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AXA Travel Insurance Review: Is it Worth The Cost?

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Table of Contents

What is AXA?

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Lowest-cost plan includes some medical coverage.
Pre-existing conditions waiver add-on available for higher-cost plans.
No add ons are available for Silver-level policyholders.
CFAR upgrade is only available for highest-cost plan.

In the era of staff shortages and extreme weather, your trip may not go exactly to plan. When that happens, travel insurance can be a big help. Although an insurance policy can’t prevent a delay or cancellation from happening, it can help relieve the financial burden if something unpredictable does occur on your trip.

But how do you know which insurance provider to go with? Here's a look at AXA travel insurance to help you determine if one of its plans is right for you.

AXA is a French insurance company that does business in over 200 countries. It offers many different types of insurance, including policies for travelers. These include coverage for baggage loss , trip cancellation and interruption, emergency evacuation and emergency medical costs. Cancel for any reason coverage is also offered.

AXA Assistance USA is part of the AXA Group.

» Learn more: How much is travel insurance?

AXA Assistance USA offers travelers three insurance plans: Silver, Gold and Platinum. The plans are underwritten by Nationwide Mutual Insurance Company and their affiliates in Columbus, Ohio. Here's the coverage you can expect from each policy.

Silver: This is the least expensive plan that offers 100% trip cancellation and trip interruption coverage, $25,000 in emergency accident and sickness medical coverage and $100,000 in emergency evacuation and repatriation coverage.

Gold: The mid-range Gold policy comes with 100% trip cancellation and 150% trip interruption coverage, $100,000 in emergency accident and sickness medical coverage and $500,000 in emergency evacuation and repatriation coverage.

Platinum: The AXA Platinum travel insurance plan includes 100% trip cancellation and 150% trip interruption coverage, $250,000 in emergency accident and sickness medical coverage and $1,000,000 in emergency evacuation and repatriation coverage.

If you want to add Cancel For Any Reason coverage, you’ll need to select the Platinum plan and purchase a policy within 14 days of paying the initial trip deposit. It’ll cover 75% of the prepaid nonrefundable expenses for your travel.

If you’d like coverage for pre-existing medical conditions , a waiver is available on the Gold and Platinum plans as long as you buy coverage within 14 days of your first trip payment.

» Learn more: How does travel insurance work?

Let’s compare AXA’s plans, the costs and coverage for a 19-day trip to Indonesia that costs $1,500 for a 36-year-old traveler who lives in Utah.

Coverage and limits for the Silver-level plan include:

Trip delay: $100 per day, with a $500 maximum.

Trip cancellation: 100% of the trip cost.

Trip interruption: 100% of the trip cost.

Baggage delay: $200.

Lost baggage: $750, up to $150 per article.

Missed connection: $500.

Emergency evacuation: $100,000.

Accidental death and dismemberment: $10,000 ($25,000 if on a common carrier).

Emergency accident and medical expense: $25,000.

The plan cost for our sample trip is $55.

For $79, the Gold-level tier offers the following coverage and limits:

Trip delay: $200 per day, with a $1,000 maximum.

Trip interruption: 150% of the trip cost.

Baggage delay: $300.

Lost baggage: $1,500, up to $250 per article.

Missed connection: $1,000.

Emergency evacuation: $500,000.

Accidental death and dismemberment: $25,000 ($50,000 if on a common carrier).

Emergency accident and medical expense: $100,000.

Collision damage waiver: $35,000.

Platinum is AXA’s highest tier level. This plan includes:

Trip delay: $300 per day, with a $1,250 maximum.

Baggage delay: $600.

Lost baggage: $3,000, up to $500 per article.

Missed connection: $1,500.

Emergency evacuation: $1,000,000.

Accidental death and dismemberment: $50,000 ($100,000 if on a common carrier).

Emergency accident and medical expense: $250,000.

Collision damage waiver: $50,000.

Lost golf rounds: $500.

Lost skier days: $25 per day.

Pet boarding fees: $25 per day (up to five days).

This level of coverage costs $95.

» Learn more: The best credit cards for travel insurance benefits

To get an AXA travel insurance quote, go to AXATravelInsurance.com and start by inputting your information in the quote box. Enter your state of residence, destination country, trip dates, date of first trip deposit, total trip cost, the number of travelers and their ages.

Once you’ve filled out the form, click on the “Get a quote now” button.

You’ll be presented with three quotes, one for each plan level. Make sure to click on the “See more benefits” link to get more information on each plan’s coverage limits. The plans with the highest coverage limits will be the most expensive.

If you need a pre-existing conditions waiver, select the Gold or Platinum plan. You’ll also have to purchase the plan within 14 days of making your initial trip deposit to be eligible.

The Gold and Platinum levels are also the two plans that offer Schengen zone coverage and a collision damage waiver . The Platinum plan is the only one that offers a Cancel For Any Reason add-on, so keep that in mind if you need more protection.

Overall, if you’re looking for emergency medical and emergency evacuation coverage specifically, the limits are good on all the plans, including the least expensive one.

To compare plans from multiple insurance providers at once, we recommend checking out Squaremouth, a travel insurance comparison site and a NerdWallet partner. The website helps you pick the right plan by displaying multiple quotes from many insurance providers, including AXA, in one spot.

AXA began in the early 19th century as a small insurance company specializing in property and casualty insurance.

Since then, the company has evolved, changing names and acquiring other insurance brands, until it became AXA in the 1980s. It is now one of the largest insurance companies in the world. In other words, yes, AXA is a legitimate travel insurance provider.

» Learn more: The best travel insurance companies

Every plan has different exclusions, so it's important to look at your coverage summary. Generally, pre-existing conditions without a previously purchased waiver are not covered.

Other limitations include:

Intentionally self-inflicted injuries.

Participation in bodily contact or extreme sports.

Traveling for the purpose of securing medial treatment.

Accidental injury or sickness when traveling against the advice of a physician.

Non-emergency treatment or surgery.

AXA handles more than 14 million cases each year, and every plan includes access to their 24/7 assistance hotline. The company is well established and has three plans for travelers to choose from.

AXA travel insurance covers several benefits including but not limited to 100% trip cancellation and trip interruption, medical emergencies, emergency evacuations, baggage delay or lost baggage, and accidental death and dismemberment. The Platinum plan also lets you add Cancel For Any Reason coverage.

AXA's least expensive plan, Silver, and its mid-range Gold policy do not have the option to add-on Cancel For Any Reason coverage. For travelers who opt to purchase the Platinum insurance plan, you can add Cancel For Any Reason coverage a la carte within 14 days of paying the initial trip deposit.

In the event that you need to make a claim, you can upload supporting documents online. If the claim is accepted, you will receive reimbursement within 30 days.

It's said that travel is the only thing you buy that makes you richer. But you don’t want to become poorer if something goes wrong before or during a trip. We don’t know what the universe has in store for us, so buying a travel insurance policy is one way we can protect our investment.

AXA offers budget, mid-range and premium policies that are easy to understand, provide adequate coverage and don’t cost a fortune.

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AXA Travel Insurance Review — Is it Worth It?

Jessica Merritt

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AXA Travel Insurance Review — Is it Worth It?

Why get travel insurance, travel insurance and covid-19, why purchase travel insurance from axa, types of policies available with axa, how to get a quote, how axa compares — summary, how to file a claim with axa travel insurance, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Whether you’re traveling the world or crossing state lines, travel insurance such as the policies offered by AXA Travel Insurance can offer a safety net in case you have to cancel or interrupt your trip or need support along the way for medical emergencies, lost bags, or missed connections.

For more than 60 years, AXA Travel Insurance has provided peace of mind and financial stability to travelers. With solid ratings and underwriting by Nationwide Mutual Insurance, travel insurance plans sold by AXA are backed by an A.M. Best Excellent financial strength rating. AXA offers travel insurance with trip interruption and cancellation coverage, medical emergency and evacuation benefits, lost or delayed baggage, and more.

Let’s examine AXA’s travel insurance coverage options, benefits, and service and compare it to alternatives such as credit card travel coverage and other travel insurance providers.

Travel insurance can protect what you’ve invested in an upcoming trip. When the unexpected occurs, such as a trip cancellation or medical need , travel insurance can offer the benefits you need to cover it.

You might choose travel insurance for these reasons:

Your trip has deposits or payments that you can’t get refunded if you need to cancel your trip.
The health insurance you use at home doesn’t work at your destination.
You’re planning activities that aren’t covered by your health insurance.
Medical care is subpar at your destination and you may need to be evacuated to another location with adequate medical facilities.
You’re concerned about the possibility of lost bags, delays, or missed connections, especially if you have multiple flights or transfers.

Travel insurance isn’t necessary for every trip, such as if you’re traveling domestically where your health insurance works and you don’t have major nonrefundable expenses. But travel insurance is worth it if you’ve got a lot of nonrefundable expenses invested in your trip or you’ll need medical coverage at your destination.

COVID-19 can interrupt your travel plans, whether you get sick and have to cancel a trip, need to quarantine or get medical treatment while traveling, or plan to visit a destination with high COVID-19 numbers. While some travel insurance companies exclude COVID-19 from insurance coverage , AXA offers COVID-19 coverage as part of its travel protection plans , including trip cancellation and trip interruption and emergency medical and evacuation coverage.

Any travel insurance company you purchase a policy from should be reputable, reliable, and stable. After all, you’re relying on the company to be there for you when you need it most. It pays to verify reviews and ratings — AXA offers good reassurance in this area.

With 64 years in business, AXA has an A- Better Business Bureau rating . On the travel insurance website Squaremouth , AXA has an overall 4.22/5 rating , with 0.1% negative reviews among more than 69,000 policies sold . AXA’s travel insurance plans are backed by Nationwide Mutual Insurance, which has an A (Excellent) financial strength rating from financial rating company A.M. Best. With 6 decades in business and solid ratings , AXA is a travel insurance company you can trust.

AXA offers travel insurance with medical and emergency evacuation benefits, trip cancellation and interruption, baggage loss, and Cancel for Any Reason (CFAR) options. Let’s look at the details of AXA travel insurance policies.

AXA offers 3 levels of travel insurance : Silver, Gold, and Platinum . Each level offers different limits, but all of AXA’s policies have 100% trip cancellation coverage, emergency medical coverage and medical evacuation, baggage delay and loss, and missed connection coverage.

Let’s compare what you get with each policy:

With plans as low as $16 and minimal coverage, AXA recommends the Silver plan for domestic travel. You can cover 100% of your trip cost for trip cancellation and interruption coverage. If your travel is delayed, you can get up to $100 per day for expenses, up to $500 total, and $200 for delayed baggage.

There’s also $500 in missed connection coverage. The $25,000 in emergency medical expense coverage isn’t much, but it might be adequate for domestic travel if you’re using your primary health insurance first.

Gold plans start at $36 but add more coverage and are appropriate for cruises or Schengen travel . Like the Silver plan, the Gold plan offers up to 100% trip cancellation coverage but bumps trip interruption to 150% of your trip cost. Limits for all coverages are higher, with $200 per day and $1,000 maximum in trip delay coverage and $1,000 for missed connections. Baggage delays offer up to $300, and you can get up to $1,500 for lost baggage and personal effects.

The health coverage is also much higher at $100,000, and it adds a $50,000 non-medical emergency evacuation option on top of the $500,000 medical emergency evacuation benefit. This plan also offers an optional $35,000 collision damage waiver.

The Platinum plan , starting at $52, steps up coverage and offers additional options. You’ll get 100% trip cost coverage for trip cancellation and 150% for trip interruption. Trip delay coverage offers up to $300 per day and a $1,250 maximum, plus $600 for baggage delays and $3,000 for lost baggage and personal effects.

Emergency medical treatment is also higher at $250,000, and you’re covered for $1 million in emergency medical evacuation — $100,000 for non-medical evacuation.

The Platinum plan also offers additional coverage for sports, with $25 per day for lost skier days, $500 for lost golf rounds, and $1,000 for sports equipment rental. It also offers optional coverage for up to 75% of trip cost with Cancel for Any Reason coverage and a $50,000 collision damage waiver.

You can get a quote directly from AXA by visiting the AXA Travel Insurance website . The quote form is the first thing you’ll see on the homepage.

To start your quote, you’ll fill out the quote form, including your state of residence, destination country, travel dates, first deposit date, total trip cost, number of travelers (up to 10), and the age of travelers.

Once you fill out the form, you’ll be presented with plan options. For a 60-year-old visiting Japan and spending $2,500, we were offered a Silver ($155), Gold ($183), or Platinum ($218) plan .

If you select a Platinum plan, you will be able to add CFAR optional coverage for up to 75% of your trip cost.

With your plan and options selected, the next and final step to secure coverage is entering your traveler information including your name and contact information, then making your payment for the policy.

AXA is a good option for travel insurance, but it’s not your only option. Let’s see how AXA compares to the coverage you can get from popular travel credit cards and travel insurance competitors .

AXA vs. Credit Card Travel Insurance

Many travel credit cards offer travel insurance as a complimentary benefit, whether it’s car rental collision waivers , trip cancellation coverage , or emergency medical and evacuation benefits. This coverage can be helpful if you’re using your card to pay for your travel expenses, but it’s often not as comprehensive as the coverage you can get from a travel insurance policy like what AXA offers .

Let’s compare AXA’s best travel insurance policy against The Platinum Card ® from American Express and the Chase Sapphire Reserve ® , which both offer some of the best travel protections available with credit card benefits.

Unless you’re taking a trip with expenses higher than $10,000, the trip cancellation coverage should be about the same whether you’re using an Amex Platinum card, Chase Sapphire Reserve card, or the AXA Platinum plan. However, the AXA Platinum plan comes out ahead with 150% of your trip cost for trip interruption.

We see a major difference in coverage for emergency medical treatment and evacuation. The Amex Platinum card doesn’t offer emergency medical coverage, but you can arrange an emergency medical evacuation using the Premium Global Assist Hotline. The Chase Sapphire Reserve card offers up to $2,500 in emergency medical coverage and $100,000 for emergency evacuation. Neither of these offerings compares to the $250,000 in emergency medical coverage and $1 million in emergency medical evacuation coverage you can get from AXA Platinum.

Credit card travel insurance coverage is complimentary if you already have the card, but it is lacking in some areas. It’s a good idea to use your card’s travel insurance as a backup for trip cancellation, interruption, travel delays, or lost baggage, but use the AXA Platinum plan for its superior emergency medical and evacuation coverage.

AXA vs. Other Travel Insurance Companies

It’s always a good idea to compare travel insurance quotes across multiple providers so you can find the best price and coverage. We used Squaremouth , a travel insurance comparison website, to see how AXA’s policies compare to those of other companies.

As with the initial price quotes we pulled from AXA’s website, our sample trip on Squaremouth had:

Traveling to Japan a month from now
Trip cost: $2,500
Initial trip deposit paid within the last 24 hours
State of residence: Texas

We limited results to policies that offer at least as much coverage as the AXA Platinum policy does on major benefits:

COVID-19 coverage
Minimum $250,000 emergency medical benefit
Minimum $1 million emergency medical benefit
100% trip cancellation
150% trip interruption

Each policy offered nearly identical coverage for these major benefits, and Tin Leg ‘s Silver plan had the lowest cost at $164.35, followed closely by $165.84 from HTH Worldwide ‘s TripProtector Classic plan.

If you’re mainly concerned with full coverage for trip cancellation and interruption along with $250,000 in emergency medical and $1 million for emergency medical evacuation, you can save if you go with Tin Leg .

However, the higher-priced policies offer additional coverage and options. For example, AXA Platinum offers the option to add Cancel for Any Reason coverage and includes sports equipment rentals and missed ski days or golf rounds. Tin Leg doesn’t have missed connection coverage, but Seven Corners Trip Protection Choice and AXA Platinum offer up to $1,500 for missed connections on cruises or tours.

All of the policies we quoted except for Tin Leg Silver offer employment layoff as a covered cancellation reason, and AXA Platinum allows you to cancel your trip for work reasons, though none of the other policies do. AXA Platinum also offers $100,000 in non-medical evacuation , which Tin Leg Silver and HTH Worldwide TripProtector Classic policies do not, and is much higher than the $20,000 benefit offered by the Seven Corners Trip Protection Choice policy.

AXA Platinum has a higher cost than competitors but offers more robust coverage. If you’re mainly concerned with major coverage for trip cancellation and interruption, emergency medical, and emergency evacuation, other travel insurance companies may offer a better quote. But if you want additional coverage and options such as non-medical evacuation and expanded cancellation reasons, check out the details on what AXA Platinum offers.

You can file a claim with AXA in a few ways:

Using the claim administrator portal

If you’d like to file your claim online, you can visit the portal for Co-Ordinated Benefit Plans and enter your policy number and last name to get started.

AXA travel insurance claims administrator portal

Alternatively, you can call AXA toll-free at 888-957-5015 or collect at 727-450-8794 .

If you’d like to submit your claim via email or mail, you can download claim forms on the AXA website.

Once you download the claim form, you’ll get a list of documents required for submitting your travel insurance claim, along with mail or email info. For example, on a trip interruption claim form, AXA requires you to send in:

Completed claim form
Policy verification
Booking confirmation, such as a ticket or proof of purchase
Your original unused, nonrefundable tickets
Your new ticket with confirmation of early return
A cancellation statement from travel suppliers
A medical report or physician statement if you interrupted the trip due to medical necessity
Death certificate, if applicable
Documentation of circumstances that led to trip interruption
Documentation of reimbursement request expenses, such as receipts or credit card statements

You can email the form and other required documents to [email protected] or mail to:

AXA Assistance USA On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies P.O. Box 26222 Tampa, FL 33623

AXA Travel Insurance is a reliable option with more than 6 decades of experience and solid ratings. There are 3 levels of coverage to choose from — Silver, Gold, and Platinum — that offer varying levels of coverage and options. AXA Travel Insurance isn’t the cheapest option, but it offers robust coverage options and reputable service, so it can be a good choice if you’re looking for enhanced travel protection.

For the premium global assist hotline benefit of The Platinum Card ® from American Express, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

For the car rental loss and damage insurance benefit of The Platinum Card ® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the baggage insurance plan benefit of The Platinum Card ® from American Express, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the trip delay insurance benefit of The Platinum Card ® from American Express, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip cancellation and interruption insurance benefit of The Platinum Card ® from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Does the axa silver travel insurance plan provide coverage for a safari.

Yes, AXA’s travel insurance policies offer coverage for safaris, including emergency medical expenses. Safaris are under the sports and activities covered for emergency medical and repatriation costs and personal accidents.

Is AXA travel insurance worth it?

AXA travel insurance can be worth it if you need coverage for significant nonrefundable expenses or your health coverage doesn’t extend to your destination. Competitors may offer lower cost policies for similar major coverage, but AXA may have greater policy options, so it’s a good idea to compare your options.

Is AXA travel insurance good for a Schengen visa?

AXA recommends its Gold plan or higher for Schengen travel.

Is AXA an international insurance?

Yes, you can use AXA for international travel , with coverage for countries in Europe, Asia and Pacific islands, the U.S. and Canada, Africa and the Middle East, Latin America, and the Caribbean.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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AXA Assistance USA

Generous coverage for medical expenses and medical evacuation

Cancel for any reason (CFAR) coverage available with Platinum plan

Gold and Platinum plans can cover preexisting medical conditions

Silver plan doesn't offer any optional coverages

Unimpressive reviews from past customers

What AXA Assistance USA Is Known For

AXA Assistance USA offers three main travel insurance options that help consumers protect against various mishaps that can occur during trips within the United States and abroad. For example, the company's Silver, Gold and Platinum plans offer coverage for trip cancellations and interruptions, lost and delayed baggage, travel delays, emergency medical expenses, and more. While the basic Silver plan offers essential coverage at a more affordable price point, the Gold and Platinum plans from this provider offer more benefits and higher coverage limits overall.

Standout benefits of AXA Assistance's premium travel insurance plans include a selection of optional coverages consumers can purchase for more protection. While the Silver plan doesn't have any optional benefits, consumers who choose the Gold plan can tailor their coverage with optional rental car coverage. With the Platinum plan, travelers can add on coverage for lost ski days, lost golf rounds, sports equipment rentals and car rentals.

Platinum coverage is also the only plan from AXA Assistance that lets travelers purchase cancel for any reason (CFAR) coverage . This type of insurance reimburses travelers with 75% of their prepaid trip costs for airfare, hotels, tours and more, and it can apply when travelers cancel their trip for any reason at all.

Also note that both the Gold and Platinum plans from AXA Assistance USA provide coverage for preexisting medical conditions that existed at least 60 days before purchasing a policy. However, travelers do need to pay for their insurance coverage within 14 days of making an initial trip deposit for preexisting medical coverage to apply.

At the end of the day, there's plenty to like when it comes to the travel insurance options from this provider, whether you want essential benefits only or a premium plan with all the bells and whistles. Not only does AXA Assistance offer several plans that can suit different types of trips, but its optional coverage options make it even easier to tailor a travel insurance policy to your needs.

AXA Assistance USA for Individual Trips

Like other travel insurance providers, AXA Assistance offers several tiers of coverage to choose from. This makes it easier for travelers to select the exact amount of travel insurance protection they need with the policy limits that make sense for their trip.

The chart below provides an overview of available plans, what they include and policy limits that apply.

Available coverage from AXA Assistance USA is offered in three tiers. Where the Silver plan offers limited benefits and lower policy limits overall, the Platinum plan offers more included perks, more optional coverage options and higher policy limits overall. The Gold falls somewhere in between.

Here's an overview of the type of traveler each plan could work best for:

Silver: While the Silver plan is the lowest tier of coverage available from AXA Assistance USA, it still offers generous benefits for medical expenses and emergency evacuation coverage. Other included perks can also protect your trip, including coverage for lost or delayed bags, missed connections, travel delays, and more. Overall, this plan is geared to travelers who want ample coverage for medical emergencies but want to pay lower premiums for their plan.
Gold: The Gold plan from AXA Assistance USA offers higher limits than the Silver plan, especially when it comes to medical expenses and emergency medical evacuation. This makes it a solid option for people who are mostly worried about having coverage that can pay for emergency medical bills or emergency medical evacuation in the event of an injury or illness. Of course, additional benefits with this plan also come with higher policy limits as well.
Platinum: The Platinum plan from this provider is for travelers who want the highest policy limits for medical emergencies, medical evacuation, travel delays, lost or delayed baggage, and more. This plan also has the most optional coverages that let you tailor your travel protection to your unique needs, and it's the only one from this provider that lets you purchase CFAR coverage. This additional benefit lets you cancel your trip for any reason you want and get 75% of your prepaid travel expenses back.

AXA Assistance USA Costs

The costs for a travel insurance plan can vary widely based on the company you purchase from, the ages of travelers in your group, your destination, the length of your trip and other factors. The tier of coverage you select can also impact your travel insurance premiums, especially if you opt for a premium plan with more benefits and higher levels of coverage.

We applied for travel insurance quotes for a range of example trips to help you find out approximately what you would pay with AXA Assistance USA. Note that premiums shared below do not include any optional coverages.

Reading travel insurance reviews can give you a glimpse into the experiences of past users when it comes to filing claims and receiving reimbursement. Unfortunately, this is one area where AXA Assistance USA appears to have some issues.

While the company has an A- rating with the Better Business Bureau (BBB), it is not accredited. AXA Assistance also has an average star rating of 1.47 out of 5 stars across user reviews on the BBB, and it has 35 closed customer complaints on the platform in the last three years. On other review platforms, it has a higher star rating.

The reviews below from various platforms provide a mix of positive experiences along with some of the most common customer complaints found with the company.

AXA Assistance USA Gold

Due to a personal tragedy at home my wife and I interrupted a cruise and returned home at the next port. The claim form and related documentation requested by AXA Assistance USA was emailed to their claims office on December 9th. On December 14th, I received an email from the claims adjuster confirming approval of the claim and that the payment check would be received in 10 to 15 business days. Based on my experience I would highly recommend this company. – John R. via InsureMyTrip

Policy: Gold

Absolutely terrible customer service experience. I filed my claim in January, after my flights were canceled and delayed. I did not even hear back until March! The message—delivered two months later—was garbled and incoherent. The amount of reimbursement was left blank, and the larger portion of the claim was denied, without a clear explanation of why. This is NOT what I expected when I paid over $2,000 for a policy! To date, no human spoke to me or emailed me. My calls haven't been returned, and no adequate explanation had been given. The denial "letter" simply quoted from the exclusions language of the policy but offered NO explanations as to why the exclusions purportedly applied. Extremely disappointed in the "services" offered. – Nicole via Squaremouth

Customer Review

They paid very slowly, but they eventually did pay. I took a trip to ***** in June 2022. While there, I got COVID just before I was to return. My return home was delayed by 9 days, and I had to buy a new return ticket home to *******. They do not respond to emails (other than the standard automatic "We received your correspondence, blah blah") but no personal communication until 8 to 10 weeks later. Don't bother calling because you will be put on hold for a very long time, then be disconnected. So, a grade of "F" for communication. Eventually I was contacted, however, and the claims agent asked for more information, including pdf copies of my receipts. I sent them the documentation and receipts, and to my shock, three weeks later, a check arrived in the mail with the full amount of reimbursement I had requested. I expected them to quibble over the receipts, but they didn't. Can I recommend them? No. Will I insure with them in the future? Certainly not. But to their credit they did reimburse me, and for the full amount I asked for. – William S. via Better Business Bureau

I had to cancel my trip. I ripped up my knee. I just got confirmation from AXA that I would receive a check for the full amount of the cost of the trip. I am looking forward to receiving my check. It was quite timely on their part. I would definitely recommend them and use them for my next trip. – Carl K. via InsureMyTrip

I am appalled by the poor service I have received thus far from AXA Assistance USA. The length of time to process a claim and respond to inquiries is absurd. – Sally via Squaremouth

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been writing about travel insurance for more than 10 years. Johnson has researched and purchased travel insurance plans for her own trips to destinations around the world, and she currently uses an annual travel insurance plan from Allianz for her own family. Johnson has two teenage girls and co-owns the travel agency Travel Blue Book . She works alongside her husband, Greg – who sells travel insurance for trips all over the world – in their family media business.

AXA Assistance USA travel insurance review 2024

Jennifer Simonson

Mandy Sleight

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Heidi Gollub

Published 12:39 p.m. UTC April 16, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

AXA Assistance USA

Top-scoring plan

Covers covid, medical & evacuation limits per person, what you should know.

If you travel with expensive items, AXA Assistance USA’s Platinum travel insurance plan offers $3,000 in baggage and personal effects coverage. Learn more in our AXA travel insurance review.

Primary coverage for emergency medical benefits.
$1 million coverage for emergency evacuation.
Excellent lost baggage coverage of $3,000 per person.
Best-in-class 75% “cancel for any reason” upgrade available.
Covers lost ski and golf days due to bad weather.
12-hour wait before travel or baggage delay coverage applies.
No “interruption for any reason” coverage.
Missed connection coverage applies only to cruises and tours.

Why trust our travel insurance experts

Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

1,855 coverage details evaluated.
567 rates reviewed.
5 levels of fact-checking.

AXA travel insurance plans

AXA Assistance USA offers travelers three comprehensive plans: Silver, Gold and Platinum. Each plan includes coverage for trip cancellation, interruption, emergency medical expense, emergency evacuation and baggage delay. Here’s a sample of the coverage you can expect from each policy.

Silver

AXA’s budget-friendly Silver plan includes the following benefits.

Trip interruption insurance : 100% of your trip cost.
Missed connections: $500.
Travel medical insurance : $25,000 per person.
Emergency medical evacuation : $100,000 per person.
Accidental death and dismemberment: $10,000 per person.
Baggage and personal effects: $150 per article, up to $750.

The Gold plan covers everything the Silver plan covers but increases the coverage limits.

Trip interruption insurance: 150% of your trip cost.
Travel medical insurance: $100,000 per person.
Emergency medical evacuation: $500,000.

Unlike the Silver plan, the Gold plan also includes coverage for non-medical emergency evacuation and the option to purchase a collision damage waiver for rental cars.

Platinum

A benefit of AXA’s Platinum plan is that it covers sports equipment. If the airline loses your golf clubs or skis, the Platinum plan pays $25 per day for lost ski days, $500 for lost golf rounds and $1,000 for sports rental.

AXA’s Platinum plan also increases the optional collision damage waiver from $35,000 to $50,000.

And this is the only AXA travel insurance plan that gives you the option to upgrade to “cancel for any reason” (CFAR) coverage . This coverage reimburses up to 75% of your prepaid and nonrefundable trip expenses, as long as you cancel your trip at least 48 hours prior to departure.

Compare AXA travel insurance plans

Additional coverage options, “cancel-for-any-reason” (cfar) coverage.

Platinum plan policyholders have the option to purchase upgraded “cancel-for-any-reason” (CFAR) coverage, which allows you to cancel for any reason, not just those listed in your policy. CFAR coverage must be purchased within 14 days of paying the initial trip deposit. It covers up to 75% of your prepaid nonrefundable trip expenses provided you cancel your trip at least 48 hours prior to departure.

Collision damage waiver

Gold and Premium plans come with the option to purchase a collision damage waiver to cover rental car damage, collision or loss anywhere in the world. The Gold plan includes up to $35,000 in coverage while the Platinum plan offers up to $50,000.

What isn't covered by AXA travel insurance?

Like all travel insurance companies, AXA Assistance USA does not cover every incident that occurs while traveling. It’s a good idea to read your policy closely to learn what is and what is not covered.

Here are some examples of exclusions to AXA Assistance USA’s Platinum plan:

Event cancellations.
Travel to Afghanistan, Belarus, Burundi, Central African Republic, Chad, Congo, Crimea/Sevastopol, Eritrea, Guinea, Iran, Iraq, Lebanon, Liberia, Libya, Mali, Niger, North Korea, Pakistan, Russia, Sierra Leone, Somalia, South Sudan, Sudan, Syria, Ukraine, Venezuela and Yemen.
War risks, civil commotion or terrorism.
Dental treatment (except as a result of accidental injury).
Suicide or attempted suicide.

AXA Assistance travel insurance rates

The price of AXA travel insurance will vary based on factors such as the plan you choose, your age, the length of the trip and your destination. In general, the average cost of travel insurance is 5% to 6% of your total trip cost.

Here are some sample quotes to give you an idea of how much you might pay for AXA’s Platinum plan.

Compare the best travel insurance companies of 2024

Via TravelInsurance.com’s website

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024 . For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
“Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

AXA travel insurance FAQs

AXA travel insurance is a good option. It gets 3.5 stars out of 5 in our rating of the best travel insurance of 2024 .

Yes, AXA travel insurance offers “cancel for any reason” (CFAR) coverage as an optional upgrade to the Platinum plan. This coverage can reimburse you for up to 75% of your prepaid and nonrefundable trip expenses if you cancel your trip for any reason, as long as you cancel at least 48 hours before your scheduled departure.

CFAR coverage is only available as an optional benefit on the Platinum plan and must be purchased within 14 days of your first trip deposit.

Yes, AXA travel insurance covers both domestic and international travel.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Introduction to AXA Travel Insurance

Coverage Options Offered by AXA
AXA Assistance USA Cost

AXA Customer Service Reviews

Compare axa travel insurance.

Why You Should Trust Us

AXA Assistance USA Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Travel insurance is important because it can help cover the cost of unexpected medical expenses while you're traveling. It can also reimburse you for lost or stolen baggage, canceled flights, and other unforeseeable problems that may occur while you're away from home.

Simply put, there's a lot to consider.

But not all policies are created equal, and you must understand what you're covered for before you purchase a policy. This article will look in-depth at AXA Assistance USA travel insurance. We'll discuss the costs, coverage limits, exclusions, and more to help you make an informed decision about whether or not this particular travel insurance provider is right for you.

Trip cancellation coverage of up to 100% of the trip cost
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

Silver, Gold, and Platinum plans available
Trip interruption coverage of up to 150% of the trip cost
Emergency medical coverage of up to $250,000

AXA Assistance USA is among the best travel insurance companies . It covers the fundamentals of travel insurance, with coverage for trip cancellations, medical expenses, and emergency medical/non-medical evacuation. With three plans, AXA also offers coverage for travelers with various budgets.

It's worth noting that many important add-ons aren't available for AXA's cheapest Silver plan, such as pre-existing condition coverage, rental car add-ons, and Schengen travel insurance. Cancel for any reason coverage is also only available for AXA's most expensive Platinum plan.

Coverage Options Offered by AXA

AXA Assistance USA offers three levels of coverage: Silver, Gold, and Platinum. Each plan comes with different protections and varying coverage limits, with the Silver being the most basic option and Platinum offering the most premium coverage.

Some policies might even include added coverage free of charge, such as a waiver for pre-existing conditions , which is free for Gold and Platinum plans as long as you purchase your plan within 14 days of your trip deposit.

Specialized Coverage Options

The plan you purchase will determine which add-ons are available. For example, those with a Platinum plan can add CFAR (cancel for any reason) coverage , allowing you to receive a full refund if you cancel your trip within 14 days of making the initial deposit.

Or, if you want extra protection for your rental car, depending on your AXA plan, you might be able to add a collision damage waiver (CDW). Policyholders with Gold plans can add $35,000 CDW, and those with Platinum plans can include $50,000 CDW.

If you're traveling within the Schengen Territory, which is made up of 27 European countries, you may eligible for Schengen Travel Insurance, which covers you in all 27 countries. This option is only available for Gold and Platinum travelers and coverage lasts up to 90 days.

AXA Assistance USA Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The average cost of travel insurance is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate AXA's coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following AXA travel insurance quotes:

AXA Silver: $83
AXA Gold: $107
AXA Platinum: $127

Premiums for AXA plans are between 2.7% and 4.2% of the trip's cost, well below the average cost of travel insurance. It's also relatively cheap compared to many of its competitors

AXA provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

AXA Silver: $109
AXA Gold: $128
AXA Platinum: $153

Once again, premiums forAXA plans are between 3.6% and 3.8%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following AXA quotes:

AXA Silver: $392
AXA Gold: $462
AXA Platinum: $550

Premiums for AXA plans are between 6.5% and 9.2%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to Purchase and Manage Your AXA Policy

The process of purchasing an AXA policy is simple. After obtaining your quote, you'll need to decide which of AXA's three plans you want to buy. When you pay for your plan, be prepared to provide additional personal information, like your birthday, phone number, and address.

Once you finalize your purchase, you'll have a 10-day free look period, in which you can cancel your policy and get your money back.

How to File a Claim with AXA Travel Insurance

To file a claim with AXA Assistance USA, head to the claims forms online to find the appropriate form. Once you've filled out your form and gathered the required documentation, you can email them to [email protected] or send them by mail to:

AXA Assistance USA

On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies

P.O. Box 26222

Tampa, FL 33623

If you need assistance when filing claims, AXA's claims office can be reached at 1-888-957-5015 (within the U.S.) and 1-727-450-8794 (outside the U.S.). Office hours are 9:30 a.m.-5 p.m. ET on Thursdays and 8:30 a.m.-5 p.m. ET on all other weekdays.

AXA's U.S. branch has few reviews on Trustpilot and the Better Business Bureau — just over 20 between the two sites. Its UK branch has over 1,100 reviews, most of which are overwhelmingly negative. However, the quality of AXA Travel Insurance UK isn't necessarily indicative of its U.S. coverage.

In fact, on SquareMouth, where the majority of AXA U.S.'s reviews, reviews are generally positive. It received an average of 4.22 stars out of five across over 900 reviews. Customers reported that adjusting an AXA policy was easy and the customer service team was responsive. However, reviews on the claims process was more mixed, with spotty communication and long wait times.

See how AXA travel insurance compares to top travel insurance providers.

AXA Assistance USA vs. AIG Travel Guard

When comparing AXA to Travel Guard , we'll look at the coverage levels from their mid-tier plans, the Silver plan and Travel Guard Preferred plan, respectively.

With Travel Guard Preferred plan, you'll get:

Trip cancellation coverage up to $150,000
Trip interruption coverage up to $225,000
Emergency medical coverage of $50,000
Coverage for baggage loss, theft, or damage up to $1,000
Travel delay coverage of up to $800

Comparing those Travel Guard coverages with AXA's Silver plan, you'll see that AXA's coverage limits are a bit higher. With AXA's Silver plan you'll get $100,000 in emergency medical coverage, for example. And the baggage loss coverage limit is up to $1,500.

If you're looking for greater coverage limits, AXA makes the most sense in this scenario. But premiums will also vary based on factors like the traveler's age, trip destination, and trip cost. So you'll have to run your own numbers to make a final decision.

Read our AIG Travel Insurance review here.

AXA Assistance USA vs. Allianz Travel Insurance

Allianz Travel Insurance provides single-trip and multi-trip insurance for travelers who want to go abroad for an extended period of time. And, like with all insurance, the various plans have varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

Trip cancellation coverage up to $100,000
Trip interruption coverage up to $150,000
Emergency medical coverage for $50,000
Coverage for baggage loss, theft or damage up to $1,000
Travel delay coverage up to $800

Looking at AXA's mid-tier Silver plan, you'll see that, again, AXA offers more coverage for emergency medical and baggage loss, theft, or damage than Allianz Travel Insurance. That said, if cost is an essential factor for you, you'll have to get quotes using your personal trip information to make an informed decision.

Read our Allianz Travel Insurance review here.

AXA Assistance USA vs. Credit Card Travel Insurance

Already have a great travel credit card, like the Chase Sapphire Reserve or American Express Platinum? Some of the standard coverages, such as rental car insurance, may be included in the card you already have. It's a good idea to research the terms of your credit card's travel protection before purchasing a separate travel insurance policy.

If you're driving to your destination and don't have any non-refundable trip expenses, the coverage from your credit card may be enough. Another time it might work is if you have health insurance covering you while abroad and you're in good health without worrying about possible medical costs.

It's essential to remember that credit card coverage is usually secondary. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Why You Should Trust Us: How We Reviewed AXA Assistance USA

We researched AXA by evaluating its travel insurance plans compared to other plans from the top travel insurance companies. The aspects we looked at included, but were not limited to, different coverage options, claims limits, what is covered, available add-ons, and extra services for policy holders.

What's important when choosing a policy isn't just the price — it's making sure you're getting adequate coverage that meets your needs without breaking the bank. Filing a claim should also be easy and stress-free if you ever have to use your policy.

Read more about how Business Insider rates insurance products here.

AXA Assistance USA FAQs

If you're diagnosed with COVID-19 before a trip and need to cancel, AXA may cover your expenses. Additionally, a COVID-19 diagnosis during a trip may be covered under AXA's medical expense, trip interruption, and trip delay benefits. Be sure to review your policy to ensure coverage details.

While you may extend your coverage in certain circumstances, such as extended hospitalization, and update your travel dates prior to your departure, you can't extend AXA travel insurance plans while you're traveling.

AXA's Gold and Platinum plan cover pre-existing medical conditions as long as you purchase your policy within 14 days of your initial trip deposit. AXA's Silver plan does not cover pre-existing conditions and has a 60-day look-back period.

You can download AXA claims forms on its website and email them to [email protected].

AXA isn't the most flexible travel insurance company and isn't great at specializing, but it offers comprehensive general coverage. Its prices aren't significantly more expensive or cheaper than its competitors.

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To that end, you should know that many advertisers pay us a fee if you purchase products after clicking links or calling phone numbers on our website.

The following companies are our partners in Travel Insurance: Travel Guard Insurance , Allianz Global Assistance , Travelex , TravelInsurance.com , Seven Corners , Generali Global Assistance , Trawick International , Squaremouth , and Faye .

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If you choose to click on the links on our site, we may receive compensation. If you don't click the links on our site or use the phone numbers listed on our site we will not be compensated. Ultimately the choice is yours.

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Our brand, ConsumersAdvocate.org, stands for accuracy and helpful information. We know we can only be successful if we take your trust in us seriously!

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How is AXA Travel Insurance rated?

Overall rating: 4.5 / 5 (excellent), axa travel insurance plans & coverage, coverage - 4.5 / 5, emergency medical coverage details, baggage coverage details, axa travel insurance financial strength, financial strength - 4.8 / 5, axa travel insurance price & reputation, price & reputation - 4.7 / 5, axa travel insurance customer assistance services, extra benefits - 4.2 / 5, travel assistance services.

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Related to travel insurance, top articles.

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AXA Assistance USA Travel Insurance Review (2024)

AXA Assistance USA offers affordable travel insurance plans that cover unexpected medical and cancellation expenses

with our comparison partner, TravelInsurance.com

Sarah Horvath is one of the home service industry’s most accomplished writers. Her specialties include writing about home warranties, insurance, home improvement and household finances. You can find her writing published through distributors like HouseMethod, Architectural Digest, Good Housekeeping and more. When not writing, she enjoys spending time in her home in Orlando with her fiance and parrot.

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AXA Assistance USA, a global insurance provider, offers travel insurance and travel medical insurance with benefits that go above and beyond many other providers — but is it the best choice for your next trip? AXA.

We at the MarketWatch Guides team examined AXA’s coverage options, what you might pay for insurance and how it compares to the best travel insurance companies . Read on to find out whether it’s a good fit for you.

Average Cost: $218
BBB Rating: A-
AM Best Score: A+
Medical Expense Max: $250,000
Emergency Evacuation Max: $1,000,000

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Our Take on AXA Assistance USA Travel Insurance

After reviewing dozens of travel insurance providers, AXA ranks high on our list with 4.2 out of 5 stars. We also named the company as the best travel insurance choice for leisure.

AXA’s Platinum travel insurance plan — its top-tier offering — comes with unique perks, such as $500 for lost rounds of golf and $25 per lost ski day. Its Gold and Platinum plans also provide pre-existing medical coverage when you purchase the plan within 14 days of your initial trip deposit date.

While AXA offers unique benefits and competitive pricing, there are some limitations on its policies. Cancel-for-any-reason (CFAR) upgrades are only available on its most expensive plans, and add-on options are more limited than other insurers.

AXA is best for travelers with pre-planned activities and those looking for medical coverage on affordable plan options. If you’re looking for more customization, Trawick may be a better choice.

AXA Assistance USA Pros and Cons

AXA Assistance USA is part of AXA Group, which is a multinational conglomerate of companies that offer a wide variety of insurance products. We recommend AXA travel insurance as one of the top-rated providers of travel insurance in the U.S., particularly for leisure travelers looking for insurance.

AXA’s tiered policy plan system provides even basic policyholders with comprehensive coverage including medical costs, baggage loss and trip delays or interruptions. The range of insurance plans is limited, with fewer add-ons available compared to competitors, but we think the overall value of AXA’s insurance is very good.

AXA Assistance Travel Insurance Plans

AXA offers three plan options for international travel:

Silver: AXA’s most affordable option, the Silver plan includes 100% trip cancellation and interruption coverage. It also includes $100 a day in trip delay coverage , $25,000 in medical expense coverage and $100,000 in emergency evacuation coverage.
Gold: The Gold plan extends trip interruption coverage to include a 150% reimbursement and extends medical coverage to include $100,000 worth of protection. It also provides $500,000 in emergency evacuation coverage.
Platinum: The Platinum plan extends coverage to include $250,000 worth of medical coverage and up to $1 million in evacuation coverage. The plan comes with a few leisure-related benefits, including coverage for lost ski days.

All plans include complimentary concierge coverage, 24/7 travel assistance and free identity theft protection.

AXA Add-On Options

Travel insurance add-ons, which are also referred to as riders, are optional extras that you can personalize your insurance policy with, depending on the kind of coverage you need. AXA travel insurance only has a couple of add-on options for their travel insurance plans, along with additional coverage in their Gold and Platinum Plans.

AXA’s coverage add-ons include:

Cancel for any reason (CFAR)
Collision damage waiver

Their Platinum Plan also includes:

$25 for a lost skier day
$500 for lost golf rounds
$1,000 for sports equipment rental

Cost of AXA Travel Insurance Plans

How much you pay for an AXA travel insurance plan depends largely on which coverage tier you choose. Different plans provide reimbursements for varying situations, which means the risk the insurer takes on also varies.

Use the chart below to compare AXA Assistance's average cost to competitors:

AXA Assistance USA International Travel Cost

To help give an idea of the cost of AXA Assistance USA Insurance policies, below is an estimate we received for a travel insurance policy from AXA for an international trip to Croatia. Two citizens from the U.S., aged 25 and 27 years old, are traveling. Their trip is from September 1st, 2023 until September 9th, 2023 and costs $4,000. The initial deposit for the trip was made on May 5th, 2023.

Your trip cost will also play a role in coverage costs . For example, if you are traveling internationally and spend a high amount on airfare, the insurer will need to pay more to reimburse you if you file a claim.

AXA Assistance USA Domestic Travel Insurance

AXA Travel insurance works for trips both domestic and abroad. Take a look at how much you might pay for Gold-level domestic travel insurance based on where you are starting your trip, the trip’s cost and your age.

Read More: Travel Insurance For United States Tourists

AXA Assistance USA Travel Insurance Reviews

The majority of positive reviews about AXA travel insurance show that customers are pleased with the coverage options and the peace of mind that trip insurance provides. While many customers have positive claims experiences, others mentioned slow claims processing, slow response times from customer support staff and a generally low standard of customer service.

Below are company reviews that were found on Better Business Bureau (BBB) and Trustpilot .

“I found myself in a medical emergency whilst abroad and required surgery. Every single member of staff I spoke to [was] helpful, friendly and empathetic to my situation. They ensured additional seats for my journey home as well as airport assistance. I have made an additional claim on returning to the UK for expenses I incurred whilst in the hospital — this has been processed quickly and without issue. I feel very strongly that people only tend to complain on the back of a negative experience, but I felt compelled to make people aware of my experience which was completely positive.” —Abigail N. via Trustpilot “Every time I've made a claim with this company it's been dealt with superbly, no issues at all. Paid on two [COVID-19] claims this year, a cancelled holiday for illness a few ago and the sickness whilst away 7 years ago, comes as part of my bank package. Would have no hesitation in recommending them to anybody.” — Silver F. via Trustpilot “They paid very slowly, but they eventually did pay. I took a trip in June 2022. While there, I got COVID just before I was to return. My return home was delayed by 9 days, and I had to buy a new return ticket home. They do not respond to emails (other than the standard automatic "We received your correspondence, blah blah") but no personal communication until 8 to 10 weeks later. Don't bother calling because you will be put on hold for a very long time, then be disconnected. Can I recommend them? No. Will I be insured with them in the future? Certainly not. But to their credit, they did reimburse me, and for the full amount I asked for.” — William S. via BBB “Worst company to buy travel insurance . I had to cancel my return ticket due to being sick last year and I already provided all the asked documents and submitted the claim in December 2021 and am still awaiting a response. No updates, no progress on my claim, and it's been almost 6 months now. [...]” — Dilshadahemad K. via BBB

How To File a Claim with AXA Travel Insurance

Filing a travel insurance claim with AXA is straightforward. Follow these steps:

Gather documentation: Once you are able to do so, gather documentation that proves your claim. If you are filing a claim for medical bills, gather a summary of the treatment you received and bills you owe or paid.
Call or submit documentation online: Next, connect with a representative to submit your claim. You can reach AXA at 888-975-5015 or by logging into your online portal.
Wait for reimbursement: Once you have filed your claim and any necessary documentation, the last step is to wait for reimbursement. You can contact AXA for updates as needed.

AXA Assistance USA vs. Competitors

Check out how AXA compares with some of the other top international travel insurance providers we have reviewed.

The destination you select plays a significant role in your pricing. Browse the table below to learn more.

Is AXA Assistance USA a Good Choice for Travel Insurance?

We found that AXA’s travel insurance coverage is best suited for adventure travelers and those looking for top-tier coverage. AXA’s Platinum plan can offer travelers more unique benefits, including payments for lost ski days and medical coverage for pre-existing conditions.

AXA might not be best for those looking for quick, cheap coverage . While its pricing is in line with other companies, it limits its CFAR coverage and most inclusive benefits to the highest pricing tier. Options like Faye Travel Insurance specialize in offering streamlined, quick coverage choices at lower prices, which can be beneficial for last-minute travelers.

Frequently Asked Questions About AXA Travel Insurance

What are the benefits of axa travel insurance.

One of the key benefits of AXA Travel Insurance is that they have a huge international network, which means you’ll receive travel assistance services along with insurance coverage. They also advertise a 24/7 concierge service that can be used before you travel for advice or recommendations on what to book and where to visit.

Who owns AXA Travel Insurance?

AXA Assistance USA is part of AXA Group, which is a multinational insurance company that was originally founded in France. The group is a collection of independently run businesses which includes travel insurance companies in countries across the world, primarily in North America, Western Europe and the Middle East.

Does AXA cover me abroad?

If you purchase a travel insurance policy from AXA, then you will be covered when you travel abroad. This includes coverage if you require medical treatment while in another country and emergency evacuation due to medical conditions or an unrelated incident.

What travel insurance is underwritten by AXA?

Many different travel insurance providers and policies are underwritten by AXA Insurance, which means that AXA determines the coverage that can be offered and how much this will cost. Travel insurance providers underwritten by AXA include TUI Travel Insurance, Coverwise travel insurance, Just Travel Cover and ABTA Travel Insurance.

Other Travel Insurance Providers to Consider

Faye Travel Insurance Review
TravelSafe Travel Insurance Review
Nationwide Travel Insurance Review
WorldTrips Travel Insurance Review
World Nomads Travel Insurance Review
Allianz Travel Insurance Review
GeoBlue Travel Insurance Review

Methodology: Our System for Ranking the Best Travel Insurance Companies

A 30-year-old couple taking a $5,000 vacation to Mexico.
A family of four taking an $8,000 vacation to Mexico.
A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
A 30-year-old couple taking a $7,000 trip to the United Kingdom.
A 19-year-old taking a $2,000 trip to France.
A 27-year-old couple taking a $1,200 trip to Greece.
A 51-year-old couple taking a $2,000 trip to Spain.
Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

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Our Review of the Top 10 Travel Insurance Providers for Any Destination

Reviews of the Top 10 Best Travel Insurance Companies

Quality Verified

Updated: October 27, 2022

Top 10 Travel Insurance Providers

Our Methodology

Before you buy.

Advertising & Editorial Disclosure

Whether you're planning your honeymoon, a family trip to Hawaii or a business trip to meet new clients, travel insurance can provide protection when your plans go astray. There are generally three main types of travel insurance: travel cancellation and disruption; medical assistance and evacuation; and baggage loss and delay. We researched dozens of travel insurance companies to pick the best in the industry. The right plan for you may depend on the nature of your travels, who is traveling and your budget. But whatever your needs, these 10 picks are financially stable, reliable companies with a good track record and comprehensive coverage.

Our Top 10 Travel Insurance Providers

Best : Overall, and for families with kids Travelex Insurance Services is a leading travel insurance provider based in Omaha, Neb. Its parent company, Travelex, has been a worldwide leader in foreign currency exchange for decades, and Travelex Insurance was started in 1996. The company's travel insurance policies are underwritten by Old Republic Insurance Company and Transamerica Casualty Insurance company, which has a financial rating of A+ from A.M. Best, and TransAmerica Casualty Insurance Company, which has A.M. Best ratings of A. The company has won the international luxury travel network Virtuoso's Best Travel Insurance Provider award for eleven years in a row. It is accredited by the Better Business Bureau, which gives it an A+ rating.

Coverage: Travelex offers two main coverage plans - basic and select (family-friendly) - and two flight insurance opt-ins. They offer protection for both leisure and business travelers. Like many companies here, they cover younger children (17 and under) at no additional cost. The company boasts a high claims paid rate (previously reported at 94 percent).

Website/mobile apps: The Travelex mobile website allows you to shop and purchase policies, get emergency assistance, and access trip-related documents from your phone. You can initiate a claim and check the status of your claim online.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Basic $377, Select $333, Max $895

Best for : Frequent travelers Allianz Travel Insurance is part of the giant multinational corporation Allianz, which has over 140,000 employees on five continents. Allianz insures over 80 million customers worldwide. The company has been around for over 100 years. In fact, Allianz insured the Wright Brothers' first flight in 1903. Today Allianz is accredited with the Better Business Bureau, which gives them an A+ rating. Its financial rating from A.M. Best is A+.

Coverage: Allianz offers a handful of distinct plans including those for frequent travelers. If you travel for business, for example, it might be worth investing in an annual plan that covers both medical and lost baggage expenses for all your trips throughout the year.

Website/mobile apps: Back in 2013 Allianz won an award for its TravelSmart mobile app, which connects travelers to approved hospitals in over 120 countries. The app also allows travelers to check on flight statuses, get emergency international assistance, and access their policy while on the road.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $304.

Best for : Luxury Travel TravelGuard is a subsidiary of AIG. Its policies are underwritten by National Union Fire Insurance Company of Pittsburgh, which has an A.M. Best financial rating of A. The company is accredited with the Better Business Bureau and has a rating of A+.

Coverage: TravelGuard includes trip assistance - including dealing with lost bags, cancelled flights, or medical emergencies - via agents who are available 24 hours a day. They offer three basic plan levels - Deluxe, Preferred, Essential - as well as numerous additional upgrades and packages. Upgrades can cover things like last-minute trips where cancellation isn't a factor. TravelGuard stands out in its overage levels - it will insure a trip coverage up to $500,000, higher than the average industry coverage. All of its plans include concierge service and 24-hour emergency assistance.

Website/mobile apps: TravelGuard has an online Claims tool that allows clients to easily file a claim from a computer or mobile device. The tool speeds up the claims process while allowing users to upload photos and documents, electronically sign claims forms, and check the status of a claim from their phones.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Silver $252/Gold $309 / Platinum $655

Best for : Traveling with pets San Diego-based Generali Global Assistance has provided travel insurance since 1991. The insurance division has previously been known as CSA Travel Protection. Generali Global is accredited by the Better Business Bureau and has an A+ rating and an A financial rating from A.M. Best.

Coverage: CSA offers three plans: Standard, Preferred and Premium. It covers telemedicine services with its plans and medical costs if a person becomes sick or injured during their trip. It also reimburses medical costs if you pay out of pocket. As with most travel insurance companies, CSA offers 24/7 emergency assistance, concierge services, identity theft resolution services and a 10-day "free look" period. If you change your mind within 30 days of purchasing the insurance and before you start your trip, the company will provide a full refund. It offers pet relocation services: If you have a medical emergency and cannot take care of your pet while on vacation, it will return your pet home. It also has a Pet Service Locator to help you find vets or other pet services on your travels. For pre-existing medical conditions, you would need to purchase the Premium plan before or at least 24 hours in advance of your final trip payment. You will also need to be medically able to travel, and your prepaid expenses are insured.

Website/mobile apps: They walk you through the claim-filing process step-by-step on their website .

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $298.52 Standard / $346.28 Preferred / $398 Premium

Best for : Budget Adventure Travel World Nomads has targeted its insurance at independent travellers and adventure-seekers. If your vacation includes activities like kite sailing, snowboarding, or bungee jumping, this might be the company for you. The company is recommended by Lonely Planet and National Geographic Adventure... But you don't have to be an adventure seeker to benefit from the very competitive rates offered by World Nomads. The company's policies are underwritten by Lloyd's, which has an A financial rating from A.M. Best.

Coverage: World Nomad offers two levels of insurance plans, which include all of the typical coverage options. In addition, it offers coverage for cameras, laptops, digital gear, and all sorts of travel activities.

Website: World Nomads has an interactive website that allows you to ask questions related to travel and receive both informative articles and blog posts from fellow travelers. It has also developed language apps for iPhones. And you can purchase policies and file claims online from anywhere in the world.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $185 to $255. World Nomad doesn't ask the cost of your trip for the online quote, or the number of travelers, but does distinguish between single, couple, and family groups. The quote tool offers an option to donate to a cause in your destination as well.

Best for : Workaholics In addition to providing travel insurance, AXA offers trip other assistance through its network of over 9,000 staff members in over 30 offices around the world. The company has a financial rating of A from A.M. Best. American Modern Home Insurance - which has an A+ financial rating from A.M. Best - underwrites AXA travel policies. AXA Assistance has an A+ rating from the Better Business Bureau.

Coverage: AXA offers three plans (gold, silver, platinum). It offers an additional "cancel for any reason" policy, which will cover up to 75 percent of your pre-paid non-refundable trip costs. This option must be purchased within 14 days of your first trip payment, but it's a good option for people whose jobs are unpredictable.

Website/mobile app: The website provides a clear chart outlining the three levels of service and their coverage, and it is fast and easy to get an online quote.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $342 Silver / $395 Platinum / $492 Gold

Best for : Study abroad/Expats HTH Travel Insurance is a leader in providing medical coverage for international students and expatriates. The company's policies are underwritten by Nationwide, which has an A+ financial rating from A.M. Best. HTH is not rated by the Better Business Bureau, but it is a member of the U.S. Travel Insurance Association (USTIA) and has signed on to its Code of Ethics.

Coverage: In addition to providing traditional comprehensive trip insurance, HTH specializes in providing medical coverage for students, faculty, and expats living abroad. The long-term overseas coverage only covers medical issues, not trip cancellation or lost baggage. The plan will pay up to $1,000,000 for a medical evacuation and contains no lifetime limit.

Website/mobile apps: The website offers a lot of information about overseas travel and living and provides straightforward quotes. The mPassport app gives you access to thousands of doctors around the world who speak English.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Economy $389, Classic $456, Preferred $546.

Best for : Mobile app aficionados Warren Buffet's Berkshire Hathaway is not known for travel insurance, but it is rapidly gaining recognition in the market for its technological advances in the field. It launched its travel protection program in 2014 and has been winning over customers with its fast claims payments. Berkshire Hathaway has an A.M. Best financial rating of A++. It is accredited with the Better Business Bureau and has an A+ rating.

Coverage: BHTP offers six distinct plans tailored to meet your specific travel needs. Options are available for adrenaline junkies, low-budget fliers, family vacationers, business travelers, and even those looking to relax on a cruise.

Website/mobile apps: Berkshire Hathaway is a leader in providing mobile apps to facilitate rapid claims and payments. You can file a claim online or via the mobile app, which also allows you to track flights, get help finding lost luggage, rebook flights and purchase policies. Getting an online quote is also possible, but the process isn't quite as smooth.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: ExactCare Family: $249; ExactCare: $346.

Best for : International volunteers or employees The Indiana-based Seven Corners began offering international medical insurance in 1993. Today Seven Corners offers a wide range of travel insurance to U.S. residents and foreigners visiting the U.S. It also offers group plans to companies, non-profits and U.S. government agencies seeking to protect their staff and volunteers when traveling. It is the travel insurance provider for the Peace Corps and other U.S. government agencies. Different plans are underwritten by different companies. The popular RoundTrip comprehensive plans are underwritten by Nationwide, with an A+ financial rating from A.M. Best. Other plans are underwritten by Lloyds of London or U.S. Fire Insurance Company, both of which have A ratings from A.M. Best.

Plans: Seven Corners offers a wide range of plans for almost every conceivable coverage option. Its RoundTrip plans provide comprehensive trip coverage (including trip cancellation, medical treatment, and lost property). The RoundTrip Elite plan allows you to cancel for any reason (with 75% reimbursement) and covers pre-existing conditions as long as you purchase the plan within 20 days of your trip deposit and fully insure your trip.

Website/mobile app: In 2016, Seven Corners launched a new mobile website that allows consumers to purchase plans, get 24-assistance and learn about travel insurance from their smartphones.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Economy $416, Choice $441, Elite $462.

Best for : Hassle-free claims Founded in 1988 in France, April International now operates in 33 countries. April has an A+ financial rating from A.M. Best. Its U.S. travel insurance policies are underwritten by American Modern Home Insurance, which also has an A.M. Best rating of A+. The company is accredited with the Better Business Bureau and has an A+ rating, and it's a member of the U.S. Travel Insurance Association.

Coverage: April provides traditional comprehensive travel insurance, but it also offers an annual plan designed for people who travel at least three times per year. For fairly low prices, you can get basic coverage for trip interruption or delay, medical expenses, and baggage delay or loss. These are plans designed for frequent travelers who don't want to sweat the many small complications that can add up to big expenses. April prides itself on its Stress Less Benefits, which often allows policyholders to avoid a claims process and instead just call in their issue while traveling. If a claims report is needed, the company seeks to get it paid within 30 days.

Website/mobile apps: April has an easy to use website (though some reimbursements require the old-fashioned way) as well as a fully functional "Easy Claim" app.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $482.

We reviewed dozens of travel insurance providers to come up with this list of top companies. Our criteria for inclusion included:

Experts recommend you do your homework before buying a travel insurance policy. The industry is known for excessive exclusions and confusing language in small print. The National Consumer League recommends that you:

Check to see if you're already covered through another policy. Lots of insurance policies (including home, auto, and life) and credit cards offer partial coverage for trip interruption or medical emergencies.

Read the fine print - especially regarding exclusions. Things like pre-existing conditions, pregnancy-related issues, job loss or travel in a country that has reported a high threat of terrorism may be excluded.

Remember that you can get your money back. Lots of travel insurance companies allow you to get your money back if you cancel the plan within ten days (before travel).

Don't purchase travel insurance through airlines. Airlines aggressively push these cancellation insurance plans and pay commissions of 10 to 40 percent to the travel agents who sell them.

Consumer Reports recommends that you use an online travel insurance broker to search for a good match for your travel. Sites like Squaremouth , InsureMyTrip.com , or QuoteWright.com all allow you to shop and compare quotes. Even if you use such a service, however, Consumer Reports recommends contacting the carrier directly to go over the coverage and fine print before purchasing a policy.

U.S. Travel Insurance Association (USTIA) This professional association represents travel insurance companies and promotes ethical and professional industry standards. You can search its database for member organizations.

National Association of Insurance Commissioners (NAIC) Provides information and advice for consumers regarding when and how to purchase travel insurance.

Insurance Information Institute (III) The III is dedicated to promoting a public understanding of insurance. It has a page providing travel insurance facts.

Your state Insurance Commissioner All insurance is regulated at the state level. NAIC provides an interactive map so that you can click on your state and be directed to your state's Insurance Commissioner.

Better Business Bureau (BBB) The BBB allows you to search its vast online database to check on the reputation and any complaints that have been filed against a company.

About Mary Purcell, MA

Mary Purcell is a freelance writer and health and finance researcher in Piedmont, Calif., with expertise in policy analysis. She is fluent in Spanish and has a master's degree in Latin American studies from Georgetown University. Her articles have appeared on LimeHealth, Narrative, Consumer Health Interactive, and other outlets.

AXA Assistance USA
Provider Review

Reviews, Sales, and Service Ratings for AXA Assistance USA

0.1% (101) negative reviews to sales Average on Squaremouth is 0.2%

5 stars 576
4 stars 186
1 star 58
Customer Service Before Trip
Customer Service During Trip
Customer Service During Claim

Customer Reviews for AXA Assistance USA

Sort by Most Helpful, Most Recent, Star Ratings, or select “Filed Claim” to only show reviews from customers who filed a claim.

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Sort and Filter Sort/Filter All ratings 1 star 2 stars 3 stars 4 stars 5 stars Newest First Rating, best to worst Rating, worst to best Most helpful first Filed claim

Even though I have a verification letter from the airline itemizing what I paid and what they refunded, AXA is still requesting my credit card statements detailing the expense. Very time consuming at a time when I’m dealing with a husband undergoing open heart surgery.

I have sent them receipts 3 times in one of my travel providers. It’s like they don’t read all the attachments.

I am owed about $6000 and I’m concerned at this point that they are looking for reasons not to pay out by burdening me with repeat and unnecessary requests.

Time will tell.

I was very pleased with the claim process and response time. Was apprehensive that the claim process would take longer but everything was handled quickly and professionally. I was pleasantly surprised.

Called to change date of departure, the person I spoke with was very nice and agreeable.

Total waste of money. AXA keeps asking for stuff that it's not applicable to the claim. Their strategy is to keep asking for information until you give up. Will never purchase trip insurance again.

prompt and courteous.

Had to cancel our trip and get a credit for insurance for some future trip- handled competently.

I sent an email message to AXA Assistance about breaking my ankle in Portugal while I was on vacation. I asked them what they needed for documentation, and where I should mail the information. I am upset that they haven't responded. Sincerely, Barbara Dietrich

I would like to know how to send you the medical bills charging me during the trip as proof for claim! Thanks.

The Customer Service was Really Good !

The claim process requires a lot of details and documentation, so be sure to keep good records of expenses and medical reports in one organized folder. It was clear and somewhat expedite. The only negative is the lack of transparency for the itemization of exactly which expenses were reimbursed. You receive a final email with the reimbursement payment total. The electronic payment process is super easy and fast and modern to allow Zelle payments in the same day. Thank you.

Insurance Providers

Arch RoamRight
Azimuth Risk Solutions, LLC
Berkshire Hathaway Travel Protection
CSA Travel Protection
Detour Insurance
Generali Global Assistance
Global Alert
Global Guardian Air Ambulance
Global Underwriters
HTH Travel Insurance
INF Visitor Care
John Hancock Insurance Agency, Inc.
MedjetAssist
Nationwide Mutual Insurance Company
Seven Corners
Travel Insured International
Travelex Insurance Services
Trawick International
USA-Assist Worldwide Protection
USI Affinity Travel Insurance Services

Additional Information

AM Best Ratings

AXA Travel Insurance Review | Money

T raveling can be an incredibly enriching experience, but it’s important to be prepared for the unexpected. From flight delays to medical emergencies, unforeseen events can quickly turn a dream vacation into a nightmare. Luckily, you can get travel insurance for peace of mind and financial protection during your journey.

There are many options out there, and choosing the best travel insurance company for your needs requires some research. In this article, we’ll take you through the pros and cons of choosing AXA Travel Insurance. We’ll also look at AXA’s plans, pricing, accessibility and customer satisfaction.

Best travel assistance services while abroad

If you’re traveling internationally, having reliable assistance services can go a long way.

AXA Travel Insurance stands out in this department. It has a presence in 30 countries, and customer support services that include:

24/7 emergency assistance : AXA’s travel support team is available around the clock. Whether you’re facing a medical emergency or need help with lost documents, you can call for assistance.
Multilingual support : Language barriers can be a significant challenge when dealing with emergencies in foreign countries. AXA’s multilingual customer support team bridges this gap by offering help in 20 different languages.
Travel information services : AXA keeps travelers informed with up-to-date travel advisories and safety tips. AXA also offers referrals for lodging, transportation, restaurants and entertainment.

AXA Travel Insurance pros and cons

Concierge services included in all plans, high lost baggage coverage, coverage for lost sports days and equipment, negative customer reviews, cancel for any reason coverage only available with platinum plan, pros explained.

One of AXA’s strengths is the broad range of concierge services it offers with every plan tier. This includes support for booking hotel accommodations, rescheduling flights, arranging ground transportation, obtaining event tickets and making restaurant reservations.

AXA’s Platinum plan offers a maximum benefit of $3,000 for lost baggage. If you’re traveling with valuable property, this might be a worthwhile option.

If your travels include golfing or skiing, AXA Platinum covers up to $1,000 in rental costs should your checked sports equipment be delayed, lost or damaged by your carrier. The plan also covers lost golf rounds up to $500 and lost ski days at $25 per day for five days.

Cons explained

AXA has quite a few poor ratings on online review sites like TrustPilot. Some customers complained about delayed or unfulfilled insurance claims; others say it took months for their claim money to get reimbursed.

AXA’s Cancel for Any Reason (CFAR) benefit, which lets you cancel your trip without losing a dime, is only available on its most expensive plan.

AXA Travel Insurance plans

When evaluating whether AXA is the right provider for you, take some time to research what various travel insurance policies cover . Here’s a quick look at AXA’s plans.

Silver plan

AXA’s Silver plan provides basic coverage for travel-related risks. With this plan, you’ll be covered for 100% of your trip’s cost if it needs to be canceled or cut short due to illness, natural disaster or another specific reason outlined by the company.

The Silver plan also includes emergency medical coverage for emergencies like broken bones, strokes or allergic reactions. This coverage also includes compensation for accidental death and dismemberment, providing an added layer of security and support during your travels.

Moreover, the Silver plan provides baggage and personal belongings coverage, offering compensation if your baggage is lost, stolen or damaged during your trip.

Like the Silver plan, the Gold plan includes 100% trip cancellation coverage, but expands trip interruption coverage to 150%, which gives you an extra safety net if you have to cut your trip short — reimbursing you for a new flight home and any pre-paid expenses you weren’t able to use.

There’s also an option to add a Collision Damage Waiver to this plan, which covers damage or loss to a rental car due to collision, theft or vandalism.

Platinum plan

The Platinum plan is the most comprehensive offering from AXA Travel Insurance, encompassing all the benefits of the Gold Plan at higher maximums. In addition, the Platinum plan offers limited coverage for pre-existing medical conditions and for equipment and reservations related to golf and skiing. You’ll also have access to the Collision Damage Waiver.

At the Platinum plan tier, customers have the option to enhance their coverage with the Cancel for Any Reason benefit. This extends coverage (with a maximum benefit of up to 75% of the trip cost) for cancellations outside the scope of AXA’s standard coverage, like those related to work obligations.

AXA Travel Insurance pricing

The cost of travel insurance depends on several factors. The type of coverage you choose, as well as your destination, total trip cost and the age of travelers in your party all impact how much you pay. Older travelers will pay higher premiums, for example. AXA travel insurance offers competitive pricing, though premiums do vary. To get an accurate quote for your specific trip, use the quote tool on AXA’s website or contact the company at 855-327-1441.

AXA Travel Insurance financial stability

AXA Assistance USA operates as a subsidiary of AXA Group, a French firm, which has a strong financial standing. Major credit rating agencies give AXA Group solid ratings, including an A+ (Superior) from A.M. Best and an Aa3 from Moody’s. These ratings mean travelers can be confident in the company’s ability to pay out claims.

AXA Travel Insurance accessibility

Availability.

AXA Travel Insurance is available to U.S. travelers from all 50 states and Washington, D.C., providing coverage for trips to 200 destination countries around the globe.

Contact information

AXA Travel Insurance’s general customer support is available from Monday to Friday, 8 a.m. to 7 p.m. For policyholders, travel assistance is available by phone 24/7.

Here are the main points of contact for AXA:

Sales phone number: 855-327-1441
Customer support phone number: 855-341-9877
AXA Travel Insurance claim support: 888-957-5015
AXA Travel Assistance phone number: 855-327-1442
AXA Travel Insurance email address: [email protected]

User experience

AXA’s website has a personalized quote tool, which can give you an estimate of how much your insurance premium will cost for all three of its plan levels. A downloadable PDF for each plan is available, which provides more details about coverage definitions, limitations and exclusions.

Filing a claim also happens online. To complete the process, policyholders need to download the applicable claim forms and upload them to AXA’s online portal.

AXA Travel Insurance customer satisfaction

AXA Assistance USA is rated A+ by the Better Business Bureau (BBB), though it’s not accredited by the organization. Customers give the company 1 out of 5 stars on the BBB site. Most of the negative feedback is focused on unpaid claims and poor communication with the company.

AXA Travel Insurance FAQ

Is axa travel insurance good, how much is axa travel insurance, does axa travel insurance cover cancellation, how we evaluated axa travel insurance.

To provide an accurate and objective review of AXA Travel Insurance, we analyzed:

Coverage options
Coverage limits and pricing
Accessibility
Financial stability
Customer feedback

Summary of Money’s AXA Travel Insurance review

As a global company with employees on five continents, AXA is our pick for offering the best travel assistance services while traveling abroad. All plans include concierge services, which provide invaluable support and multilingual assistance during your travels. AXA’s Platinum plan is particularly good, providing high coverage amounts for lost baggage and sports equipment, among other expenses.

That said, some customers have faced issues with AXA’s claim process and customer service representatives, according to online reviews. Moreover, the company’s Cancel for Any Reason benefit is only available at the Platinum plan level.

Before you pay for a travel insurance policy, be sure to carefully research different providers and compare plans to find the best coverage for your situation. For more guidance, check out our explainers on whether travel insurance is worth it and the best time to buy travel insurance .

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

This article may contain affiliate links that Microsoft and/or the publisher may receive a commission from if you buy a product or service through those links.

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AXA Assistance USA is a travel insurance provider for US-based customers. Read on to learn pros, cons, pricing, and more.

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AXA 2024 Review

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AXA Assistance USA Overview

For those who have purchased travel insurance in the past, AXA Assistance USA may already be a familiar name. The French multinational insurance giant provides third-party international assistance services for many recognizable brands, including MetLife, Medical Mutual, and more. What you may not have known is that AXA Assistance USA also offers travel insurance options direct to consumers as well.

Should you get AXA Assistance USA before your next trip? In this article, we’ll break down everything you need to know about AXA travel insurance, and if it may be the best product for your vacation.

What is AXA Assistance USA

AXA was founded in 1816 as a mutual insurance company in Paris, France. For the first 160 years, the company provided insurance products for covered policies. Starting in 1978, the company started making strategic acquisitions which would see them expand into banking, financial products, health insurance and securities.

The company adopted the name AXA in 1982, not because it is an acronym, but rather because it is easily pronounced in any language. Today, the company operates in every inhabited continent in the world, and was rated one of the most powerful companies in the world based on global corporate control over financial stability.

The travel-focused side opened business in 1959, when Pedro Louis Poch started GESA, an insurance company focused on protecting travelers away from home. The company is credited as the first to offer medical repatriation to travelers, in the event they become seriously sick or injured when away from home.

In 1998, AXA purchased GESA, which transformed the country from a multi-service company into a travel-focused company. The group was renamed AXA Assistance, and works to assist travelers far from home. Today, AXA Assistance is focused on two different lines of service: providing insurance services for covered travelers, and assistance as part of other travel insurance products.

AXA Assistance USA Travel Insurance Options

AXA Assistance USA offers three comprehensive travel insurance policies for travelers, with varying levels of coverage based on their needs. Each plan covers many of the common concerns of international travelers, including trip cancellation protection, trip delay and baggage delay protection.

AXA Assistance USA Silver: Silver is the entry-level product that offers basic coverage for small international trips. Travelers who select this plan can expect coverage for accidents and sickness, emergency medical evacuation, and baggage delay or loss.
AXA Assistance USA Gold: Designed for those taking an expensive vacation which may include tours or cruises, the Gold plan offers a higher level of protection with increased maximums for trip interruption, trip delay and emergency medical evacuation. This plan also includes one optional buy-up: a $35,000 collision damage waiver for rental cars.
AXA Assistance USA Platinum: The highest level of coverage available, the Platinum plan is designed for those planning a high-cost luxury tour, including sports and skiing vacations. In addition to offering the highest benefit maximums, the Platinum options also includes coverage for lost skier days, lost golf rounds, or sports equipment rental if the traveler’s equipment is delayed getting to their destination.

What’s Covered Under a Typical AXA Assistance USA Plan

Like other travel insurance options, AXA Assistance USA Plans offer coverage for the most common issues travelers face. This includes trip cancellation, trip delay, trip interruption, and emergency medical evacuation.

Trip Cancellation: Even with the best-made plans, the unexpected can derail a trip in the blink of an eye. If a traveler or member of their immediate family gets sick, injured, or an accident happens on the way to the airport, trip cancellation can help covered families recover some of their non-refundable costs. Across all plans, the maximum allowed benefit is 100 percent of the covered trip cost.
Trip Interruption: Tragedies can happen at any time -- even on vacation. If you are forced to return home because of a natural disaster at home, or the death of a loved one, trip interruption benefits can help you recover the costs of catching an emergency flight home. Benefits range from 100 percent of the insured trip cost with the Silver plan, to 150 percent of the insured trip cost with the Gold and Platinum plans.
Trip Delay: If your flights are delayed and force you into an overnight stay, trip delay benefits can ensure the costs don’t have to come out of your pocket. With a daily and trip maximum, this benefit gives you an extra budget when the unexpected happens. Trip delay benefits range from $100 per day and a $500 maximum with the Silver plan, to $300 per day and $1,250 maximum with the Platinum plan.
Emergency Medical Evacuation: If you get seriously sick or injured abroad and need to take an air ambulance home, do you know how you would pay the bill of $10,000 or more? Emergency medical evacuation benefits can help you not only book travel, but take care of the expenses as well. Benefit maximums range from $100,000 on the Silver plan, to $1 million on the Platinum plan.
Sports Benefits: Every skier or golfer knows there are only so many days in the calendar to play. If your trip gets delayed, you could miss a day or two on the slopes, or that hard-to-book tee time. Available only with the Platinum plan, travelers can recover $25 per lost ski day, $500 for lost golf rounds, or $1,000 on sports equipment rental.

Are There Additional Coverage Options?

For those who choose the Gold or Platinum plan, there are two optional benefits available to add-on. Travelers on both plans can add on a collision damage waiver for rental cars, while those on the Platinum plan can add a Cancel for Any Reason benefit.

Collision Damage Waiver: If you are driving in a country outside of North America, your auto insurance may not apply if you get in an accident. For a nominal fee, travelers can elect to purchase a collision damage waiver from AXA Assistance USA, which would cover accident damage to the vehicle. Those on the Gold plan can add a waiver with a maximum benefit of $35,000, while those on the Platinum plan can buy a $50,000 waiver.
Cancel for Any Reason: Only available on the Platinum plan, Cancel for Any Reason allows travelers to change their mind about taking their trips at any time, for literally any reason. In turn, travelers can recover up to 75 percent of their non-refundable insured trip cost. This option must be purchased within 14 days of making the initial trip deposit.

How to Buy AXA Assistance USA Travel Insurance

AXA Assistance USA Travel Insurance plans are available on the large travel insurance marketplaces, including Squaremouth.com and InsureMyTrip.com. You can also purchase AXA Assistance USA plans directly from the company at their website, www.axatravelinsurance.com .

To get a quote, you will be asked for some limited information about your trip, including:

Your state of residency
Departure and return dates
Date of first trip deposit
Total anticipated trip cost
Number of travelers and their ages

With this information, AXA Assistance USA will give you a quote for all three of their products. If you decide to purchase a plan, you will be asked to provide some personally identifiable information, including:

Address, city, state and ZIP Code
Phone number and e-mail

You will also need to pay for your insurance policy using a major credit card. AXA Assistance USA accepts American Express, Discover, Mastercard and Visa.

How Will I Get my Travel Insurance Documents from AXA Assistance USA?

Like other travel insurance companies, your insurance documents will arrive electronically via e-mail. The information specific to your plan, including your explanation of benefits, should arrive once the insurance plan is confirmed by the company.

AXA Assistance USA Online Security

Information sent on the AXA Assistance USA website is protected by a SHA-256 SSL certificate. The security certificate is issued by GoDaddy Secure Certificate Authority.

AXA Assistance USA Reviews and Ratings

Although AXA is a multinational insurance provider, their AXA Assistance USA travel insurance plans are not underwritten by their parent company. Instead, products are provided by Nationwide Mutual Insurance Company and affiliated companies, based in Columbus, Ohio. Insurance rating provider AM Best gives the company a financial strength rating of A+ (Superior), with a long-term issuer credit rating of aa- (Superior) and a stable outlook.

AXA Assistance USA is accredited by the Better Business Bureau , and holds an A+ rating with the nonprofit consumer advocacy group. The BBB has handled three complaints against AXA Assistance USA in the 12 months ending in February 2021, and a total of five complaints between 2016 and 2021.

At the travel insurance marketplaces, AXA Assistance USA holds a 4.5 rating out of five stars at InsureMyTrip.com, with 96 percent of travelers recommending their plans. Squaremouth.com users give the insurance plans a rating of 4.42 stars out of five, with only 37 negative reviews out of over 26,000 policies sold. The majority of complaints focused around the claims process, including the processing time and communications.

Pros and Cons of AXA Assistance USA

Three levels of coverage, offering a plan for every type of trip and budget
Cancel for Any Reason add-on available with the Platinum plan
Special coverage for sports vacations, including skiing and golf
Limited coverage options and maximums for low-budget travelers
Add-on coverage limited to Gold and Platinum plans
Cancel for Any Reason is an expensive add-on compared to other plans

Final Thoughts on AXA Assistance USA

For travelers planning an expensive trip to see the world, ski the greatest slopes, or play that once-in-a-lifetime round at an exclusive golf course, AXA Assistance USA offers plans that are tailor-made for their adventures. At their highest plans, AXA Assistance USA features increased benefit maximums and coverage options not found anywhere else, including non-medical emergency evacuation. For those who need extra benefits in the worst case scenario, you would be hard pressed to find better benefits than those found from this travel insurance provider.

Frequently Asked Questions

Is axa assistance usa good travel insurance.

Yes -- AXA Assistance USA is one of the most experienced travel insurance and assistance providers in the world, backed by over 100 years of proven results. Their products are underwritten by Nationwide Mutual Insurance Company and affiliated companies, which is one of the most stable insurance companies in the United States.

Does AXA Assistance USA offer coverage for COVID-19?

According to the company’s position statement, all policies purchased after Jan. 24, 2020 will not offer trip cancellation or trip interruption options related to COVID-19. However, coverage may still be available in the event of a trip delay, trip cancellation or trip interruption if you are forced to quarantine due to the novel Coronavirus.

Can I cancel my AXA Assistance USA policy?

If you decide you no longer want coverage from AXA Assistance USA, you may qualify for a full refund if you submit your cancellation request within 10 days from your effective date, so long as you have not started your trip or have submitted any claims.

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AXA Travel Insurance UK Reviews

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AOB111203307

Worthless Insurance. Pay your excess and spend hours filling forms and speaking to them in the phone. They didn't help me when I had a medical emergency with my children abroad when we had to call an ambulance and go hospital. Promised me a call back which I didn't get. Have so many clauses to save them paying you anything. Con artists just like the indian call centre scammers.

Date of experience : May 24, 2024

Reply from AXA Travel Insurance UK

We understand your frustration and disappointment regarding the experience you had. We sincerely apologise for the lack of support that you feel that you had received during your children's medical emergency abroad. It is regrettable that you did not receive the promised callback and that our policies caused inconvenience and frustration. We take customer feedback very seriously and are committed to improving our services. If you wish to make a complaint you can do so by contacting us on [email protected]

Worst insurance company ever

I took out insurance with this company November 2023, due closed terminals at Heathrow airport we missed our connecting flight, we incurred a £200 travel expense using public transport. After contacting this insurance company, they informed us that costs due to closed terminals are not covered. This is the worst insurance company I have ever used, I will never use them again, I am asking everyone to boycott this company. They really need to go out of business, if my review only stops ten people using them then it will cost them what they owe me, but please make it more than ten.

Date of experience : November 17, 2023

Beware their holiday insurance only really covers medical expenses

Bought ski holiday insurance for our £1800 holiday. After two hours on first day my wife fell and broke her collarbone. Contacted insurance company who were good in organising return to UK which took 3 days to organise. I had to look after her and obviously accompany her back to UK as she was unable to travel on her own, so my skiing holiday was similarly ruined. It took 8 weeks for the insurance company to offer a settlement. The only settlement they offered was for my wife only. Cost of flights was not covered and as crystal ski would not provide a cost breakdown they assumed that the charter flight had cost £400!!! each return, when any cursory look at scheduled flights showed return flights for a lot less than that figure. As a consequence the refund for a completely spoilt holiday for two people amounted to £460 plus medical expense for an £1800 holiday. They refuse to refund any of my holiday despite it would have cost them significantly more to accompany my wife back to the UK and had to look after my wife. This is absolutely not what you expect when you are insuring your holiday. So my point is beware, this holiday insurance may cover your medical expenses but very little else and do not expect a speedy settlement.

Date of experience : March 04, 2024

WORST COMPANY!

Horrible insurance company, will never use them again. Bought a travel insurance when booked a trip with Jet2 to Turkey. Impossible to claim any expenses, they make the process so hard that it is not worth running around and filling their paperwork. DO NOT RECCOMEND!

Date of experience : May 23, 2024

Thank you for taking the time to share your feedback with us. We understand your frustration and disappointment regarding the information that has been requested. Our Claims Department have requested that the medical certificate is completed in full by your GP to determine coverage. As per the Terms and Conditions on your insurance it is a policy requirement and we are unable to procced at this time until this has been provided. Once we have received this we will be more than happy to continue with the assessment of your claim If you wish to make a complaint you can do so by contacting us on [email protected]

Scam of a company

Been trying to put a claim in for weeks with no help or support from anyone. I bought my insurance through outbackers and when i ring up a company called Ceda answers and say i need to go to AXA, when i ring AXA they say i need to go back to Ceda. They keep passing me between the two companies and denying all responsibility. When i finally get through to someone on AXA and explain the situation and give my details they hang up the phone or say they are going to put me on hold and never come back. I was given 7 different numbers to call. After hours and days of ringing up i got through to a women who said i am no longer insured because i have not been home in 90 days when i paid for 8 months insurance. I asked her to show me where it says that on the policy as i have read the whole policy and it does not say this. I told her i wanted prove of this and to email me the link or screenshot and she replied with “i cannot email you on my work email or i will lose my job”. So have i been traveling with invalid insurance? Have they updated their policy without warning me or agreement from me? I paid outright so have now lost out on hundreds of pounds and sat here with medical bills i believed i could claim back. Fraud. I will be seeking legal action. Emailed the complaints team and no reply.

Date of experience : May 08, 2024

Thank you for taking the time out to share your feedback with us. We are very sorry we haven't lived up to your expectations and that you are unhappy with the service received. If you wish to make a complaint you can do so by contacting us on [email protected]. Alternatively if you would like to speak with a representative, you can locate our contact numbers within the policy wording where we will be more than happy to assist further.

Still waiting response to claim from 15/2/24

My travel claim was initially submitted on 15/2/24 I spoke with a person named Andrew and a person named Dorcas. My emails to gwclaims @ axa-travel-insurance have been ignored, I have received read receipts but no response.

Date of experience : February 15, 2024

Thank you for taking the time out to share your feedback with us. I am really sorry to hear that you have not received a response. Rest assured that I have escalated this matter with the appropriate team and you will be hearing from them shortly with an update

Company ignore you

Completely ignore you once you have submitted a claim, submitted all requested info, called after the promised resolution date and was advised I would be contacted later that day or the next, but still no response. *Update* 48hrs later and still no contact, do you treat all your customers this poorly?

Date of experience : May 17, 2024

Thank you for taking the time to leave a review. I am really sorry to hear this. Rest assured that I have escalated this matter with the appropriate team. You will hear from them shortly

This company refuses to pay out

This company refuses to pay out. It keeps telling you that they need more information, you call them up and show them you’ve provided information, they then say ah yes this will now take 5-10 days to pay out, then 5 days later you get another email saying they need more information. They have done this now to me 5 times, I have issued complaint and nothing is happening. Do not use axa under any circumstances if you expect to be paid for a claim. They will just keep stringing you along!

Thank you for taking the time to leave feedback. Our team is actively working on your case, and our Claims Department will be in contact with you shortly with an update. I note that we have a complaint registered and this will be investigated by one of our skilled complaints investigators within 8 weeks. We genuinely value your business and want to ensure that your concerns are addressed promptly. Please accept our sincere apologies for any inconvenience caused, and we will do our utmost to rectify the situation

Cant even fill out their online forms

Cant even fill out their online forms, keeps saying error and try again, crookes and scammers as you can see by the other reviews. I actually purchased insurance with tesco not realising this is the company they work with so avoid both!!!!

Date of experience : May 15, 2024

We sincerely apologize for the frustrating experience you encountered while trying to fill out our online forms. We understand how important it is to have a seamless and user-friendly process, and we deeply regret that you faced technical difficulties. Please be assured that I have escalated this matter with the appropriate team and requested that they contact you to resolve the issues that you are facing. You will hear from them shortly

Its cheaper to not insure yourself

They seem to have just ignored my claim and expenses of hotel bookings missed, additional flights booked to get to the destination due to weather issues and tried to offer me £40. Not even enough to cover food at the airport. Avoid this company at all costs. Please rectify this abysmal settlement offer.

Date of experience : May 13, 2024

Thank you for taking the time to leave review. Having looked into your case I understand that you have spoken to our Claims Department yesterday and they have escalated this matter for you. You will be hearing from them shortly with an update.

Stranded during a crises

If you’re buying insurance to put your mind at ease for times of crises, don’t trust AXA. You may think AXA is reputable being a large name but please DO NOT buy insurance underwritten by AXA. They are absolute scammers. Multiple emails, phone calls and evidence provided and our claim is still not approved. We were left stranded in a connecting destination due to a cyclone and had to book a hotel and new flights (extreme weather is covered by the policy)… but claim still not approved and incompetent agents are not responding to direct questions via email. Note, they actually verbally approved claim on the phone, but ignore this each time I point it out. Now they are just unresponsive!

Date of experience : December 16, 2023

Thank you for taking the time out to share your feedback with us. I am really sorry to hear this. I have escalated this matter with the appropriate team. You will hear from them shortly

Calim not Settled

HI i never Recommended this company. ALL rubbish Actually i have very bad experience i loss my baggage before 2 months i make a calim they never contact with me every time i ring them they every time said more 10 days . Very bad please don't buy .i am waiting more then 2 months my calim no have any updates. Don't trust them. They send me Emails before 3 day said end of thais week then i don't have any update i call back them they said to me day 24.05.24. Again for next week. Please don't trust.. ...

Date of experience : May 21, 2024

We apologise for the frustrating experience you've had with your baggage claim. I understand that you have spoken with our Claims Department today and they have confirmed that you will be hearing back from them this week with an update. I also noted that you have raised a complaint and would like to reassure you that one of our skilled complaints investigators will be looking into this for you and will be in contact to discuss our findings once the investigation has been carried out

I am still awaiting to hear back

I am still awaiting to hear back, it states on my claim now that it's approved (not sure what this actually means though) put my claim in on the 1st may.

Date of experience : May 01, 2024

Thank you for your feedback. Our records indicate that your claim is pending approval and one of our Claims Handlers did try to contact you by telephone earlier on today to advise you of the process however, we were unable to reach you. Please be assured that our team is actively working on it, and your claim is in the final stages and pending approval you will receive a settlement letter via email explaining the timescales involved to receive the funds into your nominated account. If there are any issues we will be in contact with you. Thank you for taking the time to leave a review.

Website has lots of error messages and…

Website has lots of error messages and it doesn’t let you submit a claim whilst abroad… There is also no email address to contact or alternative way to make a claim. After searching for hours I found an email address, they rarely replied and simply stated there was nothing they could do and I had to call them (which I’d explained I couldn’t do due to being on the other side of the world).

Date of experience : April 19, 2024

Thank you for your recent feedback. We are sorry to learn of your experience and apologise if you feel that we’ve let you down. If you wish to make a complaint you can do so by contacting us on [email protected]. Alternatively if you would like to speak with a representative, you can locate our contact numbers within the policy wording.

Corrupt company

Corrupt company. Took 6 months to process my claim, despite me sending about 100 receipts recorded delivery. Couldn't access their online website. Claims handler promised to send a link and then didn't. Kept delaying the claim, asking for information that they had already received. At one point sent out a form asking if I had employed a solicitor (why would they need to know?) Very poor communication. Caused a high level of stress. Only paid up with the real threat of legal action. If I had been more vulnerable, then I wouldn't have received a penny. Horrible, horrible company. I did at least get the money, but it was a terrible, stressful, time-consuming experience. Would actively avoid any contact with them in future.

Date of experience : August 20, 2023

Thank you for taking the time out to share your feedback with us. I am really sorry to hear this. If you wish to make a complaint you can do so by contacting us on [email protected]. Alternatively if you would like to speak with a representative, you can locate our contact numbers within the policy wording.

GB1-23-304046 - Ombudsman

GB1-23-304046 I wasn't going to write a review but just having a look at all the negatives on now I just have to give my side of the story previously used Axa and I've had a good experience even though last been a couple of years ago however this is truly been shocking And generally annoying. Has been one call handler that I've spoken to who has been very sympathetic and understanding and really helped but I have to say they're serious flaws in the process and how about a claim is made. I flew out to Dubai November 2023 on the way on the plane I had extreme back pain I wasn't able to sit on the plane what had happened is? I had two herniated discs in my back. I was unable to do anything on holiday and I pre-booked itinerary while they're my son who is 2 also was ill coughing, vomiting & diarrhoea et cetera. Luckily, the hotel had a pharmacy so they able to get him medication. I was able to see a chiropractor at the hotel Doctor was called in. I made the claim on my return after a week as I was still in pain. I've seen a GP and a private chiropractor who confirmed the diagnosis to which I've had letters for which I've supplied to Axa. I've also supplied all all my receipts invoices bank statements for the purchases of medication in Dubai this was done on the initial application of the claim. Since then I've probably sent 30 emails back-and-forth numerous calls where more information is requested such as an invoice for the Hotel for the doctor or pharmacist even though on my bank statement this is listed. I've even sent an email from the Hotel manager to state that they do not issue invoices from their pharmacy in the hotel, I've also provided email from the itinerary company to state that I didn't visit any of the attractions on the date they were unable to cancel as they don't have a cancellation policy and they can confirm the tickets were not used. This has been communicated to me in terms of payment or what the next steps are. I just get this will be looked after but the claim is now seven months old. I appreciate these things can be complex but when you read the above and you see that someone's going above and beyond trying to get everything to make a claim you have to think is it worthwhile. Because I keep getting an email back saying is required I get to the point where what else do you need? Medical records of avoided? You've got dates? You've got bank statements you got invoices? What more is needed? Surely this should be reported to the financial ombudsman. You can't see what you've submitted through so I can come back to you and say you don't provide this receipt when you have actually and I've sent them multiple times. Surely I would be paid for my activities on the itinerary the cost of my medication and care afterwards and my sons, I would even go as far as to say because I did nothing on the trip. I should be able to claim for my travel costs because I've even provided a letter from the travel agency to state this could not be cancelled. The reason why why couldn't be cancelled is because it happened to me on the flight going over. I really want someone to process the claim. Look at what's there? So the case can be closed and I can be compensated.

Date of experience : November 14, 2023

We value your feedback and take customer satisfaction very seriously. Your concerns have been escalated to the appropriate department and they will be in contact shortly to discuss your claim with you

Do not insure with AXA its a Con

If you pay money to this company, it us worse than not being insured. Not only will they refuse to settle the most simple and straightforward claim, but they will waste your time. Their complaint team work to a 40 day response timescale. Cases are pushed into the long grass by spurious requests for unnecessary documentation and weeks /months go by without progress.

I am extremely sorry to learn that you are dissatisfied with the way in which your claim has been handled. I understand that our Claims Department have been in contact recently with you to explain the current process and will be in contact with you shortly with an update. I also noted that a complaint has been registered and can confirm that we will be conducting a thorough investigation into your concerns and we will contact you again as soon as we have completed our investigation. We would like to reassure you that we do attempt to complete all investigations as quickly as possible; however sometimes our investigations may take slightly longer than we had anticipated. Please note, as per the Financial Conduct Authority guidelines, we have 8 weeks to complete our investigation from the date the complaint was received.

Claim submitted on the 29/04 by phone…

Claim submitted on the 29/04 by phone as I couldn't register online. On the 09/05 an email suggested I needed a PMH from my Dr but I couldn't get AXA to send me the form. After calling on the 13/05 and speaking to Doka ( sorry if I have misspelled your name) I received an email later that evening confirming my claim had been agreed and the refund would be with me in 10 working days. 15/05 the money is my bank account. Wow, well done 👍.

It's great to hear that Dorcas was able to assist you promptly on May 13th, and we're delighted that your claim was approved and the refund was processed swiftly. Thank you for taking the time to share your positive experience with us. Your feedback is valuable in helping us improve our services and we will ensure that Dorcas receives the recognition that they deserve

Seems like AXA are an actual scam

Seems like AXA are an actual scam. I fell ill and could not make my holiday to Istanbul. Day before my flight my GP advised me not to travel. This was 4th April. I presented my claim and even included GP letter. This wasn't good for AXa. They asked me to get the GP to complete a 12 page document, including my 2 year medical history. I paid to get this done and have submitted this information. I am now being asked to get 2 years medical records via NHS online which is not available in Scotland and already been completed by the GP. I can see this being a total waste of time and money. Will definitely have to take them to financial ombudsman reading other people's reviews. Their main aim is to not pay out!

Date of experience : April 05, 2024

Thank you for your recent feedback. Having looked into your case I understand that you spoke with us yesterday and had the matter clarified and next stages advised. I can confirm that our Claims Department will be in contact with you shortly to discuss an update.

Broken suitcase

So BA break my suitcase but tell me to contact my travel insurance for compensation. AXA take so long to reply that I should go through BA that it now outside of BA's reporting window and I need it in writing that BA won't pay. I do that and now a week later, AXA want written confirmation that the suitcase can't be fixed. I've shown them photos of the damage and it is obvious the handle has been snapped and if it is fixed, it will just break again. I'm sure they think if they take forever to reply and make people jump through unnecessary hoops, that people will give up. Here's an idea, look after people's personal property properly and then you won't have a million claims to sort through!

Date of experience : May 03, 2024

Thank you for your recent feedback. We were sorry to hear that your suitcase became damaged whilst travelling with BA. I note that you had supplied us with your claims reference number so I have escalated this matter with the appropriate team. You will hear from them shortly.

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6 Best Travel Insurance with COVID-19 Coverage in Singapore (May 2024)

COVID-19 might be the last thing on your mind…but it could be the first thing to ruin your next trip. Whether you end up quarantined overseas or have to cancel the holiday entirely, there are plenty of ways COVID-19 could make a vacation go awry. And that’s before you consider things like lost luggage, flight delays , getting pickpocketed, and more.

Good news—there’s an easy way out. Before you jet off to your dream travel destination , don’t forget to buy travel insurance . Covering you for your potential travel disruptions, travel insurance is the next most important thing besides your flight ticket!

Most insurance providers have added COVID-19 coverage to their travel insurance plans, but to varying extents. Some have COVID-19 as an optional add-0n that you have to purchase. Coverage wise, some providers offer far better COVID-19 protection than others.

Find out how to choose, what to look out for, and the cheapest travel insurance you can buy with our comparison of the best travel insurance with COVID-19 coverage in Singapore and their ongoing promotions.

Promotions are generous this May 2024— you could even win a Rolex Oyster Perpetual 124200 34mm Silver (worth S$9,000) or a Samsonite Robez 68/25 EXP (worth S$550)—we’re giving away 1 every week!

Best Travel Insurance in Singapore with COVID-19 Coverage (2024)

Best travel insurance with COVID-19 coverage

Bubblegum Travel Insurance

FWD travel insurance
Starr travel insurance
MSIG travel insurance
Singlife travel insurance
Etiqa travel insurance
Cheapest travel insurance in Singapore
Does travel insurance cover COVID-19?
How do I choose the best travel insurance policy with COVID-19 coverage?
What do I do if I test positive for COVID-19 during or after travelling?

1. Best travel insurance with COVID-19 coverage

With the sheer number of travel insurance providers out there, it can be overwhelming to compare everything against everything else. We know that pain, because that’s exactly what we’ve just done. Wipe away those tears of exasperation— we’ve done the legwork for you and picked out the top 6 travel insurance plans in Singapore:

Why are these the top 6? We’ve compared them based on affordability, COVID-19 cover inclusion, emergency medical coverage, and trip cancellation coverage. (If you’re an adventure seeker, that’s more niche—refer to this article for all the best travel insurance for extreme sports and outdoor adventure instead.)

Ready to dive into the deets? We compared the coverage and prices of most popular travel insurance plans with COVID-19 coverage in Singapore. So if you’re looking for a specific type of coverage for your travel needs, e.g. high trip cancellation coverage, this is a better summary table for you to work with:

Note: All travel insurance options above are before promotional discounts are applied. Unless otherwise stated, all include COVID-19 coverage.

2. Bubblegum Travel Insurance

Bubblegum travel insurance is a great option if you’re looking for fuss-free, essential coverage at affordable rates. Bubblegum’s travel insurance model is simple, offering just 1 travel insurance plan. Here are its pricing and coverage benefits:

If fuss-free, essential travel insurance is your top priority, we think Bubblegum is a good option for you. Their travel insurance is all-inclusive with coverage for travel inconveniences like cancellations and delays, and also gives you coverage for COVID-19 related expenses at no additional cost.

If you’re a thrill-seeker looking at adventurous activities, Bubblegum Travel Insurance will also cover you for hot air ballooning, scuba diving and skiing, with no restriction on height or depth.

Bubblegum travel insurance promotion

Total Premium

[Receive your cash as fast as 30 days*] • Enjoy 10% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$25 via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent. T&Cs apply.

Key Features

Bubblegum offers just 1 affordable plan to suit all your travel needs to maximise your savings

Overseas medical expenses up to $150,000 SGD (Covid-19 sub-limit of $65,000 included)

24-Hour global Emergency Assistance services including Emergency Medical Evacuation and Repatriation

Covid-19 trip related cancellation/curtailment up to $600 SGD included

Adventurous activities like scuba diving and hot air ballooning are covered with no limit on depth or height.

Bubblegum is currently offering a 10% discount on all their travel insurance plans. That means you can cover a 7-day trip to ASEAN with just $38—about $5+ a day !

Truth is, the discount is even greater when you consider the fact that Bubblegum will also give you an eSIM and iShopChangi vouchers when you purchase Bubblegum travel insurance:

Eskimo Global 1GB eSIM with every policy purchased.
Up to S$25 via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.

Promotion valid till 31 May 2024.

3. FWD Travel Insurance

FWD travel insurance offers some of the cheapest travel insurance plans in Singapore, so this is a budget-friendly option which still offers you great value for every dollar. I like that coverage for emergency medical evacuation is unlimited for all tiers, and overseas medical expenses go up to a generous $1,000,000.

Here’s a quick run-through of the price and benefits offered by FWD travel insurance plans:

When you’re purchasing FWD travel insurance, the COVID-19 benefits are an add-on. The price of the COVID-19 add-on costs between $11 to $22 depending on the part of the world you’re travelling to. If you choose to add it on, it’ll give you comprehensive coverage of the following:

Trip disruption
Trip cancellation
Overseas hospital cash
Hospital cash while in Singapore
Medical expenses
Emergency medical evacuation and repatriation

The plan reimburses your travel-related expenses if you are diagnosed with COVID-19 no more than 30 days before your scheduled departure date, or if you have to change your itinerary because of a COVID-19 diagnosis while overseas. You also get to claim medical expenses and a hospital cash benefit if you get hospitalised overseas or for up to 14 days in Singapore upon your return.

On top of that, there’s also an automatic policy extension of up to 21 days should you be prevented from travel as per foreign government regulations due to:

You contracting COVID-19; or
You or your travel companion needing to be self-isolated due to being in close contact with someone diagnosed with COVID-19

Read the full T&Cs of FWD’s COVID-19 coverage .

FWD travel insurance promotion

[ Win a Rolex, Samsonite Luggage & More! | MoneySmart Exclusive] • Enjoy 25% off your policy premium • Get S$20 iShopChangi e-voucher and Eskimo Global 1GB eSIM with every policy purchased. T&Cs apply. BONUS: For a limited time only, there are over S$11,000 worth of prizes to be given away in our Grand Draw . Stand a chance to score: • 1x Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x Samsonite Robez 68/25 EXP (worth S$550) weekly Increase your chances of winning when you refer friends today. T&Cs apply

Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD SG app!

Add on coverage for COVID-19 available for both Single & Annual Trips for travel period of 90 days or less.

Optional add on coverage available when your trip is cancelled for any reason for Single Trips. (To be purchased within 7 days of your initial trip deposit for your trip).

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$150,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

Plan Highlights

Covid-19 protection, leisure activities.

Currently, you can take 25% off the prices for all FWD travel insurance tiers. That brings the rate for a 7-day ASEAN trip down to $25 to $43, or just $3+ to $6 a day !

Plus, receive S$20 iShopChangi e-voucher and an Eskimo Global 1GB eSIM with every policy purchased.

We haven’t gotten to the really good part yet. Purchase FWD Premium , FWD Business , or FWD First travel insurance and stand a chance to win over $11,000 worth of prizes in our Grand Draw ! Prizes include:

1x Rolex Oyster Perpetual – 124200 34mm Silver (worth S$9,000)
1x Samsonite Robez 68/25 EXP (worth S$550) weekly

Increase your chances of winning by referring your friends.

Valid till 31 May 2024.

4. Starr Travel Insurance

Starr’s travel insurance Starr TraveLead Comprehensive is a leader in terms of how customisable their insurance is. When signing up, medical coverage (including COVID-19 coverage) is automatically included in all plans, but you can choose whether or not you want to add trip coverage (e.g. document loss, travel delay) and baggage coverage (e.g. baggage delay). Then, you can also easily add riders for Golf Protection, Cruise Vacation, Scuba Diving, and Snow Sports.

Starr TraveLead Comprehensive comes in 3 tiers: Gold , Silver and Bronze . While all are pretty comprehensive (as the name suggests), we advise you go for at least Silver . This affords you $500,000 overseas medical coverage, as well as $30,000 medical coverage for COVID-19 and $250 coverage for COVID-19 related trip curtailments and cancellations. You won’t get the COVID-19 trip curtailment/cancellation coverage in the Bronze plan, which only offers $15,000 for COVID-19 medical coverage. Better be safe and go for Silver or Gold.

Here are the prices and coverage amounts for each tier. Prices are given with trip coverage included in the plan.

Note: Starr also has a travel insurance called Starr TraveLead Essential, which also comes in Bronze , Silver and Gold tiers. They look very attractive because of their low prices—for example, Starr TraveLead Essential Bronze costs just $20 for a 7-day trip to an ASEAN destination.

However, unless you’re on a really tight budget, I wouldn’t recommend these plans because of their more limited coverage. For example, while the Starr TraveLead Essential Bronze plan does cover you for $200,000 worth of overseas medical expenses (which is already the bare minimum), it doesn’t cover you at all for trip cancellation and loss/damage of baggage. Neither do the Silver or Gold tier plans.

Starr Travel Insurance promotion

Starr TraveLead Comprehensive Silver

[ Win a Rolex, Samsonite Luggage & More! | FLASH DEAL] • Enjoy 50% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$50 via PayNow OR 1 x Apple AirTag (worth S$45.40) and up to S$20 iShopChangi e-voucher with eligible premiums spent. T&Cs apply. BONUS: For a limited time only, there are over S$11,000 worth of prizes to be given away in our Grand Draw . Stand a chance to score: • 1x Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x Samsonite Robez 68/25 EXP (worth S$550) weekly Increase your chances of winning when you refer friends today. T&Cs apply

For Cruise to nowhere insurance: Find out more here

Flexible coverage allows you to create a travel insurance plan with different types of coverage and add-ons that can adapt to your needs

Overseas Covid-19 related medical expenses of up to $30,000 SGD included (Excluding China).

Covid 19 Trip related cancellation/curtailment up to $250 SGD included (Excluding China).

Covers Travel Expenses for return of Child(ren) during the hospitalisation of the insured person.

No sublimit or restriction on outpatient expenses and number of visits

24 hours Global Emergency Assistance Services help you when you need it most, connecting you with medical treatment and transportation

Seamless and Cashless claims via PayNow

Please note that travelling to Russia and Ukraine is not covered in Starr’s insurance with immediate effect.

With the ongoing 50% discount promotion on Starr travel insurance, prices are very affordable. Coverage for a week-long ASEAN trip is just $27 (under $4 a day), while a trip of the same duration to countries like USA costs $33 (under $5 a day).

Plus, you’ll receive attractive gifts when you buy Starr travel insurance on MoneySmart:

Get an Eskimo Global 1GB eSIM with every policy purchased.
Additionally, receive up to S$50 via PayNow OR 1 x Apple AirTag (worth S$45.40) and up to S$20 iShopChangi e-voucher with eligible premiums spent.

The best part? Purchase Starr TraveLead travel insurance of any tier and stand a chance to win over $11,000 worth of prizes in our Grand Draw ! Prizes include:

5. MSIG Travel Insurance

MSIG travel insurance is categorised into 3 plans— Standard , Elite , and Premier . The cheapest, basic plan still offers pretty adequate coverage in medical emergencies and trip cancellations or delays.

Here’s a quick run-down of the plan’s key benefits:

One more unusual area of coverage that MSIG includes is emergency dental expenses. You get $5,000 to $15,000 in coverage, depending on the travel insurance tier you select.

MSIG’s Areas A and B refer, roughly speaking, to ASEAN and Asia respectively. Here’s a more comprehensive list of the countries in each category:

Area A : Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam
Area B : Australia, China (excluding Inner Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan and including countries in Area A
Area C : Worldwide

MSIG Travel Insurance’s COVID-19 coverage is an automatic inclusion to its travel insurance plans and offers the following coverage:

Trip cancellation, postponement, shortening, disruption
Replacement of traveller
Overseas medical expenses
Emergency medical evacuation
Overseas quarantine daily cash allowance

This is quite a decent list of benefits, but do note that daily hospital cash allowance is missing from the list.

MSIG travel insurance promotion

MSIG TravelEasy Standard

[ Win a Rolex, Samsonite Luggage & More! | MoneySmart Exclusive] • For a limited time only, enjoy up to 55% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) and up to S$20 iShopChangi e-voucher with eligible premiums spent. T&Cs apply. BONUS: For a limited time only, there are over S$11,000 worth of prizes to be given away in our Grand Draw . Stand a chance to score: • 1x Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x Samsonite Robez 68/25 EXP (worth S$550) weekly Increase your chances of winning when you refer friends today. T&Cs apply

COVID-19 coverage of up to $150,000 medical cover and up to $1,500 travel inconvenience benefit for your trip protection.

Packaged tour coverage for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies).

Get covered across all TravelEasy Plan types with a high limit of S$1,000,000 for emergency medical evacuation & repatriation

MSIG provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies)

Currently, you can take 40% off all MSIG travel insurance plans with their ongoing promotion. That means your 7-day ASEAN trip now costs just $37 to $70 to cover compared to $62 to $116.

On top of the 40% discount, you’ll receive these goodies with your MSIG travel insurance purchase:

Get an Eskimo Global 1GB eSIM with every policy purchased.
Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) and up to S$20 iShopChangi e-voucher with eligible premiums spent.

You’ll also stand a chance to win big in our Grand Draw , which has over $11,000 worth of prizes up for grabs. These include:

6. Singlife Travel Insurance

Singlife travel insurance comes in 3 tiers— Lite , Plus , and Prestige . The price you pay and the coverage you’ll get increase with each plan.

Here are Singlife travel insurance’s key prices and benefits:

On top of the coverage above, Singlife also covers you for chiropractor and/or Chinese physician treatment : $250 ($50 per visit) for Lite, $500 ($75 per visit) for Plus, and $1000 ($100 per visit) for Prestige.

As far as COVID-19 coverage goes, here’s a quick run-down:

Emergency medical evacuation, repatriation
Overseas quarantine allowance
Trip cancellation, postponement, interruption

While Singlife travel insurance’s coverage for non-COVID medical expenses, travel delay and trip cancellation is comprehensive, we have to dock some points for the lack of overseas hospital cash allowance and pretty low COVID-19 trip cancellation coverage.

Also, do note that the lowest tier, Lite, doesn’t come with certain coverage, such as trip cancellation or postponement for any reason and COVID-19 overseas quarantine allowance.

Singlife travel insurance promotion

Singlife Travel Plus

[Receive your cash as fast as 30 days*] • Enjoy 25% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$30 via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent. T&Cs apply.

Covers trip cancellation and trip curtailment for any reason, T&Cs apply.

Covers trip interruptions or cancellations due to COVID-19 and cover your medical treatment should you contract COVID-19 whilst overseas and in Singapore.

Coverage for loss of frequent flyers points, hotel points & credit card points.

Payout of S$100** should your trip be affected by excessive rainfall.

**For single trips (minimum 3 days) where more than 50% of trip duration is affected by rainfall levels of >6.4mm in a 24-hour period.

Seamless claims experience with PayNow

It’s a win-win situation—get 25% off your Singlife travel insurance premiums with these goodies thrown in:

Get an Eskimo Global 1GB eSIM with every policy purchased.
Additionally, receive up to S$30 via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.

7. Etiqa Travel Insurance

Do you hate making travel insurance claims? I do. That’s why when a friend of mine told me that you don’t need to make any claim on Etiqa to receive compensation for your flight delay, I was very intrigued.

I’ve been fortunate—all my recent flights have left on time. But from what I’ve heard from friends who weren’t as lucky on their recent travels, it’s true that Etiqa has the most seamless claim process for flight delays . All you need to do is enter your flight details when purchasing your insurance. Etiqa will monitor your flight and know if your flight is delayed (to count as a delay, it needs to be pushed back at least 3 consecutive hours). If that happens, they’ll transfer money into your Etiqa TiqConnect eWallet—even if you don’t submit a claim! You can then encash that sum via PayNow.

On top of this travel delay claim benefit, Etiqa also provides flight check-in reminders and baggage belt collection details via SMS when you land. I experienced this myself when I bought Etiqa’s travel insurance for my trip to the UK this year. Now that’s what I call service.

Etiqa’s travel insurance is called Tiq Travel Insurance and comes in 3 tiers: Tiq Entry , Tiq Savvy , and Tiq Luxury . Here are their costs and coverage components:

Tiq Entry is sufficient to give you essential coverage for travel disruptions. But if you’ve just a little more to spend, go for Tiq Savvy . This will more than double your coverage limit for overseas medical expenses from $200,000 to $500,000 for just an additional $5 a week—that’s less than $1 a day.

[MoneySmart Exclusive | FLASH SALE] • Enjoy 45% off your Single Trip policy premium and 80% off Covid-19 add-on for Annual Plans. T&Cs apply • Get S$10 iShopChangi e-voucher with every policy purchased. T&Cs apply. New to Tiq? Get FREE Travel Insurance (worth S$30) from Tiq. T&Cs apply. [Etiqa's 10th Year 2024 Grand Draw]

Stand a chance to win S$10,000 cash or a Singapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth S$173) with eligible Etiqa/Tiq by Etiqa plans purchased. T&Cs apply.

Comprehensive COVID-19 add-on, protecting you before, during and after your trip

Covers Cruise to Nowhere

Get paid upon a 3-hour flight delay, even without submitting a claim

Instant claims encashment via PayNow

24-hour worldwide emergency travel support

The only disadvantage to Tiq travel insurance is that COVID-19 coverage is not included in the base price and you’ll have to pay for their optional COVID-19 Add-On to be covered. Some people might say this is an advantage—it gives you a greater degree of flexibility to decide if you want to have COVID-19 coverage or not, especially as COVID-19 becomes less and less prevalent. However, the fact remains that you need to pay extra for it compared to travel insurance plans where COVID-19 coverage is already included.

Here’s how much the COVID-19 Add-On will cost for a 7-day trip:

Costs are based on quotes generated on Etiqa at time of publishing.

To be covered for travel disruptions and medical expenses related to COVID-19, you’ll need to add the costs above to the base Tiq travel insurance prices.

Etiqa travel insurance promotion

Comprehensive Covid-19 add-on, protecting you before, during and after your trip

Enjoy 40% off Tiq Single Trip Travel Insurance plans —that means your week-long ASEAN trip now costs just $23 instead of $39 under Tiq Entry.

Getting annual travel insurance instead? Get 60% off the COVID-19 add-on for Annual Plans!

From now till 15 Aug 2024, purchase Tiq travel insurance to enter Etiqa’s 10th Year 2024 Grand Draw . 5 lucky winners will walk away with $10,000 cash , and 150 will receive a S ingapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth $173)!

8. Cheapest travel insurance in Singapore

When I buy travel insurance, I don’t really care whether the insurer has 900 years of experience or if the plan comes with extra coverage for Chanel bags. Just give me the cheapest travel insurance plan can l iao !

If that sounds like you too, you’ll be glad to know we’ve done the legwork for you. After assessing the most popular travel insurers in Singapore, the honour of cheapest travel insurance in Singapore goes to… FWD travel insurance .

FWD Premium

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$50,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

But as the old saying goes, you get what you pay for. Will you regret being a cheapskate and lose out on important coverage if the only number you look at is the price?

In a way, yes. Because FWD travel insurance is only the cheapest option with 2 caveats.

Firstly, travel insurers have limited-time discounts all the time. This is no secret. It does, however, make it difficult to compare prices when an expensive plan is on 40% off but a cheaper one is on 10% off. That’s why for the table above, we compared base prices without discounts .

But when you take into account promotional prices, which plan is the cheapest? There’s no need to open a million tabs to compare every travel insurance plan out there. Just use our travel insurance comparison tool with the “Lowest Price” filter on. You’re welcome!

The second caveat is this: FWD came out the cheapest when we looked at its price without its COVID-19 add-on. If you’re looking for a travel insurance plan that includes coverage for disruptions due to COVID-19 (which you should!), the real winners are Amex travel insurance and Singlife travel insurance .

Singlife Travel Lite

Covers trip interruptions or cancellations due to COVID-19 and cover your medical treatment should you contract COVID-19 whilst overseas.

Covers rental vehicle excess up to S$500.

Payout of S$50** should your trip be affected by excessive rainfall.

At the end of the day, ask yourself what specific travel insurance coverage you want to have, and assess the travel insurance options to find one that suits your needs.

Need some help? Read our travel insurance guide to understand all you need to know about choosing the best travel insurance. Don’t forget to use our travel insurance comparison tool to seamlessly compare plans across different providers in Singapore. We also have a comparison tool for travel insurance in Hong Kong !

9. Does travel insurance cover COVID-19?

When the COVID-19 pandemic started, most insurers did not extend their coverage to COVID-19-related mishaps. (Read more here .) The pandemic was quickly considered a “known event”, which insurers usually do not offer compensation for. So, if your flight got cancelled because of COVID-19, you’d be out of luck trying to get your insurance claims approved.

Now that practically all travel restrictions are lifted, insurance companies are rushing for a slice of the pie. Since the virus looks like it’s here to stay, most insurers are offering coverage that includes specific benefits for COVID-19. Where COVID-19 benefits aren’t already included in the policy, insurers offer an optional COVID-19 rider you can pay for to add on to the existing regular coverage.

Read your policy documents carefully to see if COVID-19 is covered, and add it on if you need to.

10. How do I choose the best travel insurance with COVID-19 coverage?

COVID-19 coverage can vary quite a bit from insurer to insurer . When you’re shopping for the best insurance policy, there are 4 things you want to look out for when it comes to choosing the best travel insurance with COVID-19 coverage:

Medical expenses coverage

Do note that the plans still exclude travelling against a travel advisory put in place by the Singapore government or by the local authority at your trip destination. Meaning, if your destination country goes on red alert for COVID-19, visitors are highly likely to come into contact with the virus and your insurance is highly likely to reject any COVID-19 claims. So be sure to check announcements on both ends before you depart.

Another common exclusion is failing to take precautions against COVID-19. This is worded kinda vaguely in those lengthy insurance policies, but could include not following any COVID-19 regulations at your destination or on the plane. So make sure you wear your mask whenever it’s required (or even when it’s not, if you want to play extra safe) and don’t attend any illegal raves.

11. What do I do if I get COVID-19 during or after my travels?

First of all, when booking your trip, you should retain all receipts, tickets and itineraries in case your trip has to be cancelled or altered.

At the first sign of a COVID-19 infection or related travel disruption, you should call your insurer and ask for guidance. Many insurers maintain a 24-hour hotline for travel claims. Save that number before you depart Singapore so that you aren’t stuck somewhere without wi-fi or 4G to Google the hotline.

To make a claim , you will usually have to submit your insurer’s form with supporting documents by the deadline mentioned in your contract (usually 30 days). Don’t wait until you’re back in Singapore to check which documents you need.

If you catch COVID-19 while you’re in Singapore , you will likely have to submit the results of a PCR Swab Test or Antigen Rapid Test conducted at a clinic or hospital.

It gets a bit more complicated if you’re overseas . The insurer will likely require documentation from the hospital as well as a doctor’s letter stating that you are unfit to travel and/or recommending treatment.

If you need to be quarantined overseas , you should make sure you have a quarantine order from the government, otherwise you may not be able to claim for quarantine allowance. Remember to ask for this as not all countries automatically issue such documentation.

ALSO READ: COVID-19 Travel Insurance Claim Guide

Planning to get travel insurance for your next trip? Learn how to claim for COVID-19 here!

About the author

Vanessa Nah is a personal finance content writer who pens articles on the ins and outs of travel insurance, the T&Cs of credit cards, and the ups and downs of alternative investments. She’s a researcher at heart and leaves no stone unturned when it comes to breaking down complex finance concepts and making them easy to understand for the everyday Singaporean. When Vanessa’s not debunking finance myths, you’ll find her attending dance classes, fingerpicking a guitar, or (most im paw tently) fulfilling her life mission to make her one-eyed cat the most spoiled and loved kitty in the world.

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Cruise Packing List - Pack Smart for Your Cruise

Your essential guide to what to bring on a cruise.

Categorize your packing into sections like clothing, toiletries, electronics, and medications to avoid overpacking and last-minute scrambling.

Consider buying nifty little things that can enhance your comfort on a cruise, like extension cords, travel-size laundry kits, and wrinkle-release sprays.

Look into cruise travel protection plans for extra security and safeguard your travel in case of lost luggage, trip cancellation, or medical emergencies.

Unlike a traditional vacation, where a quick dash to the store solves any packing faux pas, a cruise demands a more strategic packing approach. That’s because, on a cruise trip, you’ll be surrounded by breathtaking ocean vistas, not the convenience of a nearby store to remedy a forgotten essential.

This cruise packing checklist will ensure that you have everything onboard to transform your cruise into an unforgettable escapade. From essential documents to clever must-haves, get ready to set sail, fully prepared.

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Things to Consider When Packing for a Cruise

Travel with confidence (and style) with these packing considerations for your upcoming cruise.

Double-check the baggage rules

Cruises often involve flights, so you'll need to follow both your airline's and cruise line's baggage limitations. Don't forget to factor in any weight restrictions for both checked and carry-on luggage as well.

Destination climate and activities

It is a no-brainer that your cruise packing list depends on where you're going. Are you boarding the cruise to the sunny Caribbean or the glaciers of Alaska? Both have pretty different packing scenarios, right? Knowing the climate will help you pick the right clothing.

Length of your cruise

A two-week odyssey would require a more streamlined approach than a weekend getaway. For longer cruises, consider outfit repetition and also mix and match different pieces. A shorter trip gives you room to create a more elaborate selection of wardrobes. Consider wrinkle-resistant and quick-drying fabrics to reduce laundry needs, which can be expensive onboard. Or else, you may also carry a mini laundry kit to freshen up clothes in a pinch.

Get The Right Kind of Bags

Before discussing what to pack for a cruise, let’s figure out what you are packing it into. Here are different types of bags you may consider for your cruise trip.

Carry-On: Choose a carry-on that meets airline size limits and features pockets for essentials like medications, travel docs, and a change of clothes for easy access during your trip.

Day Bag: A day bag is meant to carry along your everyday essentials for shore excursions or exploring onboard while keeping your hands free. Choose a comfy backpack, tote, purse, or money belt based on comfort, function, and what you plan to carry.

4-Wheel Spinner Suitcase: Consider a four-wheeler suitcase that makes it easy to navigate crowded terminals and ship hallways. You may also look for a built-in TSA lock for added security and expandable compartments.

Beach Bag/Wet Bag: Choose a spacious, preferably mesh or water-resistant material tote bag to carry towels, sunscreen, snacks, etc. Plus, a bag with a separate compartment for wet items could be very convenient.

Now, let's pack and fill these bags with everything you need for an unforgettable journey.

What to Bring on a Cruise in Your Carry-On

Think of your carry-on as your "just-in-case" bag. It could be your lifeline for the first few hours of your cruise and potentially longer if your checked luggage gets delayed. Here are some of the most important things to pack for a cruise in your carry-on.

Pack a change of clothes, essential medications, travel documents (including passport and any visas), and travel-sized toiletries for a quick refresh upon arrival. The bonus carry-ons can be selected or dropped on the basis of the space available and your personal preferences.

You may also bring wine or champagne in your carry-on luggage on a cruise, but there are restrictions and policies to consider. Typically, one sealed bottle of wine or champagne per person at embarkation. And, of course, don’t forget to pack a corkscrew too.

Essential Documents (Keep them Accessible Yet Secure)

Let’s talk paperwork. Yes, it's a not-so-fun part, but having these documents in order is super important for smooth sailing during embarkation. Here's a rundown of the essential documents you would need for your cruise.

Absolutely Essential

Valid Passport : First things first, your passport might be essential for smoother embarkation and lets you explore foreign ports freely. Make sure it's valid for at least six months after you plan to return.

Visas : Depending on where your cruise takes you, you might require visas for specific ports of call in the countries along your route. If needed, obtain the necessary visas well in advance to avoid any delays or denied entry.

Cruise Essentials

Key Travel Documents : Beyond your passport and visa, there are other essential documents you can't leave home without. Confirmation emails for cruises, hotels, and flights, along with any printed boarding passes, are essential. Double-check you have them packed before departure.

Travel Insurance Documents : You've likely done your research and chosen a great travel insurance plan for your cruise – that's excellent planning. To ensure you're fully covered, pack your travel insurance documents and keep them somewhere you can easily find them if needed.

Medical Insurance Card : Include a copy of your health insurance card or other medical documents that might be helpful on the trip. It is also a good idea to research any medical care you may need before leaving.

Photocopy key documents (both paper & digital) and store them separately from the originals. Also, keep a list of emergency contacts (credit card companies & home) on hand.

With all your documents organized and easy to find, you're practically boarding the ship.

Cruise Packing List for Clothes

Now comes the fun part: choosing which fabulous outfits will join you on your cruise (or maybe a shopping spree is in order?)

Here are some important clothing options to consider when packing for your unforgettable cruise adventure:

Even if you forget something, no problem. Most cruise lines offer a rental service, so you can still look sharp for the occasion. Also, while packing light is ideal, research onboard laundry service costs to see if a few extra outfits are worth the convenience.

Comfort Footwear

Don't forget your feet. The right footwear will compliment your cruise outfits and ensure comfort throughout your trip. Consider carrying a pair of:

Walking Shoes
Dress Shoes
Flip-Flops or Sandals
Water Shoes

Opt for versatile footwear; for example, a pair of stylish sandals could work for both poolside and casual evenings. Also, since cruise decks can get wet, pack shoes with good tread.

Packing enough comfortable socks might seem obvious, but it's an easy item to forget. Pack enough pairs for your entire trip to keep your feet happy throughout the cruise.

Medication and Preventive Care

Cruises offer the perfect mix of relaxation and adventure. To ensure a smooth and enjoyable experience, prioritize your well-being by packing these essential items.

Pack Your Prescriptions Pack enough of all your prescribed medications for the entire trip, plus a few extra days as a buffer for any unexpected delays. Keep them in their original labeled containers for easy identification during security checks.

Personalized First Aid Kit Build a personalized kit with essentials like band-aids, antiseptic wipes, and pain relievers. Consider adding allergy medication, antacids, and motion sickness medication if needed.

Sun Protection Sun can be quite unforgiving, especially if you are cruising in the tropics. And, based on whether you are planning on underwater activities, go for reef-safe sunscreen with SPF 30 or higher. Don't forget an after-sun remedy like aloe vera gel to soothe any potential sunburn.

Gadgets and Equipment

Your smartphone might be great at multitasking, handling calls, photos, texts, entertainment, and more. But consider a few additional gadgets for a better experience in your cruise packing list:

Portable Charger
Universal Adapter

Pro Tip : Download any necessary apps (like the cruise line's app, maps for ports of call, etc.) beforehand for offline access if needed.

Here are some must-have toiletries you may consider for a comfortable experience onboard:

Basic hygiene essentials : Facial cleanser, moisturizer, deodorant, Q-tips, cotton balls/pads, perfume or cologne, nail clippers
Oral care : Toothbrush, toothpaste, dental floss
Shaving supplies : Shaving cream and razor (if applicable)
Personal care : Makeup and hair care products you typically use
Feminine hygiene : Pack enough to last you for the duration of your cruise (if applicable)

What to Do if Your Baggage is Lost or Delayed on a Cruise?

No one wants to lose their bags, but sometimes things happen beyond our imagination. By staying calm, taking action, and having a plan, you can reduce the inconvenience of such a situation.

For starters - protect yourself against baggage loss with cruise travel insurance , even before you board the ship. Look for plans that specifically include coverage for baggage loss, delay, theft, or damage.

Also, coverage limits may vary significantly, so choose a plan that offers sufficient protection for your belongings. For instance, AXA’s Travel Protection plans offer tiered coverage options. The Gold Plan extends baggage loss coverage up to $1,500, while the Platinum plan can go up to $3,000. First, assess the value of your belongings and then choose a plan that offers sufficient financial protection.

If your bag indeed goes missing:

As soon as you realize your bag is lost or delayed, follow these steps.

You must pack your carry-on with your cruise essentials, like a change of clothes, medications, and toiletries. So even if your checked luggage is delayed, you’ll have some backups.

Plus, you can further protect your cruise trip with additional coverages, like:

Medical expenses It covers any unexpected doctor visits or treatments on board or on a port of call.
Trip cancellation or interruption . In the event that you have to cancel or cut short your trip for a covered reason, you’ll get reimbursed for pre-paid bookings.
Missed connection . If you miss your connection to the cruise due to a covered reason, this coverage can help pay for costs to get you to the ship or back home.

To know more about how to file a claim or choose the most suitable travel protection plan for your cruise, you may contact AXA’s travel insurance specialists .

FAQs Related to Cruise Packing List and More

Q. are there any specific packing tips for travelers with dietary restrictions or food allergies.

Bring your own snacks you know are safe to eat. Avoid relying solely on ship options. Cruise lines often have allergen info online. During shore excursions, take the help of staff & dining crew to pack yourself allergy-safe meals.

Q. What are some alternatives to bringing alcohol on a cruise?

While passengers are often permitted to bring a limited amount of wine or champagne per person at embarkation on many cruise lines, other sorts of booze are prohibited on board. Those looking for a similar experience can explore zero-proof cocktails and non-alcoholic beverages.

Q. How can I pack efficiently for a cruise with multiple destinations and varying climates?

It is suggested to pack for the hottest and coldest destinations first. Then, build layers for in-between climates. Go for versatile pieces you can mix and match. Also, tailor your packing list closer to the departure date based on specific forecasts for each destination.

Q. Are there any specific packing considerations for families traveling with young children or infants on a cruise?

You would want to pack enough diapers, wipes, formula (if applicable), and baby food for the entire trip, plus extras in case of delays. Carry a few of your child’s favorite toys, books, and activities to keep them entertained during travel and onboard. Check the cruise line’s website or contact them to know about options for renting out cribs or highchairs onboard.

Q. What are some essential items to pack for specific cruise activities like snorkeling or hiking excursions?

Look into specially designed reef-safe sunscreen and sunglasses. Although you can rest snorkel gear (mask, fins, snorkel), it is advisable to bring your own for a proper fit and hygiene. Invest in some good water shoes that provide a good grip on slippery rocks or coral reefs. Also, pack a tube of rash guard in your first aid kit, as fins or buoyancy vests may cause chafing.

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AXA cited anew as ‘trusted brand’ in PHL

Roderick L. Abad
May 30, 2024
3 minute read

AXA Philippines has consistently enjoyed the confidence of Filipinos as it emerged victorious anew in the prestigious Reader’s Digest Trusted Brands Awards 2024.

Presented by Reader’s Digest Retail and Sales Advertising Director for Asia Pacific Sheron White, the company was recognized for the second time around in the Travel Insurance category with a Platinum Seal. It received a Gold Seal in the same segment in 2023.

Such achievement is attributable to Smart Traveller, which includes coverage for loss or damaged baggage, flight delays, personal accidents, and emergency medical expenses. Also, it’s Schengen-accredited with 24/7 travel assistance and the highest medical coverage for emergencies for up to P3.5 million, anywhere in the world.

Golden harvests

THE insurer was also feted with Gold Seals for both Health and Life Insurance categories.

This was the second consecutive year for the former segment, thanks to its medical plan, Global Health Access, that provides best-in-class, worldwide coverage for both treatment and executive check-ups that take a comprehensive look at the plan holder’s physical health, including diagnosing critical illnesses. It also offers health coverage of up to P175 million. An affordable local health plan, Health Care Access, gives up to P5 million coverage for hospitalization, outpatient, emergency as well as preventive care needs.

AXA also offers critical illness plans such as Health Max, Health Start, and Health Start Lite—each tailored to specific needs and covers major and minor conditions. These offerings provide cash benefits for treatment and income loss, allowing the insured and their family to focus on full recovery.

For the first time, the firm earned a Gold Seal for the insurance category, with its all-around insurance plan, MyLifeChoice, aimed at giving breadwinners all the financial protection they need as they pursue their multiple responsibilities, sans the need to sacrifice one goal over another.

Cash benefits

It comes with life insurance coverage that has cash benefits in the event of the insured’s untimely demise, accident and disability coverage, and critical illness coverage that prepares individuals for financial setbacks. On top of everything, this plan opens investment opportunities to help them build funds that can support their long-term goals.

“We are truly proud to be consistently recognized by Filipino consumers as a trusted brand,” said Nandy Villar, chief marketing officer at AXA Philippines. “These awards are an affirmation of the work we are doing to fulfill our commitment to delivering exceptional customer service and innovative insurance solutions that reflect our purpose to act for human progress by protecting what matters.”

The Reader’s Digest Trusted Brands Awards is conducted entirely by third party, Catalyst Research. Its survey is answered by a large sampling of real consumers, with thousands of Filipinos across the country participating.

The Philippines is one of five countries in the region surveyed, the others being Singapore, Malaysia, Hong Kong, and Taiwan. The survey is done on 45 brand categories, cutting across a broad range of industries.

Brands are rated by 8,000 respondents on these six key attributes: Trustworthiness and Credibility, Quality, Value, Understanding of Customer Needs, Innovation, and Social Responsibility. A Gold Seal is given to brands that outscore their competitors significantly in their category, while a Platinum Seal is given to category toppers, with a clear and significant margin over other brands in their line.

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COMMENTS

AXA Travel Insurance Review: Is it Worth It?
Compare AXA's three travel insurance plans: Silver, Gold and Platinum. See the benefits, limits and costs for each plan and how to buy online.
AXA Travel Insurance Review --- Is it Worth It? [2024]
It pays to verify reviews and ratings — AXA offers good reassurance in this area. With 64 years in business, AXA has an A- Better Business Bureau rating. On the travel insurance website Squaremouth, AXA has an overall 4.22/5 rating, with 0.1% negative reviews among more than 69,000 policies sold.
AXA Assistance USA Travel Insurance Review 2024
AXA Assistance USA's Platinum plan (above) is its highest-rated plan according to Forbes Advisor's ratings of the best travel insurance. AXA Assistance USA's Silver plan: The Silver plan ...
AXA Travel Insurance Review
The Platinum plan is the most comprehensive offering from AXA Travel Insurance, encompassing all the benefits of the Gold Plan at higher maximums. In addition, the Platinum plan offers limited coverage for pre-existing medical conditions and for equipment and reservations related to golf and skiing.
AXA Assistance USA Travel Insurance Review + Costs (2024)
Up to $35,000. Up to $50,000. Available coverage from AXA Assistance USA is offered in three tiers. Where the Silver plan offers limited benefits and lower policy limits overall, the Platinum plan ...
AXA Assistance USA travel insurance review 2024
Here's a sample of the coverage you can expect from each policy. Silver. AXA's budget-friendly Silver plan includes the following benefits. Trip interruption insurance: 100% of your trip cost ...
AXA Assistance USA Travel Insurance Review 2024
As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following AXA travel insurance quotes: AXA Silver: $83. AXA Gold: $107. AXA Platinum: $127 ...
AXA Assistance Platinum Plan Travel Insurance Reviews
The AXA Assistance USA Platinum plan offers the highest limits of coverage out of all three AXA Assistance plans. Just like the AXA Assistance USA Gold plan, the Platinum plan provides additional Travel Delay benefits along with coverage if your golf or ski trip is disrupted due to Inclement Weather. Another added benefit is coverage for Sports ...
2024 AXA Travel Insurance Reviews: Travel Insurance
Overall Rating: 4.5 / 5 (Excellent) AXA travel insurance covers a wide variety of travel-related losses, including luggage damage and theft, medical issues, and trip interruption. Its adventure travel policy is especially robust and not only covers traditional adventure activities but also reimburses policyholders for sports equipment rentals ...
Travel Insurance Plan Platinum
The AXA Platinum plan provides extensive and the max coverage limit for medical expenses, hospitalization, surgery, and emergency evacuation. It also includes coverage for personal accident, travel inconvenience, trip cancellation, and loss of personal belongings. Another exclusive optional benefit to the Platinum plan is Trip Cancellation for Any Reason (CFAR).
AXA Assistance USA Platinum Plan
For instance, all three AXA Assistance USA plans provide trip cancellation protection up to 100% of your insured pre-paid and non-refundable trip costs and as much as 150% of your trip costs in trip interruption coverage. The Platinum Plan, however, increases the limits for trip delay coverage to $300 per day or $1,200 total, and it covers $600 ...
AXA Travel Insurance Review and Pricing (2024)
Learn about AXA's travel insurance plans, benefits, costs and ratings for leisure travelers. Compare AXA with other providers and find out if it's the best choice for your next trip.
AXA Assistance Platinum Plan Travel Insurance Reviews p.2
The AXA Assistance USA Platinum plan offers the highest limits of coverage out of all three AXA Assistance plans. Just like the AXA Assistance USA Gold plan, the Platinum plan provides additional Travel Delay benefits along with coverage if your golf or ski trip is disrupted due to Inclement Weather.
Reviews of the Top 10 Best Travel Insurance Companies
TRAVELEX. Best: Overall, and for families with kids. Travelex Insurance Services is a leading travel insurance provider based in Omaha, Neb. Its parent company, Travelex, has been a worldwide leader in foreign currency exchange for decades, and Travelex Insurance was started in 1996. The company's travel insurance policies are underwritten by ...
AXA Assistance USA
Rating 4 out of 5. Policy: Platinum. Review Received: May 9, 2024. Ricardo from NY Verified Squaremouth Customer. Total waste of money. AXA keeps asking for stuff that it's not applicable to the claim. Their strategy is to keep asking for information until you give up.
AXA Travel Insurance Review
AXA travel insurance offers competitive pricing, though premiums do vary. To get an accurate quote for your specific trip, use the quote tool on AXA's website or contact the company at 855-327-1441.
Compare Travel Insurance Plans
Compare AXA Travel Insurance Plans which includes benefits like trip cancellation, interruption, emergency medical expense, emergency evacuation and baggage delay to help give you peace of mind before and during your trip. Optional benefits are also available to enhance our travel insurance plans and offer additional protection for your trip.
AXA Travel Insurance Review (Updated May 2023)
At the travel insurance marketplaces, AXA Assistance USA holds a 4.5 rating out of five stars at InsureMyTrip.com, with 96 percent of travelers recommending their plans. Squaremouth.com users give the insurance plans a rating of 4.42 stars out of five, with only 37 negative reviews out of over 26,000 policies sold.
Travel Insurance |Travel Medical Insurance| AXA Partners US
Travel Assistance Wherever, Whenever. Speak with one of our licensed representatives or our 24/7 multilingual insurance advisors to find the coverage you need for your next trip. From Medical Coverage to Trip Cancellation Protection, our team of travel experts will help you choose the right coverage. 855- 327- 1441.
AXA Assistance USA Travel Insurance Reviews
AXA Assistance USA. AXA Assistance USA is part of the AXA Group, one of the world's largest and financial companies servicing over 95 million people worldwide, with over 60 years of experience in the travel insurance industry. Learn more about AXA Assistance USA. Customers rated AXA Assistance USA. 4.49 out of 5. 3,695. ratings and reviews. 96%.
Best travel insurance companies and policies 2024
Read our full NFU Mutual travel insurance review. All Clear travel insurance - Platinum. 79% policy score - joint 7th out of 161 policies rated. We like: All Clear was the highest-scoring medical specialist insurer in our analysis. Its policy covers outbound, connecting and returning flights that you miss because of delays.
AXA Assistance USA Platinum
The AXA Assistance USA Platinum plan also includes natural disaster or man-made disaster coverage that provides possible reimbursement if your primary residence or accommodations at your destination becomes uninhabitable and bankruptcy coverage for the financial default of your travel suppliers. Like the other AXA plans, the Platinum includes ...
Best Travel Medical Insurance Of 2024
The Best Travel Medical Insurance for Visitors to the U.S. Atlas America - Best Overall. Patriot America Lite - Best for Cost. Patriot America Plus - Great for Trip Interruption Insurance ...
AXA Travel Insurance UK Reviews
Horrible insurance company, will never use them again. Bought a travel insurance when booked a trip with Jet2 to Turkey. Impossible to claim any expenses, they make the process so hard that it is not worth running around and filling their paperwork. DO NOT RECCOMEND! Date of experience: May 23, 2024. Useful.
6 Best Travel Insurance with COVID-19 Coverage in Singapore (Apr 2024)
FWD Travel Insurance. $33 - $57 (Add $11 - 22 for COVID-19 coverage) - Overseas medical expenses: $200,000 - $1,000,000. - Trip cancellation: $7,500 - $15,000. - Trip cancellation or disruption: $5,000. - Overseas quarantine allowance: $50/day up to 14 days. - Medical expenses (Singapore or overseas): $200,000. Tiq by Etiqa ...
Cruise Packing List: What to Bring on a Cruise
Sunscreen & Hat. Light Snacks. Pack a change of clothes, essential medications, travel documents (including passport and any visas), and travel-sized toiletries for a quick refresh upon arrival. The bonus carry-ons can be selected or dropped on the basis of the space available and your personal preferences.
AXA cited anew as 'trusted brand' in PHL
AXA cited anew as 'trusted brand' in PHL. Roderick L. Abad. May 30, 2024. 3 minute read. A Testament to AXA's unwavering commitment to excellence in health insurance, Tony Castillo (right ...

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Table of Contents

AXA vs. Credit Card Travel Insurance

AXA vs. Other Travel Insurance Companies

Frequently Asked Questions

Is AXA travel insurance worth it?

Is AXA travel insurance good for a Schengen visa?

Is AXA an international insurance?

About Jessica Merritt

AXA Assistance USA

What AXA Assistance USA Is Known For

AXA Assistance USA for Individual Trips

AXA Assistance USA Costs

AXA Assistance USA Gold

Policy: Gold

Customer Review

Why Trust U.S. News Travel

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AXA Assistance USA travel insurance review 2024

AXA Assistance USA

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AXA travel insurance plans

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Compare AXA travel insurance plans

Collision damage waiver

What isn't covered by AXA travel insurance?

AXA Assistance travel insurance rates

Compare the best travel insurance companies of 2024

AXA travel insurance FAQs

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Introduction to AXA Travel Insurance

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AXA Assistance USA Travel Insurance Review 2024

Coverage Options Offered by AXA

Specialized Coverage Options

AXA Assistance USA Travel Insurance Cost

How to Purchase and Manage Your AXA Policy

How to File a Claim with AXA Travel Insurance

AXA Assistance USA vs. AIG Travel Guard

AXA Assistance USA vs. Allianz Travel Insurance

AXA Assistance USA vs. Credit Card Travel Insurance

Why You Should Trust Us: How We Reviewed AXA Assistance USA

AXA Assistance USA FAQs

At ConsumersAdvocate.org, we take transparency seriously.

Best Price Guarantee By Comparing Top Providers In A Single Platform

AXA Travel Insurance Review

How is AXA Travel Insurance rated?

Emergency Medical Assistance Services

Concierge Assistance Services

Customer Comments & Reviews

Suggested Comparisons

AXA Assistance USA Travel Insurance Review (2024)

Why Trust MarketWatch Guides

Our Take on AXA Assistance USA Travel Insurance

AXA Assistance USA Pros and Cons

AXA Assistance Travel Insurance Plans

AXA Add-On Options

Cost of AXA Travel Insurance Plans

AXA Assistance USA International Travel Cost

AXA Assistance USA Domestic Travel Insurance

AXA Assistance USA Travel Insurance Reviews