AXA Assistance USA is a travel insurance provider for US-based customers. Read on to learn pros, cons, pricing, and more.Visit Website
|AM Best Rating||A+|
For those who have purchased travel insurance in the past, AXA Assistance USA may already be a familiar name. The French multinational insurance giant provides third-party international assistance services for many recognizable brands, including MetLife, Medical Mutual, and more. What you may not have known is that AXA Assistance USA also offers travel insurance options direct to consumers as well.
Should you get AXA Assistance USA before your next trip? In this article, we’ll break down everything you need to know about AXA travel insurance, and if it may be the best product for your vacation.
AXA was founded in 1816 as a mutual insurance company in Paris, France. For the first 160 years, the company provided insurance products for covered policies. Starting in 1978, the company started making strategic acquisitions which would see them expand into banking, financial products, health insurance and securities.
The company adopted the name AXA in 1982, not because it is an acronym, but rather because it is easily pronounced in any language. Today, the company operates in every inhabited continent in the world, and was rated one of the most powerful companies in the world based on global corporate control over financial stability.
The travel-focused side opened business in 1959, when Pedro Louis Poch started GESA, an insurance company focused on protecting travelers away from home. The company is credited as the first to offer medical repatriation to travelers, in the event they become seriously sick or injured when away from home.
In 1998, AXA purchased GESA, which transformed the country from a multi-service company into a travel-focused company. The group was renamed AXA Assistance, and works to assist travelers far from home. Today, AXA Assistance is focused on two different lines of service: providing insurance services for covered travelers, and assistance as part of other travel insurance products.
AXA Assistance USA offers three comprehensive travel insurance policies for travelers, with varying levels of coverage based on their needs. Each plan covers many of the common concerns of international travelers, including trip cancellation protection, trip delay and baggage delay protection.
Like other travel insurance options, AXA Assistance USA Plans offer coverage for the most common issues travelers face. This includes trip cancellation, trip delay, trip interruption, and emergency medical evacuation.
For those who choose the Gold or Platinum plan, there are two optional benefits available to add-on. Travelers on both plans can add on a collision damage waiver for rental cars, while those on the Platinum plan can add a Cancel for Any Reason benefit.
AXA Assistance USA Travel Insurance plans are available on the large travel insurance marketplaces, including Squaremouth.com and InsureMyTrip.com. You can also purchase AXA Assistance USA plans directly from the company at their website, www.axatravelinsurance.com.
To get a quote, you will be asked for some limited information about your trip, including:
With this information, AXA Assistance USA will give you a quote for all three of their products. If you decide to purchase a plan, you will be asked to provide some personally identifiable information, including:
You will also need to pay for your insurance policy using a major credit card. AXA Assistance USA accepts American Express, Discover, Mastercard and Visa.
Like other travel insurance companies, your insurance documents will arrive electronically via e-mail. The information specific to your plan, including your explanation of benefits, should arrive once the insurance plan is confirmed by the company.
Information sent on the AXA Assistance USA website is protected by a SHA-256 SSL certificate. The security certificate is issued by GoDaddy Secure Certificate Authority.
Although AXA is a multinational insurance provider, their AXA Assistance USA travel insurance plans are not underwritten by their parent company. Instead, products are provided by Nationwide Mutual Insurance Company and affiliated companies, based in Columbus, Ohio. Insurance rating provider AM Best gives the company a financial strength rating of A+ (Superior), with a long-term issuer credit rating of aa- (Superior) and a stable outlook.
AXA Assistance USA is accredited by the Better Business Bureau, and holds an A+ rating with the nonprofit consumer advocacy group. The BBB has handled three complaints against AXA Assistance USA in the 12 months ending in February 2021, and a total of five complaints between 2016 and 2021.
At the travel insurance marketplaces, AXA Assistance USA holds a 4.5 rating out of five stars at InsureMyTrip.com, with 96 percent of travelers recommending their plans. Squaremouth.com users give the insurance plans a rating of 4.42 stars out of five, with only 37 negative reviews out of over 26,000 policies sold. The majority of complaints focused around the claims process, including the processing time and communications.
For travelers planning an expensive trip to see the world, ski the greatest slopes, or play that once-in-a-lifetime round at an exclusive golf course, AXA Assistance USA offers plans that are tailor-made for their adventures. At their highest plans, AXA Assistance USA features increased benefit maximums and coverage options not found anywhere else, including non-medical emergency evacuation. For those who need extra benefits in the worst case scenario, you would be hard pressed to find better benefits than those found from this travel insurance provider.
Yes -- AXA Assistance USA is one of the most experienced travel insurance and assistance providers in the world, backed by over 100 years of proven results. Their products are underwritten by Nationwide Mutual Insurance Company and affiliated companies, which is one of the most stable insurance companies in the United States.
According to the company’s position statement, all policies purchased after Jan. 24, 2020 will not offer trip cancellation or trip interruption options related to COVID-19. However, coverage may still be available in the event of a trip delay, trip cancellation or trip interruption if you are forced to quarantine due to the novel Coronavirus.
If you decide you no longer want coverage from AXA Assistance USA, you may qualify for a full refund if you submit your cancellation request within 10 days from your effective date, so long as you have not started your trip or have submitted any claims.