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Travel Insurance Reviews AXA Assistance USA Platinum

The AXA Assistance USA Platinum plan offers the highest limits of coverage out of all three AXA Assistance plans. Just like the AXA Assistance USA Gold plan, the Platinum plan provides additional Travel Delay benefits along with coverage if your golf or ski trip is disrupted due to Inclement Weather. Another added benefit is coverage for Sports Equipment Rental coverage.

To learn more, see the AXA Assistance USA Platinum product page.

Customers rated the AXA Assistance USA Platinum plan
4.40 out of 5
394
ratings and reviews
94%
recommended
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Cruise
Filed claim
AXA Assistance USA Platinum
Although we did not have to use the policy, I was at ease knowing that if I needed it, it was there.

Thanks for your help choosing the right plan.
Meagan T. 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
AXA Assistance USA Platinum
This plan provided far more coverage for a young traveler than any other I reviewed. Especially nice was the coverage for travel delays and delayed or lost luggage.
Megan K. 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
AXA Assistance USA Platinum
Did not have to use the plan luckily enough.
joanna s. 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 Platinum
We purchased insurance for a catamaran trip in the BVI. As we started our trip there was a minor risk of a hurricane forming but it was supposed to take days before posing any threat if at all... 3 days of 7 in the operator said we had to beach the ship and we should leave the BVI because a hurricane was going to make landfall there in 4 days on our original day of departure.

We had to buy last minute tickets to get the 6 of us home. We had 2 hr direct flight on spirit and 22 hrs return flight to St Martin, Panama then to Miami and an 2 hour uber ride home. Hurricane Irma ravaged the BVI, and then followed us home to Florida.

When i went to file a claim i was denied because 1) we chose to leave BEFORE the hurricane hit (even though the island ordered an evac and the operator ordered us off) 2) Before our airline cancelled our return flight (the morning the hurricane hit spirit cancelled the flight) 3) there was only a potential threat to our home; ie if we rode it out there we couldn't make it back to shutter up our house...

So I asked in writing what should i have done and the response was that we should have waited out the storm in the BVI and they would have reimbursed us for return flights... whenever we could have gotten them. I asked should i have cancelled the trip since a tropical storm was being watched (though it wasn't a hurricane) and the answer was we wouldn't reimburse you for that since you chose to cancel before an act of nature.

So in short if a hurricane is coming your on your own unless you ride it out at your destination, then you may stand a chance of some sort of reimbursement No reimbursement for the lost flight, transfers or the emergency flights out. But have fun with no food, water or power for how ever many days before airlines resume flights.

The only positive was the catamaran provider took complete care of the crews, got them home to saftey, and without question gave us a credit for the days we missed.
Amish P. would not recommend this plan to a friend or relative.
4 of 4 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Carol
    Photo
    Thank you for taking the time to submit your review.

    Although we are sorry to hear that you were originally denied reimbursement, we are pleased to hear that you were able to reach a settlement with AXA Assistance USA.

    Please let us know if you have any further questions.
    Jun 04,2018
AXA Assistance USA Platinum
One week after filing we received an email from AXA confirming our claim had been received and that it could be up to 30 days for a response. Six weeks later we get another email saying the claim cannot be processed without further information, they wanted a copy of an E-ticket for a rebooked flight, since there was no rebooked flight and that was made very clear in the initial claim, I can only assume that AXA was trying to deny the claim and trying to get out of paying out. After responding, they finally issued a check almost three weeks later. So total time to settle was 9-10 weeks. This was a simple claim, dealing with a flight cancellation, hotel reimbursement and alternative travel, I can't imagine how long it would take if it was more complex.
Mark P. would not 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.
  • Melissa J.
    Photo
    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 customercare@insuremytrip.com, explaining the events which resulted in a claim, and the challenges you are facing.
    Apr 26,2018
The trip included a
tour
AXA Assistance USA Platinum
Fortunately, we had no reason to use this insurance.
George 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
tour
AXA Assistance USA Platinum
There is a need to customize coverage. I have duplicate medical coverage, but would pay to just have "Cancel for any Reason."
Jeffrey C. 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
tour
AXA Assistance USA Platinum
At the end of the day, it was a fine policy. Since I didn't utilize it, Thank God for that, I can't really say just how good it really was in all other factors which would have been the most important part, of course- the actual coverage of everything and the actual response of the company to my actual needs . I felt it was too high a price but couldn't find anything else that met my criteria of $250,000 medical coverage...
Darla N. 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
AXA Assistance USA Platinum
Fortunately we did not require medical attention during our trip. Obviously an evaluation in these circumstances is less than ideal!
Richard W. 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
tour
AXA Assistance USA Platinum
I got full coverage. Trip interrupted because China officials would not approve our visit, forcing us to divert trip with 2 extra days in hotel and change air plans with loss flights. We were told this is not covered. Such a problem is not specified as yes or no, and I feel this is a way it of paying for something I should have been reimbursed for.
gail j. 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.
  • Melissa J.
    Photo
    Thank you for your feedback on the policy. We are sorry to learn of the unfortunate event that occurred during your trip.

    Comprehensive plans are designed to cover as many risks as possible, but is very rare for any insurance plan to cover all possible risks. The AXA Assistance USA Platinum plan is a Comprehensive plan which covers a wide range of perils and hazards for Travel Delay and Trip Interruption. Unfortunately, it was determined that the event that interrupted your trip did not fall within the scope of Trip Interruption for this specific plan.

    We appreciate you using InsureMyTrip for your travel insurance needs. As a travel insurance comparison website, InsureMyTrip offers dozens of plans from different providers. In the future, please consider calling us prior to purchasing a plan so that we can assist you in selecting the most cost effective policy that covers as many of your primary concerns as possible. Our toll free telephone number is 800-487-4722. We look forward to assisting you in the future.
    Apr 02,2018
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