Just went to make a claim with AXA for a cancelled trip and apart from having to wait 4 weeks just for a response after chasing them they have had us jumping through hoops for a small claim which i have ended up having to give up on, have been with them for over a decade with only 1 claim for hospitilization in Canada 3 years ago, again a painful experience claiming back medical expenses then too, as my annual insurance is part of a Lloyds bank package deal, I am now not just looking to move my insurance but am also looking to move my business to a different bank as the travel policy is not worth the paper it is written on, therefore beware if your insurance is backed by AXA!!