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AXA Assistance USA travel insurance review

Multiple tiers of coverage for all types of travelers — including adventurous ones.

Updated

AXA Assistance

AXA Assistance USA offers comprehensive and reliable coverage, whether you’re traveling domestically or internationally. It has several coverage tiers to suit all types of travelers and budgets — but preexisting conditions can be tricky.

Compare AXA Assistance USA policies

Name Product Trip Cancellation Emergency Medical Expenses Baggage Coverage Trip delay
AXA Assistance Gold Plan
100%
$100,000
$1,500
$1,000
Economical travel insurance policy that provides all-around protection with generous levels of coverage.
AXA Assistance Adventure
100%
$50,000
$2,500
$200
Cover your trip and sporting equipment with travel protection geared toward outdoor recreational activities like diving, skiing and golf.
AXA Assistance Silver Plan
100%
$25,000
$750
$500
Basic travel protection with lower amounts of coverage. No option to cancel for any reason.
AXA Assistance Platinum Plan
100%
$250,000
$3,000
$1,250
Travel protection with high levels of coverage. Cancel your trip for any reason and be covered up to 75% of trip cost.
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What travel insurance policies does AXA Assistance USA offer?

You can choose between single-trip or annual multi-trip policy that can be personalized with an Adventure, Gold, Silver or Platinum Plan.

  • Single trip. This plan is for travelers who only travel once or twice a year. It offers the same protection and coverage as an annual multi-trip policy to people between the ages of 18 to 86.
  • Annual multi-trip. If you’re a frequent traveler, taking more than three trips a year, this plan will cover you between the ages of 18 to 76. Children under 18 are covered if they’re traveling with at least one insured adult.

AXA’s travel insurance tiers

AXA offers plans that are customized to the needs of various travelers.

BenefitsSilver PlanGold PlanPlatinum PlanAdventure Product
Trip cancellationFull cost of tripFull cost of tripFull cost of tripFull cost of trip
Trip interruptionFull cost of trip150% of trip cost150% of trip cost150% of trip cost
Trip delay$100–$500 daily$200–$1000 daily$300–$1250 daily
Accident & sickness medical expenses$25,000$100,000$250,000$50,000
Trip accidental death & dismemberment$10,000$25,000$50,000
Common carrier accidental death & dismemberment$25,000$50,000$100,000$25,000
Emergency medical evacuation & repatriation$100,000$250,000$500,000$500,000
Emergency nonmedical evacuation due to catastrophe$50,000$100,000
Repatriation & remains$10,000$50,000$100,000
Baggage delay$100–$200 daily$100–$300 daily$200–$600 daily$750
Baggage loss$500$1,500$2,500
Security or political evacuation$100,000
Baggage and personal effects$2,500
Lost ski, dive, golf or recreation$250
Sports equipment rental$2,500
Search and rescue$2,500

What’s covered by my AXA travel insurance policy?

The table above has the most accurate breakdown of coverage. But most policies offer these benefits:

  • Trip cancellation, interruption or delay. You’ll be reimburse up to 150% of your trip if it’s canceled or interrupted. In the case of a delay, you’ll get up to $1,250 reimbursement for each day you’re delayed.
  • Emergency medical and other expenses. AXA Assistance pays up to $5 million for bodily injury, disease, illness, mountain rescue or hospital stay.
  • Baggage. Coverage for the accidental loss, damage or theft of your baggage while traveling.
  • Personal Liability. AXA Assistance covers up to $2 million if you’re at fault for injuring another person or if you damage someone else’s property.
  • Winter sports. This coverage needs to be purchased separately and is only valid for single trips. For annual multi-trip policies, winter sports coverage is available for a total of 17 days.

Can I add more coverage to my policy?

Yes. You can add these extras to the Silver, Gold and Platinum plans.

  • Pre-existing medical condition waiver — must be purchased within 14 days of initial trip deposit
  • Cancel for work reasons
  • Cancel for any reason (CFAR) coverage
  • Rental car collision.

Additional benefits are not available for the Adventure package.

How does AXA treat pre-existing conditions?

If you have — or suspect you have — a medical condition, you’ll need to contact AXA before buying a policy.

Under a regular policy, you may only be covered for the following events:

  • Pre-existing medical conditions that you didn’t report for medical screening by AXA in order for you to receive coverage.
  • Terminal medical condition you were diagnosed with.
  • Medical conditions you’re aware you have but haven’t been diagnosed with.
  • Medical conditions that require surgery, organ donation, investigation, or treatment at a nursing home, clinic or hospital.
  • Medical conditions you, a close relative, or business associate suffers from and is aware of that could lead to a claim on your policy.

AXA will not cover you if:

  • You travel against medical advice or if you fail to take medication or treatment for an existing condition.
  • Surgery or treatment is the reason for your travel.

How do I file a travel insurance claim with AXA?

AXA accepts claims within 31 days of the incident. You’ll need to complete and submit the relevant claims form, along with any other supporting documents:

  • Trip cancellation
  • Trip interruption or delay
  • Medical expenses
  • Lost, delayed, stolen or damaged baggage
  • Accidental death and dismemberment
  • Car rental collision damage

      Bottom line

      AXA stands out for offering tiered travel insurance coverage, and a separate policy for adventurous travelers. You can purchase a single or multi-trip policy, but either way, it’s a good idea to compare travel insurance companies to ensure you’re getting the best possible rate.

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      2 Responses

      1. Default Gravatar
        SoniaJanuary 10, 2019

        Do I have to say I have a total hip replacement?

        • Avatarfinder Customer Care
          JoshuaJanuary 14, 2019Staff

          Hi Sonia,

          Thanks for getting in touch with finder. I hope all is well with you. :)

          Yes, you need to inform your insurer that you had a total hip replacement as part of your duty of disclosure. It depends on your insurer if this medication condition would affect your premium or not.

          I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

          Have a wonderful day!

          Cheers,
          Joshua

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