axa assistance usa travel insurance

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AXA Assistance USA

Generous coverage for medical expenses and medical evacuation

Cancel for any reason (CFAR) coverage available with Platinum plan

Gold and Platinum plans can cover preexisting medical conditions

Silver plan doesn't offer any optional coverages

Unimpressive reviews from past customers

What AXA Assistance USA Is Known For 

AXA Assistance USA offers three main travel insurance options that help consumers protect against various mishaps that can occur during trips within the United States and abroad. For example, the company's Silver, Gold and Platinum plans offer coverage for trip cancellations and interruptions, lost and delayed baggage, travel delays, emergency medical expenses, and more. While the basic Silver plan offers essential coverage at a more affordable price point, the Gold and Platinum plans from this provider offer more benefits and higher coverage limits overall.

Standout benefits of AXA Assistance's premium travel insurance plans include a selection of optional coverages consumers can purchase for more protection. While the Silver plan doesn't have any optional benefits, consumers who choose the Gold plan can tailor their coverage with optional rental car coverage. With the Platinum plan, travelers can add on coverage for lost ski days, lost golf rounds, sports equipment rentals and car rentals.

Platinum coverage is also the only plan from AXA Assistance that lets travelers purchase cancel for any reason (CFAR) coverage . This type of insurance reimburses travelers with 75% of their prepaid trip costs for airfare, hotels, tours and more, and it can apply when travelers cancel their trip for any reason at all.

Also note that both the Gold and Platinum plans from AXA Assistance USA provide coverage for preexisting medical conditions that existed at least 60 days before purchasing a policy. However, travelers do need to pay for their insurance coverage within 14 days of making an initial trip deposit for preexisting medical coverage to apply.

At the end of the day, there's plenty to like when it comes to the travel insurance options from this provider, whether you want essential benefits only or a premium plan with all the bells and whistles. Not only does AXA Assistance offer several plans that can suit different types of trips, but its optional coverage options make it even easier to tailor a travel insurance policy to your needs.

AXA Assistance USA for Individual Trips

Like other travel insurance providers, AXA Assistance offers several tiers of coverage to choose from. This makes it easier for travelers to select the exact amount of travel insurance protection they need with the policy limits that make sense for their trip.

The chart below provides an overview of available plans, what they include and policy limits that apply.

Available coverage from AXA Assistance USA is offered in three tiers. Where the Silver plan offers limited benefits and lower policy limits overall, the Platinum plan offers more included perks, more optional coverage options and higher policy limits overall. The Gold falls somewhere in between.

Here's an overview of the type of traveler each plan could work best for:

• Silver: While the Silver plan is the lowest tier of coverage available from AXA Assistance USA, it still offers generous benefits for medical expenses and emergency evacuation coverage. Other included perks can also protect your trip, including coverage for lost or delayed bags, missed connections, travel delays, and more. Overall, this plan is geared to travelers who want ample coverage for medical emergencies but want to pay lower premiums for their plan.
• Gold: The Gold plan from AXA Assistance USA offers higher limits than the Silver plan, especially when it comes to medical expenses and emergency medical evacuation. This makes it a solid option for people who are mostly worried about having coverage that can pay for emergency medical bills or emergency medical evacuation in the event of an injury or illness. Of course, additional benefits with this plan also come with higher policy limits as well.
• Platinum: The Platinum plan from this provider is for travelers who want the highest policy limits for medical emergencies, medical evacuation, travel delays, lost or delayed baggage, and more. This plan also has the most optional coverages that let you tailor your travel protection to your unique needs, and it's the only one from this provider that lets you purchase CFAR coverage. This additional benefit lets you cancel your trip for any reason you want and get 75% of your prepaid travel expenses back.

AXA Assistance USA Costs

The costs for a travel insurance plan can vary widely based on the company you purchase from, the ages of travelers in your group, your destination, the length of your trip and other factors. The tier of coverage you select can also impact your travel insurance premiums, especially if you opt for a premium plan with more benefits and higher levels of coverage.

We applied for travel insurance quotes for a range of example trips to help you find out approximately what you would pay with AXA Assistance USA. Note that premiums shared below do not include any optional coverages.

Reading travel insurance reviews can give you a glimpse into the experiences of past users when it comes to filing claims and receiving reimbursement. Unfortunately, this is one area where AXA Assistance USA appears to have some issues.

While the company has an A- rating with the Better Business Bureau (BBB), it is not accredited. AXA Assistance also has an average star rating of 1.47 out of 5 stars across user reviews on the BBB, and it has 35 closed customer complaints on the platform in the last three years. On other review platforms, it has a higher star rating.

The reviews below from various platforms provide a mix of positive experiences along with some of the most common customer complaints found with the company.

AXA Assistance USA Gold

Due to a personal tragedy at home my wife and I interrupted a cruise and returned home at the next port. The claim form and related documentation requested by AXA Assistance USA was emailed to their claims office on December 9th. On December 14th, I received an email from the claims adjuster confirming approval of the claim and that the payment check would be received in 10 to 15 business days. Based on my experience I would highly recommend this company. – John R. via InsureMyTrip

Policy: Gold

Absolutely terrible customer service experience. I filed my claim in January, after my flights were canceled and delayed. I did not even hear back until March! The message—delivered two months later—was garbled and incoherent. The amount of reimbursement was left blank, and the larger portion of the claim was denied, without a clear explanation of why. This is NOT what I expected when I paid over $2,000 for a policy! To date, no human spoke to me or emailed me. My calls haven't been returned, and no adequate explanation had been given. The denial "letter" simply quoted from the exclusions language of the policy but offered NO explanations as to why the exclusions purportedly applied. Extremely disappointed in the "services" offered. – Nicole via Squaremouth

Customer Review

They paid very slowly, but they eventually did pay. I took a trip to ***** in June 2022. While there, I got COVID just before I was to return. My return home was delayed by 9 days, and I had to buy a new return ticket home to *******. They do not respond to emails (other than the standard automatic "We received your correspondence, blah blah") but no personal communication until 8 to 10 weeks later. Don't bother calling because you will be put on hold for a very long time, then be disconnected. So, a grade of "F" for communication. Eventually I was contacted, however, and the claims agent asked for more information, including pdf copies of my receipts. I sent them the documentation and receipts, and to my shock, three weeks later, a check arrived in the mail with the full amount of reimbursement I had requested. I expected them to quibble over the receipts, but they didn't. Can I recommend them? No. Will I insure with them in the future? Certainly not. But to their credit they did reimburse me, and for the full amount I asked for. – William S. via Better Business Bureau

I had to cancel my trip. I ripped up my knee. I just got confirmation from AXA that I would receive a check for the full amount of the cost of the trip. I am looking forward to receiving my check. It was quite timely on their part. I would definitely recommend them and use them for my next trip. – Carl K. via InsureMyTrip

I am appalled by the poor service I have received thus far from AXA Assistance USA. The length of time to process a claim and respond to inquiries is absurd. – Sally via Squaremouth

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been writing about travel insurance for more than 10 years. Johnson has researched and purchased travel insurance plans for her own trips to destinations around the world, and she currently uses an annual travel insurance plan from Allianz for her own family. Johnson has two teenage girls and co-owns the travel agency Travel Blue Book . She works alongside her husband, Greg – who sells travel insurance for trips all over the world – in their family media business.

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PLATINUM PLAN

Designed to provide the highest level of coverage for unexpected events

Travel Insurance | Platinum Protection  

The platinum protection plan offers optional coverages for:.

• Lost Ski Days
• Lost Golf Rounds
• Collision Damage Waiver
• Trip Cancellation for Any Reason
• Coverage for Pre-Existing Medical Conditions

Why choose Platinum Protection?

Accident & health, optional benefits, compare travel insurance plans.

Get covered against Trip Delays, Medical Emergencies, Lost Baggage, and more!

How do I purchase the Platinum Plan?

• Click here to fill out the travel form with your travel information
• Choose a travel plan and selection of optional add-ons 
• Review the policy terms and conditions, including any exclusions or limitations; premiums will depend on the coverage package you selected
• Once your payment has been processed, you will receive a confirmation email with your policy details. Read policy documents and keep them in a safe place for future reference

Also see: Plan Comparison Table | Gold Plan | Silver Plan

Need help choosing a plan.

Speak with one of our licensed representatives or our 24/7 multilingual Insurance advisors to find the coverage you need for your next trip. From Medical Coverage to Trip Cancellation Protection, our team of travel experts will help you choose the right coverage.