Avoid My father in law was diagnosed with a serious condition 3 days prior to travelling for a short break which my wife and I had booked a couple of weeks prior. Unfortunately 1 day prior to travel we found out it was a terminal condition. Therefore we could not travel. Father in-law sadly dies the next week. Hotel chain would not refund (non-refundable rooms) and airline was being difficult. So decided to use our AA Travel insurance underwritten by AXA to claim back a small amount of money. AXA has been unhelpful asking us to share the same information twice and being quite brutal in their questioning. I have supplied all information requested including death certificate, hotel booking details and flight information. Their processes seem broken, they don't appear to want to support this small claim and they seem to use a mix of offshore / onshore contact centres which is not ideal when dealing with claims of a serious nature. I would be very concerned if we had an actual emergency and required support from this company. I will not be renewing with them.

Do not insure with AXA its a Con If you pay money to this company, it us worse than not being insured. Not only will they refuse to settle the most simple and straightforward claim, but they will waste your time. Their complaint team work to a 40 day response timescale. Cases are pushed into the long grass by spurious requests for unnecessary documentation and weeks /months go by without progress.

Stay clear Took insurance with insurefor which is a a group and needed to claim back for a holiday I had to cancel. Due to multiple pregnancy complications I’ve suffered in the past and loss of a baby, when I found out I was pregnant I didn’t want to be out of the country. I cancelled the holiday and provided a letter from the hospital doctor who detailed what had happened to me in the past and asked them to support this decision, they declined my claim because there was nothing wrong with the pregnancy at the time of cancelling. You will also find that the contact numbers on the policy documents don’t work and it’s incredibly hard just to try get through to someone. I also had to ring again to find out they’d declined me as id not heard anything from them. Laughable that they sent me an email asking to renew my policy with them. Stay clear of them, they will never pay out.

Quick payment We made a claim under cruise cover. The claim and payment was dealt with within 2 1/2 weeks, which I was very happy with. Everyone I spoke to in customer service was English and had good customer service.

Avoid. My airline damaged my baggage and left me without a laptop, my sole means of working. I called up AXA and advised them and was encouraged to make a claim. Had I known at the time that leaving my baggage in the hold would invalidate my policy, I'd have not bothered claiming, but the staff member didn't tell me this and we spent close to an hour logging the claim. I heard nothing for a week and called back yesterday to be told that my claim had been finalised and I'd get a decision. Bearing in mind I have not been able to work effectively without a laptop, things were dragging too slowly so I called again today. Imagine my surprise when I was told that my claim had been declined on the 23rd, the very day I logged it! Essentially, the staff were too cowardly to tell me over the phone that my claim had been declined (which they'd have seen on the screen!) and instead just passed the buck. Coincidentally I then got a 'declined' letter in my email ten minutes later...how convenient. I rang and asked why I was not told on the spot that the clause in my insurance would negate any claim, and was given some sort of spiel about how 'all evidence needs to be considered'. There was never any need for 'evidence'; my claim was pointless from the onset and the staff member knew this. Logging the claim, waiting for an update, chasing it and then being told 'no' has cost me time and money which I will be pursuing. Axa told me "we don't consider loss of earnings"; easy for them to say when their call staff are getting paid by the hour and are happy to spend their time dragging this unnecessary claim all the way through to its pointless and needless conclusion. If you find your policy is underwritten by Axa, AVOID it and CANCEL it. They do not care about anything other than their bottom line and you'll end up financially drained and furious.