Travel Insurance Reviews for AXA Assistance USA

We purchased AXA insurance for a European Trip that included a Baltic cruise. All went well until we returned to the States thru NYC. They had issues going on and were cancelling flights due to "congestion". Eventually our flight was cancelled. We immediately reported it to insurance 8/02 and was advised to get statement from Airline of reason for cancellation. The statement on our paperwork said a/c maintenance so the Airline was responsible for our room (or so we thought). A day and a half after we were to arrive home we did. We worked for 2.5 weeks to get airlines to pay portion and then submitted to insurance everything airline did not reimburse. Insurance did nothing until I called to check on status 2 weeks after submission. They sent us a letter asking for more documentation about hotel room and airport parking for the 1 extra day we submitted. We submitted again and 3 weeks later had not heard a thing. Contacted insurance again and was apologized to- it was put on hold. Finally received full payment requested 2 months after submitting. IF YOU BUY AND HAVE TO USE CALL FREQUENTLY AND STAY ON TOP OF THEM. Nothing was done until after each phone call and believe me they say call to check on status- it appeared they do not want you calling to check on status because nothing has been done until you call. Keep every receipt and document otherwise you will never get your refund, Frustrating experience if you have to use insurance.