AXA Travel Insurance Review: What to Know

In the era of staff shortages, extreme weather and COVID-19 outbreaks, 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 provides services in 50 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 and provides services in the U.S. and globally.

AXA travel insurance plans

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.

AXA travel insurance cost and coverage

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.

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

• 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 cancellation: 100% of the trip cost.

• Trip interruption: 150% of the trip cost.

• 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.

• Trip cancellation: 100% of the trip cost.

• Trip interruption: 150% of the trip cost.

• 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 skier days: $25 per day.

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

This level of coverage costs $95.

How to get a quote from AXA

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.

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.

AXA travel insurance review recapped

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.