The way in which I was dealt with was disgraceful. I had to cancel several flight/Eurostar tickets because of my husband's serious illness so claimed on my travel insurance. The Claims officer interrogated me over the illness in an extremely aggressive manner and told me that both medical certificates were 'inadequate'. When I complained to the CEO, I was told there was no case to answer - so there won't be any improvement for the future. Although the claim resulted from the same event, Axa charged the excess of 125 pounds four times (for each ticket). Having completed their form and provided many supporting docs, Axa finally sent me a very long form to complete more than 5 weeks after I submitted my claim. Their one aim throughout was to try to invalidate my claim. I would have given them no stars but this option was unavoidable - learn by my experience and avoid.