AXA Assistance USA Travel Insurance Review – 2022

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Because it covers unexpected medical expenses, travel insurance is crucial. It will reimburse you for lost, stolen, or canceled flights as well as other unforeseeable circumstances that could occur while you’re away.

It’s simple to say that there are many things to take into consideration. 

However, not all policies are the same. Before you buy a policy, it is important to know what you’re covered. This article will provide a detailed review of AXA Assistance USA’s travel insurance. To help you decide if this travel insurance provider is right, we’ll talk about the costs, coverage limits and exclusions.

AXA Assistance USA offers travel insurance plans

AXA Assistance USA offers three levels of coverage: Gold, Silver, and Platinum. Each plan includes different coverages, and each plan has a different level of protection. Platinum offers the most premium coverage and the Gold is the most basic.

Some policies may include additional coverage at no extra cost, such as a waiver of pre-existing conditions, fee reimbursements for single occupancy rooms or emergency medical assistance anywhere on the planet. To see what’s included in each policy, compare them carefully.

Additional coverage options available from AXA Assistance USA

Add-ons will depend on the plan you choose. Platinum plan holders can add CFAR coverage (cancel for any reasons) to their Platinum plan. This will allow them to get a full refund if they cancel within 14 days after making the initial deposit.

You can also add collision damage waiver (CDW) to your AXA Assistance USA policy if you need additional protection for your rental car. Gold plan policyholders can add a 35,000 CDW, while Platinum plan policyholders can add a $50,000 CDW.

How much does AXA’s travel insurance cost?

You will pay a premium depending on many factors, including the destination and age of the traveler, as well as the total trip cost.

Consider, for instance, the premiums if a Florida resident aged 50 spends $5,000 to go to Denmark.

The Silver plan is almost 3.5% of total trip cost while the Platinum plan is just over 5%. 

Another example. We looked at the premium costs of a New Yorker 45 years old taking a $3000 trip to Mexico. The Silver plan is the cheapest and costs only 3% of the trip cost. While the Platinum plan is 5%.

It is obvious that premiums will rise as the trip costs go up and the traveler gets older. However, these rates still meet industry standards. 

How can I file a claim for AXA Assistance USA

You can file a claim online with AXA Assistance USA by visiting the claims forms page. Once you’ve completed the form and have all required documentation, you are ready to mail your claims.

AXA Assistance USA 

Nationwide Mutual Insurance Company (and Affiliated Companies) 

P.O. P.O. Box 26222 

Tampa, FL 33623 

Or, submit your claim via email to [email protected].

These are the AXA Assistance USA customer service numbers:

Toll-free at (888) 957-5015

Collect (727). 450-8794

Compare AXA Assistance USA and AIG Travel Guard

We’ll compare AXA Assistance USA and AIG Travel Guard by looking at the coverage levels of both their mid-tier plans, Silver plan, and Travel Guard Preferred plan. 

AIG’s Travel Guard Plan Preferred plan will provide you with:

• Trip cancellation coverage upto $150,000 
• Trip interruption coverage as high as $225,000
• Provides emergency medical coverage up to $50,000
• Insurance coverage for baggage theft, damage or loss up to $1,000
• Up to $800 in travel delay coverage

Comparing these coverages with AXA’s Silver plans, you will see that AXA’s coverage limits can be quite a bit more. AXA’s Silver plan includes $100,000 in emergency coverage. You can also get baggage loss coverage up to $1500

AXA is the best option if you need greater coverage. However, premiums can vary depending on many factors, including the age of the traveler, destination and trip cost. You will have to calculate your final cost to arrive at a decision.

Compare AXA Assistance USA and Allianz travel insurance

Allianz provides single-trip and multi-trip insurance for travelers who want to go abroad for an extended period of time. As with all insurance plans, there are varying levels of coverage.

OneTrip Prime is Allianz’s most popular single-trip plan. It includes: 

• Trip cancellation coverage upto $100,000
• Trip interruption insurance up to $150,000
• For as low as $50,000, get emergency medical coverage
• Protection for baggage damage, loss or theft up to $1,000 
• Coverage for travel delays up to $800

AXA’s Silver plan at the mid-tier will show you that AXA provides more coverage for baggage theft, loss, and damage than Allianz. If cost is important, however, you can get quotes using information from your personal trip to help you make an informed decision.

Compare AXA Assistance USA to credit card travel insurance

Have a great credit card that offers travel rewards, such as the Chase Sapphire Reserve or American Express Platinum The standard coverages you have, such as rental vehicle insurance, might be included in your card. It is a smart idea to check the coverage of your travel rewards card’s insurance before you purchase a separate travel insurance policy.

Your credit card coverage may be sufficient if you are driving to your destination without any non-refundable expenses. It might also work if your health insurance covers you abroad, and you aren’t worried about any medical expenses on the trip.

It is important to understand that credit card coverage can be secondary. This means that you will have to file a claims with any other applicable insurance first before you file a claim against your credit card company.

Methodology

AXA Assistance USA was evaluated by us as a comparison to other travel insurance plans offered by reliable companies. Our analysis included the following: different coverage options, claims limits and what is covered. We also looked at available add-ons and additional services for policyholders.

What’s important when choosing a policy isn’t just the price — it’s making sure you’re getting adequate coverage that meets your needs without breaking the bank. If you have to file a claim, it should be simple and painless.

AXA Assistance USA — frequently asked questions (FAQ)