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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 the United States rated the AXA Assistance USA Silver plan
4.41 out of 5
100
ratings and reviews
93%
recommended
Sort by
Cruise
Filed claim
AXA Assistance USA Silver
Your company's customer service STINKS!!!!!!! After devastating floods on Kauai just before our trip began, I called to explore coverage due to a natural disaster (declared so by the Hawaii state governor). All I got were two different reps who did nothing but read from your legal-eeze filled conditions of coverage. They offered nothing in the way of interpretation, or application of the policy to our circumstances. Had we actually needed to file a claim, I would have been strictly on my own, not having any clue as to what would be covered, and what would not. We will NEVER again use AXA for travel insurance. It is throwing money away to think AXA might actually cover any part of expenses incurred due to a natural disaster. (We travel a lot, and do purchase travel insurance regularly. Yes, I did file a claim once, for a medical emergency. Yes, one of your competitors did honor our claim. So, I do know something about the process. Yes, I repeat, your company STINKS!!!!!. As a first step, why don't you hire some phone reps that actually try to help your customers. Anybody can read your legal-eeze back over the phone. What is needed is some help with LOGICAL and PRACTICAL interpretation of your policies based on local conditions.)
James P. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Carol
    Photo
    Thank you very much for taking time to submit your review to share with your fellow travelers. As an online platform, our “Ratings and Reviews” allows our customers to share their personal experiences with our insurance providers, but it also offers our providers an opportunity to better explain their policies. In reply to your comments, AXA Assistance USA reviewed your calls. At the time of your call, the Hawaiian State government had not yet declared the devastating floods a natural disaster. You had also indicated that your flights were not impacted and your resort was open and operational. You expressed concern that you would be spending your vacation in your hotel room instead of traveling around the island, so you wanted to explore canceling your trip under Trip Cancellation.

    In any travel insurance plan, Trip Cancellation reimburses only if it’s a covered reason as listed in the policy. Covered Reasons vary from plan to plan. With respect to natural disasters, your Trip Cancellation coverage was limited to the following covered reasons:

    “...(b) Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 24 consecutive hours.

    (c) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable...”

    Since you called the company 3 days prior to your departure date when your flights were still flying and your resort was still open, there was no basis for a Trip Cancellation claim. We understand that this is never what a customer wants to hear, so the representatives went through the plan to explain the reasons that might apply if your flights were canceled or the resort closed as you got closer to your departure date.

    In the future, you may wish to call us for assistance prior to purchasing a policy. You could have purchased Cancel for Any Reason (CFAR) which is an optional benefit offering the opportunity to cancel your travel plans for reasons other than those listed as “covered reasons” on a policy. CFAR gives you greater flexibility and freedom when making decisions about your travel reservations. CFAR is offered as an add-on benefit if you meet certain criteria. Under an AXA Platinum plan, CFAR would reimburse you for 75% of your prepaid, non-refundable travel expenses as long as you met the coverage conditions.

    We are sorry to hear that your interaction with AXA was not what you were expecting, but it's important for travelers to understand the importance of the covered reasons listed in all travel insurance plans. Perhaps you will give us an opportunity in the future to insure your trips.
    May 08,2018
The trip included a
tour
AXA Assistance USA Silver
I have bought this plan many times and have only had to use it once. My claim for that trip was handled promptly and payment received in a short time.
Jack D. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
AXA Assistance USA Silver
Thankfully we didn't have to use the insurance.
Joseph C. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
AXA Assistance USA Silver
I'm glad that I didn't have to use the insurance, but it brought peace of mind to know that I had it if I needed it.
Cassie S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Andrew Ostrander
    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.
    Dec 05,2017
The trip included a
cruise
tour
AXA Assistance USA Silver
Fortunately I did not have to make a claim but I felt confident that I would be covered, should I need it.
Jean H. would 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. We look forward to providing travel protection for all of your future endeavors!
    Nov 09,2017
The trip included a
cruise
tour
AXA Assistance USA Silver
Didn't need the insurance, but it gives me peace of mind.
Bertha M. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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.
4 of 4 people found this review helpful
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
AXA Assistance USA Silver
Thankfully we did not have to use any of the plan features. it was assuring that we were covered. We checked out other plans and they were much more expensive for the same coverage,
joseph c. 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.
    Mar 09,2017
The trip included a
tour
AXA Assistance USA Silver
Fortunately we did not have to file a claim,but I appreciate the affordability of the policies offered and the ease of comparing the policies.
phyllis a. 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!
    Mar 01,2017
The trip included a
tour
AXA Assistance USA Silver
I thought it was a bit pricey. I found the representatives I dealt with to be knowledgable and friendly. I would prefer that my review not be published.
Heidi S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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