Travel Insurance Reviews AXA Assistance USA Silver

The Silver plan is the most economical of the three plans offered by AXA Assistance USA. Offering protection for a trip cost up to $10,000, this plan provides protection for your basic travel needs. Coverages provided include trip cancellation and delay, medical benefits, and an optional pre-existing conditions waiver.

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

Customers rated the AXA Assistance USA Silver plan
4.52 out of 5
786
ratings and reviews
97%
recommended
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Cruise
Filed claim
The trip included a
cruise
tour
AXA Assistance USA Silver
will need your service on my next cruise may 5 thru may 12 2018 mexican riviera
Earl H. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Crystal
    AXA Assistance USA
    Photo
    Thank you for your review. We hope you enjoy your cruise and look forward to providing travel protection for your trip! We appreciate the opportunity to provide coverage for you and hope you will consider AXA Assistance USA for future travels.
    May 22,2017
The trip included a
tour
AXA Assistance USA Silver
I have no idea if they would have provided good coverage had I needed it, since I did not have to make a claim. I know they turned down my claim I had on the last trip prior to this. Fortunately, my trip this time went without any snags.
Judith T. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Crystal
    AXA Assistance USA
    Photo
    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!
    May 15,2017
The trip included a
tour
AXA Assistance USA Silver
Did not need to file a claim, but peace of mind is always good.
Keith G. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Crystal
    AXA Assistance USA
    Photo
    Having that sense of peace of mind can really often be priceless. We are proud to have been a part of it for you. Please think of AXA Assistance USA for any future travels and we hope to continue to provide you with a worry-free experience.
    May 15,2017
The trip included a
cruise
AXA Assistance USA Silver
It took many calls and repeated copies of trip cancellation before we received a refund of our trip deposit. The process took over 75 days for something that should have been quite simple and straight forward.
George A. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • 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.
    May 11,2017
    • GeorgeA
      Photo
      Thanks for the information, wish we had this information when we had our problem.
      May 11,2017
  • Crystal
    AXA Assistance USA
    Photo
    Thank you for your feedback. We apologize for any difficulties you may have experienced in filing a claim. We appreciate your comments and continually use customer feedback to improve our products. We hope you will consider us again for future travel.
    May 15,2017
The trip included a
tour
AXA Assistance USA Silver
Even thought we didn't need to file a claim, it was reassuring that we were covered, in case of an emergency. That's what insurance is all about.
JUDITH L. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Crystal
    AXA Assistance USA
    Photo
    Having trip coverage certainly helps you focus on the important things like enjoying the travel experience and destination. We appreciate the opportunity to provide coverage for you and hope you will consider AXA Assistance USA for future travels.
    May 15,2017
The trip included a
cruise
AXA Assistance USA Silver
While I think most plans are too expensive I am glad we had yours this time. We had no issues but we are aging and we never know what may happen en route during a vacation trip.
Howard S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Crystal
    AXA Assistance USA
    Photo
    We are happy to hear your trip insurance plan provided you with the peace of mind to allow you to really enjoy your travel experience without the worry.
    We appreciate the opportunity to provide coverage for you and hope you will consider AXA Assistance USA for future travels.
    Apr 26,2017
The trip included a
cruise
AXA Assistance USA Silver
Glad we did not need it better safe than sorry.
Keith P. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Crystal
    AXA Assistance USA
    Photo
    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!
    Apr 19,2017
The trip included a
tour
AXA Assistance USA Silver
I have done an extensive amount of travel outside the US and never before had I purchased trip insurance. I did so at the recommendation of our travel counselor at China Odyssey Tours for our 20 day trip to China in January 2017, and I am very glad I heeded his advice. Exactly at the midpoint in our trip in Chengdu, my wife tripped and fell sustaining a fracture to her upper arm near her shoulder. Because she was having a great deal of pain and no mobility in her arm, we realized that we must cut our trip short and return home. Our travel counselor cancelled the remainder of our reservations and helped us arrange flights back home. Once home, I contacted AXA to report the interruption of our trip, who told me that I should have contacted them from China before taking it upon ourselves to decide to return home early, explaining that AXA would need to make the determination to interrupt the trip. Without their involvement we ran the risk that our claim could be denied. We submitted a claim nevertheless and included the diagnosis (in Chinese) made by the hospital in Chengdu, a letter from my wife's orthopedist, and all the paperwork showing the accounting for the costs we incurred to cut the trip short and fly home. I also submitted a spreadsheet summarizing the costs. About 8 weeks past with only a confirming email from AXA stating that they received the claim, but I felt that no news meant our claim was not denied. I suppose they were making an investigation in China to make sure the claim was legitimate. Finally, I received an email telling us that AXA would pay our claim with the only exception being that they would not reimburse us for the extra night we needed in our hotel in Chengdu as that was not a covered expense. Overall, we are quite satisfied with the settlement and thankful that we purchased the insurance.

We also had a second claim that we filed with AXA for luggage delay. Delta took all of the passengers' luggage off the flight from Seattle to Beijing due to stronger than normal headwinds causing the need to lighten the weight of the plane. It took 4 days to reunite with our checked luggage. This claim was also honored and included with the insurance settlement.

Recommendations: If you believe you need to interrupt your trip, you need to contact the insurance company before you return home to get their blessing that this is a prudent action given your circumstances. They may direct you to obtain a medical opinion from someone they trust to make sure your claim will pass muster. When purchasing the insurance, I also recommend speaking to a human at insure my trip as they can help you find the best policy to meet your needs.

Bottom Line: Would I purchase trip insurance again. If I am purchasing an expensive tour where I have to pay the entire cost of the trip up front before I leave, I would certainly buy a trip insurance policy again.
Harry K. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Carol
    Photo
    It is always a pleasure to receive a great review. There is no doubt that AXA Assistance USA did their very best to successfully resolve your claim including translating your medical documents from Chinese.

    Your recommendations to your fellow travelers are also spot on! We humans at InsureMyTrip look forward to receiving your calls.
    Apr 09,2017
  • Crystal
    AXA Assistance USA
    Photo
    Thank you for the review! We are delighted to know you’re happy with your purchase and had a claims experience. We hope your wife is recovering well. We appreciate the opportunity to provide coverage for you and look forward to providing travel protection for all of your future endeavors!
    Apr 10,2017
AXA Assistance USA Silver
VERY nice to have such great, easy to purchase coverage. We will use you for all our travel ins. needs.
Dave W. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Crystal
    AXA Assistance USA
    Photo
    Thank you for the kind review! We are delighted to know you’re happy with your purchase and 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!
    Apr 03,2017
AXA Assistance USA Silver
I am a big believer in trip insurance. I have had to make a claim occasionally, but it provides peace of mind should something go awry. I travel at least annually for pleasure both domestically and internationally and have bought trip insurance for more than 20 years.
Robert D. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Crystal
    AXA Assistance USA
    Photo
    Having that sense of peace of mind can really often be priceless. We are proud to have been a part of it for you. Please think of AXA Assistance USA for any future travels and we hope to continue to provide you with a worry-free experience.
    Apr 03,2017
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