AXA

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AXA Travel Insurance Review

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

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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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1 - 11 of 20
Name Product Medical Cover Cancellation Cover Baggage Delay With COVID-19 Coverage? Offer
DISCOUNT 35%
Starr TraveLead Travel Insurance - Single Trip
Up to $1,000,000
Up to $15,000
Up to $1,200
Yes
Includes coverage of up to $100,000 for Overseas COVID-19 related medical expenses and up to $1,000 for COVID-19 Trip related cancellation/curtailment.
Enjoy 35% off for all destinations (Code: FINDER35).
Promo TAKE60
Tiq Travel Insurance
Up to $1,000,000
Up to $10,000
Up to $200
Optional
Get 40% off single trips and 60% off COVID-19 add-on annual plans using promo code TAKE60 till 31 Oct, including cruises to nowhere. Enjoy benefits such as coverage for trip cancellations or postponements, emergency evacuation while onboard and post-trip medical expenses.
Optional COVID-19 coverage.
DISCOUNT 25%
FWD Premium Travel Insurance
Up to $200,000
Up to $18,750
$150
Optional
Get 25% discount using promo code FINTRIP25 when you purchase either Single or Annual Travel Insurance plan. T&Cs apply. Ends 9 Oct 2022.
Plus, weekly lucky draws for new plans from now till 23rd October! Stand a chance to win gadgets, vouchers and even a grand prize of $6000. T&Cs apply.
Allianz Single Trip Travel Insurance
Up to $1,000,000
Up to $15,000
Up to $1,400
Yes
12% off all travel insurance till 31st Oct using promo code: Travel12. Enjoy comprehensive cruise coverage with Allianz Travel Platinum plans. Includes COVID-19 cover. Opt for annual plans to get unlimited coverage in a year.
Income Standard Plan Travel Insurance
Up to $3,000,000
Up to $45,000
Up to $4,000
Yes
A travel insurance plan with a standard array of benefits, ranging from medical and personal accident to trip inconvenience benefits such as trip cancellation, flight delays and baggage loss.
MSIG TravelEasy Standard
Up to $800,000
Up to $12,500
Up to $1,200
Yes
Enjoy 40% off single trip plans and 20% off annual trip plans. T&Cs apply. Valid until 31 Oct 2022.
Includes COVID-19 coverage to all Single Trip and Annual plans with no additional premium. T&Cs apply.
DirectAsia Single Trip Plan
Up to $1,250,000
Up to $37,500
Up to $2,500
Optional
Get 40% discount when you purchase either Single or Annual Travel Insurance plan. T&Cs apply.
Budget Direct Insurance Basic Cover
Up to $50,000
N/A
Up to $400
No
DISCOUNT 25%
FWD First Travel Insurance
Up to $1,000,000
Up to $37,500
Up to $900
Optional
Get 25% discount using promo code FINTRIP25 when you purchase either Single or Annual Travel Insurance plan. T&Cs apply. Ends 9 Oct 2022.
Plus, weekly lucky draws for new plans from now till 23rd October! Stand a chance to win gadgets, vouchers and even a grand prize of $6000. T&Cs apply.
DISCOUNT 35%
Starr TraveLead Travel Insurance - Annual
Up to $1,000,000
Up to $15,000
Up to $1,200
Yes
Includes coverage of up to $100,000 for Overseas COVID-19 related medical expenses and up to $1,000 for COVID-19 Trip related cancellation/curtailment.
Enjoy 35% off for all destinations (Code: FINDER35).
Allianz Annual Multi-Trip Travel Insurance
Up to $1,000,000
Up to $15,000
Up to $1,400
Yes
12% off all travel insurance till 31st Oct using promo code: Travel12. Enjoy comprehensive cruise coverage with Allianz Travel Platinum plans. Includes COVID-19 cover. Opt for annual plans to get unlimited coverage in a year.
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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.

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

Benefits

  • 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 $6,000 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 $300,000 while you are overseas. Plus, up to $10,000 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.
  • Three 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 – Pro, Easy and Lite.
  • 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.

Drawbacks

  • 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.

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