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Overview
With generous payout limits and emergency 24/7 support, AXA Travel Insurance could provide you with a great deal of protection if something were to go wrong while traveling. If you opt for the more comprehensive platinum plan, the company offers extremely attractive perks, such as canceling your trip for any reason and receiving a refund of up to 75% of its value.
Suitable For?
Offering a wide range of policies, AXA Travel Insurance provides coverage that is suitable for most types of travelers.
In addition to single-trip policies, the company also offers annual and family travel insurance, which could be appealing if you travel frequently or often go away with your loved ones.
With a simple online application and access to immediate coverage, AXA may also be a great option for busy people who prefer to manage their finances online.
Likewise, AXA Travel Insurance may also be suitable if you have a pre-existing medical condition. However, you should be aware that the level of protection for those with pre-existing conditions will vary by state and plan type. Therefore, it’s wise to read the fine print carefully when buying a plan.
Features/Highlights
With an online sign-up process, AXA Travel Insurance offers single-trip policies on trips lasting fewer than 90 days. In addition, it also sells several more specialist types of insurance. Those include:
Winter sports
Backpacker
Annual travel
Student travel (up to 12 months of foreign study)
Family travel
All plan types include coverage for:
Baggage loss
Trip interruption
Emergency evacuation
Emergency medical
If you plan to drive during your trip, you can also add a collision damage waiver to your policy, which has a payout limit of $35,000.
Likewise, you can add cancel-for-any-reason coverage to a silver or gold plan, which enables you to reclaim up to 75% of your trip’s total value. Note, this type of coverage is automatically included on platinum plans. See below for more details on the various policy types available.
One thing that makes AXA Travel Insurance stand out is its 24/7 concierge feature. Designed for use before you depart, this service offers last-minute recommendations and support with entertainment or leisure reservations.
Policy Types and Terms Available
When you buy coverage, you can choose between three levels of protection: silver, gold, or platinum.
Silver is typically the most affordable coverage type and platinum is the most expensive.
The main features and payout limits are listed below:
Feature | Silver | Gold | Platinum |
Cancelation protection | 100% trip cost | 100% trip cost | 100% trip cost |
Trip interruption | 100% trip cost | 150% trip cost | 150% trip cost |
Trip delay | $100 per day (up to $500) | $200 per day ($1,000 maximum) | $300 per day ($1,200 maximum) |
Missed connection | $500 | $1,000 | $1,500 |
Emergency accident and sickness medical expenses | $25,000 | $100,000 | $250,000 |
Baggage delay | $200 | $300 | $600 |
Baggage and personal effects | $750 | $1,500 | $3,000 |
Lost skier day | - | - | $25 per day |
Cancel for any reason coverage | - | - | 75% of trip cost |
You can find full details of the different plan types on the company’s website.
Application Process
If you would like to receive a quote, you’ll need to enter the following details into the company’s website:
The state where you live
Your travel dates
The dates on which you will pay your initial deposit
The cost of your trip
The age of the travelers
Once you have provided this information, you’ll see a selection of quotes for the three levels of coverage available. At this stage, you will need to enter the details of anyone who is traveling and indicate whether you would like to include any add-ons.
Overall, receiving a quote is extremely straightforward and can be completed in under two minutes.
If you need to make a claim, you can contact AXA Travel Insurance via phone or email, and download the relevant forms from the company’s website. However, before you make a claim for lost baggage, you will need to contact the police or your airline to file a report.
How Safe Is It?
As a subsidiary of AXA Group, the company belongs to one of the world’s largest networks of insurance providers. According to the insurer’s website, it handles more than 14 million cases per year and has offices in more than 30 countries.
It is also reassuring to learn that AXA Travel Insurance will let you cancel your policy within 10 days of purchase, as long as you haven’t made a claim on your policy.
In terms of reputation, the company has been voted the number one insurance company by brand consultancy Interbrand for 10 consecutive years.
However, it is concerning that the insurer has a rating of 1.2 stars on Trustpilot, with many dissatisfied customers citing poor customer service and difficulties filing a claim.
Help & Support
You can contact AXA Travel Insurance by phone, email, or via its online query form.
If you need emergency support while traveling, you can call the company’s 24/7 multilingual hotline. If you have a question about buying coverage or regarding your existing policy, its support hours are from Monday to Friday, 8am-7pm (CST).
The company also has a fairly detailed selection of FAQs on its website and a travel-themed blog, covering topics such as environmentally friendly travel and packing tips.
AXA Travel Insurance At A Glance
Providing a wide selection of travel insurance and three coverage levels, AXA Travel Insurance will likely offer a policy to fit your requirements. And despite poor ratings on Trustpilot, the company has several other attractive points in its favor, such as offering 24/7 multilingual emergency support and providing access to cancel-for-any-reason coverage.
Physical Address
AXA Travel Insurance
125 Broad Street - 5th Floor
New York, NY 10004
Disclaimer
Please read your plan document carefully. This is only a summary of our program. Please refer to your plan document for complete coverages, terms, conditions, limits and exclusions, including a pre-existing condition exclusion. Not all plans or coverages are available in every state. This summary does not replace or change any part of your plan document. If there is a conflict between this summary and your plan document, the plan document will govern. Please contact AXA for additional information regarding plan features and pricing at USTravel@AXA-assistance.us. Plans contain insured benefits and non-insurance assistance services. The insurance benefits in the Silver, Gold and Platinum plans are underwritten by Nationwide Mutual Insurance Company and affiliated companies including Nationwide Life Insurance Company, Columbus, Ohio. Benefits are administered by AXA Assistance USA, Inc. (in California, doing business as AXA Assistance Administrators, License Number 0H74893). Non-insurance assistance services are provided by AXA Assistance USA, Inc. and are not underwritten by Nationwide Mutual Insurance Company.
