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Table of Contents

What is AXA?

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• Lowest-cost plan includes some medical coverage.
• Pre-existing conditions waiver add-on available for higher-cost plans.
• No add ons are available for Silver-level policyholders.
• CFAR upgrade is only available for highest-cost plan.

In the era of staff shortages and extreme weather, your trip may not go exactly to plan. When that happens, travel insurance can be a big help. Although an insurance policy can’t prevent a delay or cancellation from happening, it can help relieve the financial burden if something unpredictable does occur on your trip.

But how do you know which insurance provider to go with? Here's a look at AXA travel insurance to help you determine if one of its plans is right for you.

AXA is a French insurance company that does business in over 200 countries. It offers many different types of insurance, including policies for travelers. These include coverage for baggage loss , trip cancellation and interruption, emergency evacuation and emergency medical costs. Cancel for any reason coverage is also offered. 

AXA Assistance USA is part of the AXA Group.

» Learn more: How much is travel insurance?

AXA Assistance USA offers travelers three insurance plans: Silver, Gold and Platinum. The plans are underwritten by Nationwide Mutual Insurance Company and their affiliates in Columbus, Ohio. Here's the coverage you can expect from each policy.

Silver: This is the least expensive plan that offers 100% trip cancellation and trip interruption coverage, $25,000 in emergency accident and sickness medical coverage and $100,000 in emergency evacuation and repatriation coverage.

Gold: The mid-range Gold policy comes with 100% trip cancellation and 150% trip interruption coverage, $100,000 in emergency accident and sickness medical coverage and $500,000 in emergency evacuation and repatriation coverage. 

Platinum: The AXA Platinum travel insurance plan includes 100% trip cancellation and 150% trip interruption coverage, $250,000 in emergency accident and sickness medical coverage and $1,000,000 in emergency evacuation and repatriation coverage.

If you want to add Cancel For Any Reason coverage, you’ll need to select the Platinum plan and purchase a policy within 14 days of paying the initial trip deposit. It’ll cover 75% of the prepaid nonrefundable expenses for your travel. 

If you’d like coverage for pre-existing medical conditions , a waiver is available on the Gold and Platinum plans as long as you buy coverage within 14 days of your first trip payment.

» Learn more: How does travel insurance work?

Let’s compare AXA’s plans, the costs and coverage for a 19-day trip to Indonesia that costs $1,500 for a 36-year-old traveler who lives in Utah.

Coverage and limits for the Silver-level plan include:

Trip delay: $100 per day, with a $500 maximum.

Trip cancellation: 100% of the trip cost.

Trip interruption: 100% of the trip cost.

Baggage delay: $200.

Lost baggage: $750, up to $150 per article.

Missed connection: $500.

Emergency evacuation: $100,000.

Accidental death and dismemberment: $10,000 ($25,000 if on a common carrier).

Emergency accident and medical expense: $25,000.

The plan cost for our sample trip is $55.

For $79, the Gold-level tier offers the following coverage and limits:

Trip delay: $200 per day, with a $1,000 maximum.

Trip interruption: 150% of the trip cost.

Baggage delay: $300.

Lost baggage: $1,500, up to $250 per article.

Missed connection: $1,000.

Emergency evacuation: $500,000.

Accidental death and dismemberment: $25,000 ($50,000 if on a common carrier).

Emergency accident and medical expense: $100,000.

Collision damage waiver: $35,000.

Platinum is AXA’s highest tier level. This plan includes:

Trip delay: $300 per day, with a $1,250 maximum.

Baggage delay: $600.

Lost baggage: $3,000, up to $500 per article.

Missed connection: $1,500.

Emergency evacuation: $1,000,000.

Accidental death and dismemberment: $50,000 ($100,000 if on a common carrier).

Emergency accident and medical expense: $250,000.

Collision damage waiver: $50,000.

Lost golf rounds: $500.

Lost skier days: $25 per day.

Pet boarding fees: $25 per day (up to five days).

This level of coverage costs $95.

» Learn more: The best credit cards for travel insurance benefits

To get an AXA travel insurance quote, go to AXATravelInsurance.com and start by inputting your information in the quote box. Enter your state of residence, destination country, trip dates, date of first trip deposit, total trip cost, the number of travelers and their ages.

Once you’ve filled out the form, click on the “Get a quote now” button.

You’ll be presented with three quotes, one for each plan level. Make sure to click on the “See more benefits” link to get more information on each plan’s coverage limits. The plans with the highest coverage limits will be the most expensive.

If you need a pre-existing conditions waiver, select the Gold or Platinum plan. You’ll also have to purchase the plan within 14 days of making your initial trip deposit to be eligible. 

The Gold and Platinum levels are also the two plans that offer Schengen zone coverage and a collision damage waiver . The Platinum plan is the only one that offers a Cancel For Any Reason add-on, so keep that in mind if you need more protection.

Overall, if you’re looking for emergency medical and emergency evacuation coverage specifically, the limits are good on all the plans, including the least expensive one.

To compare plans from multiple insurance providers at once, we recommend checking out Squaremouth, a travel insurance comparison site and a NerdWallet partner. The website helps you pick the right plan by displaying multiple quotes from many insurance providers, including AXA, in one spot.

AXA began in the early 19th century as a small insurance company specializing in property and casualty insurance. 

Since then, the company has evolved, changing names and acquiring other insurance brands, until it became AXA in the 1980s. It is now one of the largest insurance companies in the world. In other words, yes, AXA is a legitimate travel insurance provider.

» Learn more: The best travel insurance companies

Every plan has different exclusions, so it's important to look at your coverage summary. Generally, pre-existing conditions without a previously purchased waiver are not covered.

Other limitations include:

Intentionally self-inflicted injuries.

Participation in bodily contact or extreme sports.

Traveling for the purpose of securing medial treatment.

Accidental injury or sickness when traveling against the advice of a physician.

Non-emergency treatment or surgery.

AXA handles more than 14 million cases each year, and every plan includes access to their 24/7 assistance hotline. The company is well established and has three plans for travelers to choose from.

AXA travel insurance covers several benefits including but not limited to 100% trip cancellation and trip interruption, medical emergencies, emergency evacuations, baggage delay or lost baggage, and accidental death and dismemberment. The Platinum plan also lets you add Cancel For Any Reason coverage.

AXA's least expensive plan, Silver, and its mid-range Gold policy do not have the option to add-on Cancel For Any Reason coverage. For travelers who opt to purchase the Platinum insurance plan, you can add Cancel For Any Reason coverage a la carte within 14 days of paying the initial trip deposit.

In the event that you need to make a claim, you can upload supporting documents online. If the claim is accepted, you will receive reimbursement within 30 days.

It's said that travel is the only thing you buy that makes you richer. But you don’t want to become poorer if something goes wrong before or during a trip. We don’t know what the universe has in store for us, so buying a travel insurance policy is one way we can protect our investment.

AXA offers budget, mid-range and premium policies that are easy to understand, provide adequate coverage and don’t cost a fortune.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Trip Interruption Benefits

What is trip interruption.

Trip Interruption offers coverage if a trip is disrupted or cut short due to unforeseen circumstances such as sicknesses, severe weather conditions, or other eligible events that are out of the traveler's control. Trip Interruption Coverage typically covers expenses such as the cost of additional transportation, accommodation, and other expenses incurred because of the interruption. The exact coverage and benefits vary depending on the insurance policy.

Is Trip Interruption necessary?

Whether Trip Interruption insurance is necessary or not depends on several factors, including the type of trip you're taking, the cost of the trip, and your personal risk tolerance. The Trip Interruption benefit can provide coverage for unexpected events such as sickness, weather-related cancellations, and other eligible events that can cause you to interrupt your trip. Trip Interruption also allows travelers to rejoin their trip after an interruption has occurred. In general, having a trip interruption is a personal decision that should be based on the traveler's specific needs and circumstances. However, it's always a good idea to consider trip interruption coverage, especially if the trip involves a significant investment of time and resources. This can help to protect against financial losses if the trip is interrupted for a covered reason.  

What Qualifies as Trip Interruption  

AXA Travel Protection coverage can provide travelers with coverage when they face situations that force them to interrupt their travel schedule. 

 Let us delve into these scenarios and benefits coverage: 

1. Health-Related Interruptions: If you, as a traveler, suffer from sickness, accidental injury, or face a tragic event leading to death or a certified physician deems it necessary to impose medical restrictions preventing your continued participation in the trip due to the reasons listed above, this coverage comes to your aid. A physician must advise trip cancellation on or before the scheduled return date. 

2. Family and Travel Companion Health: This coverage extends to the health of family members or traveling companions booked to join you on your trip. It applies if they fall ill or sustain accidental injuries while on the trip, requiring necessary treatment and imposing medically certified restrictions on their participation. 

3. Non-Traveling Family Member: In the unfortunate event of sickness, accidental injury, or death of a non-traveling family member, AXA Travel Protection's trip interruption coverage ensures you are covered. 

4. Host at Destination: If the host at your trip's destination faces death or hospitalization during your visit, you can rely on this coverage to assist you. 

5. Employment-Related Interruptions: Employment-related issues, such as termination or layoff from full-time employment after one year of continuous service through no fault during your trip, are covered. 

6. Employment Transfer: If your employment requires a transfer of 250 miles or more during your trip, provided you were employed with the transferring employer on your effective employment date, and the transfer necessitates relocating your home, this coverage applies. 

7. Business Disruption (Exclusive to Platinum Plan): If you or your traveling companion's company becomes unsuitable for business due to fire, flood, burglary, vandalism, or other natural disasters, and you are responsible for policy and decision-making within the company and are actively involved in disaster recovery, the coverage is valid. 

8. Required Work (Exclusive to Platinum Plan): If you or your traveling companion are required to work during the trip, substantiated by a notarized statement from an officer of the employer, this benefit provides coverage. It is unavailable to independent contractors, temporary employees, self-employed individuals, or company owners or partners. 

9. Company Events (Exclusive to Platinum Plan): Your or your traveling companion's company is directly involved in a merger, acquisition, government-required product recall, bankruptcy or default proceedings, and active involvement in the said event makes you eligible for coverage. 

10. Military Duty: If a previously approved military leave is revoked or a military reassignment during the trip, this coverage provides protection. It excludes war-related incidents. 

11. Weather and Natural Disasters: Inclement weather causing the complete cessation of services for at least 48 consecutive hours by your common carrier or a natural disaster at your destination rendering accommodations uninhabitable can offer coverage. 

12. Terrorist Incidents: In the event of a terrorist incident occurring in your departure city or a city listed on your trip itinerary during your trip, you are covered. It is important to note that benefits are not provided if the travel supplier offers a substitute itinerary. 

13. Assault and Other Incidents: If you or your traveling companion are victims of felonious assault, experience hijacking, quarantine, jury duty, subpoena, or if your home becomes uninhabitable due to a natural disaster or burglary during the trip, this coverage applies. 

14. Traffic Accident: A direct involvement in a traffic accident while en route to departure, supported by a police report provided to AXA, is a valid reason for trip interruption coverage. 

15. Travel Supplier Default: The coverage extends to cases of bankruptcy or default of a travel supplier, leading to a cessation of travel services during your trip. If no alternate transportation is available, benefits are provided, and if alternate transportation is available, the coverage is limited to change fees to transfer to another airline. 

16. Common Carrier Strike: In the event of a strike by the common carrier with whom you or your traveling companion are scheduled to travel, resulting in complete cessation of services for at least 48 consecutive hours, this coverage comes into play.  File for a free quote

Do I need Trip Interruption coverage?

Having trip interruption coverage is a savvy idea. It offers coverage for multiple reasons to help you get your trip back on track. All three of AXA’s travel plans include Trip Interruption coverage, maximum coverage per person is up to:  

Maximum Benefit: 100% of Trip Cost Reasonable Expenses Per Day: $100

Maximum Benefit: 150% of Trip Cost Reasonable Expenses Per Day: $100  

Maximum Benefit: 150% of Trip Cost Reasonable Expenses Per Day: $100

Receive a free quote within minutes, and decide which plan fits best for your travel needs!

Why choose axa travel protection.

With a presence in over 30 countries worldwide, AXA provides assistance with a wide range of features that include:  •    Extensive knowledge of local health risks and medical facilities to respond swiftly in the event of a medical emergency •    24/7 global team of travel experts that offers assistance and assurance while traveling

Compare Travel Insurance Plans

Get covered against Trip Delays, Medical Emergencies, Lost Baggage, and more!

Trip Interruption Insurance FAQs

How much does trip interruption cost.

• Length of Stay
• Destination
• Type of Trip
• Number of Travelers
• Extent of Guarantees

What types of vacations does Trip Interruption apply to?

When does trip interruption coverage begin.

• Trip Interruption coverage begins when a specific travel package has been selected
• Trip Interruption coverage will begin on the day after the required premium for such coverage is received by the authorized representative

When does Trip Interruption coverage end?

• The scheduled return date as stated on the travel tickets
• The date and time you return to your origination point if prior to the scheduled return date
• The date and time you deviate from, leave, or change the original trip itinerary (unless due to unforeseen and unavoidable circumstances covered by the policy)
• If you extend the return date, coverage will terminate at 11:59 P.M., local time, at your location on the scheduled return date unless otherwise authorized by the Company in advance of the scheduled return date
• When your trip exceeds ninety (90) days
• The return date as stated on your purchase confirmation

How to get a Travel Protection Quote?

Need Help Choosing a Plan?

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.

Trip Interruption Benefits

What is trip interruption.

Trip Interruption offers coverage if a trip is disrupted or cut short due to unforeseen circumstances such as sicknesses, severe weather conditions, or other eligible events that are out of the traveler's control. Trip Interruption Coverage typically covers expenses such as the cost of additional transportation, accommodation, and other expenses incurred because of the interruption. The exact coverage and benefits vary depending on the insurance policy.

Is Trip Interruption necessary?

Whether Trip Interruption insurance is necessary or not depends on several factors, including the type of trip you're taking, the cost of the trip, and your personal risk tolerance. The Trip Interruption benefit can provide coverage for unexpected events such as sickness, weather-related cancellations, and other eligible events that can cause you to interrupt your trip. Trip Interruption also allows travelers to rejoin their trip after an interruption has occurred. In general, having a trip interruption is a personal decision that should be based on the traveler's specific needs and circumstances. However, it's always a good idea to consider trip interruption coverage, especially if the trip involves a significant investment of time and resources. This can help to protect against financial losses if the trip is interrupted for a covered reason.  

What Qualifies as Trip Interruption  

1. Sickness, accidental injury, or death that results in medically imposed restrictions as certified by a physician during your trip preventing your continued participation in the trip A physician must advise to cancel the trip on or before the scheduled return date 2. If a family member or traveling companion booked to travel with you incurs sickness, accidental injury, or death. A & B must occur: a.) While you are on Your trip  b.) Requires necessary treatment at the time of interruption, certified by a physician that results in medically imposed restrictions to prevent that person’s continued participation on the trip 3. In case of sickness, injury, or death of a non-traveling family member 4. The death or Hospitalization of Your Host at the Destination during Your trip 5. If you are terminated or laid off from your full-time employment by your company through no fault of your own, one year or more after starting employment, during your trip 6. You transfer your employment more than 250 miles away from your home during the trip. This applies if you have been employed by the transferring employer since your policy's effective date and the transfer requires you to relocate your home 7. If your previously approved military leave is revoked or you experience a military reassignment during the trip 8. If you, your traveling companion, or a family member who is military personnel is called to provide aid or relief in the event of a natural disaster (excluding war) 9. Severe weather causes the complete cessation of services for at least 48 consecutive hours of the common carrier (e.g., airline), preventing you from reaching your destination. Note: This benefit does not apply if the natural disaster was predicted or a storm was named before you purchased this policy 10. If a natural disaster at your destination renders your accommodations uninhabitable 11. If a terrorist incident occurs in your departure city or in a city listed on your trip itinerary during your trip, and the travel supplier does not offer a substitute itinerary. Note: This does not cover flight connections or transportation arrangements to reach your destination. The scheduled departure date must be within 15 months from your policy's effective date. Terrorist incidents that occur on an in-flight aircraft are not covered 12. If you or your traveling companion are victims of a felonious assault during the trip 13. If you or your traveling companion are hijacked, quarantined, required to serve on a jury, or subpoenaed  if your home is made uninhabitable by a natural disaster or experience a burglary at your principal place of residence during the trip 14. You or Your Traveling Companion are directly involved in a traffic accident en route to departure. Note: This must be substantiated by a police report obtained by you and presented along with other claim forms and documentation. 15. If a travel supplier goes bankrupt or defaults during your trip, resulting in a complete halt of their services. However, these benefits will only be provided if there is no other transportation option available. If there is an alternative way to reach your destination, the benefits will be limited to covering the change fee required to transfer to another airline. Note: This coverage applies only if your scheduled departure date is within 15 months from the start date of your insurance policy 16. Strike that causes complete cessation of services of the common carrier affecting you or your traveling companion who is scheduled to travel. Note: Strike must last for at least forty-eight (48) consecutive hours File for a free quote

Do I need Trip Interruption coverage?

Having trip interruption coverage is a savvy idea. It offers coverage for multiple reasons to help you get your trip back on track. All three of AXA’s travel plans include Trip Interruption coverage, maximum coverage per person is up to:  

Maximum Benefit: 100% of Trip Cost Reasonable Expenses Per Day: $100

Maximum Benefit: 150% of Trip Cost Reasonable Expenses Per Day: $100  

Maximum Benefit: 150% of Trip Cost Reasonable Expenses Per Day: $100

Receive a free quote within minutes, and decide which plan fits best for your travel needs!

Why choose axa travel protection.

With a presence in over 30 countries worldwide, AXA provides assistance with a wide range of features that include:  •    Extensive knowledge of local health risks and medical facilities to respond swiftly in the event of a medical emergency •    24/7 global team of travel experts that offers assistance and assurance while traveling

Compare Travel Insurance Plans

Get covered against Trip Delays, Medical Emergencies, Lost Baggage, and more!

Trip Interruption Insurance FAQs

How much does trip interruption cost.

• Length of Stay
• Destination
• Type of Trip
• Number of Travelers
• Extent of Guarantees

What types of vacations does Trip Interruption apply to?

When does trip interruption coverage begin.

• Trip Interruption coverage begins when a specific travel package has been selected
• Trip Interruption coverage will begin on the day after the required premium for such coverage is received by the authorized representative

When does Trip Interruption coverage end?

• The scheduled return date as stated on the travel tickets
• The date and time you return to your origination point if prior to the scheduled return date
• The date and time you deviate from, leave, or change the original trip itinerary (unless due to unforeseen and unavoidable circumstances covered by the policy)
• If you extend the return date, coverage will terminate at 11:59 P.M., local time, at your location on the scheduled return date unless otherwise authorized by the Company in advance of the scheduled return date
• When your trip exceeds ninety (90) days
• The return date as stated on your purchase confirmation

How to get a Travel Protection Quote?

Need Help Choosing a Plan?

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.