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
Since I didn't have to use the trip insurance, I have no basis on which to discuss the quality of the plan. Given what I think I know, the coverage and cost was fair. That may have changed drastically if I would have had to file a claim.
Timothy B. would
recommend this plan to a friend or relative.
-
CrystalAXA Assistance USA
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!Mar 24,2016
The trip included a
tour
AXA Assistance USA
Gold
Think very carefully about buying this policy or any other policy that has language paying for trip interruption only upon physician's certification at time of illness/injury if you are traveling alone (even if on a tour) and traveling in the developing world. If you are sick/injured enough to require interruption of your trip your focus will not be on getting a doctor's certificate, but on getting to good medical care, preferably at home. As I found, a physician who sends you away in an ambulance will not necessary respond to later attempts by you and the insurance company to certify the necessity for trip interruption.
The company was initially very difficult to get a response from. Once engaged, they were helpful in trying to get a physician's certification. In the end, they adhered strictly to their policy language, ignored the diagnoses on the ambulance invoice, and disregarded what even the claims adjuster said was an obvious need for me to descend rather than continue with my increasingly ascending tour in the face of severe altitude sickness, high blood pressure, and racing heart (the latter of which were caused by the former.) Bottom line: read the policy language carefully and shop around after having read it.
The company was initially very difficult to get a response from. Once engaged, they were helpful in trying to get a physician's certification. In the end, they adhered strictly to their policy language, ignored the diagnoses on the ambulance invoice, and disregarded what even the claims adjuster said was an obvious need for me to descend rather than continue with my increasingly ascending tour in the face of severe altitude sickness, high blood pressure, and racing heart (the latter of which were caused by the former.) Bottom line: read the policy language carefully and shop around after having read it.
Linda V. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
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Zac
Thank you for your feedback on the policy. We appreciate you providing us with the opportunity to advocate on your behalf. Unfortunately, the claims adjuster was unable to pay the Trip Interruption claim without written certification from the attending physician.
For all of the Comprehensive travel insurance plans offered on our website, the insured person must see a physician during the trip due to an unforeseen, accidental injury or emergency illness, and secure a note certifying that they must interrupt their trip in order to have a payable trip Interruption claim.
Please call us at 800-487-4722 if you have any questions about Trip Interruption coverage, or to see if there are any benefits that extend beyond standard Trip Interruption coverage.Mar 25,2016
The trip included a
cruise
AXA Assistance USA
Gold
Since we would never travel without having insurance, it was a good deal, and we are happy that we never had to use it this time!
Richard H. would
recommend this plan to a friend or relative.
-
Crystal
AXA Assistance USA
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!Mar 24,2016
The trip included a
cruise
tour
AXA Assistance USA
Gold
I liked that I was able to talk to a representative when I had questions just before leaving for our trip.
Donna W. 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 were able to receive assistance as you needed it. We look forward to providing travel protection for all of your future endeavors!Mar 24,2016
The trip included a
cruise
tour
AXA Assistance USA
Gold
Happily, did not have to file a claim.
Sherie Z. would
recommend this plan to a friend or relative.
-
Crystal
AXA Assistance USA
We appreciate the opportunity to provide coverage for you and hope you will consider AXA Assistance USA for future travels.Mar 17,2016
The trip included a
tour
AXA Assistance USA
Gold
Never could get answers on coverages. I was trying to help my husband in the hospital, and all the plan cared about was getting my husband out of the hospital. I asked that they guarantee coverage, but was told no one to translate with billing, which was not true and made us wait for 3 hours to get a bill, only to find out only a part was guaranteed. Further, they undermined my attempt to get a bill with itemized procedures by telling the hospital that it should be given to AXA, not me. In the end they were not an advocate and my husband was discharged too early, only to end back in hospital on arrival in USA.
Tying to file a claim once in the US was nearly impossible. The AXA claim adjuster never returned my calls, and rarely answered any questions I put to him on his voice mail, If it were not for InsureMyTrip, I would still be trying to get claims filed and processing questions answered. The claims adjuster claimed that his voice mail did not work, but I sincerely question that his voice mail was continually broken from the beginning of January until the beginning of March. If it was, what good is it to have a claims adjuster who never calls you back? Many thanks to IMT for there vigilance!
Tying to file a claim once in the US was nearly impossible. The AXA claim adjuster never returned my calls, and rarely answered any questions I put to him on his voice mail, If it were not for InsureMyTrip, I would still be trying to get claims filed and processing questions answered. The claims adjuster claimed that his voice mail did not work, but I sincerely question that his voice mail was continually broken from the beginning of January until the beginning of March. If it was, what good is it to have a claims adjuster who never calls you back? Many thanks to IMT for there vigilance!
Laramie M. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
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Zac
Thank you for your feedback on the policy, and thank you for allowing us to advocate on your behalf. We are pleased to learn that AXA Assistance USA paid the claim.Mar 25,2016
AXA Assistance USA
Gold
Excellent service
Roberto S. 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 the service provided. We look forward to providing travel protection for all of your future trips!Mar 10,2016
The trip included a
cruise
AXA Assistance USA
Gold
Here is the thing. Without having a claim, there is no way to know how good or bad this, or any other, policy is. This one was about half the cost of others and AXA is a reputable company. The only negative was that the medical evacuation coverage was $250,000 vs $500,000 on others. This may not seem like much of an issue, but when my mom needed a 10 minute medical helicopter transfer, the bill was $30,000, so you can imagine what a medical plane from South America would be. I bought this policy and enrolled in a service called MedJet Assist. The cost of both was still $1500 less than the alternative.
Gabriel R. would
recommend this plan to a friend or relative.
-
Crystal
AXA Assistance USA
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. Our Platinum plan offers up to a 500,000 USD benefit for Emergency Medical Evacuation as well as other additional benefits vs. 250,000 USD for the Gold plan as you mentioned. In the future, you may call us so we may assist you in finding the best policy and benefits to fit your travel needs.
We look forward to providing travel protection for all of your future endeavors!Mar 10,2016
AXA Assistance USA
Gold
I was claiming for having to repurchase a flight ticket of $400++ but only got $200 in the mail without a clear explanation of why I could not be fully reimbursed. No one called me to give me the heads up that I could not claim the full sum.
*Follow up: Following the above review, AXA wrote me an email to say they have determined the value according to my plan, although it was not clear which line item of the coverage applied. I upgraded the 'was my claim processed promptly & fairly" and "how satisfied were you with this plan?" by 1*.
*Follow up: Following the above review, AXA wrote me an email to say they have determined the value according to my plan, although it was not clear which line item of the coverage applied. I upgraded the 'was my claim processed promptly & fairly" and "how satisfied were you with this plan?" by 1*.
Jack L. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
AXA Assistance USA
Gold
I was very happy with the response to my claim and the timeliness of payment. I would definitely use them again and recommend to others.
Janice L. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Crystal
AXA Assistance USA
Thank you for the review! We are delighted to know you’re happy with your purchase and your claims experience went well. We appreciate the opportunity to provide coverage for you and look forward to providing travel protection for all of your future endeavors!Mar 08,2016