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AXA is either totally incompetent or they are scammers. Initially, they were quick to confirm that the event would be covered. However, upon receiving medical documentation, they started making excuses. After confronting them about it and translating some of the documents (since they apparently cannot read) they stopped replying altogether. It's been 2 weeks since the last email from them and they still haven't given any clear reply regarding why they are trying to reject the claim. Avoid them at all costs unless you want to spend a month on calls and writing emails without any response. In unlikely case they want to contact me: event # is 7123585018.

There are systems used by this company to make things difficult. Here are some hints below: * The wording in their contract is a sales pitch and on purpose to make you think you have the coverage you don’t. Be very careful- just avoid. * If you make a claim they will purposefully make delays in response times, lose paperwork and tell you to send it again repeatedly. This is a very carefully researched system to have you give up on your claim and walk away. Most do, and that’s a success story for them without having to offer the services promised. Unfortunately, it works well. * You can’t find any information to get ahold of anyone directly. It takes months to get a phone number for an adjuster alone and that’s if you’re lucky. Emails only and that will be slow. * 800 number will get you on a line that is trained to waste your time and not accomplish anything. The long wait times, repeated requests for your info on the phone, and no transfer to anyone useful is a very strong setup to make you give up. We kept on regardless of this. After many months and repeated calls (and emails) we were denied. I got the insurance adjuster (that took a lot of work) which made that call and went through the contract very thoroughly. The wording in the contract can go any way they wish. Again, very carefully set up system in the hopes you will give up. These systems are creating a lot of mistrust and I will personally never purchase travel insurance again, ever.

This company is scam (AXA insurance in Europe) . They charged me on Kiwi website for Isnurance . Then I offered all the proof of cancellation due to Covid , submitted the proof . They wrote me they sent funds to my bank on March 8 th but I never received them ( by the way only 50% of flights -10% processing fees without any proof of explanation why not 100%). So I emailed them 2 weeks later, no response. Then a month I contacted them again and they said funds were released and did not come back to them. I asked for proof , such as wire number , no response . They are fraud. Alena Mahas New York

Please DONOT buy insurance from this company especially travel insurance. They never cover anything when it is time to claim even if the case is emergency. They do not follow what is written on the policy. You will only waste your money and time. They will give a lot of reasons so they can reject your claim. Be careful, this is fraud.

Horrible Experience. Will never purchase again. FRUSTRATING PROCESS. They will do everything and apply every little detail to get out of paying the claim. If you purchase, you better follow the small print to the letter. They draw out the claim process for months, asking for the same documentation over and over, hoping you will go away. Spoke with 4 different representatives, told the same story, submitted the same documents over a 3-month period. I had to follow up each time and they kept asking for the same information they already had. I was honest about everything. I got food poisoning and therefore, was vomiting as well as…. Well, you know for 24 hours. I could barely get to the bathroom fast enough, let alone walk through an airport and get on a plane. I rescheduled my flight for the next day and then that flight was cancelled and rescheduled for 2 days later. I was in a foreign country. Understandable that I just wanted to get home. I booked another flight. My claim was denied because I did not go see a Doctor. I could not leave my hotel room let alone get to a doctor in a foreign country. I explained this over and over. I guess I did not have the thought that I better drag myself to a Doctor so that my claim will be approved. My ask was very little, 1 night hotel (around $200) and the difference in the cost of the flight.