It's an old post but might help some other people making up their minds.
We have used AXA since March 2016 for 1 year and we can not believe how they became so greedy, along with a very incompetent set of staff members either by phone or email.
They only pay about 20% of the claim outside the network and they increased their premium 2.5x from last year.
Inside network I Didn't have many bad experiences but it's always concerning... not again. Time to move to some other insurance company.
