They are not of help at all. If you have a problem they just find a way to make it sound like it was your fault so they can run from their obligation from you. I missed my flight for a serious reason and I already checked in for that flight. When I missed my flight, I have to book a hotel at 12midnight and spent a lot of money on that including my food. But all they tell me is that missed flight insurance is just for accidents or illness. So they want me to be on accident first and be ill first? But if I had those accidents and illnesses, they will require A LOT of requirements and proof before they refund or give help. There are more serious reasons aside from that so the fact that we missed our flight and paid for this fuc**** insurance, then they should at least give a help. But zero help. Zero concern. I should give a zero rating for this. I will not recommend this insurance to my family and friends anymore So disappointed. Instead, I will recommend this as bad insurance to go. Karma will go your way AXA and your company will be bankrupted because you are theft to the people! Remember this.