NEVER use axa for travel insurance or anyone underwritten by them. My girlfriend fell ill with meningitis whilst in Hong Kong and needed 3 weeks of treatment. Axa have been absolutely appalling - finding any way of weaselling out of paying and making it confusing and difficult to challenge anything. They made a traumatic experience even more stressful for someone who was suffering from swelling around the brain - which can be made worse from stress. To add insult to injury they have acknowledged their bad treatment of us and offered £100 in compensation but still not dealt with the actual claim which is tens of thousands. We are now having to go through the financial ombudsman. Avoid at all costs.