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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.

Customers rated the AXA Assistance USA Gold plan
4.50 out of 5
2,027
ratings and reviews
96%
recommended
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Filed claim
AXA Assistance USA Gold
I actually ended up canceling my trip, due to a State Dept. alert about possible terrorist activity. AXA could not have been more helpful: they processed my claim for 'cancellation for any reason' swiftly and quickly. I was very impressed and will be a customer for life.
Sylvia W. would 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
AXA Assistance USA Gold
On our flight home our bags were delayed for 39 hours I filed a claim with AXA after reading through our plan and was told we would received a benefit up to $100 a day. In the paperwork for the Gold coverage I received for my trip, it does not explicitly state that coverage for a delayed bag is based upon incurred expenses. Not only is the wording in the policy misleading but so is the claim form and the representatives are uninformed. So if your bags are ever delayed for 39 long and inconvenient hours, make sure to go out and buy some things so you can get this benefit. We deiced to make the worst out of a bad situation and instead of heading upstate since we had no sneakers or bathing suits, we waited out the arrival of our luggage and decided to put our visit off a couple of days. We would have been better off buying new sneakers and bathing suits because our claim would have been approved. Apparently being flexible enough to change our plans but highly inconvenienced is not the right thing to do. In the past, we have used another company for our travel insurance so we will be going back to them since it is evident AXA interrupts their benefits so they don’t have to pay their customers when a problem exists.

The wording in the document is as follows:

BAGGAGE DELAY / BAGGAGE DELIVERY

We will pay You, up to the maximum shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than 24 hours, while on a Covered Trip.

If Your Checked Baggage is delayed after You have reached Your destination and the Common Carrier makes a charge for delivery, We will pay the reasonable cost up to the Baggage Delivery Maximum Benefit shown on the Schedule of Benefits to deliver Your Checked Baggage to Your Destination. A copy of the delivery invoice and verification of the delay or misdirection by the Common Carrier must be submitted with the claim.

You must be a ticketed passenger on a Common Carrier. All claims must be verified by the Common Carrier who must certify the delay or misdirection and receipts for the purchase or replacement of necessary personal effects must accompany any claim.
Allyson H. would not recommend this plan to a friend or relative.
3 of 3 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 Gold
Have purchased AXA Gold for future trips. Claims handled professionally, courteously, timely. Do provide the required documentation for claims.
Theresa H. 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
AXA Assistance USA Gold
Thank goodness I did not have to use the plan.
Theresa A. 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 Gold
The purchase was easy through insuremytrip.com. The response from AXA was fast and provided the necessary travel forms.
No claim, fortunately, so I cannot review that aspect of the company.
paula r. 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 Gold
Received my check to settle my claim. I am being paid in full for my out-of-pocket medical costs with no deductible as the policy states. Great policy. AXA was quick to process claim and was in communication with us.
Norman M. would 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
cruise
tour
AXA Assistance USA Gold
The plan is only valuable for catastrophic medical, since the cancelled flights and hotel rooms appear to not be covered since there was a bombing within a month of our trip, and we did not know to book the travel plan within 10 days of original booking. With war/acts of war, our trip to Istanbul was non refundable, so the plan was worthless to us. Going forward, I would do medical and not trip insurance. We are trying to get our money back, but not much help via AXA.
Sher P. 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.
  • Carol
    Photo
    Thank you very much for your review and your comments for your fellow travelers.

    Unfortunately, you purchased this policy on July 2nd for a terrorist attack that occurred at the Budapest Airport on June 28th. In order for this event to have been covered under your AXA policy, the terrorist incident should have occurred after you purchased the policy.

    We certainly understand your frustration upon finding that you had no coverage. Perhaps in the future, you will consider calling InsureMyTrip for quotes immediately after making your Initial Trip Payment to ensure that your policy includes coverage for future events.
    Jul 28,2016
  • Carol
    Photo
    Please call us at 800-487-4722 and speak to any of our representatives who would be happy to assist you.
    Jul 28,2016
The trip included a
cruise
AXA Assistance USA Gold
We had lost luggage for 10 days. Turns out that they like to collect premiums but don't really like to pay claims.
Allan L. would not 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.
  • Carol
    Photo
    Thank you for your comment.

    Upon receipt of your review, we did contact AXA Assistance USA claims department who advised that you did call AXA claims because you had a baggage delay. However, you did not wish to provide supporting documentation so you decided that you would not file the claim. Of course, we respect your decision not to proceed with your claim but supporting documentation is a necessary requirement when filing a claim with any insurance carrier.

    Once again, thank you for your review. Should you change your mind and wish to report the claim, please contact the AXA claims department.
    Aug 02,2016
The trip included a
cruise
tour
AXA Assistance USA Gold
Thank goodness we didn't need to use it.
Deborah M. 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 Gold
This is a good company. I had a big claim on a previous trip, same AXA Gold plan, and as a consequence I will be loyal to them.
Douglas M. 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
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