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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.

• AXA Travel Insurance for Schengen

Who is AXA Insurance?

• 30 call centres operating around the clock and spread worldwide accessible 24 hours a day, 7 days a week
• 6,500 agents representing AXA Assistance in countries without call centres
• A dedicated team of 6,000 employees committed to serving customers
• Access to the expertise of 600 specialist doctors in personal assistance.

Travel Insurance for Schengen visa and Europe

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• Up To €30,000 in medical expenses
• Repatriation
• 24-hour assistance
• COVID coverage under conditions
• Meets requirements from the E.U
• A coverage of up to 30.000 euros guaranteed in conformity with the European directive. And a coverage of up to CHF50.000 for a Swiss visa.
• All countries part of the Schengen area are covered: DEU, AUT, BEL, DEN, ESP, EST, FIN, FRA, GRE, HUN, ITA, ISL, LEI, LVA, LTU, LUX, MLT, NOR, the NL, POL, POR, CZE, SVK, SVN, SWE, CHE
• Expenses related to emergency medical care, hospitalisation, sanitary repatriation, or death are handled be AXA Insurance. 
• Insurance is valid during the entire duration of your stay
• If your Schengen visa application is denied (under certain conditions), a refund of your subscribed travel insurance.
• No age restriction, anyone can use this insurance
• Zero (0) deductible
• Up To €100,000 medical expenses covered
• Extended protection
• Medical repatriation
• Coverage up to € 100,000 (approximately US$ 111,000)
• Protection for a duration of up to 180 days
• Covers expenses related to emergency medical care, hospitalisation, sanitary repatriation, or death ( Travelers must contact AXA Assistance medical service before incurring any medical expenses.)
• Refund for subscribed travel insurance if your Schengen visa application is denied (subject certain conditions)
• no age restriction and Zero (0) deductible
• Up To €100,000 Medical expenses covered 
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AXA Schengen Visa Insurance

AXA Schengen Visa Insurance is a travel insurance product, which covers travel to all 27 of the countries in the Schengen Area, while AXA’s upgraded travel insurance offerings can be used to expand this coverage to include a number of additional European countries, such as the United Kingdom, the Republic of Ireland, and Romania.

The Schengen travel insurance from AXA is divided into three separate products: Low Cost insurance, Europe Travel insurance, and Multi Trip insurance. All three products are suitable for individual tourists, families, business travellers and tourist groups, and up to 10 people can be insured from a single payment.

Highlights of the Policy

• Medical expenses covered up to €30,000
• Repatriation
• 24-hour assistance
• COVID coverage under conditions
• Meets requirements from the E.U

Countries Covered By AXA Schengen Visa Insurance

Travellers who are applying for a visa for the Schengen Area are required to have valid travel and medical insurance. It should be noted that the Schengen Area does also provide visa-free access for short-term trips to passport holders from many countries around the world, including the United Kingdom, the United States and Canada. Nevertheless, it is recommended that all visitors to the Schengen Area obtain accredited travel insurance to cover any medical expenses.

AXA’s Low Cost insurance product covers travel to the 27 Schengen Area countries, which are:

• Czech Republic
• Denmark (excluding Greenland and the Faroe Islands)
• France (excluding overseas departments and regions)
• Liechtenstein
• Netherlands (excluding overseas constituent countries)
• Switzerland

In addition to the 27 recognised Schengen Area countries, AXA’s Multi Trip insurance and Europe Travel insurance also covers a number of non-Schengen countries. Specifically, this extends coverage to the United Kingdom, Bulgaria, Cyprus, Ireland and Romania. This means that these two more expensive AXA Schengen Visa Insurance products cover travel within the Schengen Area, the European Union, and the United Kingdom.

There are three micro states, which are regarded as de facto members of the Schengen Area. These are Monaco, San Marino and the Vatican City. All three of these micro states are covered by AXA’s travel insurance. However, the insurance does not provide coverage for the country a traveller is permanently resident in.

Applying for Europ Assistance Schengen Travel Insurance

Applications for AXA Schengen Visa Insurance can be completed online. It will provide the mandatory travel insurance certificate needed for a Schengen Area visa application and this certificate will be sent via email immediately upon approval. The travel insurance and certificate are entirely in-keeping with EU requirements and guidelines.

The travel insurance is suitable for individual tourists, business travellers, groups of tourists, and families. AXA’s offering also allows travellers to buy insurance for up to 10 people with a single payment.

Important Coronavirus Information

In contrast to some Schengen Area travel insurance products, AXA’s Schengen Visa Insurance provides cover for medical expenses related to coronavirus (COVID-19). This includes costs related to hospital treatment, examinations, testing and medicine, as long as these are medically necessary and ordered by a qualified medical professional.

However, it is important to understand that the insurance policy will not cover travellers who travel against the advice of the government of the country they are visiting, the country they are resident in, the World Health Organization, the European Union, or any other relevant government, agency, or health body.

Other Important Insurance Information

Travellers are advised to visit a local General Practitioner (GP) for minor illnesses and injuries and follow their advice. Hospitals should be visited for severe pain, illness, or accidents. It is important to contact AXA as soon as possible, so that the insurance claim can be understood and processed swiftly.

Travel insurance for the Schengen Area with AXA can be cancelled in the event that a visa application is unsuccessful. The request for cancellation should be made in writing and AXA will require evidence of the visa refusal. Once this evidence has been provided, a full refund for the travel insurance will be issued.

The upper limit for medical expenses with the Low Cost insurance product is 30,000€, while the Multi Trip and Europe Travel products both have an upper limit of 100,000€. All three products meet the requirements of the European Union and are recognised around the world, making them fully compatible with Schengen visa applications.

AXA’s Multi Trip insurance is an annual insurance product. This covers travellers for multiple trips during a one year period, but each of these trips can last for a maximum of 90 days. At the end of the 90 day period, travellers will need to leave the Schengen Area. Insurance will then continue once they re-enter for their next trip.

Unlike some Schengen Area insurance products, AXA’s offering does not have any age limits.

AXA Schengen Visa Insurance Policy Details

Axa low cost schengen visa travel insurance costs.

For more information, visit: AXA Schengen Visa Travel Insurance

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Privacy Overview

Allianz Travel Insurance vs AXA Schengen

Axa schengen vs allianz travel insurance: side-by-side brand comparison.

Compare Allianz Travel Insurance vs. AXA Schengen side-by-side. Choose the best travel insurance stores for your needs based on 1,440 criteria such as newsletter coupons, Apple Pay Later financing, PayPal Pay Later, Shop Pay Installments and clearance page . Also, check out our full guide to the top 10 trip insurance stores .

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Allianz Travel Insurance

AXA Schengen

Allianz travel insurance vs. axa schengen: side-by-side comparison, allianz travel insurance vs. axa schengen: compare store policies & checkout features.

File a Claim

Still have a question? Be sure to get in touch with our expert travel team

You can also claim directly or check the status of an existing claim at our claims administrator’s 24/7 self-service portal at: https://cbpconnect.com

You have reached AXA USA, your Travel Protection solution for US Residents. Our team of experts are available to you for claims assistance.  If you are looking for information on how to file a claim and you are not a US Resident please review your travel documents for the appropriate contact details. If you are a US Resident and purchased an AXA Silver, Gold, or Platinum plan please find the necessary claim forms and instructions below.

How can I contact someone about my claim?

Before you submit a claim.

Contact AXA USA for emergency medical and travel assistance including any prior arrangements for evacuations and medical repatriations. In the event of theft or loss of property, contact the police or transportation carrier such as the airline immediately to obtain a filed report

• ✔Check your policy documents to confirm your coverage details
• ✔Review the claim form for supporting documentation required
• ✔Contact AXA USA for any policy and claim questions

Download your claim forms below

Claim forms are for SILVER, GOLD, and PLATINUM plans only.

Trip Cancellation

Provides coverage for non-refundable payments and deposits made before your trip was cancelled due to a covered reason. This is a pre-departure benefit.

Cancel For Any Reason

Provides coverage for non-refundable payments and deposits made before your trip was cancelled. Only available on the Platinum plan as an optional benefit. This is a pre-departure benefit.

Trip Interruption

Provides coverage for non-refundable trip cost in the event you cannot continue your trip due to a covered reason. This is a post-departure benefit.

Provides coverage for the unsed portion of pre-paid expenses, accommodations, meals, and transportation expenses if you experience a delay while traveling.

Provides coverage for emergency medical expenses resulting from an accidental injury or sickness incurred while on the trip.

Accidental Death or Dismemberment

Provides coverage if you suffer an injury resulting in loss of life or limb during a covered part of your trip.

Baggage Delay

Provides coverage if your baggage is delayed 24 hours on Silver and Gold and 12 hours on Platinum.

Provides coverage if your baggage or personal effects are lost, damaged or stolen during your trip.

Collision Damage Waiver

Provides coverage if you rent a car while on your trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood, or any cause not within your control while the car is in your possesion.

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