Google review
Very disappointing experience. AXA health insurance. I submitted a medical claim in 2024 and received no response for almost two years. I only received a reply after informing AXA that I would file a formal complaint. When they finally responded, they stated that the policy was not valid because it was purchased after arrival in the Schengen area — yet they refused to refund the premium. Since then, I have been sent in repeated email loops and asked multiple times for passport entry and exit stamps that do not exist for EU/visa-exempt travellers, even after providing my passport and explaining this clearly. Despite confirming that the contract could not take effect, AXA has avoided giving a clear answer on reimbursement and continues requesting irrelevant documents instead of resolving the issue. I am sharing this so other customers are aware of how long responses can take, how cases may be handled, and how difficult it can be to reach a clear resolution. The process has been extremely time-consuming and frustrating. I strongly recommend reading all terms very carefully and being prepared for significant delays if an issue arises.