AXA Assistance USA offers numerous travel insurance plans. Though their broad selection makes it fairly easy to find something that suits your budget constraints and meets your trip goals, the specific details and coverage differences may be confusing. Here’s what you can expect from the company’s Platinum Plan.
AXA Assistance USA Platinum Coverage
The Platinum Plan is the highest level of single-trip coverage offered by AXA Assistance USA. While the lower-level Silver and Gold options provide many similar perks, the Platinum option noticeably extends the coverage values it insures.
For instance, all three AXA Assistance USA plans provide trip cancellation protection up to 100% of your insured pre-paid and non-refundable trip costs and as much as 150% of your trip costs in trip interruption coverage. The Platinum Plan, however, increases the limits for trip delay coverage to $300 per day or $1,200 total, and it covers $600 in delayed baggage costs.
In the case of serious unexpected events, the Platinum Plan offers additional coverage that could definitely come in handy. Emergency accident medical and dental coverage is set at $150,000, and the plan provides $1 million dollars for emergency evacuation and transportation in case you need to be brought back home or taken to the nearest qualified hospital for care.
In non-medical emergencies, you can count on $50,000 worth of evacuation transportation. The coverage limits for accidental death, dismemberment and other negative outcomes are also higher.
Other Distinguishing Features
This is a medical deductible-free plan, and it doesn’t make you assume partial liability by instituting co-insurance requirements. While medical coverage isn’t available for those traveling in their home countries, the plan does offer an upgrade for pre-existing conditions coverage as long as you purchase your insurance within 14 days of paying your trip deposit and insure your full trip costs.
Travelers can also add additional coverage, such as rental car damage. Notably, AXA Assistance USA plans feature the company’s famed concierge, 24-hour assistance and other incidental services, which could potentially make your trip more enjoyable regardless whether you actually file a claim.
The coverages included in the AXA Assistance USA Platinum Plan are known for being high end, but it’s still important to compare different options and read the fine print. Be sure to compare and buy online to make the most informed decision.
