Travel Insurance Reviews for AXA Assistance USA

AXA's USA Platinum trip cancellation insurance was terrible. I purchased trip cancellation insurance that included terrorism coverage. My trip was to Cairo was scheduled to depart three weeks after the Hamas massacre of October 7th and the start of the ongoing war. The US State Dept. warned that terrorism had occurred and was occurring in Cairo. They stated that vacations to Cairo should be "reconsidered" due to terrorism. I cancelled my family trip for five people, relying of the insurance I purchased. I met the three criteria for cancellation coverage in the policy and provided proof to adjusters. AXA denied my claim and my appeal. They made up false reasons to deny the claim , contorted the facts and never really tried to honor their policy. Their terrorism policy does not even define the word terrorism in the policy. If there was ever a reason to honor cancellation insurance, this was it. Cairo was a hotbed of terrorism events and risks when I cancelled. We were terrified to travel and the State Department directives encouraged cancelling. We are appalled that Axa thought we should have gone. They should be ashamed of themselves for selling a useless policy and charging me expensive premiums which they wouldn't refund.
By the way, if you eliminate the five star reviews given by those who never made a claim, you will find a high percentage of claim denials. Buyer beware of this company.

I purchased a plan from AXA Assistance to cover everything, cancel for any reason, terrorism, medical reasons, etc. I was unable to go on my trip due to medical reasons, so I filed a claim. I had my physician fill out their form, and I faxed in the paperwork immediately with all the other requested information. They sent me an email saying they received my fax and to wait 30 days before expecting a response. Really? I waited 30 days, called and spoke with a representative that was very contrite, and told me I would hear from someone soon. Another week went by, so I called back and was told again that someone would reach out to me. The next day I received an email from a claims adjuster that my medical form was not correct. The physician said I was unable to travel from the time of my clinic appointment to the present day, which was the case. So I had to call again and ask why that was not correct. Again, the representative was very polite. At this point I was very angry. I asked what I was supposed to have the physician state on the form? I was told that there can't be an open date. Several times on these calls I pointed out that I purchased a policy that covered "cancellation for any reason" so I didn't understand why this was taking so long as I had a valid reason. I accused them of dragging their feet so that they wouldn't have to pay the claim. Twice I had representatives ask me if I changing my claim filing under "cancellation for any reason." I was reluctant to start the process over as much time had already passed.
I sent in the correct form from my physician with a finite date, that ended when the tour ended. Apparently that is their policy, but no one informed me before. Why didn't the claims adjuster just state their policy? And why do they need a finite date for medical reasons? I faxed in the updated forms with a letter that stated I was going to notify the state insurance commission, as well as post negative reviews on every social media site I was able. I received a confirmation the next day via email that my claim was approved. They sent me a check, but it took at least two weeks.
I would NOT recommend this company. As I stated, I really felt as though I was given the run around so as to delay or avoid payment of my claim.