axa travel protection

Trip Interruption Benefits

What is trip interruption .

Trip Interruption Coverage is there to offer protection against your trip in the event that it falls short due to unforeseen circumstances—if it gets interrupted. Interruption Coverage covers events that may cause a premature trip home:  

• Serious sickness 
• Severe weather 
• Family emergency 
• Quarantine 
• Evacuation 
• Military duty 
• An early departure 

Think of Trip Interruption Coverage as coverage against an outside event that prevents you from continuing your trip as intended.  If you have to cut things short unexpectedly, Trip Interruption Coverage is here to offset that. 

Trip Interruption Coverage typically covers expenses such as the cost of unused transportation, accommodation (hotels, etc.), and other expenses incurred because of the interruption. The exact coverage and benefits vary depending on the policy: some cover 100-200% of the total trip cost, while others cap coverage at a set amount. Most policies require a 72-hour notification window to let the parties (including your insurance provider) know that you will be employing the interruption benefits.   

Why Get Trip Interruption Coverage? 

Think of it this way: you’re on a week-long romantic getaway. You have active excursions planned during the day, and poolside relaxation on the schedule for the evening -- but two days in, you sprain your ankle. You can’t safely do any of the snorkeling, swimming, hiking, or strolling that you had planned. Even after a day off, taking it easy, you see your ankle is worse, and you’d like to get home for treatment before it becomes too serious. Here, Trip Interruption Insurance can offer reimbursement for your unused lodging, original flight cost, and transportation costs – because your trip was interrupted and was not able to be fulfilled according to schedule. 

Reimbursement requires a few careful steps, which we’ll outline below, but that is the essence of trip interruption coverage.  

If you do not have trip interruption coverage, any cancellations for lodging/hotels, transportation, or flights are done at your own risk—and the mercy of the merchant you are working with. Whether hotels allow last-minute cancellations or refunds will be on a case-by-case basis, and most flight transfers will involve change fees and high costs. Trip Interruption Coverage could help mitigate these fees, so that you can get reimbursed and return home safely. 

The Most Common Reasons People Have to Cut Trips Short 

The three most common reasons people cut trips short are because of sudden illness/injury, severe weather, and family emergencies.   These are also the most common reasons to opt for Interruption Coverage. 

What Does it Not Cover? 

Trip Interruption Insurance does not cover every unexpected incident. Exclusions will vary by each policy, but in general, it does not cover: 

• Injury caused by being intoxicated or under the influence  
• Committing an illegal or criminal act 
• Injury related to certain extreme activities (think skydiving, mountaineering, or deep-sea scuba diving) 
• Pre-existing medical conditions 

Trip Interruption Vs. Other Travel Coverage? 

There are several types of travel insurance coverage plans on the market, so let’s clear up some terms for you: 

Trip Interruption vs. Trip Cancellation Insurance 

Trip Cancellation Coverage is for situations when you have to cancel your trip before you leave. Usually, the benefits of cancellation coverage are in the form of refunds (airfare, tour booking, or hotel reservations). It is similar to interruption coverage but often has additional stipulations about when and what applies.  

Many insurance plans offer “ cancel for any reason” (CFAR) op-ins, but these usually only provide 75% reimbursement and are only valid if your trip is canceled before you leave. 

Trip Interruption vs. Trip Delay Insurance 

Trip Interruption Coverage is different from Trip Delay coverage. Trip Delay coverage helps off-set costs associated with a short pause in your travel plans. The length of the “pause” depends on each plan, but in general, think of it like this:  

Your flight out of Denver is scheduled for 6pm, but a massive storm comes in, and the next available flight is not until 8am the next morning. Trip delay coverage would generally cover things like your meals for the duration, hotel for the night, and the cost of the hotel room you had booked but did not use (if the hotel won’t refund you).   Here, your trip didn’t stop prematurely, it was just delayed a bit. 

Trip Interruption Coverage, instead, would come into play if you are already on your trip, but severe weather causes evacuation, or you incur an illness (like that sprained ankle) that prevents you from continuing.  

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But Do I Need Trip Interruption Coverage? 

• Type of trip you are taking  
• Total trip cost 
• Your personal risk tolerance 

For trips lasting multiple days, international, and/or active excursions (such as cruises, tour guided activities), trip interruption insurance may be recommended, since the longer duration the trip, the greater room for problems to pop up. 

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. 

  When Does Trip Interruption Coverage Begin? 

Requirements before coverage may begin: 

• When a specific travel package has been selected 
• On the day after the required premium for such coverage is received by the authorized representative 

Once requirements are met, your coverage will begin on the scheduled departure date.    

When Does Trip Interruption Coverage End? 

Coverages will end the earliest of the following: 

• The scheduled return date as stated on the travel tickets 
• The date and time you return to your origination point is 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 authorized in advance by our travel agent. 
• When your trip exceeds 90 days 
• The return date as stated on your purchase confirmation 

Travel plan benefits vary by selection. Explore our  Silver ,  Gold , and  Platinum  plans.   

How to get Trip Interruption Coverage 

Receive a  free quote  online within minutes. You can also call us to speak with our licensed Travel Insurance Advisors: 

Call 855-327-1441 

Monday-Saturday, 8 AM-7 PM Central Time  Disclaimer: It is important to note that the specifics of trip interruption will depend on the date of purchase and state of residency. Customers are advised to carefully review the terms and conditions of their policy and to contact AXA Partners with any questions or concerns they may have. 

What Qualifies as Trip Interruption? 

Okay, what exactly qualifies under trip interruption protection? AXA Travel Protection coverage can provide travelers with coverage when they face situations that force them to interrupt their travel schedule:   

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

How Much Does Trip Interruption Coverage Cost? 

All three of AXA’s Travel Protection plans include Trip Interruption coverage; maximum coverage per person is up to: 

Silver  

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

  Gold  

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

Platinum  

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

How to get a Travel Protection Quote? 

Receive a  free quote  within minutes, or call us at 855-327-1441 Monday-Saturday, 8 AM-7 PM Central Time to speak with our licensed Travel Insurance Advisors.  

  Disclaimer: It is important to note that the specifics of trip interruption will depend on the date of purchase and state of residency. Customers are advised to carefully review the terms and conditions of their policy and to contact AXA Partners with any questions or concerns they may have  

Other Things to Know 

Filing a claim.

If your trip gets delayed or interrupted, you must show that you’ve done everything you can to still continue with your scheduled plans. A common example is this: Let’s say you’re taking a 5-day cruise, but a storm grounds your plane for 2 days. By the time you get to your cruise destination, the ship has literally already sailed, and you can’t find a flight to your next port. This may be a good case where you may get interruption coverage. 

Just remember that you still have to show that you did everything you could to make those original plans: most plans require that demonstrate that you still tried to reconnect with your cruise or tour group, that this was, in fact, an “interruption” that caused you to miss your trip. To do this, it’s generally a good precaution to keep your receipts, document your efforts, document your experience, and keep all required documentation. Most coverage also abides by a 72-hour notification rule, but make sure you know the ins-and-outs of your specific plan beforehand. 

Interruption coverage usually provides a percentage reimbursement for covered scenarios. The amount of reimbursement and coverage will depend on which plan you select.  

If you need assistance, you can always contact AXA’s Travel Support Line at: 855-327-1441 . 

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 

For more information, contact us by phone at 855-327-1441 or here for online help options.  

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.

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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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 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.

Cancel For Any Reason Coverage

What is cancel for any reason (cfar).

Cancel For Any Reason (CFAR) is an optional benefit that allows you to cancel your trip for any reason! It offers flexibility and can be a good option for travelers who want the option to cancel their trip for any reason. When you purchase CFAR coverage, you can cancel the trip without losing your entire prepaid, nonrefundable vacation expenses. Optional Benefit to  Platinum  package holders only

Is Cancel For Any Reason coverage worth it?

If you have any inclinations that you may cancel your trip – whether for personal, professional, health, family, or other reasons – this optional benefit would be worth the value. Maximum Benefit: Up to 75% of Trip Cost

What is covered with CFAR?

• Prepaid Expenses
• Forfeited Expenses
• Non-refundable Expenses or Deposits

To learn more about this coverage, file for a  Free Quote  today

Other Travel Insurance Benefits:  Trip Cancellation ,   Emergency Evacuation ,  Baggage Loss ,  Cancel For Any Reason ,  Trip Interruption ,  Medical Travel Benefit , Trip Delay

Compare Travel Insurance Plans

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

Why choose AXA Travel Protection?

With a global presence, 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

Cancel For Any Reason FAQs

What are the requirements for CFAR Benefits to apply to your trip?

• Your premium is received within the 14-day time-sensitive period
• You insure all pre-paid trip costs that are subject to cancellation penalties or restrictions within fourteen (14) days of the cost of any subsequent arrangements
• You cancel your entire trip two (2) days or more before your scheduled departure date

When does my Trip Cancellation for Any Reason benefit expire?

• Two days before your scheduled departure time on the scheduled departure date of your trip
• The date and time you depart on your trip
• The date and time you cancel your trip
• If you plan to cancel your trip, you must cancel two days before your scheduled departure date

How much am I reimbursed for Cancel For Any Reason?

Maximum Benefit : Upto 75% of Trip Cost  

How to get a Travel Protection Quote

Receive a  free quote  within minutes Or call us at  855-327-1441  to speak with our licensed Travel Insurance Advisors. Monday-Saturday, 8 AM-7 PM Central Time Disclaimer: It is important to note that the specifics of CFAR will depend on the date of purchase and state of residency. Customers are advised to carefully review the terms and conditions of their policy and to act AXA Partners with any questions or concerns they may have .

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.

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AXA Travel Insurance Review — Is it Worth It?

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Why Get Travel Insurance?

Travel insurance and covid-19, types of policies available with axa, how to get a quote, axa vs. credit card travel insurance, axa vs. other travel insurance companies, how to file a claim with axa travel insurance, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Whether you’re traveling the world or crossing state lines, travel insurance such as the policies offered by AXA Travel Insurance can offer a safety net in case you have to cancel or interrupt your trip or need support along the way for medical emergencies, lost bags, or missed connections.

For more than 60 years, AXA Travel Insurance has provided peace of mind and financial stability to travelers. With solid ratings and underwriting by Nationwide Mutual Insurance, travel insurance plans sold by AXA are backed by an A.M. Best Excellent financial strength rating. AXA offers travel insurance with trip interruption and cancellation coverage, medical emergency and evacuation benefits, lost or delayed baggage, and more.

Let’s examine AXA’s travel insurance coverage options, benefits, and service and compare it to alternatives such as credit card travel coverage and other travel insurance providers.

Travel insurance can protect what you’ve invested in an upcoming trip. When the unexpected occurs, such as a trip cancellation or medical need , travel insurance can offer the benefits you need to cover it.

You might choose travel insurance for these reasons:

• Your trip has deposits or payments that you can’t get refunded if you need to cancel your trip.
• The health insurance you use at home doesn’t work at your destination.
• You’re planning activities that aren’t covered by your health insurance.
• Medical care is subpar at your destination and you may need to be evacuated to another location with adequate medical facilities.
• You’re concerned about the possibility of lost bags, delays, or missed connections, especially if you have multiple flights or transfers.

Travel insurance isn’t necessary for every trip, such as if you’re traveling domestically where your health insurance works and you don’t have major nonrefundable expenses. But travel insurance is worth it if you’ve got a lot of nonrefundable expenses invested in your trip or you’ll need medical coverage at your destination.

COVID-19 can interrupt your travel plans, whether you get sick and have to cancel a trip, need to quarantine or get medical treatment while traveling, or plan to visit a destination with high COVID-19 numbers. While some travel insurance companies  exclude COVID-19 from insurance coverage , AXA offers COVID-19 coverage as part of its travel protection plans , including trip cancellation and trip interruption and emergency medical and evacuation coverage.

Why Purchase Travel Insurance From AXA?

Any travel insurance company you purchase a policy from should be reputable, reliable, and stable. After all, you’re relying on the company to be there for you when you need it most. It pays to verify reviews and ratings — AXA offers good reassurance in this area.

With 64 years in business, AXA has an A- Better Business Bureau rating . On the travel insurance website Squaremouth , AXA has an overall 4.22/5 rating , with 0.1% negative reviews among more than 69,000 policies sold . AXA’s travel insurance plans are backed by Nationwide Mutual Insurance, which has an A (Excellent) financial strength rating from financial rating company A.M. Best. With 6 decades in business and solid ratings , AXA is a travel insurance company you can trust.

AXA offers travel insurance with medical and emergency evacuation benefits, trip cancellation and interruption, baggage loss, and Cancel for Any Reason (CFAR) options. Let’s look at the details of AXA travel insurance policies.

AXA offers 3 levels of travel insurance : Silver, Gold, and Platinum . Each level offers different limits, but all of AXA’s policies have 100% trip cancellation coverage, emergency medical coverage and medical evacuation, baggage delay and loss, and missed connection coverage.

Let’s compare what you get with each policy:

With plans as low as $16 and minimal coverage, AXA recommends the Silver plan for domestic travel. You can cover 100% of your trip cost for trip cancellation and interruption coverage. If your travel is delayed, you can get up to $100 per day for expenses, up to $500 total, and $200 for delayed baggage.

There’s also $500 in missed connection coverage. The $25,000 in emergency medical expense coverage isn’t much, but it might be adequate for domestic travel if you’re using your primary health insurance first.

Gold plans start at $36 but add more coverage and are appropriate for cruises or Schengen travel . Like the Silver plan, the Gold plan offers up to 100% trip cancellation coverage but bumps trip interruption to 150% of your trip cost. Limits for all coverages are higher, with $200 per day and $1,000 maximum in trip delay coverage and $1,000 for missed connections. Baggage delays offer up to $300, and you can get up to $1,500 for lost baggage and personal effects.

The health coverage is also much higher at $100,000, and it adds a $50,000 non-medical emergency evacuation option on top of the $500,000 medical emergency evacuation benefit. This plan also offers an optional $35,000 collision damage waiver.

The Platinum plan , starting at $52, steps up coverage and offers additional options. You’ll get 100% trip cost coverage for trip cancellation and 150% for trip interruption. Trip delay coverage offers up to $300 per day and a $1,250 maximum, plus $600 for baggage delays and $3,000 for lost baggage and personal effects.

Emergency medical treatment is also higher at $250,000, and you’re covered for $1 million in emergency medical evacuation — $100,000 for non-medical evacuation.

The Platinum plan also offers additional coverage for sports, with $25 per day for lost skier days, $500 for lost golf rounds, and $1,000 for sports equipment rental. It also offers optional coverage for up to 75% of trip cost with Cancel for Any Reason coverage and a $50,000 collision damage waiver.

You can get a quote directly from AXA by visiting the AXA Travel Insurance website . The quote form is the first thing you’ll see on the homepage.

To start your quote, you’ll fill out the quote form, including your state of residence, destination country, travel dates, first deposit date, total trip cost, number of travelers (up to 10), and the age of travelers.

Once you fill out the form, you’ll be presented with plan options. For a 60-year-old visiting Japan and spending $2,500, we were offered a Silver ($155), Gold ($183), or Platinum ($218) plan .

If you select a Platinum plan, you will be able to add CFAR optional coverage for up to 75% of your trip cost.

With your plan and options selected, the next and final step to secure coverage is entering your traveler information including your name and contact information, then making your payment for the policy.

How AXA Compares — Summary

AXA is a good option for travel insurance, but it’s not your only option. Let’s see how AXA compares to the coverage you can get from popular travel credit cards and travel insurance competitors .

Many travel credit cards offer travel insurance as a complimentary benefit, whether it’s car rental collision waivers , trip cancellation coverage , or emergency medical and evacuation benefits. This coverage can be helpful if you’re using your card to pay for your travel expenses, but it’s often not as comprehensive as the coverage you can get from a travel insurance policy like what AXA offers .

Let’s compare AXA’s best travel insurance policy against The Platinum Card ®  from American Express  and the  Chase Sapphire Reserve ® , which both offer some of the best travel protections available with credit card benefits.

Unless you’re taking a trip with expenses higher than $10,000, the trip cancellation coverage should be about the same whether you’re using an Amex Platinum card, Chase Sapphire Reserve card, or the AXA Platinum plan. However, the AXA Platinum plan comes out ahead with 150% of your trip cost for trip interruption.

We see a major difference in coverage for emergency medical treatment and evacuation. The Amex Platinum card doesn’t offer emergency medical coverage, but you can arrange an emergency medical evacuation using the Premium Global Assist Hotline. The Chase Sapphire Reserve card offers up to $2,500 in emergency medical coverage and $100,000 for emergency evacuation. Neither of these offerings compares to the $250,000 in emergency medical coverage and $1 million in emergency medical evacuation coverage you can get from AXA Platinum.

Credit card travel insurance coverage is complimentary if you already have the card, but it is lacking in some areas. It’s a good idea to use your card’s travel insurance as a backup for trip cancellation, interruption, travel delays, or lost baggage, but use the AXA Platinum plan for its superior emergency medical and evacuation coverage.

It’s always a good idea to compare travel insurance quotes across multiple providers so you can find the best price and coverage. We used Squaremouth , a travel insurance comparison website, to see how AXA’s policies compare to those of other companies.

As with the initial price quotes we pulled from AXA’s website, our sample trip on Squaremouth had:

• Traveling to Japan a month from now
• Trip cost: $2,500
• Initial trip deposit paid within the last 24 hours
• State of residence: Texas

We limited results to policies that offer at least as much coverage as the AXA Platinum policy does on major benefits:

• COVID-19 coverage
• Minimum $250,000 emergency medical benefit
• Minimum $1 million emergency medical benefit
• 100% trip cancellation
• 150% trip interruption

Each policy offered nearly identical coverage for these major benefits, and Tin Leg ‘s Silver plan had the lowest cost at $164.35, followed closely by $165.84 from HTH Worldwide ‘s TripProtector Classic plan.

If you’re mainly concerned with full coverage for trip cancellation and interruption along with $250,000 in emergency medical and $1 million for emergency medical evacuation, you can save if you go with Tin Leg .

However, the higher-priced policies offer additional coverage and options. For example, AXA Platinum offers the option to add Cancel for Any Reason coverage and includes sports equipment rentals and missed ski days or golf rounds. Tin Leg doesn’t have missed connection coverage, but Seven Corners Trip Protection Choice and AXA Platinum offer up to $1,500 for missed connections on cruises or tours.

All of the policies we quoted except for Tin Leg Silver offer employment layoff as a covered cancellation reason, and AXA Platinum allows you to cancel your trip for work reasons, though none of the other policies do. AXA Platinum also offers $100,000 in non-medical evacuation , which Tin Leg Silver and HTH Worldwide TripProtector Classic policies do not, and is much higher than the $20,000 benefit offered by the Seven Corners Trip Protection Choice policy.

AXA Platinum has a higher cost than competitors but offers more robust coverage. If you’re mainly concerned with major coverage for trip cancellation and interruption, emergency medical, and emergency evacuation, other travel insurance companies may offer a better quote. But if you want additional coverage and options such as non-medical evacuation and expanded cancellation reasons, check out the details on what AXA Platinum offers.

You can file a claim with AXA in a few ways:

• Using the claim administrator portal

If you’d like to file your claim online, you can visit the portal for Co-Ordinated Benefit Plans and enter your policy number and last name to get started.

Alternatively, you can call AXA toll-free at 888-957-5015 or collect at 727-450-8794 .

If you’d like to submit your claim via email or mail, you can download claim forms on the AXA website.

Once you download the claim form, you’ll get a list of documents required for submitting your travel insurance claim, along with mail or email info. For example, on a trip interruption claim form, AXA requires you to send in:

• Completed claim form
• Policy verification
• Booking confirmation, such as a ticket or proof of purchase
• Your original unused, nonrefundable tickets
• Your new ticket with confirmation of early return
• A cancellation statement from travel suppliers
• A medical report or physician statement if you interrupted the trip due to medical necessity
• Death certificate, if applicable
• Documentation of circumstances that led to trip interruption
• Documentation of reimbursement request expenses, such as receipts or credit card statements

You can email the form and other required documents to [email protected] or mail to:

AXA Assistance USA On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies P.O. Box 26222 Tampa, FL 33623

AXA Travel Insurance is a reliable option with more than 6 decades of experience and solid ratings. There are 3 levels of coverage to choose from — Silver, Gold, and Platinum — that offer varying levels of coverage and options. AXA Travel Insurance isn’t the cheapest option, but it offers robust coverage options and reputable service, so it can be a good choice if you’re looking for enhanced travel protection.

For the premium global assist hotline benefit of The Platinum Card ® from American Express, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

For the car rental loss and damage insurance benefit of The Platinum Card ® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the baggage insurance plan benefit of The Platinum Card ® from American Express, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the trip delay insurance benefit of The Platinum Card ® from American Express, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip cancellation and interruption insurance benefit of The Platinum Card ® from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Does the axa silver travel insurance plan provide coverage for a safari.

Yes, AXA’s travel insurance policies offer coverage for safaris, including emergency medical expenses. Safaris are under the sports and activities covered for emergency medical and repatriation costs and personal accidents.

Is AXA travel insurance worth it?

AXA travel insurance can be worth it if you need coverage for significant nonrefundable expenses or your health coverage doesn’t extend to your destination. Competitors may offer lower cost policies for similar major coverage, but AXA may have greater policy options, so it’s a good idea to compare your options.

Is AXA travel insurance good for a Schengen visa?

AXA recommends its Gold plan or higher for Schengen travel.

Is AXA an international insurance?

Yes, you can use AXA for international travel , with coverage for countries in Europe, Asia and Pacific islands, the U.S. and Canada, Africa and the Middle East, Latin America, and the Caribbean.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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Introduction to AXA Travel Insurance

• Coverage Options Offered by AXA
• AXA Assistance USA Cost

AXA Customer Service Reviews

Compare axa travel insurance.

• Why You Should Trust Us

AXA Assistance USA Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Travel insurance is important because it can help cover the cost of unexpected medical expenses while you're traveling. It can also reimburse you for lost or stolen baggage, canceled flights, and other unforeseeable problems that may occur while you're away from home.

Simply put, there's a lot to consider.

But not all policies are created equal, and you must understand what you're covered for before you purchase a policy. This article will look in-depth at AXA Assistance USA travel insurance. We'll discuss the costs, coverage limits, exclusions, and more to help you make an informed decision about whether or not this particular travel insurance provider is right for you.

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

AXA Assistance USA is among the best travel insurance companies . It covers the fundamentals of travel insurance, with coverage for trip cancellations, medical expenses, and emergency medical/non-medical evacuation. With three plans, AXA also offers coverage for travelers with various budgets.

It's worth noting that many important add-ons aren't available for AXA's cheapest Silver plan, such as pre-existing condition coverage, rental car add-ons, and Schengen travel insurance. Cancel for any reason coverage is also only available for AXA's most expensive Platinum plan. 

Coverage Options Offered by AXA 

AXA Assistance USA offers three levels of coverage: Silver, Gold, and Platinum. Each plan comes with different protections and varying coverage limits, with the Silver being the most basic option and Platinum offering the most premium coverage.

Some policies might even include added coverage free of charge, such as a waiver for pre-existing conditions , which is free for Gold and Platinum plans as long as you purchase your plan within 14 days of your trip deposit.

Specialized Coverage Options

The plan you purchase will determine which add-ons are available. For example, those with a Platinum plan can add CFAR (cancel for any reason) coverage , allowing you to receive a full refund if you cancel your trip within 14 days of making the initial deposit.

Or, if you want extra protection for your rental car, depending on your AXA plan, you might be able to add a collision damage waiver (CDW). Policyholders with Gold plans can add $35,000 CDW, and those with Platinum plans can include $50,000 CDW.

If you're traveling within the Schengen Territory, which is made up of 27 European countries, you may eligible for Schengen Travel Insurance, which covers you in all 27 countries. This option is only available for Gold and Platinum travelers and coverage lasts up to 90 days.

AXA Assistance USA Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The average cost of travel insurance is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate AXA's coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  AXA travel insurance quotes:

• AXA Silver: $83
• AXA Gold: $107
• AXA Platinum: $127

Premiums for AXA plans are between 2.7% and 4.2% of the trip's cost, well below the average cost of travel insurance. It's also relatively cheap compared to many of its competitors

AXA provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• AXA Silver: $109
• AXA Gold: $128
• AXA Platinum: $153

Once again, premiums forAXA plans are between 3.6% and 3.8%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following AXA quotes:

• AXA Silver: $392
• AXA Gold: $462
• AXA Platinum: $550

Premiums for AXA plans are between 6.5% and 9.2%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to Purchase and Manage Your AXA Policy

The process of purchasing an AXA policy is simple. After obtaining your quote, you'll need to decide which of AXA's three plans you want to buy. When you pay for your plan, be prepared to provide additional personal information, like your birthday, phone number, and address. 

Once you finalize your purchase, you'll have a 10-day free look period, in which you can cancel your policy and get your money back. 

How to File a Claim with AXA Travel Insurance

To file a claim with AXA Assistance USA, head to the claims forms online to find the appropriate form. Once you've filled out your form and gathered the required documentation, you can email them to [email protected] or send them by mail to:

AXA Assistance USA

On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies

P.O. Box 26222

Tampa, FL 33623

If you need assistance when filing claims, AXA's claims office can be reached at 1-888-957-5015 (within the U.S.) and 1-727-450-8794 (outside the U.S.). Office hours are 9:30 a.m.-5 p.m. ET on Thursdays and 8:30 a.m.-5 p.m. ET on all other weekdays. 

AXA's U.S. branch has few reviews on Trustpilot and the Better Business Bureau — just over 20 between the two sites. Its UK branch has over 1,100 reviews, most of which are overwhelmingly negative. However, the quality of AXA Travel Insurance UK isn't necessarily indicative of its U.S. coverage. 

In fact, on SquareMouth, where the majority of AXA U.S.'s reviews, reviews are generally positive. It received an average of 4.22 stars out of five across over 900 reviews. Customers reported that adjusting an AXA policy was easy and the customer service team was responsive. However, reviews on the claims process was more mixed, with spotty communication and long wait times. 

See how AXA travel insurance compares to top travel insurance providers.

AXA Assistance USA vs. AIG Travel Guard

When comparing AXA to Travel Guard , we'll look at the coverage levels from their mid-tier plans, the Silver plan and Travel Guard Preferred plan, respectively.

With Travel Guard Preferred plan, you'll get:

• Trip cancellation coverage up to $150,000
• Trip interruption coverage up to $225,000
• Emergency medical coverage of $50,000
• Coverage for baggage loss, theft, or damage up to $1,000
• Travel delay coverage of up to $800

Comparing those Travel Guard coverages with AXA's Silver plan, you'll see that AXA's coverage limits are a bit higher. With AXA's Silver plan you'll get $100,000 in emergency medical coverage, for example. And the baggage loss coverage limit is up to $1,500.

If you're looking for greater coverage limits, AXA makes the most sense in this scenario. But premiums will also vary based on factors like the traveler's age, trip destination, and trip cost. So you'll have to run your own numbers to make a final decision.

Read our AIG Travel Insurance review here.

AXA Assistance USA vs. Allianz Travel Insurance

Allianz Travel Insurance provides single-trip and multi-trip insurance for travelers who want to go abroad for an extended period of time. And, like with all insurance, the various plans have varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage for $50,000
• Coverage for baggage loss, theft or damage up to $1,000
• Travel delay coverage up to $800

Looking at AXA's mid-tier Silver plan, you'll see that, again, AXA offers more coverage for emergency medical and baggage loss, theft, or damage than Allianz Travel Insurance. That said, if cost is an essential factor for you, you'll have to get quotes using your personal trip information to make an informed decision.

Read our Allianz Travel Insurance review here.

AXA Assistance USA vs. Credit Card Travel Insurance

Already have a great travel credit card, like the Chase Sapphire Reserve or American Express Platinum? Some of the standard coverages, such as rental car insurance, may be included in the card you already have. It's a good idea to research the terms of your credit card's travel protection before purchasing a separate travel insurance policy.

If you're driving to your destination and don't have any non-refundable trip expenses, the coverage from your credit card may be enough. Another time it might work is if you have health insurance covering you while abroad and you're in good health without worrying about possible medical costs.

It's essential to remember that credit card coverage is usually secondary. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Why You Should Trust Us: How We Reviewed AXA Assistance USA

We researched AXA by evaluating its travel insurance plans compared to other plans from the top travel insurance companies. The aspects we looked at included, but were not limited to, different coverage options, claims limits, what is covered, available add-ons, and extra services for policy holders.

What's important when choosing a policy isn't just the price — it's making sure you're getting adequate coverage that meets your needs without breaking the bank. Filing a claim should also be easy and stress-free if you ever have to use your policy.

Read more about how Business Insider rates insurance products here.

AXA Assistance USA FAQs

If you're diagnosed with COVID-19 before a trip and need to cancel, AXA may cover your expenses. Additionally, a COVID-19 diagnosis during a trip may be covered under AXA's medical expense, trip interruption, and trip delay benefits. Be sure to review your policy to ensure coverage details. 

While you may extend your coverage in certain circumstances, such as extended hospitalization, and update your travel dates prior to your departure, you can't extend AXA travel insurance plans while you're traveling. 

AXA's Gold and Platinum plan cover pre-existing medical conditions as long as you purchase your policy within 14 days of your initial trip deposit. AXA's Silver plan does not cover pre-existing conditions and has a 60-day look-back period. 

You can download AXA claims forms on its website and email them to [email protected].

AXA isn't the most flexible travel insurance company and isn't great at specializing, but it offers comprehensive general coverage. Its prices aren't significantly more expensive or cheaper than its competitors.

• Main content

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

AXA Assistance USA

Generous coverage for medical expenses and medical evacuation

Cancel for any reason (CFAR) coverage available with Platinum plan

Gold and Platinum plans can cover preexisting medical conditions

Silver plan doesn't offer any optional coverages

Unimpressive reviews from past customers

What AXA Assistance USA Is Known For 

AXA Assistance USA offers three main travel insurance options that help consumers protect against various mishaps that can occur during trips within the United States and abroad. For example, the company's Silver, Gold and Platinum plans offer coverage for trip cancellations and interruptions, lost and delayed baggage, travel delays, emergency medical expenses, and more. While the basic Silver plan offers essential coverage at a more affordable price point, the Gold and Platinum plans from this provider offer more benefits and higher coverage limits overall.

Standout benefits of AXA Assistance's premium travel insurance plans include a selection of optional coverages consumers can purchase for more protection. While the Silver plan doesn't have any optional benefits, consumers who choose the Gold plan can tailor their coverage with optional rental car coverage. With the Platinum plan, travelers can add on coverage for lost ski days, lost golf rounds, sports equipment rentals and car rentals.

Platinum coverage is also the only plan from AXA Assistance that lets travelers purchase cancel for any reason (CFAR) coverage . This type of insurance reimburses travelers with 75% of their prepaid trip costs for airfare, hotels, tours and more, and it can apply when travelers cancel their trip for any reason at all.

Also note that both the Gold and Platinum plans from AXA Assistance USA provide coverage for preexisting medical conditions that existed at least 60 days before purchasing a policy. However, travelers do need to pay for their insurance coverage within 14 days of making an initial trip deposit for preexisting medical coverage to apply.

At the end of the day, there's plenty to like when it comes to the travel insurance options from this provider, whether you want essential benefits only or a premium plan with all the bells and whistles. Not only does AXA Assistance offer several plans that can suit different types of trips, but its optional coverage options make it even easier to tailor a travel insurance policy to your needs.

AXA Assistance USA for Individual Trips

Like other travel insurance providers, AXA Assistance offers several tiers of coverage to choose from. This makes it easier for travelers to select the exact amount of travel insurance protection they need with the policy limits that make sense for their trip.

The chart below provides an overview of available plans, what they include and policy limits that apply.

Available coverage from AXA Assistance USA is offered in three tiers. Where the Silver plan offers limited benefits and lower policy limits overall, the Platinum plan offers more included perks, more optional coverage options and higher policy limits overall. The Gold falls somewhere in between.

Here's an overview of the type of traveler each plan could work best for:

• Silver: While the Silver plan is the lowest tier of coverage available from AXA Assistance USA, it still offers generous benefits for medical expenses and emergency evacuation coverage. Other included perks can also protect your trip, including coverage for lost or delayed bags, missed connections, travel delays, and more. Overall, this plan is geared to travelers who want ample coverage for medical emergencies but want to pay lower premiums for their plan.
• Gold: The Gold plan from AXA Assistance USA offers higher limits than the Silver plan, especially when it comes to medical expenses and emergency medical evacuation. This makes it a solid option for people who are mostly worried about having coverage that can pay for emergency medical bills or emergency medical evacuation in the event of an injury or illness. Of course, additional benefits with this plan also come with higher policy limits as well.
• Platinum: The Platinum plan from this provider is for travelers who want the highest policy limits for medical emergencies, medical evacuation, travel delays, lost or delayed baggage, and more. This plan also has the most optional coverages that let you tailor your travel protection to your unique needs, and it's the only one from this provider that lets you purchase CFAR coverage. This additional benefit lets you cancel your trip for any reason you want and get 75% of your prepaid travel expenses back.

AXA Assistance USA Costs

The costs for a travel insurance plan can vary widely based on the company you purchase from, the ages of travelers in your group, your destination, the length of your trip and other factors. The tier of coverage you select can also impact your travel insurance premiums, especially if you opt for a premium plan with more benefits and higher levels of coverage.

We applied for travel insurance quotes for a range of example trips to help you find out approximately what you would pay with AXA Assistance USA. Note that premiums shared below do not include any optional coverages.

Reading travel insurance reviews can give you a glimpse into the experiences of past users when it comes to filing claims and receiving reimbursement. Unfortunately, this is one area where AXA Assistance USA appears to have some issues.

While the company has an A- rating with the Better Business Bureau (BBB), it is not accredited. AXA Assistance also has an average star rating of 1.47 out of 5 stars across user reviews on the BBB, and it has 35 closed customer complaints on the platform in the last three years. On other review platforms, it has a higher star rating.

The reviews below from various platforms provide a mix of positive experiences along with some of the most common customer complaints found with the company.

AXA Assistance USA Gold

Due to a personal tragedy at home my wife and I interrupted a cruise and returned home at the next port. The claim form and related documentation requested by AXA Assistance USA was emailed to their claims office on December 9th. On December 14th, I received an email from the claims adjuster confirming approval of the claim and that the payment check would be received in 10 to 15 business days. Based on my experience I would highly recommend this company. – John R. via InsureMyTrip

Policy: Gold

Absolutely terrible customer service experience. I filed my claim in January, after my flights were canceled and delayed. I did not even hear back until March! The message—delivered two months later—was garbled and incoherent. The amount of reimbursement was left blank, and the larger portion of the claim was denied, without a clear explanation of why. This is NOT what I expected when I paid over $2,000 for a policy! To date, no human spoke to me or emailed me. My calls haven't been returned, and no adequate explanation had been given. The denial "letter" simply quoted from the exclusions language of the policy but offered NO explanations as to why the exclusions purportedly applied. Extremely disappointed in the "services" offered. – Nicole via Squaremouth

Customer Review

They paid very slowly, but they eventually did pay. I took a trip to ***** in June 2022. While there, I got COVID just before I was to return. My return home was delayed by 9 days, and I had to buy a new return ticket home to *******. They do not respond to emails (other than the standard automatic "We received your correspondence, blah blah") but no personal communication until 8 to 10 weeks later. Don't bother calling because you will be put on hold for a very long time, then be disconnected. So, a grade of "F" for communication. Eventually I was contacted, however, and the claims agent asked for more information, including pdf copies of my receipts. I sent them the documentation and receipts, and to my shock, three weeks later, a check arrived in the mail with the full amount of reimbursement I had requested. I expected them to quibble over the receipts, but they didn't. Can I recommend them? No. Will I insure with them in the future? Certainly not. But to their credit they did reimburse me, and for the full amount I asked for. – William S. via Better Business Bureau

I had to cancel my trip. I ripped up my knee. I just got confirmation from AXA that I would receive a check for the full amount of the cost of the trip. I am looking forward to receiving my check. It was quite timely on their part. I would definitely recommend them and use them for my next trip. – Carl K. via InsureMyTrip

I am appalled by the poor service I have received thus far from AXA Assistance USA. The length of time to process a claim and respond to inquiries is absurd. – Sally via Squaremouth

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been writing about travel insurance for more than 10 years. Johnson has researched and purchased travel insurance plans for her own trips to destinations around the world, and she currently uses an annual travel insurance plan from Allianz for her own family. Johnson has two teenage girls and co-owns the travel agency Travel Blue Book . She works alongside her husband, Greg – who sells travel insurance for trips all over the world – in their family media business.

Read more about AXA Assistance USA in:

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AIG Travel Guard insurance review: What you need to know

Whether you need an annual plan or a policy for a last-minute trip, travel guard can deliver..

Travel Guard is one of CNBC Select 's picks for best travel insurance , thanks to its wide range of customizable policies. But are any of them right for you? Below, we review the provider and its offers and how they compare to the competition to help you choose the right travel insurance for your next trip.

Travel Guard review

Other insurance offered, how it compares, bottom line, travel guard® travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

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• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

Travel Guard® is a global travel insurance provider specializing in plans for leisure and business travelers. Its online travel insurance packages include five options, from basic and last-minute trip coverage to more comprehensive plans. This allows travelers to pick a plan that best matches their situation.

For example, budget-minded travelers might go for the Essential Plan which offers basic protections, such as trip cancellation, interruption and delay insurance, coverage for lost, damaged and delayed baggage, and medical, evacuation and death coverage.

On the other hand, the Deluxe Plan — the most comprehensive option — adds such extras as missed connection coverage, security evacuation, travel inconvenience benefits and more. It also boosts high limits for essential coverages.

Last-minute travelers can opt for the Pack N' Go Plan which only includes certain post-departure coverages. Or, if you travel often, the Annual Plan can cover your trips throughout the year.

Finally, Travel Guard offers "offline" travel insurance packages, meaning you'll have to call if you're looking for a specialty plan.

Coverage types

Depending on the plan, here are the types of protection Travel Guard can include in your package:

• Trip cancellations
• Trip interruption
• Baggage coverage
• Baggage delay
• Travel medical expenses
• Travel inconvenience benefits (reimbursement for such situations as runway delays, cruise diversion and other unforeseen situations)
• Medical evacuation
• Trip Saver (reimbursement for meals, hotels and transportation if you need to begin your trip sooner due to weather or airline changes)
• Trip exchange (reimbursement in case you have to cancel your trip and book a new one due to covered unforeseen circumstances)
• Security evacuation (due to a riot or civil disorder)
• Flight guard (coverage for accidental death or dismemberment that occurs when traveling by plane)
• Pre-existing medical conditions exclusion waiver

You can also customize your plan with add-ons, such as car rental insurance and "cancel for any reason" coverage .

Travel Guard landed on our list of the best travel insurance companies thanks to its variety of coverage. With plenty of options to choose from, both online and offline, it's easy to build a policy that meets your needs.

Travel Guard also features 24-hour concierge services that you can use to book a new flight in case of an emergency or delay.

The provider's website also offers informational resources — here, you can check travel news, read safety tips and find general travel advice. Additionally, the website lets you modify your plan, file a claim and check its status, or apply for a voucher or refund.

As of writing, Travel Guard doesn't offer any discounts. That's common for travel insurance — you're more likely to find deals when shopping for other types of insurance, such as home and auto insurance .

Travel Guard is a portfolio of travel insurance and travel-related services offered by AIG Travel, a member of American International Group (AIG). AIG also offers life insurance and a variety of business insurance products.

Travel Guard makes it easy to get a travel insurance policy customized to your needs. But before you purchase coverage, it's always a good idea to shop around.

For example, if you're going on a cruise, you might want to look at Nationwide Travel Insurance . The provider advertises cruise-specific insurance with three plan options available. This type of coverage is designed with issues unique to cruises in mind — from ship-based breakdowns to missed pre-pard excursions.

If you're planning a more active trip filled with rock climbing or sky diving, Berkshire Hathaway offers the AdrenalineCare® plan which features coverage for unforeseen costs that result from participating in extreme sports on your trip, as well as reimbursement for sporting equipment delay. Pre-existing conditions are covered under this plan (if you meet qualifying conditions).

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

As you can see, offerings vary by provider. It can be helpful to compare multiple companies and the plans they offer to find what works best for you. It's even better if you gather several quotes to ensure you're getting a good price for your policy.

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Travel Guard offers plenty of ways to customize your policy, making it a solid choice for travel insurance. You can also access additional options by giving Travel Guard a call. However, make sure to check out other travel insurance companies too — comparison shopping is essential when picking any type of financial product.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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