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AXA Travel Insurance Review

Choose between a range of flexible plans, and get 24/7 emergency assistance with AXA.

Having the right travel cover in place is essential before you set off on a trip abroad – it could save you a lot of money, and bring peace of mind so that you can enjoy your travels. But with a wide range of different policies on the market, it can be hard to know which one is going to give you enough cover against a range of eventualities.

Read on for a review of the main types of travel insurance offered by AXA, including some common exclusions to watch out for.

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Name Product Medical Cover Cancellation Cover Travel Delay With COVID-19 Coverage?
AXA Essential Travel Insurance
AXA Essential Travel Insurance
Up to S$300,000
Includes COVID-19 coverage.
AXA Comprehensive Plan Travel Insurance
AXA Comprehensive Plan Travel Insurance
Up to S$600,000
Includes COVID-19 coverage.

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More about AXA travel insurance

There are some big names in the Singapore travel insurance market and AXA is certainly one of them. Having offered cover to more than three million people in the country, AXA is a brand you can trust. In Singapore the company is also known for its comprehensive car and health insurance options. Globally, AXA is one of the world’s biggest insurance companies and has a footprint in more than 60 countries across the world.

Whether you’re after comprehensive protection or a fairly basic level of cover, it is likely that AXA will have a policy that gives you the peace of mind you need.

What policies can I choose from and how do they compare?

With AXA, you have three main levels of cover to choose between – Lite, Easy and Pro. In addition to what’s covered by each of these policies, you can pay to get certain add-ons to your policy. Such examples include specialist cover for adventure sports, and insurance in case you have to cancel or postpone an overseas wedding photoshoot.

The policy details in the table below are general overviews of the main inclusions that come with each cover level, such as how much medical coverage you’re entitled to, what happens if your trip gets cancelled or if you lose your luggage. For more detail on the inclusions, along with any exclusions and conditions apply to each, we recommend that you check the policy wording on this provider’s website.

Cover FeatureEssentialComprehensive Plan
Overseas medical expenses
  • $300,000
  • $600,000
Emergency medical evacuation/repatriation
  • Unlimited
  • Unlimited
Cancellation cover
  • $6,000
  • $12,000
Loss or damage to baggage
  • $5,000
  • $10,000
Personal liability
  • $500,000
  • $1,000,000
Death or permanent disability
  • Up to $200,000
  • Up to $350,000
Travel delay
  • $1,000
  • $2,000
Luggage delay
  • $1,200
  • $1,800
Credit card fraud
  • $1,500
  • $3,000

Depending on your needs, you may decide to get a single trip or an annual policy:

  • Single trip. This type of insurance can be useful if you’re only going on one holiday in the next 12 months.
  • Annual trip. This could be a better option if you’re planning multiple trips in one year, as long as none of your holidays exceed 92 days.

Both types of insurance are offered either as an individual plan or for families. There are different terms attached to a family plan depending on whether you choose a single trip or an annual trip policy. Check the policy wording on this provider’s website for more information.

What won’t my policy cover?

Every travel insurance policy comes with a number of restrictions and exclusions. Your claim on an AXA policy could be denied for reasons which include:

  • Travel to excluded countries. This currently includes Cuba, North Korea, Afghanistan, Crimea, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan and Syria. Owing to recent unrest, it’s a good idea to speak to your provider if you’re planning to visit Hong Kong.
  • Circumstances involving war, government action or nuclear risks
  • Incidents which are related to your behaviour. For example, any illegal act or if you’re involved in an incident while under the influence of alcohol or drugs
  • Your claim arises from or is related to mental conditions.
  • You cancel your trip without a valid reason.
  • Your luggage gets lost due to your negligence.
  • You travel somewhere else outside of the geographical area you’ve chosen.

Pros and cons of AXA travel insurance


  • Automatic policy extension. Your period of cover may be automatically extend for up to 30 days from the date of its expiry, free-of-charge, if your return to Singapore is delayed by a claimable event.
  • Cancellation cover. Get up to S$12,000 if you have an unexpected event that means you need to cancel or cut short your holiday.
  • Full terrorism cover. You’ll have cover against unexpected acts of terror while you’re travelling.
  • Medical expenses paid during and after your trip. Get cover for up to S$600,000 while you are overseas. Plus, up to S$60,000 to support you after your trip.
  • Overseas hospital care. Receive double your daily benefit if you need to stay in an intensive care unit while you’re away.
  • Two types of travel cover. Depending on your needs, you’ll have options when it comes to your travel insurance. Each of the two main cover types – Essential and Comprehensive.
  • 24-hour emergency assistance. Wherever you are in the world, AXA has a support team working round the clock to help you with policy matters. This could include offering you help if you lose your passport or if you need to be repatriated in a medical emergency.


  • No extreme sports cover. If you plan to take part in pulse-racing activities, like triathlons, cliff jumping or big-wave surfing, know that AXA doesn’t cover these events (but you can get adventure cover as an add-on).
  • No pre-existing medical conditions. You won’t be covered for any illness or injury you’ve had within 182 days of your trip. Other medical-related issues you won’t be covered for include if you travel to seek medical care or cosmetic surgery, and any pregnancy-related conditions.

Travel insurance policies vary a great deal, so it’s really important to read the full terms on a provider’s website before buying a policy in order to understand which events you’ll be covered for and which ones you won’t.

How do I contact AXA travel insurance?

If you have any enquiries, you can get in touch with AXA travel insurance through these contact details:

  • 24 hour emergency assistance if you’re overseas: +65-6322 2566

If your inquiry isn’t an emergency, you should call AXA’s customer care team:

  • General enquiries: 1800 880 4888 (Within Singapore)
  • General enquiries: +65-6880 4888 (International)

These lines are open between the hours of 9:00am and 5:30pm between Monday and Friday (excluding public holidays).

How to make a claim

The claims process with AXA travel insurance is straightforward – you can file a claim online through their website. This can be done via a direct submission on AXA’s online portal. You’ll also have the option to download and complete an editable PDF form.

It’s really important keep both your travel insurance policy and your travel documents with you at all times during your trip. AXA will only be able to process a claim once they have received copies of these documents.

Bottom line

The travel insurance plans offered by AXA are very popular in Singapore and it’s easy to see why given their price, convenience and flexibility. However, look into the detail of each policy you compare with care. We don’t think AXA’s Lite plan will offer you enough of the basic protection you’ll typically need for a trip abroad. Also, there may be other insurers who can give you a deal that works better for you. It’s always a good idea to compare lots of different types of travel insurance before deciding on a policy.

Frequently asked questions

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