA Assistance USA
Gold
"No news is good news" -- the same goes for "No need to contact my insurance provider is good news!" I never had to actually file a claim or interact with any representative at AXA Assistance USA because my trip went smoothly (hallelujah!). So I'm basing my review on my belief that their policies were reasonably priced and I found one that fit my budget. Plus, having the trip insurance eased some of my concerns about traveling, and it was nice to have to eliminate some worry about an international trip in the times of COVID. I would use AXA Assistance USA again.
Sheila L. would
recommend this plan to a friend or relative.
AXA Assistance USA
Gold
Trip was canceled. Did not leave country. Did not use plan.
Rebecca J. would
recommend this plan to a friend or relative.
The trip included a
cruise
AXA Assistance USA
Gold
my entire trip was canceled long before travel. I asked for a refund because of this. They refused, saying that Holland America didn't refund my deposit, using this as an excuse for denying a refund. HA did refund the deposit.
Typical insurance company.
Typical insurance company.
mark e. would not
recommend this plan to a friend or relative.
4 of
5 people found this review helpful
AXA Assistance USA
Gold
I have now used this company roughly six times, and each time I have found the staff to be courteous, clear, and conscientious in sifting through options to find the right policy for my wife and me: good work!
Mark M. would
recommend this plan to a friend or relative.