Travel Insurance Reviews for AXA Assistance USA

Thank goodness we didn't have to file a claim.

Customer service was friendly and easy to work with when I purchased the plan. Thankfully, we did not need to use our purchased travel insurance. It was a comfort to know we had additional coverage if we needed it on our trip.

Since I did not file a claim my review is not 100% accurate. It is the service provided once a claim is necessary that matters. Thankfully I did not need to use the insurance. I felt satisfied with coverage.

It’s really impossible to accurately rate this plan since we, fortunately, didn’t actually have to use it. All I can say is that it looked good on paper, and I hope it would’ve worked well if we had needed to use it.

I have been a customer of insuremytrip.com for more than a decade, they compare different rates with different insurance providers. I have mostly purchased insurance from Travelex through insuremytrip.com, here they act as a broker on behalf of different insurance providers. As a worldwide traveler I find that travel insurance is helpful when you travel internationally. Most of the time when I file a claim it is for medical assistance. Depending on where you go, the medical costs may be far less than here in the US. Unless you are seriously injured or ill and require hospitalization, it might be easier not to file a claim, especially in places where medical costs are extremely nominal even without local insurance. Unless you are admitted to the hospital you must pay out of pocket then file a claim for reimbursement. I have found this process oftentimes very cumbersome, as you have to fill out multiple pages of forms to submit a claim and be successfully reimbursed. At the same time, I do recommend those international travelers to definitely have the insurance, because in addition to medical assistance, it also helps with flight delay and loss of luggage etc. Review the Terms & Conditions carefully, as they may not cover storms that have already been announced or other exclusions. The insurance Only covers unforeseeable problems.

This is my 18th purchase of travel insurance from Insuremytrip.com. I've only needed it once... That bill was $279,000.00 covered by my health insurance plan and nearly $14,000 of uncovered expenses paid out within 10 days by my travel insurance.

Thankfully, I didn't need it this time either, but I'd never leave home without it, EVER! And neither should you!

BTW, took the Platinum plan rather than the basic coverage because Medicare does not cover any medical expenses outside of the United States and while Medicare supplement plans sometimes provide a once in a lifetime time $50,000 maximum payment, see my bill above to understand why that's useless!! TRAVEL INSURANCE! Don't leave home without it.

We, fortunately, had no need to file a claim, but appreciated having the peace of mind that the policy provided.