Do not use AXA!!!!! I have emailed serval times to get my delayed baggage claim sorted out. I made the claim over a month ago and keep receiving an automated message saying they are too busy to assist me. I do not understand why I purchased insurance with them if they do not help when I need to make an insurance claim. I can not reach anyone by phone, EVER! However, it was super easy to get a hold of someone when I wanted to purchase the plan. I am so disappointed in this company. I did research before purchasing travel insurance, and they had good reviews. I guess you can not trust corporations to do their jobs anymore.