AXA Travel Insurance UK
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Extremely Disappointed with Axa’s Claim Handling
I recently had the unfortunate experience of dealing with Axa, and I am extremely disappointed with how they handled my claim. After experiencing a medical issue while traveling, I submitted a claim for €100 for a doctor’s visit to prescribe antibiotics for tonsillitis after catching a cold. I fully expected the support promised when I purchased their policy. However, after submitting five years of medical history and waiting over three months, my claim was rejected based solely on past GP visits for issues that were completely unrelated to my current condition. Axa focused on medical records concerning the removal of a birthmark and stress-related palpitations, which had no connection to tonsillitis or catching a cold. None of these are pre-existing conditions, and they were not relevant to my claim. It’s clear that instead of considering the actual circumstances of my illness, Axa chose to focus on irrelevant historical details to avoid paying out a legitimate claim. I had already disclosed all relevant medical information when purchasing the insurance, and yet they chose to highlight irrelevant records. This feels like a deliberate attempt to avoid fulfilling their obligations. Despite providing actual documentation of pre-existing medical conditions, they still refused to honor their policy. Catching a cold in the past five years is not a pre-existing medical condition. Throughout the process, Axa made no effort to address the specifics of my claim. The customer service was frustratingly dismissive and unhelpful. It seems Axa is more focused on finding reasons to deny claims than supporting customers when they need it most. I strongly advise anyone considering this company to think twice. If you’re looking for reliable travel insurance that will actually cover you when something goes wrong, Axa is not the company to trust.