I am saddened to read all these reviews about ABTA and AXA..as of May-23 on trust pilot it has a growing talley of 90-93% of people rating them 1 star. Shocking! You'd think a well known insurance company such as ABTA who passes you onto AXA (also well known) would have their clients interest at heart. They are from the same company as their telephones numbers are exactly the same apart from the last digit. So you feel like you're dealing with a different company but you aren't. We paid nearly £100 for our travel policy. The morning of our flight, my backpack got stolen and we couldn't go on our trip. It ripped us apart, as I had saved for a year for something that was so expensive to do a surprise trip for my husbands 40th, and we'd also been having such bad luck recently that we couldn't wait to get away. It was planned meticulously to then be snatched away from us and the stress of having something stolen. I now have the stress hanging over me from this insurance company! Who don't give a damn about anything apart from avoiding to pay out for claims and create constant delay tactics. It's absolutely soul destroying. We sent everything in but they never acknowledge anything, then when you call they say they've only receive bits and pieces. Their internal communication is shocking, and no one ever gets back to you. The mental strain this company puts on people during a time of stress is absolutely disgusting! I am within the terms of being able to claim for our trip and stolen bag. There is literally no reason for them to find an excuse to not pay this out, they just pass you from one person to the next and get you to call back at different points just to get you off the phone.