AXA Assistance Travel Insurance Reviews

Tried, unsuccessfully, to get a copy of the actual policy to weeks prior to departure to make sure we understood what was covered and what was not. Got no response from inquiries. As it turned out there were no problems, but I'm not sure how responsive they would have been if we had problems.

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.

Here is a copy of the email I sent to AXA Assistance:

I received a check for $5255.00 for claim # AX25489923. Why was it not for $6000.00, the amount of insurance I took out? As my reservation confirmation letter proves, the cost of the rental was $5955.00 ($5500 rent, $385 taxes, and $70 processing fee). My claim was for the rental cost plus non-refundable $50 early check in fee for Southwest Airlines.

No one called my or sent me an email that the amount I claimed was in dispute. Is this your company policy?

The representative I talked to today had no way to access my information and give me a timely answer to my question. I this company policy?

Please call me today (703-239-1073) with an answer to these questions.

(end of email I sent)

There were some technical issues purchasing the plan. Otherwise, service was good and Squaremouth called to fix the problem.

No comments

I just submitted my claim 2 days ago. It would have been nice if I received confirmation that they received the claim.

I felt the limits and exclusions for items in baggage were a bit excessive. For example, they will cover a $250 digital camera but not a $180 dollar pair of sunglasses. Both are expensive, personal and deal with optics. So why one and not the other? Probably has to do with your odds of losing Sunglasses are higher than the camera. And if you really read the exclusions list, it almost reads as though it could be anything that would ever possibly be in your bag. In the end, they paid out half my claim. It was alright I guess. I still feel like they should have covered the sunglasses.

I ordered the insurance but did not receive the confirmation email. Even though I had the policy info from the point of sale I wanted the email to confirm. Ink called the AXA 800 assistance and the rep was very helpful. She confirmed the terms of the policy and determined that I had entered my email address incorrectly. She corrected it and I had the email confirm within a few hours. We never needed the insurance, but it was necessary for us to book the trip. I highly recommend travel insurance peace of mind. Square mouth was a great tool to compare and learn about the options available.

Overall, it was an easy system to use and the customer service person I spoke with was pleasant and helpful. I liked being able to easily and effectively compare a wide variety of offerings for my insurance needs. I did have to figure out with customer service how to input the application when I did not have a flight component to my trip - i.e., I was travelling by car so didn't have a booking date as such. It would be very helpful if you built a road trip component into your coverage so we could tailor the travel insurance more closely to our needs.

I would recommend this policy or similar to others in the future.