uk travel insurance axa

For your holidays in Europe and abroad

Travel insurance for europe .

Europe may be known to world leaders and businesses for its central position in trade and commerce or its unique geographical location between the two ‘Old World’ continents – Asia and Africa. But for travelers and explorers worldwide, it is a destination that offers the best of everything. From a vibrant history and cultural heritage to arts, architecture, nature, and food, Europe is diverse in every sense of the word. It offers everything that one may wish for on vacation. It also caters to all types of travelers. Whether you’re a backpacker or one who goes all out on their trips, you can explore Europe in your style. No wonder everyone has Europe on their list of must-visit places. Considering how popular a travel destination in Europe is, you may already know a thing or two about the region. However, travelers often overlook a few things that are worth knowing. Let’s take a look…

Discover our Travel Insurance for Europe

Travel insurance germany | travel insurance italy, is travel insurance for europe a requirement , europe travel faqs, what documents do i need to travel to europe.

• Passport with a minimum of six months validity and at least one blank page for every European country you intend to visit.

Does Europe require International Medical Coverage?

What vaccinations are required to visit europe.

• Hepatitis A and B
• Tick-borne Encephalitis
• Routine Vaccines – Flu, Polio, MMR, Shingles, Chickenpox, and Diphtheria-Tetanus-Pertussis

What is the best time of year to visit Europe?

What is the local currency of europe and its exchange rate for usd, are credit cards widely accepted in europe if yes, which ones, what local customs and cultural norms tourists visiting europe should be aware of.

• Tipping isn’t as common in Europe as in the US.
• Don’t expect everyone to know English in countries other than the UK.
• Beware of pick-pocketing; it’s common in many parts of Europe.
• In Italy, denying food is considered impolite, so it is best to accept it when offered.
• Americans are often referred to as irritating in Europe due to their loud nature. Be polite and talk at a lower volume as much as you can.

AXA already looks after millions of people around the world

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

AXA travel insurance review

Discover what axa travel insurance includes, plus our verdict and what customers think of its service..

In this guide

What types of policy are on offer?

Cover limits, claims process, managing your policy online, axa customer reviews, pros and cons, our verdict, frequently asked questions.

AXA is an international financial services company with millions of customers. We’ve analysed AXA’s travel cover options, and shared what its customers said about the service in our satisfaction survey.

AXA offers three types of policy.

• Single trip travel insurance. Cover for one trip overseas, for a maximum of 120 days.
• Annual multi-trip insurance. A year’s worth of cover for as many trips as you want, for a maximum of 45 days at a time.
• Family travel insurance. Cover up to 10 people on one policy, either for a single trip or an annual multi-trip policy.

For each policy, you can choose between bronze, silver, gold levels of cover. Here are the key differences between the policies.

• Bronze. You’ll be covered for up to £ 10 million worth of medical expenses, £ 1,000 of lost, stolen or damaged belongings, or £ 1,000 of losses from cancelled flights.
• Silver. You’ll be covered for up to £ 10 million worth of medical expenses, £2 ,500 of lost, stolen or damaged belongings, or £2 ,500 of losses from cancelled flights.
• Gold. You’ll be covered for up to £ 15 million worth of medical expenses, £5 ,000 of lost, stolen or damaged belongings, or £5 ,000 of losses from cancelled flights.

With all policies, you’ll be automatically covered for over 70 sports and activities.

You can choose to include these optional add-ons to your policy: winter sports, extra sports and activities, cruise cover, golf cover.

You can make a claim by calling 0330 024 1308 or via the AXA travel insurance website.

Either way, you’ll need to prepare your policy number and various details about your claim. This could include your flight details, medical reports, crime reports etc.

To manage your policy online, click “Log In” on the AXA website.

In Finder’s 2021 customer satisfaction survey, AXA was highly commended, with 4 stars out of 5, and 80% of customers saying they’d recommend the brand. Customers praised “helpful” staff who were “easy to deal with”, and several had had a good experience when making a claim. The company has received over 4,000 reviews on the reviews platform Trustpilot. As at January 2021, its average rating was 4.1 out of 5.

• Plenty of policies to choose from
• High levels of cover
• Cover for up to 10 family members on one policy
• A lot of activities only available as paid add-ons
• Not as cheap as some of its competitors

AXA has a reputation for offering high levels of cover, and it’s no different for its travel insurance policy. Customers are positive about the service they get, and all in all, this brand is well worth considering.

Can I get covered if I have a pre-existing medical condition?

Is there an age limit for axa travel insurance, travel insurance scores.

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

To find out more, read our full methodology .

Danny Butler

Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full profile

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Travel Insurance

MULTI TRIP TRAVEL INSURANCE

Offering up to 62 days continuous cover per trip, Annual Multi-Trip Travel Insurance could well work out to be a wise choice.

SINGLE TRIP TRAVEL INSURANCE

Single Trip Travel Insurance is ideal for those ‘one-off’ City Breaks, Late Escapes or that long-awaited Annual Family Holiday.

COVID Cover Clarity

Covid-19 (coronavirus) cover explained.

We understand that it is important you know what cover is in place if Coronavirus or Covid-19 affects your trip. Our travel insurance policies include cover for coronavirus including cancellation due to falling ill with coronavirus and being unable to travel or being required to self-isolate...

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For 50 years we have been offering travel insurance policies to all kinds of people going to all kinds of destinations...

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Best travel insurance UK 2024 guide

We all deserve a break now and then. And the last thing you want to think of when booking your holiday is something going wrong. But it’s better to be prepared than caught off guard. That’s why you should always consider travel insurance when going on a trip.

But how can you find the best travel insurance policy for your needs? Read our guide below to find out more.

Why do I need travel insurance?

Travel insurance protects you financially if your trip away doesn’t go as planned and you incur unexpected expenses for delays, losses or medical treatment.

All travellers can benefit from travel insurance. But travel insurance is particularly important if you are going on an independent trip without a tour operator, because if something goes wrong, you will have no other help.

There are three main types of travel insurance:

• Single-trip cover: this is the most typical form of travel insurance, covering you for a one-off trip or holiday. There will be a time limit on the cover that can range anywhere between one month and 365 days
• Annual multi-trip cover: this allows you to make multiple trips, or have multiple holidays, in a 12-month period, all under the same travel insurance policy. There may be a cap on how long each individual trip can be
• Long stay, or backpacker, cover: this is normally used for around the world trips, gap years, and longer cruises, and can last for up to 18 months

To find the best UK travel insurance, compare policies before you go to ensure you get the right coverage for you and the specific trip you’re planning.

How to find the best travel insurance policy

When comparing policies to find the best travel insurance for your trip, you should consider: 

• Type of cover you need
• Excess (how much you’ll be expected to pay out yourself before the policy will cover you)
• Amount of medical coverage, and why pre-existing conditions aren’t included
• Limit on baggage claims
• Coverage for specific sports and activities
• Any potential rewards and discounts
• Add-ons, such as gadget insurance

Best travel insurance deals and discounts

Looking for the best travel insurance deals from the best travel insurance companies? In most cases, the easiest way to find the best travel insurance deals is to use a comparison website. Travel insurance comparison websites let you compare costs and coverage side by side to find the best UK travel insurance.

The four main comparison websites – Moneysupermarket, Comparethemarket, Confused.com and GoCompare – also often have certain deals and discounts when you buy travel insurance from them, offering some of the best travel insurance deals on the market.

Moneysupermarket : Find the same deal for less, and it will price match and give you a choice of a £20 gift card. Only on annual travel insurance.

Comparethemarket : Two for one cinema tickets with Meerkat Movies and savings at restaurants when you dine out or order pizza in with Meerkat Meals, as well as 25 per cent off coffee and pastries at Caffè Nero every day of the week through the Meerkat app.

(In November 2023, Confused.com and GoCompare had no deals or discounts for travel insurance).

Price is obviously a big consideration when you are looking for the best travel insurance – you’ve probably already spent a lot on your holiday. But you may be able to get much better coverage for just a few pounds extra, so it’s worth scrolling down the comparison site’s list of providers before buying.

Medical costs abroad will undoubtedly be the biggest expense you face if you fall ill abroad, so don’t scrimp on those.

Then think about your next biggest expense (probably cancellation/interruption of your trip) and make sure that you have high-value coverage for that.

If you find you can get much higher coverage (the maximum amount you can claim per type of claim, such as medical or baggage) for not very much more money, go for the slightly more expensive option.

Going direct

Comparison sites won’t always find you the cheapest deals, however. For example, Direct Line offers some of the best travel insurance with Covid cover and is not on comparison websites.

Some of the best travel insurance companies also offer discounts for buying directly from them, as follows:

Bundled coverage options

When looking for the best travel insurance for your holiday, it can make sense to buy a bundle of coverage under one policy.

Comparison websites will often offer add-on gadget cover, winter sports cover or cruise cover all under the one policy. If you need that extra cover, it is typically cheaper to buy your travel insurance this way rather than as separate policies.

What is covered by travel insurance?

The best travel insurance companies will offer you comprehensive coverage across all types of claims. It’s easy to compare the best travel insurance deals using a comparison website.

Medical coverage

This covers you for medical expenses you incur if you become ill or have an accident while away. The best UK travel insurance will have a high level of medical coverage.

For example, medical coverage will pay for any necessary treatment if you come down with severe food poisoning or you fall through a window and have to be taken to hospital in an ambulance.

• Avoid hefty bills or debt for medical assistance outside the UK
• Access better treatment – for example, at private vs public hospitals
• Often, as long as you declare existing conditions or pending treatment or tests, you are covered if you fall ill during your trip (check policy exclusions)
• Even the best travel insurance companies will likely charge you more if you have a pre-existing medical condition
• You might have to pay part or all your medical expenses first, then claim on the policy afterwards
• Even the best travel insurance companies do not cover events that happen after you have consumed alcohol excessively or taken recreational drugs or other substances

Trip cancellation/interruption

This insurance pays out the cost of your missed trip if you have to cancel or cut your holiday short due to unforeseen circumstances.

For example, cancellation insurance would normally pay out if you broke your leg just before you were due to travel and had to cancel your trip.

Interruption insurance would cover you if you had to come home early for certain reasons beyond your control – for example, if the area you were staying in was engulfed in wildfires.

• Money you would have lost on pre-paid, non-refundable travel expenses is paid to you under the policy
• It can be especially valuable if the trip you are planning is very expensive, as this is money you would lose if you couldn’t go
• You’ll usually only be covered if your trip is cancelled or cut short for specific reasons listed in your policy
• You usually won’t be covered if you miss your flight because you are held by customs or cancel because of a work issue or a pre-existing medical condition that is not covered

Baggage cover

This insurance covers the cost of replacing your luggage if it is lost or stolen.

For example, if an airline loses your luggage in transit or your suitcase is stolen from your hostel while you’re away, you can make a claim for the cost of replacing its contents.

You may also be able to claim for costs related to baggage delay if the airline temporarily misplaced your baggage.

• You can claim for the actual cash value of your belongings or the cost of replacing them (whichever is less)
• High-value items, such as jewellery or sports equipment, can be very expensive to replace without travel insurance
• Standard policies usually place per item and total limits on claims.
• If you are taking very expensive items away, check your policy carefully to ensure that you’re covered (and potentially get a separate policy)
• Some items could be covered by your home insurance policy, so check your policy carefully to see what is any isn’t. It’s also important to note that, should a lost item be covered by both policies, you can only claim once; an attempt to claim twice would be considered fraud

Personal liability

This insurance covers you if you are held responsible for harming another person or damaging their property.

For example, it covers you in situations where you cause serious damage to your holiday accommodation or accidentally stumble into someone else, causing them to need medical treatment.

• The cost of defending yourself in a legal case or repairing/replacing damage could be extremely costly without travel insurance
• Your travel insurance company will take over dealing with a foreign legal system
• You’re covered for the cost of any compensation (up to certain limits)

Limits: 

• Not all travel insurance provides personal liability as standard
• Policies may exclude personal liability while you partake in adventure activities
• Claims related to you committing a crime or damage by wilful negligence won’t be covered
• You likely will not be covered if you admit liability or make an offer to pay before talking to your insurer

Finding the best travel insurance with Covid cover

Looking for the best travel insurance with Covid cover? Many travel insurance policies now include cancellation cover for reasons related to Covid. This often applies within two weeks of being due to travel, according to the Association of British Insurers, but individual policies can vary.

To make a claim, insurers often require proof in the form of a medically approved positive Covid test. A lateral flow test or self-diagnosis is usually not accepted.

What Covid-related cover to look for

The best travel insurance with Covid cover should include the following:

• Cover if you can’t start your trip because you tested positive for Covid before travelling
• Cover if you or family members cannot return home because you/they test positive for Covid during the holiday
• Cover for additional costs, such as alternative flights, accommodation and Covid tests
• Cover if you cannot reach your final destination during transit due to Covid-19

Travel insurance providers with comprehensive Covid cover

Looking for the best travel insurance providers with Covid cover? Most travel insurance policies now offer some kind of Covid cover, but Churchill, Direct Line, M&S and Aviva have some of the most comprehensive offerings, with cover for cancellations and expenses related to Covid.

• Covid covered as standard on travel insurance policies
• Cover for trip cancellations if you, a close relative or a travelling companion is diagnosed with Covid-19 or another pandemic disease
• Cover if you or a person you’re planning to stay with must quarantine (abroad or in the UK)
• Cover if you can’t use pre-booked and pre-paid accommodation affected by Covid-19
• Cover for quarantine or where the Foreign, Commonwealth & Development Office (FCDO) advises against travel within 28 days of departure
• Cover for emergency medical expenses abroad due to Covid-19

Direct Line

• Cover for travel to a destination where the FCDO is advising against all but essential travel 
• Cover for medical expenses if you catch Covid-19 while you’re away 
• Cover for additional accommodation and transport if you have to quarantine due to Covid
• Cover for cancellation costs if you or a close relative get Covid-19 before you go
• Cover for quarantine or if the FCDO changes its advice after you book your trip
• Cover if you have to cut your trip short if the FCDO changes its country advice unexpectedly

• Cover for emergency medical expenses if you catch Covid-19 during your trip
• Cover for unrecoverable costs up to £6,000 if you must cancel your trip or return early, including if you have to self-isolate or quarantine before you travel due to Covid-19
• Cover for if you need to cancel your trip due to a positive Covid-19 test or if the FCDO advise against travel to your destination in the 31 days leading up to your trip
• Providing you haven’t travelled against FCDO advice, you’ll also be covered if you catch Covid-19 while abroad

• Coverage of up to £5,000 per person if you must cancel your trip due to getting Covid (you’ll need to provide confirmation and evidence of a positive test result)
• Cover for Covid-related emergency medical treatment and expenses while away
• Cover if you unexpectedly need to quarantine, including extra travel and accommodation costs to get home (provided a return trip was booked) 
• Cover for costs for any accommodation and excursions unused due to getting Covid where the costs can’t be recovered elsewhere
• No cover you if you travel against FCDO advice*
• No cover if you can’t travel because you don’t meet the entry requirements of a country (such as having had Covid vaccinations)*

* It’s worth noting that these clauses are not unusual and the majority of providers will have something similar

Tips for selecting the best UK travel insurance packages

Need some help picking the best UK travel insurance packages to make sure that you get the best travel insurance deals? Here are some tips for picking the best policy features for you.

Coverage limits

When looking for the best travel insurance companies to go with, check coverage limits. These are the maximum amounts your travel insurer will pay if you need to claim. You’ll see when you compare travel insurance policies that coverage limits vary for each type of claim and between policies.

The government-backed MoneyHelper website recommends that the best UK travel insurance should have the following minimum coverage for each type of claim:

• Medical: £1m or more for travel to Europe and £2m or more for the US
• Cancellation/interruption: £2,000 or more
• Missed departure: £500 or more
• Delay: £200 or more
• Baggage cover: £1,500 or more
• Personal liability cover: £2 million or more

Deductibles/excess

Deductibles, also known as the excess, is the amount you have to pay out of your own pocket before your travel insurance will start paying for your claim.

You have to make a trade-off when it comes to choosing the excess and the best travel insurance policy for you.

The lower the excess on a travel insurance policy, the better for you if you have to claim because you will have less to pay from your own pocket (or, more often, deducted from your claim).

But lower excess travel insurance policies are more expensive because the insurer knows it has more to pay out if you claim. Higher excess policies are cheaper, but you’ll have more deducted from your claim.

An exclusion on a travel insurance policy is an event the policy will not cover you for.

Common exclusions on a standard travel insurance policy may not be obvious. According to the ABTA – The Travel Association, these include:

• Incidents that occur after drinking too much alcohol or taking drugs
• Theft of unattended possessions
• Sports, extreme sports and activities such as skiing, white water rafting and bungee jumping
• Medical treatment resulting from existing medical conditions you have not declared or conditions preventable by vaccine or advisable medication, such as antimalarials
• Medical costs if you stay abroad after your doctor says you are fit to return to the UK
• Strikes and industrial action if it was known when you booked your trip
• Rescheduled flights where the airline has cancelled and then rescheduled your flight
• Travel to destinations where the FCDO advises against all but essential travel

To get the best travel insurance deals, one way around some of these exclusions is to buy add-ons for adventure activities. In addition, make sure to declare all pre-existing conditions and keep an eye out for any travel disruptions before you book.

Pre-existing conditions

Pre-existing conditions are illnesses or medical conditions you have and are aware of before you travel.

Travel insurance companies will ask you to disclose any pre-existing conditions. If you use a comparison website, it will be among the first questions you’re asked before it shows you quotes. It’s important to be honest.

Some travel insurance companies, but not all, will offer cover for pre-existing medical conditions, while others will offer cover but exclude any claims arising from that medical condition. This will depend on the person being covered and the medical condition.

Most price comparison websites include an option to show insurers who do offer coverage for pre-existing conditions, so that would be a good place to start.

The following are likely to be considered pre-existing conditions you should disclose, according to the government-backed MoneyHelper website:

• A condition where you are on a list for an operation
• A condition where you are waiting for test results
• Anything you have been to the doctor about in the last year, including minor things
• Any serious conditions you’ve ever had – for example, cancer, heart trouble, respiratory problems or a mental health breakdown

A good tip for everyone, but especially if you have a pre-existing condition, is to buy your travel insurance as soon as you book your holiday. If your condition gets worse and forces you to cancel your plans, you’ll be covered from the day the policy starts.

On family group policies, the cost will be determined based on the riskiest traveller (according to insurers), which could be someone with a pre-existing condition or an older individual. In this case, it is often cheaper for the group for that person to get a separate policy.

Add-on options

Add-ons are extras you can purchase in addition to a standard travel insurance policy. They cost a bit more, but you may find you’re not covered without them. 

Gadget insurance

This covers things that a standard policy may not, such as your mobile phone or laptop. If these items are covered, you may find the claim limits are far less than the cost of replacing them.

Before you add this option to your travel insurance, check your home insurance policy, because you may already be covered.

Winter sports/adventure activities

Riskier activities, such as skiing or white water rafting, often require extra holiday insurance because insurers think that you are more likely to need to make a claim doing these things.

Winter sports/adventure activities cover is worth getting, or you may find you are not covered for medical expenses if something goes wrong.

Standard travel insurance is generally meant for land-based holidays so you’ll need to opt for a specialist cruise policy if your holiday is a cruise.

European FCDO travel advice extension

Most standard travel insurance policies are invalid if you travel when the FCDO advises against “all but essential travel”.

This add-on allows you to travel to Europe with a valid travel insurance policy, even if the FCDO has advised against it.

This can be an expensive add-on, but if you really must travel to a risky area, you will need this extension in order to make sure you have cover.

Best holiday insurance summary

Choosing the right travel insurance is an essential part of enjoying peace of mind while you are on holiday.

When looking for the best travel insurance deals, don’t just pick the cheapest policy. Instead, look for the cover limits that match your requirements. For example, baggage cover of £5,000 isn’t worth having if your baggage is worth £1,000; cancellation cover up to £10,000 isn’t worth having if your holiday cost you £2,000.

The easiest way to compare the best travel insurance is usually by using a travel insurance comparison website.

Think about the sort of activities you’ll be doing while you’re away. You may need extra holiday insurance for things such as winter sports or scuba diving or if you are going on a cruise.

Be honest about any pre-existing conditions when buying your travel insurance, or you won’t be covered if you have to claim.

The best travel insurance is a safety net for you and your family to enjoy your trip away stress-free, knowing that you’re covered for everything from medical expenses to cancellations if things go wrong.

Frequently asked questions about the best travel insurance UK packages

Is travel insurance necessary for domestic travel within the uk.

Even where medical costs in the UK are covered by the NHS, a sudden illness could lead to other expenses, forcing you to cancel your trip, the costs of which travel insurance would cover.

Lost or stolen luggage and broken gadgets or other claims for damage can just as easily occur in the UK as abroad.

What is annual travel insurance, and is it a good option for frequent travellers?

Annual travel insurance is a policy that covers you for multiple trips away within any 12-month period. It is often cheaper than buying a separate policy for each trip if you are planning to go away multiple times in one year.

Annual travel insurance is also useful if you are planning a long trip visiting several countries, as often insurers require you to buy travel insurance before you leave the UK rather than abroad mid-trip.

Are there any travel insurance companies that specialise in certain types of trips or travellers?

Specialist travel insurers cater to specific groups of people. It can make sense to seek out travel insurers that cover your needs.

Adventures Insurance, Sports Cover Direct and Snowcard tailor their travel insurance to those who enjoy activity holidays and extreme sports, for example.

Senior travellers are the focus of policies from All Clear, Avanti, Co-op Insurance Services, Free Spirit Flex, Good 2 Go Extra, Goodtogo Insurance, Saga, Staysure and Total Travel Protection.

Insurers offering business trip cover include Allianz, Direct Line, Coverwise and Insure & Go.

How do I make a claim with my travel insurance company?

To claim on your travel insurance while you are away, make sure that you take your policy number with you and the emergency number for your insurer. If you are travelling abroad, take any international numbers too.

Call your insurer as soon as you realise you need to make a claim. Keep all receipts and medical expense forms. If you are travelling with other people, make them aware of your policy details and the insurer’s phone number in case they need to call on your behalf.

To make a claim when you return home, check the following:

• You haven’t left it too late to make a claim
• What you’re claiming for is covered
• The excess is not more than the value of your claim (if so, it’s not worth claiming)

Notify your insurer as soon as possible for a claim form, send it back fast and keep a copy of it. You should also include copies of paperwork to support your claim, such as receipts or medical certificates (keep copies of the originals in case your claim is queried or refused).

Laura Miller

Laura Miller is a freelance journalist, editor, and producer. She has a wealth of consumer finance experience, having written about money matters and business for over 15 years.

During her tenure as a freelance writer, she has worked for ITN, Wired, and The Sunday Times, as well as financial institutions such as Aegon, the Chartered Insurance Institute, and Pension Bee, where she’s presenter of the Pension Confident Podcast.

Laura has previously held roles at The Times, where she was the Acting Editor of Times Money Mentor, The Telegraph as a senior finance reporter and was the co-host of the It’s Your Money Podcast, which was renowned for making complex finance issues accessible, and The Financial Times, where she worked as a News Editor. Laura has also worked at CNN, Politics.co.uk, and as a producer at Radio 5 Live.

Connor Campbell

Connor Campbell is an experienced personal and business finance writer who has been producing online content for almost a decade. 

Connor is the personal finance expert for Independent Advisor, guiding readers through everything they need to know about car insurance and home insurance. From how much it costs to the best insurance providers in the UK, he’s here to help you find the right policy for your needs. 

In his capacity as writer and spokesperson at NerdWallet , Connor explored a number of topics close to his heart, such as the impact of our increasingly cashless society, and the hardships and heroics of British entrepreneurs. His commentary was featured in sites such as The Mirror , the Daily Express and Business Insider . 

At financial trading firm Spreadex, meanwhile, his market commentary was featured in outlets such as The Guardian , BBC , Reuters and the Evening Standard . 

Connor is a voracious reader with an MA in English, and is dedicated to making life’s financial decisions a little bit easier by doing away with jargon and needless complexity.

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COVID Information |  Click here to learn more about our COVID Travel Insurance

Why should I purchase Travel Insurance? 

Whether you're embarking on a weekend getaway  or a month-long adventure, unexpected events can happen. An AXA protection plan can help ease your mind and help safeguard your trip, offer reimbursement for covered medical costs, and provide travelers with 24/7 access to assistance services, among other benefits.

Need to cancel your trip due to an unforeseen event? 

Get coverage for your trip against illnesses, injuries, and natural disasters. Travel insurance can reimburse you for your prepaid, non-refundable trip costs.

Was your luggage lost or stolen? 

Our travel plans can offer reimbursement for the value of your belongings, up to the policy limit. This includes coverage for lost or stolen passports, visas, or other important travel documents, as well as any necessary expenses related to replacing these items.

Stranded due to unexpected travel delays?

Whether it’s rebooking your flight, finding alternative transportation, or providing a place to stay, our 24/7 travel assistance team is here to help!

Is domestic and international medical coverage provided?

Our travel plans can provide up to $250,000 in medical coverage domestically and internationally for emergencies and accidents while traveling.

SILVER PLAN

Best for Domestic Travel

• 100% of Insured Trip Cost for Trip Cancellation
• $25,000 Emergency Accident & Sickness Medical
• $750 Baggage & Personal Effects

Best for Cruise

• $100,000 Emergency Accident & Sickness Medical
• $1,500 Baggage & Personal Effects

PLATINUM PLAN

Optional Cancel For Any Reason Coverage

• $250,000 Emergency Accident & Sickness Medical
• $3,000 Baggage & Personal Effects

AXA Customer Reviews

4.8 base on 1085 reviews in

Compare Our Silver, Gold, Platinum Plans

Axa travel insurance benefits.

Medical Travel Benefit

AXA offers coverage for certain emergency medical expenses that result from an accidental injury or illness while traveling as well as emergency medical evacuation and repatriation. Learn more

Trip Cancellation

We can reimburse you up to the maximum benefit of your selected travel plan, that is due to an unforeseen event including illness and inclement weather and other covered reasons. Learn more

Emergency Evacuation

AXA Offers coverage for medically necessary evacuations and repatriation as directed by a physician to the nearest adequate medical facility or your home. Learn more

Baggage Loss

AXA offers reimbursement coverage in the event your baggage or personal effects are lost damaged or stolen during your trip. Learn more

Cancel For Any Reason

AXA offers coverage up to 75% of your prepaid nonrefundable trip costs if your trip is cancelled for any reason. Learn more

Trip Interruption

AXA offers coverage for your non-refundable trip costs in the event you cannot continue on your trip due to a covered reason. Learn more

MY TRIP COMPANION

Not just a travel app but a comprehensive travel assistant that enhances your travel experience.

Frequently asked questions about travel insurance, what is travel insurance, what does travel insurance cover on a cruise, why choose axa, how much does travel insurance cost, what is a pre-existing medical condition, does travel insurance have covid benefits.

Travel Assistance Wherever, Whenever

Speak with one of our licensed representatives or our 24/7 multilingual insurance advisors to find the coverage you need for your next trip. From Medical Coverage to Trip Cancellation Protection, our team of travel experts will help you choose the right coverage.

Make the most out of your travels. Get AXA Travel Insurance and travel worry free!

Over 20 Years of Experience | Located in 30+ Countries | 24/7 Travel Assistance

Common concerns about travel insurance.

• It is a clever idea to purchase travel insurance If you are willing to protect your trip from variety of common travel-related incidents, including trip cancellations, flight delays or cancellations, lost or stolen baggage, and medical emergencies.

• Travel insurance provides coverage against medical expenses, reimbursement for lost or stolen luggage, compensation for expenses incurred due to travel delays and more while you are travelling.

• Travel insurance is to provide financial protection to travelers in case of unexpected events. Without adequate insurance coverage, travelers may face significant financial losses and hardships if they encounter any unforeseen circumstances while traveling in the Schengen Territory.

• A good option for travelers who are concerned about unforeseeable events or who want the freedom to cancel their trip for any reason. When you purchase CFAR coverage, you can cancel the trip without losing your entire prepaid, nonrefundable vacation expenses. Exclusive to Platinum Package holders.

Suggested companies

Allianz partners usa, heymondo travel insurance, axa assistance.

AXA Travel Insurance UK   Reviews

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AVOID THIS COMPANY

It has been over a year and a half since I submitted my claim and I am still going back and forth with this incapable company. They can’t seem to do anything right and just keep throwing dribs and drabs of compensation at me. Just sort it out! Can honestly say I have never heard or had to deal with such an incompetent company I don’t actually understand how they are allowed to operate?

Date of experience : 20 June 2024

I’ve been on holiday to Fethiye paid…

I’ve been on holiday to Fethiye paid the extra for insurance as I suffer with diabetes ended up suffering a low sugar whilst on holiday and lucky enough a shop keeper and and ambulance for me. I left 2 days later and came bk to put my in and sent all that I was given from the hospital and receipt off my phone as I received bank statements that way and apparently not the s right information given and now they don’t want to pay my claim. Luckily isn’t wasn’t to much. But I’m rather annoyed as I should of just gone with no insurance as these are obvious frauds

Date of experience : 13 May 2024

A totally corrupt Travel Insurance company

A totally corrupt, money grabbing, Travel Insurance company, a key service travel partner with American Express; I have been a card holder for 25 years, and hope for a resolution through AMEX. My wife had a serious fracture on day #1 of our vacation. It was very complicated and required specialized surgery. They tried to fob us off to have surgery in Corfu. I sent a copy of the x-rays to the London Orthopedic hospital. Who referred me to a clinic in London as the fracture was not something they could repair; it was that bad. I was stunned. Also, a doctor in Corfu said, and put in writing "my wife could not fly home - commercial airline, she needed an air ambulance or private jet". AXA ignored it, saying their medical consultants disagree.. So I paid for a private jet. The operating surgeon here completed concurred with the Corfu Doctors. Flying home commercial was not a option. AXA offered me 3 seats on whatever airline it was to be. It was an impossible option. I sent photos to them and queried, (as she was in a wheelchair, her leg at 90=degree angle.) where can she sit then ?? I spent about 7 days arguing with AXA, to no avail. The surgery took 3 hours, and required a titanium rod, inserted in my wife's leg, from the knee to the ankle. Highly sophisticated surgery., to repair a 1000% freak accident. I am reaching out to AMEX for assistance. I do not think they will be thrilled in the way I have been treated, as a Platinum card holder since 1999. I will be pushing AMEX to find a good quality, reasonable, understanding Travel Insurance company for the future. Am fuming. I see i am not alone here.

Date of experience : 14 June 2024

Criminal. They need to be investigate. They put peoples lives in danger through their slowness and incompetence

Just don't even bother.

Customer service is non existent. My partner broke his leg a few days before we were meant to fly. Every link on their website to file a claim was wrong and wouldn't work, only saying that our policy didn't exist. I wasted hours trying to get it to work and in the end found a link myself that worked. Their phone lines are terrible. You're directed through 5 minutes worth of robots and when you finally get through to a person, they 'can't hear you'. I tried three different phones that work for every other phone call but AXA. And don't bother sending an email to complain- they don't check those either! I emailed well over a week ago (as you can't speak to them on the phone) and was promised a reply within the week but nothing has come through. I've never had such a horrible experience with a company. At such a stressful time, they make everything worse. The only thing they're good at is taking your money. Update: After finally getting through, they told us our claim hadn't gone through, even though we have the email saying it has. Not happy at all!

Date of experience : 06 June 2024

Reply from AXA Travel Insurance UK

Thank you for your feedback and we are sorry to hear about your partner unfortunately breaking their leg a few days before your trip, we can imagine how distressing this could have been for you both. We are sorry to learn of your experience and apologise if you feel that we’ve let you down. If you wish to make a complaint you can do so by contacting us on [email protected]. Alternatively if you would like to speak with a representative, you can locate our contact numbers within the policy wording.

They are awful

I cut my leg open skiing and have spent hours and 10+ conversations on the phone with them to get them to pay for my emergency medical bills but they've been useless. I've had to restart my claim multiple times due to the poor management of information.

Date of experience : 10 June 2024

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

Absolutely AWFULL !!!!!

Absolutely AWFULL !! Avoid at all costs !! I’ve paid out over £100 in doctors letters and have proved I couldn’t go on my holiday due to a suprise Illness and they are still refusing to pay mealy a year later ! Absolutely disgusting makes you wonder why I ever got insurance with them in the first place ! Please do not use !!!!!

Date of experience : 07 September 2023

Thank you for your review. We understand how frustrating it can be when your travel plans do not go ahead. Our team is committed to assisting our customers, and we regret that you've had a negative experience. We value your feedback and will work diligently to improve our services. I note that a complaint had been raised and an outcome has been provided to you however, I shall request that our Complaints Department contact you by email to respond to your query that has been raised

Terrible service , Tesco , AXA travel insurance …

Had to cancel holiday due to serious illness , all paper work sent in by the end of March. Call several times with no real information give. Contacted AXA on 22nd April to be told that all information was there and a settlement statement would be sent out in 5 day. 6 weeks later still no settlement statement! Registered a formal complaint, so then contracted complaints dept which was a complete waste of time , every person we spoke to told us no reason as to why claim hadn’t been paid. Every person said we will call you back in 48hours to tell you that the money had been paid , no phone call no money !! Finally after a 2 hour phone call as I refused to hang up got put through to the claims dept (on previous call had been told I couldn’t be put through claims dept) Chap in claims dept was helpful and within 2 working days of speaking to him money paid. I used this company for our travel insurance as it was through Tesco never again ! Trying to get through to Tesco is impossible! Don’t want anyone to make the same mistake as us using a company like Tesco and ending up with such bad service in what was already a stressful time !

We sincerely apologise for the distress and inconvenience you experienced during your recent claim process. We understand that dealing with a serious illness and the cancellation of your holiday was already stressful situation and I am sorry you felt this way regarding our service. I note that we have a complaint in for you at the moment and you will be receiving our outcome to our investigation shortly. We genuinely value your feedback and will use it as an opportunity to enhance our processes and provide a more empathetic and efficient claims experience for our customers. Thank you for bringing this matter to our attention, and we sincerely hope that you will reconsider using our services in the future.

Failure to assist TWO YEARS RUNNING!!

Failure TWO YEARS RUNNING!!! Last year they failed to fly my son home for medical treatment, they apologised but I had to take the case to the Ombudsman-we won this and the Ombudsman determined that Axa should alter their policy wording as it was "unclear". This year my son broke his arm (again!)and despite an entirely simple claim being submitted through my broker (all requested invoices and hospital reports scanned and emailed as soon as we arrived home), we are still waiting almost 2 months later for the claim to be settled. Axa are using delaying tactics yet again. Avoid this company at all costs!

Date of experience : 31 May 2024

Thank you for your recent review. Our team is actively working on reviewing the claim and will reach out to you as soon as we have an update. We genuinely value your feedback and will take the necessary steps to improve our processes to prevent such delays in the future. Thank you for your patience and understanding.

Would give 0 stars if I could!

Would give 0 stars if I could! Purchased travel insurance for absolutely nothing really! My son become poorly on holiday and I had to pay out of pocket I sent everything they asked for they then asked for more. Asking for parts of medical history that I will be charged by doctors for so I’ll be even more out of pocket! AVOID AVOID AVOID They are an absolute scam of a company!!! Disgusting. As for your reply… You seem to say the same to everyone. I have reached out for weeks I have escalated it to no avail. If you look at all the reviews on here they are all the same. It’s quite ridiculous and I hope in future everyone sees these reviews and nobody uses you! My son had a severe ear infection he’s a child! No history of them and that’s why we sign declarations. Your policy is shocking! You as a company should be absolutely ashamed of yourselves. I’m glad I’m not thousands out of pocket and not completely reliant on the refund as some people are. We are living in a world where everyone is struggling but you as a company are just fleecing people for money. YOU ARE A JOKE!!!!

Date of experience : 12 June 2024

We understand your frustration and disappointment regarding the situation you faced with your travel insurance claim. We strive to provide comprehensive coverage and support to our customers, and it's regrettable that your experience fell short of your expectations. We do explain within our Policy Wording exactly what is and is not covered. We also give all our customers a 14-day cooling-off period during which time they can read through the policy wording to ensure that the policy meets their needs. If this does not, then you can decide to cancel the policy with a full refund If you have any further questions or concerns, please do not hesitate to reach out to our customer service team. We are here to assist you in any way we can. Thank you for your attention to this matter.

They did everything to not pay

They did everything to not pay. The police wouldnt give a report for my loss and they used this as a caveat to not pay. Do not use them. They will not pay anything

Date of experience : 19 June 2024

We understand your frustration and disappointment regarding the situation you faced. We regret that the circumstances prevented us from providing the desired resolution. We do explain within our Policy Wording exactly what is and is not covered. We also give all our customers a 14-day cooling-off period during which time they can read through the policy wording to ensure that the policy meets their needs. If this does not, then you can decide to cancel the policy with a full refund. In the event you are able to provide a report reference number to our Claims Department that you obtained at the time rather than a loss report we will be in a position to look into this matter for you. If you wish to make a complaint you can do so by contacting us on [email protected]. Alternatively if you would like to speak with a representative, you can locate our contact numbers within the policy wording.

Still waiting response to claim from 15/2/24 (now June 2024)

Update 15.06.24 I didn't hear from AXA but after several further self initiated calls with various AXA people, I finally received a settlement and quickly, thank you. (for this reason only, I have raised my grading from 1* to 3*. However, your process is grossly flawed. Providing information on your processes and procedures to the customer would be greatly beneficial. My travel claim was initially submitted on 15/2/24 I spoke with a person named Andrew and a person named Dorcas. My emails to gwclaims @ axa-travel-insurance have been ignored, I have received read receipts but no response.

Date of experience : 15 February 2024

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

AOB111203307

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

Date of experience : 24 May 2024

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

Worst insurance company ever

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

Date of experience : 17 November 2023

Thank you for taking the time to write your review. We understand your disappointment and value your feedback. I understand that you have raised a complaint and this will be looked into by one of our skilled complaints investigators within 8 weeks.

DO NOT USE AXA TRAVEL INSURANCE...NOTHING BUT CROOKS

I lost my luggage on holiday so I had to buy clothes and essential items over there. I kept all my receipts. When I tried to make a claim AXA keep asking for more information which I instantly reply to. But they keep moving the goalposts and are asking for the impossible. The bloody crooks never want to pay out.

Date of experience : 28 May 2024

Unable to make contact after 2 hours! Very stressful

Purchased a policy with Leasureguard via AXA. Been trying for 2 hours+ to get thru to them. Phones are looped up getting nowhere. On line forms impossible to fill in as drop-down boxes don’t work so I’m stuck. I’m thinking this must be a scam company which has taken £250 off me and I’m unable to speak to them. All this from my home so goodness knows how I would fare in a foreign land needing help. The on line form just did NOT function at all (as others have stated on reviews) It ruined my day and my wife now blames me for using AXA. UPDATE Ive now spoken to an Indian woman whose name I have who is looking into my complaint. I’m not prepared to leave my policy number on this forum

Thank you for your review, we are really sorry to learn of the issues you have faced when trying to register your claim. I have sent you a request via Trustpilot requesting your telephone number, name and policy number so that we can escalate this matter with the appropriate team to enable them to call you back to help you with registering your claim. Please respond to the message privately with this information.

WORST COMPANY!

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

Date of experience : 23 May 2024

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

This company refuses to pay out

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

Date of experience : 17 May 2024

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

Claim submitted on the 29/04 by phone…

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

Date of experience : 15 May 2024

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

Its cheaper to not insure yourself

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

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

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 be 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 weeklong, $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 policyholders.

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 plans 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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