Travel Insurance Reviews for AXA Assistance USA

Correct, some credit cards offer a form of travel insurance; however AXA Assistance USA offers comprehensive plans that may go beyond the basic protection. Having the assurance of knowing you will be taken care in the event of an occurrence can often really be priceless. We are proud to have been a part of it for you. Please think of AXA Assistance USA for any future travels and we hope to continue to provide you with a worry-free experience.

Thank you for your feedback on the policy. We agree that there are many customers who are primarily looking for travel medical coverage. It is important to note that Emergency Medical Evacuation will also be included in any plan that offers medical coverage.

The AXA Assistance USA Gold plan can be purchased with a $0.00 trip cost to provide Medical and Emergency Medical Evacuation Coverage, but will no longer provide Trip Cancellation and Trip Interruption coverage. You will also forfeit coverage for pre-existing medical conditions. The premium of the policy would decrease by reducing the trip cost to $0.00.

As another option, you can purchase a Single-Trip Medical plan. However, all Single-Trip Medical plans will provide secondary coverage. Many will also include pre-certification requirements and likely not cover pre-existing medical conditions.

In the future, please give us a call at 800-487-4722 so that we can help find the best plans for your particular concerns.

We appreciate your review of the AXA Assistance USA Gold plan. Actually you can purchase any of the Comprehensive plans up to the day before you depart on your trip. However, most plans do offer some time-sensitive benefits that will only be included in the policy if purchased within 10-30 days (depending on the plan) of your initial trip payment.

The time-sensitive benefits offered by many companies include the Pre-Existing Condition Waiver which waives the 60 to 180 day (depending on plan) Lookback Periods included in these plans. The Lookback Period is the amount of time an insurance company may look back into your medical history to see if your medical condition, that is the reason for the claim, received treatment or a recommendation for treatment. If that condition proves to be a Pre-Existing Medical Condition, then you would not have coverage unless you had the waiver.

Some other time sensitive benefits include, but are not limited to, Cancel for Any Reason, Financial Default, and Cancel for Work Reasons. These time-sensitive benefits all put the insurance company at a higher risk for loss.