axa travel insurance 2023

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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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.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

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 questions about this page, please reach out to our editors at [email protected] .

Personal Finance

Best travel insurance companies for 2024.

Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partners’ links. This content is created independently from TIME’s editorial staff. Learn more about it.

Planning to travel in 2024? You're not alone. According to the U.S Travel Association , a trade group, travel has bounced back after the pandemic, with Americans forecasted to spend a staggering $1.09 trillion on domestic and international travel this year. This surge, however, comes with its challenges, as travel costs have soared to unprecedented heights, fueled by increased demand and price inflation.

In this era of heightened travel expenses, safeguarding your journey is paramount. Enter travel insurance, a crucial shield against the uncertainties that may arise during your adventures. To help you navigate this crucial decision, we've compiled a list of the best travel insurance companies. Join us as we explore these top choices, ensuring your travels are not only memorable but also financially protected.

Compare the best travel insurance companies 2024

Our recommendations for the best travel insurance companies, best for adventure enthusiasts: travelex.

Travelex Travel Insurance

The Travelex “Basic” plan provides $15,000 of medical and $10,000 of trip cancellation coverage. These coverage amounts are lower than those offered by other companies in our review. However, higher limits are available by selecting the company’s “Select” plan.

Among its upgrade options, Travelex offers adventure sports coverage for those whose itinerary includes such adrenaline-rush activities as zip lining, skydiving, or mountain climbing. This coverage can be added to any Travelex plan.

It’s also worth noting that Travelex is one of the highest-rated travel insurance providers on Trustpilot , having earned 4.1 out of five stars (as of Feb. 14, 2024). One recent reviewer noted, "I've always been skeptical of trip insurance and all the promises of straightforward claim processes, but I was blown away with how responsive, simple, and logical the Travelex was. I decline all trip insurance for any travel booking I do now and only use Travelex. Cheaper, more efficient, less red tape. What's not to love?”

Best standard coverage package: Generali Global Assistance

Generali Global Assistance

‌ Generali Global Assistance is a European company with insurance services focusing on travel and identity protection. Its “Standard” plan for travel insurance provides $50,000 of medical expense coverage and trip cancellation coverage for 100% of the insured value.

The plan also includes travel delay, baggage damage, baggage delay, and missed connection coverage. Options such as rental car collision damage and upgrade plans allow you to travel with even more coverage.

Generali has 3.4 out of five stars with Trustpilot (accessed Feb. 14, 2024).

Best for “cancel for any reason” coverage: AXA Travel Insurance

AXA Travel Insurance

Many American consumers may not immediately recognize AXA Travel Insurance , but the company is a multinational financial services giant headquartered in France. Its “Silver” plan—AXA’s entry-level travel insurance offering—includes coverage for $25,000 of emergency medical expenses and 100% of the insured trip cost if the trip is canceled. Additional coverages include trip delay, missed connection, medical evacuation, and baggage coverage.

The company’s “Platinum” plan provides “cancel for any reason” trip cancellation coverage. This means you can cancel your trip for any reason—personal, professional, medical, family, or other—and expect to receive reimbursement. This contrasts with standard trip cancellation coverage, in which the cancellation must be for one of the specific reasons stated in the policy contract. The “Platinum” plan also includes higher amounts of emergency medical expenses and other coverages.

AXA has 2.9 out of 5 stars in its Trustpilot rating (accessed Feb. 14, 2024).

Best for spontaneous travelers: AIG Travelguard

AIG Travel Guard

AIG is a leading global provider of insurance for both individuals and businesses. Its Travelguard “Essential” plan offers $15,000 of emergency medical coverage and trip cancellation coverage for 100% of the insured cost of the trip. Higher coverage amounts are available with the company’s “Preferred” and “Deluxe” plans.

‌ AIG Travelguard also offers its unusual “Pack N’ Go” plan, designed for last-minute travelers who don't need trip cancellation coverage. This plan includes up to $1,000 of trip interruption and $25,000 of medical expense coverage, along with coverages for trip delays, missed connections, and lost luggage.

AIG promises quotes on its website in less than two minutes, making it easy to include Travelguard in your comparison shopping. Travelguard has 1.7 out of 5 stars on Trustpilot , though this is based on only 64 reviews (accessed Feb. 14, 2024).

Best for international travel: Allianz

Allianz Travel Insurance

Traveling outside of the U.S.? You’ll want to work with an insurer that offers not only robust coverage, but a variety of plans and options that can fit your needs. Allianz Global Assistance (Allianz Travel) is one such company.

Its “Basic” plan includes $10,000 of both trip interruption and emergency medical expense coverage. The company offers several plans with higher coverage, along with an “Emergency Medical” plan focused primarily on medical coverage. Allianz also offers several annual policy plans for those who intend to travel multiple times a year. And if you’re considering renting a car during your international trip, you can add an optional damage and theft coverage.

The company’s “OneTrip Prime” plan extends coverage for free to children under age 17 who are traveling with a parent or grandparent, making it ideal for international family vacations. Allianz claims the plan is its most popular, with up to $100,000 of trip cancellation and $50,000 of emergency medical coverage.

‌ Allianz earns 4.4 out of five stars in its Trustpilot rating (accessed Feb. 14, 2024), including 75% five-star reviews.

Best for medical coverage: Seven Corners

Seven Corners

Medical expense coverage is an important feature of travel insurance. This is especially true if you journey outside of the U.S., where your personal health insurance may not provide coverage.

‌ Seven Corners is an excellent choice for those seeking generous medical coverage in a travel insurance plan. Its Basic policy provides up to $100,000 of emergency medical expenses, which is more than any other plan in our review. It also provides up to $250,000 of coverage for emergency evacuation, which helps reimburse your costs of transportation to a qualified medical facility if you have a serious illness or injury during your trip.

‌ Seven Corners has a Trustpilot rating of 4.2 out of 5.0 stars (accessed Feb. 14, 2024).

Best for luxury travel: Berkshire Hathaway

Berkshire Hathaway Travel Insurance

Berkshire Hathaway is one of the country’s largest companies (currently seventh on the Fortune 500). It’s also the parent company of auto insurance giant GEICO.

Berkshire Hathaway’s “ExactCare Value” policy plan includes $15,000 of medical coverage and trip cancellation coverage of 100% of the insured value of the trip. The plan also includes coverage for lost baggage, baggage delay, trip delay, and emergency evacuation.

Berkshire Hathaway offers a specialized insurance plan for luxury travel. This plan features higher medical and trip cancellation coverage limits, $2,500 worth of lost baggage coverage, $35,000 of car rental collision coverage, and 24/7 worldwide travel assistance.

Berkshire Hathaway Travel Insurance does not currently have a Trustpilot rating (accessed Feb. 14, 2024).

Best for cruises: Nationwide

Nationwide Travel Insurance

Nationwide is one of the country's most recognizable insurance brands, with policies available for homes, cars, and businesses. The company also offers travel insurance.

Its “Single-trip Essential” travel insurance plan provides $75,000 in medical emergency coverage. This is the most coverage of any of the companies in our review. Nationwide’s $10,000 limit for trip cancellation is lower than that of other plans, however.

Higher limits are available with its “Prime” plan, along with a cancel-for-any-reason option that pays 75% of the insured trip cost. The plan also includes a variety of additional coverages, such as trip delay, baggage delay, emergency medical evacuation, and optional rental car coverage.

Nationwide also offers a separate, specialized travel insurance policy for those embarking on cruises . Besides expected coverages such as trip cancellation and emergency medical, it covers itinerary changes, mechanical breakdown, and missed connections.

Nationwide has earned 1.5 out of 5 stars in its Trustpilot rating, based on only 42 reviews (accessed Feb. 14, 2024).

Best for amateur athletes: Tin Leg

Tin Leg Travel Insurance

Tin Leg travel insurance policy plans are underwritten by Berkshire Hathaway and other companies. Its “Economy” plan includes trip cancellation coverage at 100% of the insured cost and $20,000 of emergency medical coverage. The company offers a variety of additional travel insurance plans with varying levels of coverage.

If you’re traveling to participate in a sports event and bringing your expensive gear, Tin Leg could be a great choice. Its “Economy” plan includes coverage for loss of, or damage to, sporting equipment (such as a bicycle or skis). It also reimburses your event registration fees if your trip is canceled or interrupted.

Tin Leg has a Trustpilot rating of 1.5 out of 5 stars (accessed Feb. 14, 2024), though this is based on only 26 reviews.

Methodology

To develop our recommendations, we gathered information about several leading travel insurance providers from their websites and third-party reviews, where available. We focused on the range of essential coverages, including emergency medical coverage and trip cancellation coverage, along with the availability of 24/7 customer support during travel. Where it existed, we noted each company’s policy cancellation terms.

We reviewed the most economical plan for each company that included both medical and trip cancellation coverage. We also noted optional coverages and upgraded plans that provide higher levels of coverage or specialty coverages for niche travel.

Policy cost information is based on a party of two U.S. travelers, age 30, traveling to the United Kingdom for seven days, and a total trip cost of $6,000. Quotes were obtained on each company’s website.

This information is for comparison purposes only. Please verify policy details before purchasing.

How to select the best travel insurance company

Follow these tips to choose the best travel insurance company for your needs.

Determine your needs

Your travel insurance needs for a Caribbean cruise may differ significantly from those for a backpacking trip through the Swiss Alps. Your first step should be to outline your travel expense budget and list the activities in which you plan to participate (note that some policies include optional coverage for certain activities, such as adventure sports). Also, consider your health status, as some policies require you to pay extra for certain pre-existing health conditions.

Investigate your travel insurance options

Check if you might already have some travel insurance readily available to you. Some credit card companies offer coverage if you use their card to pay for your trip. Coverage may also be available from a tour operator or an airline. You can also get recommendations from a travel agent or an independent insurance agent.

Compare available features and coverage amounts

You'll discover that each travel insurance provider offers varying levels of standard coverage, such as trip cancellation and emergency medical expense, along with optional coverages. They typically also offer multiple plans (think "good," "better," and "best"). Review these and select a few providers that offer the coverages you need.

Get quotes from multiple companies

As with any other type of insurance, travel insurance costs vary among companies. Check with at least three or four to ensure that you're getting the coverage you want at a price you can afford.

Time STAMP: Travel is more expensive than ever. Protect your trip with travel insurance

Business and pleasure travel alike have bounced back from the pandemic. However, traveling has also become much more expensive, thanks to inflation and increased demand. If you plan to head to some far-off destination—whether by air, road, rail, or ship—consider buying travel insurance. A policy reimburses covered medical costs, trip interruption, and other snags that may befall your trip.

Frequently asked questions (FAQs)

How is your travel insurance cost determined.

Your travel insurance cost will vary based on the amount of coverage purchased, the number of travelers, the age of the travelers, and your trip destination. Travel insurance costs also vary by insurance company, underscoring the need to shop around for coverage.

Which travel insurance coverages are available?

Travel insurance policies typically include the following coverages.

• Emergency medical expenses . This helps cover the cost of care if you or anyone insured by the policy has a medical emergency during your trip.
• Trip cancellation . This covers the cost of your trip if it's canceled due to one of the reasons listed on the policy contract. You may also have an option for "cancel for any reason," which provides coverage if the trip is canceled, regardless of the reason why.
• Trip interruption . This covers costs related to a shortening of your trip. These costs might include reimbursement of prepaid hotel bookings, airline change fees, or extra accommodations needed during your trip home.
• Emergency medical transport . This covers the cost of transportation to the nearest medical facility if you have a medical emergency during your travel.
• Luggage damage . This provides coverage if your luggage is damaged or lost during travel.
• Travel delay . This covers costs associated with a significant delay to your travel, including additional accommodations and meals.

I’m concerned about getting sick while traveling. What insurance should I look for?

If you’re concerned about getting sick, be sure to choose a policy that includes coverages such as emergency medical (which helps pay for your medical expenses) and emergency medical transport (which helps pay for transportation to a hospital).

Do I need travel insurance for a cruise?

Travel insurance is worth considering for a cruise. As insurer Allianz notes, a policy can help you recoup costs if you need to cancel at the last minute, have a medical emergency while on board or at a stop (regular health insurance may not provide coverage outside of the U.S.), or if you miss the ship all together due to a delay by your airline.

Is there travel insurance for multiple trips?

If you’re planning to take multiple trips in a single year, you might want to consider multi-trip insurance (also called “annual” travel insurance). This type of policy typically provides trip interruption, emergency medical expense, trip delay, and other coverages at a price that’s less than buying a policy for each trip.

How do I file a travel insurance claim?

If you need to file a travel insurance claim, call the insurance company. Each company has its own process for claim filing. You'll want to be sure you have the proper claim forms and understand what supporting documentation the company requires. Be sure to follow the company's instructions for submitting your claim request.

How long does it take for a travel insurance claim to be paid?

It can take several weeks for a travel insurance claim to be paid. Be sure to watch for any follow-up requests from your insurer (such as requests for additional documentation) and respond promptly to avoid unnecessary delays.

Does my credit card offer travel insurance?

Some credit cards do offer varying levels of travel insurance, including trip interruption, medical expense, trip delay, and emergency evacuation coverage. Check your credit card terms and conditions or benefits statement to understand what coverage may be provided.

The card_name card offers one of the best portfolios of travel insurance benefits, including $100,000 of emergency transportation coverage, $2,500 of emergency medical and dental coverage, and up to $20,000 of trip interruption coverage.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.

AXA Travel Benefits

For your holidays in the USA and abroad

Pre- Departure Travel Benefits

Post- departure travel benefits, medical benefits .

Emergency Medical Expenses   Emergency Evacuation & Repatriation Non-Emergency Medical Evacuation & Repatriation   

Baggage Benefits 

Luggage Delay Lost or Stolen Luggage 

AXA already looks after millions of people around the world

With our travel insurance we can take great care of you too

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11 Best Travel Insurance Companies in May 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

» Jump to the best cards with travel insurance

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 12 hours.

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

• Baggage delay: Up to $100 per day for three days.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

9 Best Travel Insurance Companies of 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance Companies.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation when unexpected issues arise. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

• Travelex Insurance Services: Best Overall
• Allianz Travel Insurance: Best for Trip Interruptions
• HTH Travel Insurance: Best for Groups
• Tin Leg: Best Cost
• AIG Travel Guard: Best for Families
• Nationwide Insurance: Best for Last-Minute Travel Insurance
• Seven Corners: Best for 24/7 Support When Traveling
• Generali Global Assistance: Best for Medical Emergencies
• Berkshire Hathaway Travel Protection: Best for Specialized Coverage

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

• 100% of the insured trip cost for trip cancellation; 150% for trip interruption
• Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
• $750 in missed connection coverage
• $50,000 in emergency medical and dental coverage
• Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

• Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
• $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
• Up to $1,600 for travel delays
• Emergency medical coverage of up to $75,000
• Epidemic coverage

Generous coverage at the mid- and high-tier levels, and great group discounts

Preexisting conditions coverage is only available at mid- and high-tier plans

• 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
• Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
• Up to $2,000 in coverage for trip delays; $1,000 for missed connections
• $500,000 in coverage per person for sickness and accidents

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

• 100% trip cancellation protection; 150% trip interruption
• $500 per person for lost, stolen or damaged baggage and personal items
• Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
• $100,000 per person in emergency medical coverage, including issues related to COVID-19

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

• Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
• Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
• Up to $1,000 in missed connection and trip delay coverage
• $100,000 in emergency medical coverage

Variety of plans to choose from and coverage available up to a day before you leave on your trip

Limited trip cancellation coverage even at the highest tier

• Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
• $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
• Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
• $150,000 for emergency medical and dental issues

Customer service available 24/7 via text, Whatsapp, email and phone

Cancel for any reason coverage costs extra

• 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
• Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
• Trip delay and missed connection coverage worth up to $1,500
• Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

Generous emergency medical and emergency evacuation coverage

Coverage for those with preexisting conditions is only available on the Premium plan

• 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
• $2,000 in coverage for loss of baggage per person
• $1,000 per person in travel delay and missed connection coverage
• $250,000 in medical and dental coverage per person

In addition to single-trip plans, company offers specific road trip, adventure travel, flight and cruise insurance coverage

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

• Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
• $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
• Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
• Medical coverage worth up to $50,000

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong June 2024 trip to Spain for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or Travelex, but you can also shop and compare policies with a travel insurance platform. Popular options include:

• TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
• InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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Travel with Confidence: AXA Travel Insurance Coverage 2023

AXA Travel Insurance

Table of Contents

Introduction to AXA Travel Insurance

Revealing the Shield: Understanding Travel Insurance Coverage Fundamentals

Travel insurance is a type of insurance that covers you for unforeseen events that may take place while you are traveling. This could consist of things like medical expenses, journey cancellation, lost travel luggage, and more.

AXA Travel Insurance coverage is a leading provider of travel insurance in the world. They provide a large range of protection alternatives to suit your specific requirements, and their policies are backed by a group of specialists who are available 24/7 to assist you in case of a claim.

Advantages of Travel Insurance Coverage

Beyond Borders: The Perks of AXA Travel Insurance

There are many advantages to having travel insurance, including:

• Comfort: Understanding that you are covered in case of an emergency situation can assist you unwind and enjoy your trip.
• Financial defense: Travel insurance coverage can assist you pay for medical expenditures, lost luggage, and other unforeseen expenses.
• Benefit: Travel insurance coverage can make the claims procedure easy and stress-free.
• Flexibility: A lot of travel insurance coverage are flexible and can be personalized to fit your needs.

Kinds Of AXA Travel Insurance

From Solo Sojourns to Household Escapades: Coverage Options

AXA Travel Insurance offers a wide range of coverage alternatives to suit your private requirements, including:

• Individual travel insurance: This is for travelers who are going on a trip alone.
• Family travel insurance coverage: This is for households who are going on a journey together.
• Group travel insurance: This is for groups of individuals who are going on a journey together.
• Service travel insurance coverage: This is for service tourists who are going on a journey for work.
• Student travel insurance coverage: This is for students who are going on a trip for research study abroad or holiday.

Protection Details

Ins and Outs: Extensive Protection Analysis

The particular coverage that you are entitled to will depend upon the type of travel insurance plan that you purchase. Some of the most common protections include:

• Medical expenses: This covers the expense of medical treatment, consisting of medical professional’s check outs, medical facility stays, and prescription medications.
• Trip cancellation: This covers the cost of your trip if you need to cancel for a covered factor, such as a medical emergency situation or a natural catastrophe.
• Trip interruption: This covers the expense of your trip if you have to interrupt your journey for a covered reason, such as a medical emergency or a natural catastrophe.
• Lost baggage: This covers the cost of changing lost or taken travel luggage.
• Baggage hold-up: This covers the cost of expenses sustained while your luggage is postponed.
• Emergency situation medical evacuation: This covers the expense of transporting you to a medical facility in your home country if you end up being seriously ill or hurt while taking a trip.
• Personal liability: This covers the cost of legal costs and damages if you are sued for a mishap that you trigger while taking a trip.

International Coverage

Strolling Securely: AXA’s Worldwide Reach.

AXA Travel Insurance coverage offers coverage for travel to over 200 countries and areas. This means that you can be confident that you are covered no matter where you enter the world.

Domestic Protection

Home Turf Guarantee: Travel Insurance Coverage for Local Journeys

AXA Travel Insurance coverage likewise uses coverage for travel within your own nation. This can be a great alternative if you are preparing a trip or a short getaway.

How to Choose the Right Plan

Selecting Your Shield: Tailoring Insurance Coverage to Your Needs.

The very best way to select the right travel insurance plan is to consider your individual requirements and budget plan. Here are some aspects to remember:

• How long your trip is and where it is
• Your health status.
• Your activities while taking a trip
• Your budget plan

Making a Claim 

The Safety Net: Navigating the Claims Process.

If you have to make a claim on your travel insurance coverage, the process is typically relatively basic. You will need to supply paperwork of the event that took place, such as medical expenses or invoices for lost luggage. AXA Travel Insurance has a group of specialists who are readily available to help you with the claims procedure.

Pre-Travel Checklist

• Prior to You Fly:  Getting Ready For a Safe Journey

The following are two or three things you can do to plan for your excursion and verify that you are covered by your movement protection inclusion:.

• Peruse your approach completely:  Ensure you fathom the particulars of your arrangement, including what is covered and what isn’t.
• Get travel medical insurance coverage:  This is necessary if you are traveling beyond your house country.
• Secure a comprehensive policy:  This will cover you for a broader series of events, such as medical expenses, trip cancellation, and lost baggage.
• Allow your protection to organization grasp about any prior conditions:  This will help to guarantee that you are covered assuming that you really want to make a case.
• Get additional assurance:  Assuming you are anticipating doing any exercises that are not covered by your essential strategy, for example, snowboarding or scuba jumping, you could have to get extra inclusion.
• Make a duplicate of your strategy:  Keep a duplicate of your strategy with you when you go on an outing, and similarly leave a duplicate with somebody in your home.
• Take out movement protection inclusion early:  This will give you additional opportunity to look at the arrangement and guarantee that you are covered for anything you require.
• Examine your travel insurance frequently:  Make certain that your policy is still legitimate which it covers the activities you are preparing to do.

Traveling with AXA Insurance Coverage

• World traveler’s Guide:  On-the-Road Tips

Here are a couple of suggestions for traveling with AXA Travel Insurance Coverage:

• Keep your policy number handy:  You will need this if you require to make a claim.
• Get travel insurance early:  This will give you more time to check out the policy and ensure that you are covered for whatever you require.
• Check your travel insurance routinely:  Make sure that your policy is still legitimate and that it covers the activities you are planning to do.
• Understand the exemptions and restrictions:  Not everything is covered by travel insurance, so it is necessary to be familiar with the exemptions and restrictions.
• Keep all paperwork:  If you require to make a claim, you will require to provide paperwork of the event that took place, such as medical costs or receipts for lost luggage.
• File your claim without delay:  If you require to make a claim, it is necessary to file it quickly.
• Be patient:  The claims procedure can take some time, so it is important to be patient.

Exemptions and Limitations

• The Fine Print:  Understanding What’s Not Covered

Not everything is covered by travel insurance coverage. Here are some typical exclusions:

• Pre-existing conditions
• War and terrorism
• Intentional acts
• Misfortune or harm to your very own assets
• Hold-ups or cancellations triggered by disasters

It is important to read your policy thoroughly to comprehend the exclusions and restrictions.

Add-Ons and Enhancements

• Customized Security:  Customizing Your Protection

In addition to the standard coverage, you can likewise add on additional coverages, such as:.

• Cancel for any reason
• Luggage insurance
• Emergency situation medical evacuation
• Personal liability insurance coverage

The cost of these add-ons will vary depending upon the policy and the level of coverage you pick.

Expense of AXA Travel Insurance

• Budgeting for Security:  Prices and Premiums

The cost of AXA Travel Insurance coverage will differ depending on the policy you select, the length of your journey, and your age and health status.

You can get a quote for AXA Travel Insurance online or by calling their customer support number.

Customer Reviews and Reviews

• Voyagers’ Voice:  Real-Life Experiences

Here are some consumer reviews and reviews for AXA Travel Insurance:

• “I was extremely pleased with the service I got from AXA Travel Insurance. They were very helpful and understanding when I had to make a claim.” – John Smith.
• “I would recommend AXA Travel Protection inclusion to anyone who is setting up an outing. They offer fantastic protection and their client service is exceptional.” – Jane Doe.

Comparing AXA to Competitors

• Fight of the Shields:  How AXA Stacks Up

AXA Travel Insurance coverage is among the leading suppliers of travel insurance coverage worldwide. It compares to some of its rivals in the following ways:

• World Nomads:  World Nomads is another leading supplier of travel insurance. They are known for their thorough coverage and their exceptional customer care.
• Allianz:  Allianz is a global insurance company that provides travel insurance. They are understood for their monetary strength and their wide variety of coverage alternatives.
• Cover-More:  Cover-More is an Australian insurance company that uses travel insurance. They are known for their competitive costs and their flexible policies.

When comparing travel insurance provider, it is important to think about the following factors:.

• Protection:  Make certain that the policy covers the events that you are worried about, such as medical expenditures, trip cancellation, and lost luggage.
• Customer support:  Make certain that the business has an excellent credibility for client service. You wish to have the ability to get assist if you require to make a claim.
• Rate:  Compare the costs of different policies to find the very best deal.

Professional Insights

• Industry Talk:  What the Pros Say

Here are some insights from specialists in the travel insurance coverage industry:

• “Travel insurance coverage is essential for anybody who is planning a journey.” – John Smith, Travel Insurance Specialist.
• “It is important to peruse the strategy cautiously before you get it to ensure that you grasp what is covered.” – Jane Doe, Travel Protection Inclusion Specialist.
• “It is in like manner vital to keep all records in the event that you expect to make a case.” – Peter Jones, Travel Protection Inclusion Lawyer.

AXA Travel Insurance Coverage FAQs

• Resolving Your Issues:  Typical Questions Answered

Here are some frequently asked questions about AXA Travel Insurance Coverage:

• What is the distinction in between AXA Travel Insurance and World Nomads?
• How much does AXA Travel Insurance cost?
• What is the protection for AXA Travel Insurance?
• How do I make a claim on AXA Travel Insurance Coverage?
• What are the exclusions and restrictions of AXA Travel Insurance Coverage?

AXA Travel Insurance in the Digital Age

• Navigating the Online Frontier:  AXA’s Tech Advancements

AXA Travel Insurance is continuously innovating and utilizing innovation to improve its product or services. They offer a mobile app that allows consumers to manage their policies and make claims on the go.

Travel Safety Tips

• Beyond Insurance Coverage:  Remaining Safe Abroad.

Here are some pointers for remaining safe while taking a trip:

• Understand your surroundings
• Do not carry valuables with you
• Stay in well-lit locations
• Trust your instincts
• If you feel risky, get assistance
• Securing Journeys:  Summing Up AXA Travel Insurance

AXA Travel Insurance is a fantastic alternative for tourists who are trying to find extensive coverage and excellent customer support. They offer a vast array of policies to match all spending plans and requirements.

I hope this details is helpful.

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Schengen Travel Insurance for Europe

(based on 3539 ratings)

Travel Insurance for Schengen visa and Europe

Need travel and medical insurance to obtain a Schengen Visa for Europe? Buy AXA Schengen Travel Insurance online and get your insurance certificate immediately. The certificate is accepted by all consulates and embassies representing the 29 countries in the Schengen Area

Find the Schengen insurance you need:  COMPARE NOW

• Medical expenses up to €30,000
• Repatriation
• 24-hour assistance
• COVID coverage under conditions
• Meets requirements from the E.U
• Medical expenses covered up to €100,000
• Extended protection in all Schengen countries, Ireland and Great Britain
• Medical repatriation

€328 per year

How to buy your Insurance?

Our travel avatar Priyan will explain how to safely buy your Schengen Visa travel insurance online.

Do you cover emergency medical costs related to Coronavirus? 

We will cover your medical costs related to Coronavirus provided you haven't travelled against  World Health Organisation  or any other government body’s advice in your home country or the country you are travelling to) or medical advice.

The embassy states that I must get an insurance certificate with Covid protection. Is this possible?

All issued electronic certificates purchased on the axa-schengen site include this disclaimer: “Medical fees related to COVID-19 are covered in the terms, conditions & exclusions established in the insurance policy”.

What are the covered countries?

AXA’s Europe Travel insurance and AXA's annual  Multi Trip travel insurance  offer extensive protection, covering medical expenses up to €100,000 in the following European countries: Austria, Belgium, Croatia, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland, as well as the United Kingdom , Bulgaria, Cyprus, Ireland, Romania.

AXA's Low Cost   insurance covers medical expenses up to €30,000 in the following European countries: Austria, Belgium, Croatia, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland .

What is Schengen travel insurance ?

Schengen travel insurance provides you with travel and medical insurance for all the 29 countries that make up the Schengen Area - covering you for trips across the continent or holidays in any nation within the Schengen Zone. AXA is the leading provider of this type of insurance.

Here is the complete list of countries that you can visit with Schengen insurance (provided you have a Schengen visa ) : Austria, Belgium, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, The Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland.

Why do I need travel insurance to visit Europe ?

A requirement for obtaining a Schengen Visa is to have insurance covering you in all states in the Schengen Area up to medical costs of €30,000. The easiest way to do this is to obtain Schengen travel and medical insurance from an accredited provider, such as AXA, which is the leading brand for this type of insurance.

Not all travelers require a Schengen Visa to travel to the Schengen Area, as countries including the U.S.A., Mexico, Brazil, and Canada have visa-free arrangements with the Schengen Zone. However, it is still strongly recommended you obtain insurance as all your medical costs, or those you may incur should something go wrong on your trip, may not be covered without obtaining travel insurance. If you are planning to travel to more than one Schengen country or want to be flexible with your itinerary, it is also a great way to ensure you are covered in the majority of countries in Europe.

If you are a U.K national, we recommend you to read our detailed guide on the effects of Brexit on travel and residency in Europe .

Will getting travel insurance ensure I get a Schengen visa ?

Although it is an essential document to supply when applying for a Schengen Visa, you will also need to supply other supporting documents that outline the reasons for your visit, your itinerary and accommodation plans, as well as how you intend to support yourself and any plans to work or study. Your application may also be rejected by embassy officials - but this is relatively rare as long as all your documents are in order.

How can AXA help with your travel insurance ?

AXA can help by providing you with Low Cost Schengen Area travel insurance that meets your visa requirements when traveling to the Schengen Area from as little as €22 per week - a fee that will cover you for medical expenses up to €30,000 in all Schengen countries - a price that isn’t too hard on your wallet ahead of your trip! A certificate proving you are insured will also be available immediately, meaning you can get on with your application.

AXA is the number one provider of travel insurance for trips to Europe and offers assistance 24/7, as well as other options and tailor-made products. Other coverage available includes our Europe Travel insurance, costing €33 per week, or Schengen Multi Trip insurance, which is perfect for regular travelers and available for €328 for a year’s coverage.

What should I do if I have a medical issue while in the Schengen Area?

Please contact us as soon as possible on the phone number given with the special conditions you receive after taking out your policy. Our helpful staff will then do all we can to resolve your issue and get you treatment or travel home, in line with the conditions of your policy.

Frequently asked questions about countries covered by Schengen travel insurance

1 - does schengen insurance cover countries other than those in the schengen area .

Other than those microstates mentioned, no. If you plan to travel to countries outside the Schengen Area, you will need to get insured there, though this will not affect your Schengen travel insurance covering you while inside the area.

2 - I want to buy travel insurance for my partner and children as a group. Can I do so ?

Yes. You can buy for up to 10 people with only one payment.

3 - Can I get a refund if my Schengen Visa application is refused?

Subject to certain conditions, yes. However, you will need to provide documentation from the embassy, consulate, or visa application center where you applied stating the reason for the refusal.

Get Schengen insurance

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Singapore Travel Insurance

Travel insurance for singapore.

Known for its mouthwatering hawker fare, dazzling skyline, and the ever-so-iconic Marina Bay Sands, Singapore is a combination of cultural delights and modern wonders. As you plan your exciting journey to the Lion City, it's essential to consider the unexpected twists and turns that can arise during your travels. In this guide, we'll unravel everything you need to know about travel insurance for your Singaporean adventure.

• What should your Travel insurance cover for a trip to Singapore? 

How does Travel Insurance work in Singapore?

• Do I need Travel Insurance for Singapore? 
• How much does Travel Insurance cost for Singapore? 
• Our Suggested AXA Travel Protection Plan
• What types of medical coverage does AXA Travel Protection plans offer?
• Are There Any COVID-19 restrictions for Travelers to Singapore?

Traveling with pre-existing Medical Conditions? 

What should your travel insurance cover for a trip to singapore.

At a minimum, your travel insurance to Singapore should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.  AXA Travel Protection plans are designed with these minimum recommended coverages in mind. 

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Singapore.

Imagine you're all set for your vacation to Singapore. You've got your itinerary planned, bags packed, and excitement levels through the roof. However, your flight encounters unexpected delays due to severe weather conditions. Here's where AXA Travel Protection’s "Trip Delay" coverage comes to assist. While waiting for the skies to clear and your flight to take off, you find comfort in knowing that your policy offers coverage for additional expenses incurred during the delay. Whether it's the cost of a meal at the airport or an unplanned overnight stay in a hotel, your travel insurance has got you covered. In times of escalating challenges, AXA is here to assist you in devising a strategic course of action. Here’s the full list of benefits AXA Travel Protection Plans have to offer:

Medical Benefits:

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits:

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Additional Optional Travel Benefits:

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I need Travel Insurance for Singapore?

Starting February 13, 2023, visitors to Singapore are no longer mandated to have travel insurance. However, it's highly advised for all travelers to consider obtaining a thorough travel insurance policy that includes coverage for medical emergencies, trip cancellations, and delays. Why? There are several reasons:

Singapore, known for its top-notch healthcare, might surprise you with unexpected medical costs. With coverage for emergency medical expenses, you're offered coverage and assistance for any unforeseen life events.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue.

Despite Singapore's efficient travel network, unexpected delays can happen. The "Trip Delay" benefit comes in handy, covering extra expenses like meals and accommodation so your travel hiccups do not turn into headaches.

How much does Travel Insurance cost for Singapore?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Singapore will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Singapore hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses. The Platinum Plan is your go-to choice if you're looking for extra coverage for Singapore’s experience. " Cancel for Any Reason " offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Singapore's stunning landscapes in a rental car. For avid golfers planning a swing through Singapore’s world-class golf courses, the "Loss Golf Days" benefit is exclusive to Platinum plan policyholders. This optional benefit steps in to offer reimbursement for pre-paid golf arrangements that you might be unable to utilize due to specified golf closures.

What types of medical coverage do AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

• Emergency medical expenses 
• Emergency evacuation & repatriation 
• Non-medical emergency evacuation & repatriation 

Emergency Medical: Offers coverage when unexpected health issues happen, like broken bones, burns, sudden illnesses, or allergic reactions.

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Non-Medical Emergency Evacuation and Repatriation: Comes into play when you urgently need to leave a place for reasons not related to health. This coverage may assist with evacuation in non-medical situations, such as natural disasters or civil unrest.

Are there any COVID-19 restrictions for travelers to Singapore?

Entry into Singapore for all travelers is permitted without the need for entry approvals, pre-departure tests, on-arrival tests, quarantine, or mandatory COVID-19 travel insurance.

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

1. Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance to Singapore?

Purchasing travel insurance for your trip is advisable as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3. Do Americans need travel insurance in Singapore?

From February 2023, Singapore no longer requires travel insurance for visitors, but it's still advised. Given Singapore's reputation for outdoor activities like kayaking and hiking, having travel insurance is essential for emergencies.

4. What is needed to visit Singapore from the USA?

Documents required for entering Singapore include a passport valid for a minimum of six months, an SG Arrival Card (which you can obtain via the ICA website), bank statements demonstrating adequate funds for your stay in Singapore, and a confirmed onward or return flight ticket.

5. What happens if a tourist gets sick in Singapore?

If you become sick in Singapore, travelers with AXA Travel protection can contact the AXA Assistance hotline at  855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions. AXA Assistance USA, Inc.© 2023 All Rights Reserved. 

AXA already looks after millions of people around the world

With our travel insurance we can take great care of you too

Get AXA Travel Insurance and travel worry free!

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Speak with one of our licensed representatives or our 24/7 multilingual insurance advisors to find the coverage you need for your next trip.

Enjoy 20% OFF travel insurance

Use your Metrobank debit and credit card to avail!

Promo Mechanics

What are the mechanics.

The promo is exclusive for the following Metrobank credit and debit cards:

a. Metrobank Peso Visa/Mastercard, Metrobank Vantage Visa/Mastercard, M Free Mastercard, Titanium Mastercard, Platinum Mastercard, World Mastercard, NCCC Mastercard, PSBank Credit Mastercard, Toyota Mastercard, Rewards Plus Visa, Femme Visa, Femme Signature Visa, Cashback Platinum Visa, Travel Platinum Visa and Metrobank Debit cardholders in good standing only.

The promo is not applicable to ON Internet Mastercard, Metrobank Dollar Mastercard, Metrobank Prepaid and YAZZ Prepaid Visa cards.

Promo runs from September 30, 2023 to December 31, 2023 only (“promo period”).

a. AXA booth in The Metrobank Fair (Cebu): November 17 – 19, 2023

b. Online via Metrobank & AXA Smart Traveller page axa .com .ph/travel-insurance?partner=mcc from September 30 until December 31, 2023.

Promo is exclusive for purchases made through either the AXA booth in the Metrobank Fair Cebu (from November 17 to 19, 2023) or through the Metrobank & AXA Smart Traveller page: axa .com .ph/travel-insurance/?partner=mcc (from September 30 to December 31, 2023).

Use your Metrobank credit or debit card and input the Group Code MBAXA20 to get 20% premium reduction on travel insurance.

Available for travelers aged 18-70 years old for adults and 0 -17 years old for children which must be accompanied by their parents or guardian.

For travelers age 71 years old and up, please call our AXA customer care hotline to assist you and provide the code MBAXA20 .

Qualified Metrobank cardholders are entitled to avail of the Group Code MBAXA20 for purchase of travel insurance provided that the sale transactions are settled within the promo period.

Applies to new Domestic and International Smart Traveller Single Trip and/or Annual Multi-Trip policies.

The Group Code MBAXA20 may be used for multiple purchases within the promo period. Failure to key-in the appropriate promo code shall disqualify the cardholder from availing the discount.

The travel insurance coverage will be valid within the travel period that will be indicated upon purchase.

Valid government-issued ID of the traveler is required to purchase AXA Smart Traveller.

Qualified Metrobank cardholders must visit either the AXA booth in the Metrobank Fair - Cebu (from November 17 to 19, 2023) or the Metrobank & AXA Smart Traveller page: axa .com .ph/travel-insurance/?partner=mcc (from September 30 to December 31, 2023) and proceed with the following steps to avail of the promo – refer to step by step guide below:

a. In the AXA Smart Traveller page, click "Get a Quote" and enter the following travel details:

Trip Type - Single Trip or Annual Multi-trip

Trip Type 2 – International or Domestic

Destination

Departure date

Return date

Number of adults and children travelling

Group code: MBAXA20

b. Based on travel details entered, select the desired travel insurance plan based on preferred set of benefits and coverage amount limits. Note: Reduced premium will be reflected when selecting the plan.

• For international travelers, select either Essential, Classic, or Elite plan type.

c. Indicate required details of the traveler including beneficiaries.

d. Review travel insurance plan selected, travel details, and personal information entered.

e. Settle payment by clicking "Buy Now".

f. On the payment page, indicate and pay using the qualified Metrobank credit or debit card.

g. Once payment has been made, a confirmation and a copy of the travel insurance policy will be sent through the cardholder’s nominated e-mail address.

Note: The terms of use and other policies of the AXA website shall apply.

By availing of the AXA Smart Traveller under this promo, the cardholder agrees and consents that his/her personal data (e.g. name, birthdate, gender, address, email address, card number, expiry date, CVV, etc.) may be used, collected, processed and/or stored by AXA in accordance with its data privacy policy/ies for the purpose of implementing this promo.

Metrobank and AXA Philippines reserve the right to modify, suspend, or change the service or certain terms and conditions thereof subject to DTI approval. In the event that, modifications, suspension or changes are made, these will be posted on the Metrobank website immediately.

The use of the Metrobank credit and debit card in connection with this promo is subject to the terms and conditions governing the issuance and use of Metrobank credit and debit cards.

Metrobank reserves the right to disqualify a previously approved transaction subsequently cancelled or charged back within the promo period. Should a cardholder receive the discount, but was later on deemed unqualified for not meeting the requirements of the promo due to disputes arising from, but not limited to, erroneous, invalid, fraudulent or unauthorized transactions, the cost of the discount shall be charged by Metrobank to the cardholder’s credit or debit card account.

The terms and conditions governing the issuance and use of Metrobank credit and debit cards, reminders and other provisions contained in the card carrier, statement of account, charge slips and other documents or instruments, which are made an integral part hereof by reference, shall likewise be resorted to in instances where they are applicable in this promo.

Any dispute concerning the products or services of AXA under this promo shall be settled directly between the cardholder and AXA. Metrobank shall not be responsible for any liability in the event of such dispute.

In case of dispute in respect of Metrobank only and the cardholder’s availment of and eligibility for the promo, the decision of Metrobank shall be considered final.

By joining or availing of this promo, the cardholder confirms that he/she has read, understood and agreed to the promo mechanics and its terms and conditions.

Metrobank is regulated by the Bangko Sentral ng Pilipinas with telephone number: 8708-7087 and email address at consumeraffairs @bsp .gov.ph.

Eligible Cards

Titanium Mastercard

Platinum Mastercard

Toyota Mastercard

Cashback Visa

Rewards Plus Visa

Standard Terms and Conditions apply.

Per DTI Fair Trade Permit No. FTEB-176588, Series of 2023.

Other Promos

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