AXA Assistance USA Travel Insurance Review 2022 – Forbes Advisor – Forbes
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Updated: Nov 3, 2021, 1:06pm
AXA’s Platinum plan hits all the high points for coverage that you’ll want if you’re looking for top-notch protection.
Tourists, vacationers, cruisers and other travelers can buy one of three comprehensive plans from AXA Assistance USA that cover all sorts of travel-related problems such as trip cancellations, missed flights, lost luggage, injuries and illness. Travelers in need of assistance worldwide can tap into AXA’s extensive international network of assistance services.
AXA Assistance USA’s Platinum plan (above) is its highest-rated plan according to Forbes Advisor’s ratings of the best travel insurance.
AXA Assistance USA’s Silver plan: The Silver plan includes $25,000 for medical emergency coverage and $100,000 for emergency medical evacuation. You’ll also get $200 for baggage delay and $750 for baggage and personal effects coverage.
AXA Assistance USA’s Gold plan: This plan includes $100,000 for medical emergency coverage and up to $500,000 for emergency medical evacuation. It also includes $50,000 for non-medical emergency coverage. You’ll get $300 for baggage delay and $1,500 for baggage and personal effects coverage.
If you need extra coverage for a rental car, you may be able to add a collision damage waiver (CDW), depending on your AXA Assistance USA plan. Gold policyholders can add a $35,000 CDW and Platinum policyholders can add a $50,000 CDW.
Travelers with Platinum plans who want even more flexibility can add “cancel for any reason” (CFAR) coverage within 14 days of your initial trip deposit. CFAR coverage will reimburse 75% of your prepaid trip costs if you want to cancel—no matter the reason—even if it’s to stay home and watch HBO.
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Preferred Plan
Platinum
Covers Covid?
Yes
Medical & evacuation limits per person
$250,000/$1 million
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Via Squaremouth’s Secure Website
Because policy limits and benefits vary among AXA Assistance USA’s travel insurance plans, so does pricing. Rates generally vary by your age and trip cost. Here are cost examples for AXA’s Platinum plan.
AXA Assistance USA’s plans include access to their 24/7 travel assistance hotline. The assistance team has multilingual specialists who can help you with problems like reporting lost baggage and coordinating emergency medical treatment.
All travel insurance plans have exclusions. It’s a good idea to read your policy closely and familiarize yourself with what your plan does not cover. Here are some examples of exclusions to emergency medical coverage for AXA Assistance USA’s Platinum plan:
You can download AXA Assistance USA claim forms online and find customer service contact information.
We scored 46 policies to find the best travel insurance plans using data provided by Squaremouth, a travel insurance comparison provider. When companies had more than one high-scoring plan we used the highest-scoring option. Our ratings are based on each plan’s score for benefits (⅔ of score) and average prices for a variety of trips and traveler profiles (⅓ of score).
The benefits scored were: medical expenses, medical evacuation, Covid coverage, pre-existing condition exclusion waivers, “cancel for any reason” coverage, trip interruption, travel delay time requirements, baggage delay time requirements, baggage reimbursement
hurricane and weather coverage requirements, financial default of a travel supplier.
Compare Quotes With Over 22 Travel Insurers
AXA Assistance USA has plans that include coverage for Covid-related medical expenses and trip cancellation.
If you get Covid before your trip and have to cancel, these plans will reimburse you for 100% of your pre-paid and non-refundable trip costs. If you get Covid during your trip, these plans can pay for medical costs.
Pre-existing medical condition waivers are available from AXA Assistance USA. It’s a good idea to check your plan’s details to confirm coverage.
This waiver means that pre-existing conditions won’t be excluded from your coverage. For example, AXA Assistance USA’s Platinum plan will cover pre-existing conditions if you buy the plan within 14 days of your first trip deposit. You must also be medically able to travel on the policy’s effective date.
AXA Assistance USA Travel insurance offers “cancel for any reason” coverage as an optional benefit to its Platinum plan. You cannot add this coverage with a Silver or Gold plan.
“Cancel for any reason” gives you the flexibility to cancel your trip for a reason not listed in your plan’s base trip cancellation reasons. For example, you could cancel your trip because you are concerned about a Covid outbreak.
If you want to add “cancel for any reason” coverage to the Platinum plan, you must do so within 14 days of your initial trip deposit. AXA Assistance USA’s “cancel for any reason” policy will reimburse you 75% of your nonrefundable trip costs.
