AXA is a disgusting, dishonest company. If you can’t get insurance through a better provider, you are better off with NO INSURANCE. Take the money you would otherwise be pissing away in premiums to AXA and save it to put towards paying directly for damages you would not be able to collect from AXA. It appears that their business strategy is to make filing a claim so close to impossible that you will get exhausted with their never ending list of requirements and give up, which I did.

When my house in San José del Cabo was robbed in December 2023, the adjuster sent me a long list of documents he needed. A regular police report was not enough for them, so they required me to file a report with the Public Ministry which was the biggest nightmare ever. I had to go there 4 times (totaling over 10 hours between driving and waiting) to get the report. The Public Ministry is also set up to make it as exhausting as possible to get what you need…which I am guessing that AXA is aware of and uses to its benefit. It took me 2 months and about 20 hours of work to pull together everything on the list that the AXA adjuster sent me, all for a $3000 USD claim. 
After successfully sending the adjuster everything he asked me for, they came back to me and said that the Public Ministry report was not sufficient because it didn’t specify that it was a violent break-in and because the prices of all the items stolen were not listed in the report. Here is the line item taken from the adjustor’s list word for word: “Minutes drawn up before an Agent of the Public Ministry with Ministerial Faith describing the stolen items.” I don’t see any mention of violent entry or prices in that statement, which means they didn’t ask me for it until I had already done all the work to acquire the report from the Public Ministry. 

Stay away from this disgusting company. Now I understand why their reviews are horrendous. I should have read them before getting this policy. And if you are in Los Cabos, I’d also recommend avoiding the agent Rosario Espejel Castaneda, not only because she sells this horrible insurance product as good but because she completely failed to help me navigate this corrupt process, making the stupid decision to ask my property manager for things without copying me or making sure I also knew they were necessary.