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
I don't see any reason trip insurance has to be as expensive as it is. I only bought it because the country to which I traveled has it as a requirement. That said, your website made it easy to shop and compare. But all the prices are way too high!
Jeanne B. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
AXA Assistance USA
Gold
Great plan at good price!! Didn’t use the plan, but was a good piece of mind that we had it!!!!
Keith B. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
AXA Assistance USA
Gold
I filed a claim and was told it would take 30 days. After 30 days I called to ask the status, and was told all agents were not available and that I would receive a call back in 1 hour. About 4 hours later I received a message that they had called. I called back the next day, and was told that they were working on it. The following day, I received 3 emails. The first was totally illiterate with more misspellings than correct. The second recalled the first, and the third was a repeat of the first. I again called in and was told my claim was incomplete. I was then told it would be escalated to management and that I would hear soon. I asked what that time frame was and was told a "minimum" of two days. I asked what the maximum was and was not given an answer. Amount of the claim is minimal, less than 4% of the total for trip interruption. All of the important things are not even covered, since there are "no receipts" such as frequent flyer mile loss, downgrading to coach from first class, etc. Since their was no outlay, there are no receipts and therefore not covered. Not at all satisfied, would never use them again, and will tell everyone I know.
Barry H. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
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Mike
Thank you for your feedback. We appreciate you using InsureMyTrip for your travel insurance needs. We are sorry to learn that you are dissatisfied with your claims experience. The claims administrator is required to adjudicate claims based on the terms and conditions of the policy and with any travel insurance policy you would be required to provide proof of loss. Receipts and documentation are required to support a claim.
If you choose to appeal this denied claim with the supporting documentation, please feel free to contact our advocates team and we would be help to help facilitate that. We can be reached at 800-487-4722. Customer Advocates contact the insurance providers on the customers behalf in an effort to resolve claim issues.Apr 02,2018
The trip included a
cruise
tour
AXA Assistance USA
Gold
When comparing price and coverage among several providers, I often choose AXA. Will likely choose them again for future trips.
John B. would
recommend this plan to a friend or relative.
The trip included a
tour
AXA Assistance USA
Gold
I purchased a plan from AXA Assistance to cover everything, cancel for any reason, terrorism, medical reasons, etc. I was unable to go on my trip due to medical reasons, so I filed a claim. I had my physician fill out their form, and I faxed in the paperwork immediately with all the other requested information. They sent me an email saying they received my fax and to wait 30 days before expecting a response. Really? I waited 30 days, called and spoke with a representative that was very contrite, and told me I would hear from someone soon. Another week went by, so I called back and was told again that someone would reach out to me. The next day I received an email from a claims adjuster that my medical form was not correct. The physician said I was unable to travel from the time of my clinic appointment to the present day, which was the case. So I had to call again and ask why that was not correct. Again, the representative was very polite. At this point I was very angry. I asked what I was supposed to have the physician state on the form? I was told that there can't be an open date. Several times on these calls I pointed out that I purchased a policy that covered "cancellation for any reason" so I didn't understand why this was taking so long as I had a valid reason. I accused them of dragging their feet so that they wouldn't have to pay the claim. Twice I had representatives ask me if I changing my claim filing under "cancellation for any reason." I was reluctant to start the process over as much time had already passed.
I sent in the correct form from my physician with a finite date, that ended when the tour ended. Apparently that is their policy, but no one informed me before. Why didn't the claims adjuster just state their policy? And why do they need a finite date for medical reasons? I faxed in the updated forms with a letter that stated I was going to notify the state insurance commission, as well as post negative reviews on every social media site I was able. I received a confirmation the next day via email that my claim was approved. They sent me a check, but it took at least two weeks.
I would NOT recommend this company. As I stated, I really felt as though I was given the run around so as to delay or avoid payment of my claim.
I sent in the correct form from my physician with a finite date, that ended when the tour ended. Apparently that is their policy, but no one informed me before. Why didn't the claims adjuster just state their policy? And why do they need a finite date for medical reasons? I faxed in the updated forms with a letter that stated I was going to notify the state insurance commission, as well as post negative reviews on every social media site I was able. I received a confirmation the next day via email that my claim was approved. They sent me a check, but it took at least two weeks.
I would NOT recommend this company. As I stated, I really felt as though I was given the run around so as to delay or avoid payment of my claim.
Lise T. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
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Mike
Thank you for your feedback on the policy. We are sorry that you were dissatisfied with your claim experience. We are pleased that you ultimately received reimbursement of your loss. We do want you and your fellow customers to be aware that InsureMyTrip offers a Customer Advocate Program. Customer Advocates are representatives assigned to assist customers who experience issues after filing a claim. Requesting a Customer Advocate is as simple as calling 800-487-4722 or emailing [email protected], explaining the events which resulted in a claim, and the challenges you are facing.Mar 01,2018
The trip included a
tour
AXA Assistance USA
Gold
Bought the insurance in good faith including car rental coverage. Claim was denied even though completely legitimate documentation was provided.
Then my InsureMyTrip advocate intervened. They enabled more dialog with the insurance carrier and eventually the claim was processed fairly. Two thumbs up for InsureMyTrip.
Then my InsureMyTrip advocate intervened. They enabled more dialog with the insurance carrier and eventually the claim was processed fairly. Two thumbs up for InsureMyTrip.
William H. 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 liked the ease of securing insurance for a trip and will use you again.
Barbara Ann K. would
recommend this plan to a friend or relative.
The trip included a
tour
AXA Assistance USA
Gold
AXA was VERY slow in responding to the medical claim I submitted. Fortunately, David from Insure My Trip advocated for me with AXA and finally got the claim settled and my reimbursement check issued. I don't believe I'd have ever gotten the reimbursement without the help of Insure My Trip customer care.
Theresa D. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Mike
Thank you for your feedback on the policy. We are pleased to hear that your claim was paid. Thank you for allowing InsureMyTrip to advocate on your behalf. We look forward to assisting you in the future.Feb 05,2018
The trip included a
tour
AXA Assistance USA
Gold
This trip had to be cancelled for medical reasons. A refund of the forfIeted deposit was requested from AXA on Oct.10. We were told we would hear back in 30 days. I called AXA after 40 days to check the status and a couple of days later I was told they needed more information. I provided the additional information and was told by an AXA representative it was sufficient. When I called back in a couple of weeks, I was told that still more information was needed. I provided this but did not receive a confirmation of receipt. When I called they told me they had no record of my claim. I sent the same info a second time but still no confirmation. So I called yet again and within the week I had 2 confirmations of receipts. Then miracle of miracles I received a letter that my refund had been approved. Two weeks later, I got two checks in the mail - one for each traveler although they are made out to the same person. But, the names aren’t the problem it’s the amount. The checks were for $300 less than we had been approved. I just got off the phone and they said it was a typo and they will attempt to expedite the new check. What should have been a simple refund process has been a major headache.
Although our flights were also insured, I decided to handle those myself. I had a dull refund within 4 days.
Although our flights were also insured, I decided to handle those myself. I had a dull refund within 4 days.
William M. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
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Carol
Thank you very much for your detailed review. We are very sorry to hear that you encountered problems in the claim process which delayed your refund. We have brought your review to the attention of AXA Assistance USA who appreciates all feedback and will take your comments into consideration so as to improve their claims process.Jan 30,2018 -
Seth Hancock
AXA Assistance USA
Thank you for your feedback. We are sorry you were unable to enjoy your trip. We regret that there was a delay in the processing of your claim and an error on the checks once it was processed. As Carol said previously, we will utilize this feedback as a way to continue improving our claims process.Jan 31,2018
The trip included a
tour
AXA Assistance USA
Gold
I don't know how good it is because, thank goodness, I didn't have to use it! I do think I would have been happier if I had been notified before purchase what system or company the insurance company had contracted with in Morocco and where in the country I could expect to find assistance.
Nancy H. would
recommend this plan to a friend or relative.
Your Comprehensive plan premium was based on the age of the traveler, trip cost and the length of the trip. Your premium was 6.61% of your total trip cost which would match the industry standard.
That being said, you did an excellent job in selecting a policy since the AXA Gold plan included 100,000 USD in primary medical coverage. Despite the premium, you would have been very thankful for the coverage if you were unfortunately ill or injured.
Once again, we thank you for taking the time to reply to our request. In the future, you may wish to have our assistance in quoting and selecting a plan. You can reach us weekdays from 7:00 AM to midnight ET and weekends from 9:00 AM to 9:00 PM.