Go with someone else. I took out the travel insurance with them for my 3 week holiday in far Indonesia. During the first week of the trip I had serious, but controlled health issues. I needed to come back home, but since it's costly to re-book a flight I wanted some guidance of how to do it, to be able to claim the money back. Also I needed some guidance on where and how to get medical help. I was in a really remote place and had no phone signal. But I had internet access, hence decided to send an email to AXA to an email address that was right next to the emergency number (travel.help@axa...). It took them 2 WEEKS TO RESPOND to my email! After coming back I sent a complain to AXA, and spoke with their representative on the phone, who said she would do the same in my situation, but it's a sales email address (on the policy schedule, next to the emergency number, starting travel.help@!!!!). She raised a complain that will take 40 days (!) for any response from them, and is unlikely to give me anything. It's worth mentioning that, the same day I sent my email to AXA, I contacted Emirate Airlines to get some guidance on re-booking the flight. I got onto a 24/7 live chat with them and within 30min I had all the information. That's what you call a customer service, and Emirates don't even deal with health/life issues like AXA.