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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 who have visited Costa Rica rated the AXA Assistance USA Silver plan
4.00 out of 5
10
ratings and reviews
70%
recommended
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Cruise
Filed claim
The trip included a
tour
AXA Assistance USA Silver
It's hard to rate a product when you haven't had to use it.
Charles C. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
tour
AXA Assistance USA Silver
My only thought was that I was over insured. The tour I was on had some coverage, but not cancellation insurance. So I felt I was paying double for similar coverage. However your price was the best I could find. I can't speak for your abilities in covering all these things as my trip was went off without a hitch.
Richard E. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Andrew Ostrander
    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. Feel free to call if you need assistance in choosing the right coverage level. AXA Assistance USA looks forward to providing travel protection for all of your future endeavors!
    Jan 16,2018
AXA Assistance USA Silver
Just glad I never had to test it!
Danette M. 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’re happy to hear you had a trouble-free trip but were covered in the event the unexpected occurred. We appreciate the opportunity to provide coverage for you and look forward to providing travel protection for all of your future travels.
    Apr 07,2016
The trip included a
tour
AXA Assistance USA Silver
To begin, when I tried to get the necessary form to file a claim, not only was AXA's phone system a mess, causing me delay after delay until I finally reached someone in Chicago who sent me a PDF that would not open, (and I have the newest version of Adobe Reader), and then that person was "not at her desk" immediately after she sent it - so after trying multiple times to reach her again, and her failed attempts to get me a document that WOULD open (she could not send a Word Doc), I had to have them send it snail mail. And that was just the beginning of my frustrations.

The reason I filed a claim was that when Delta changed our return flight to an earlier time, I was too far out in the country of Costa Rica to make the flight on time by scheduled means (van + ferry + van), so I bought a flight to get us to the airport a day early, and stayed in a hotel so we could make the flight home with Delta. AXA would not cover this under "Missed Connection" or Flight Delay" because it was not "a reactionary" event or "a defined Hazard".

I guess I should have missed the flight, stayed in Costa Rica another couple of days until Delta could reschedule us at $200 more each, and sent AXA the bill then. It would have been a lot more than what I wanted to be reimbursed for, but perhaps AXA would have had to pay me. On the other hand, they would have probably found some excuse not to.

I don't know what Insurance company would have covered my situation, or what policy, but it seems like buying insurance at all is just not worth it because of so many fine points they can find to NOT reimburse you. And the frustration of dealing with THIS company on the phone was extremely stressful.

When I buy travel insurance again, I will read the policy much more carefully and definitely not buy it from this company.
Michael R. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Zac
    Photo
    Thank you for your feedback on the policy. We are sorry to learn of the setbacks you experienced when attempting to initiate and file a claim. We will forward your review to AXA Assistance USA.

    Based on the explanation provided by AXA per your review, they are correct is saying that Travel Delay or Missed Connection requires you to experience the Hazard in order to receive coverage. In our experience, the large majority of travel insurance companies would work the same way.

    In the future, we encourage you to call us at 800-487-4722 prior to purchasing a plan so that we can help you select a plan that best suits your needs and explain how the benefits apply.
    Mar 26,2016
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