This travel insurance is the worst thing EVER. You would be better off chopping your arm off in a travel emergency than using AXA. They A) give you misleading and incorrect advice from the outset. B) bounce you around for months C) do everything humanly possible to avoid paying you out D) conflicting information depending on who you speak to They are the definition of corporate greed and companies trying to screw hard working people so they can make profit. The worst company ever, putting us into a difficult financial position thanks to their slack behaviour.