AXA Assistance USA

We had to cancel our trip for medical reasons.
We contacted AXA Assistance USA on the same day that the health emergency occurred.
We were treated cordially and received the claim forms via email promptly.
Our doctor filled out the medical portion of the forms and we sent the packet of all completed material within 8-9 days of the medical emergency.
The first time we heard anything from AXA Assistance USA was today. Via an email we have been informed that our claim materials have been received and are being processed.
It is unclear why three weeks have elapsed before this notification was sent to us.
Apparently the 30 day processing time begins today, although we have no way of knowing where the claim has been for three weeks.
We will be able to give more complete feedback about our experience with AXA Assistance USA after our claim is processed.

NOTE: We selected 1 star to answer the question about our experience "during" the trip - which we never took. There was no way to correctly answer this question.

I purchased this insurance because it included rental car coverage. When I got to Ireland, I was told I needed proof that my policy covered Ireland specifically. My policy paperwork didn't specifically say this, so I called AXA internationally and spent about 20 minutes at $2/min while the representative kept putting me on hold, only to find out that he couldn't figure out if Ireland was covered or not. He said he had nothing that indicates which countries are covered, so I was forced by the rental company to buy a $400 policy. (The rental was prepaid so I couldn't cancel & shop around either). I can't understand how a travel insurance company wouldn't be able to say which countries are or are not covered. Useless.

AXA notified me that my claim was approved. I did not receive a check for some weeks so I had to call. They said the check was supposed to have been sent but had not and they would overnight the check. After a few days, I called again. AXA said they mailed the rather than FedX. I did get the check but probably would not have had I not called and been persistent.

Highly recommended and would definitely use AXA again.
Our bags didn't make the flight on our return home, so when we got home from our 3 week trip to Europe we didn't have any of our daily needs or even our underwear and socks since we had been gone so long. We waited 24 hrs and still no bags and no word from the airline so we went out and bought our necessities. The bags finally arrived 80 hours late, fortunately, because we would have lost much more than the insurance would have covered in our AXA Gold policy. I say this, because you don't really realize how much your clothes are worth until you sit down and itemize them. Plus, if you tried to replace everything immediately you'd have to pay full price for items you may have bought on sale. Additionally, my wife was very upset at the thought of having to shop for all her clothes because women's clothes are such a hassle to buy since everything fits differently.
We submitted a claim for our purchases and we just received a letter stating that we will be reimbursed for our full claim.
I am very pleased with this service and will definitely use AXA in the future, however, I will probably increase my coverage from Gold to Platinum because when we thought our bags had been lost by the airlines we read that 24 million bags are lost each year.