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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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.
Overseas medical expenses
Emergency medical evacuation/repatriation
Loss or damage to baggage
Death or permanent disability
Up to $200,000
Up to $350,000
Credit card fraud
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.
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
If you hold a valid Singapore identification document, and you’re at least 18 years old, you will be eligible to buy full travel insurance with AXA. These documents can include a Singapore NRIC, birth certificate (for child cover), employment pass, work permit, long-term visit pass, dependent pass or student pass. For child cover, you must be covered with at least one adult.
A travel insurance excess is the amount of money you need to contribute before your insurance provider will pay towards your claim. Typically an excess will apply per person, per event, per claim. You can often choose the amount of excess you pay, however, this will affect the price of the premium you are offered.
If you have an annual policy then your trip can be no longer than 92 days. For single-trip policies, your trip can’t exceed 182 days.
There may be occasions when you are able to amend your policy – AXA’s website says you should call their customer care hotline on 1800 880 4888 (Within Singapore) for assistance. However a travel insurance policy typically can’t be changed after you have started your trip. Also, AXA will not allow you to buy a policy after you depart from Singapore.
James Martin is a senior writer at Finder. He has written on a range of finance and business topics for over five years and his work has been featured in publications including The Irish Times, Companies 100, In Business and Q Magazine (UK). As a trained journalist, James can drill into the finer details of financial products to help you save time and money. In his spare time, James is a committed sports fan, novel reader and Thai food enthusiast.
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