AXA Assistance USA travel insurance review 2024
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
BLUEPRINT
Published 12:39 p.m. UTC April 16, 2024
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Pros
- Primary coverage for emergency medical benefits.
- $1 million coverage for emergency evacuation.
- Excellent lost baggage coverage of $3,000 per person.
- Best-in-class 75% “cancel for any reason” upgrade available.
- Covers lost ski and golf days due to bad weather.
Cons
- 12-hour wait before travel or baggage delay coverage applies.
- No “interruption for any reason” coverage.
- Missed connection coverage applies only to cruises and tours.
Why trust our travel insurance experts
Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 1,855 coverage details evaluated.
- 567 rates reviewed.
- 5 levels of fact-checking.
AXA travel insurance plans
AXA Assistance USA offers travelers three comprehensive plans: Silver, Gold and Platinum. Each plan includes coverage for trip cancellation, interruption, emergency medical expense, emergency evacuation and baggage delay. Here’s a sample of the coverage you can expect from each policy.
Silver
AXA’s budget-friendly Silver plan includes the following benefits.
- Trip interruption insurance: 100% of your trip cost.
- Missed connections: $500.
- Travel medical insurance: $25,000 per person.
- Emergency medical evacuation: $100,000 per person.
- Accidental death and dismemberment: $10,000 per person.
- Baggage and personal effects: $150 per article, up to $750.
Gold
The Gold plan covers everything the Silver plan covers but increases the coverage limits.
- Trip interruption insurance: 150% of your trip cost.
- Travel medical insurance: $100,000 per person.
- Emergency medical evacuation: $500,000.
Unlike the Silver plan, the Gold plan also includes coverage for non-medical emergency evacuation and the option to purchase a collision damage waiver for rental cars.
Platinum
A benefit of AXA’s Platinum plan is that it covers sports equipment. If the airline loses your golf clubs or skis, the Platinum plan pays $25 per day for lost ski days, $500 for lost golf rounds and $1,000 for sports rental.
AXA’s Platinum plan also increases the optional collision damage waiver from $35,000 to $50,000.
And this is the only AXA travel insurance plan that gives you the option to upgrade to “cancel for any reason” (CFAR) coverage. This coverage reimburses up to 75% of your prepaid and nonrefundable trip expenses, as long as you cancel your trip at least 48 hours prior to departure.
Compare AXA travel insurance plans
| TRAVEL INSURANCE BENEFIT | SILVER | GOLD | PLATINUM |
|---|---|---|---|
Trip interruption
| 100% of trip cost
| 150% of trip cost
| 150% of trip cost
|
Trip delay
| $100/day
$500 maximum
| $200/day
$1,000 maximum
| $300/day
$1,250 maximum
|
Missed connection
| $500
| $1,000
| $1,500
|
Emergency medical expense
| $25,000
| $100,000
| $250,000
|
Emergency medical evacuation
| $100,000
| $500,000
| $1,000,000
|
Non-medical emergency evacuation
| N/A
| $50,000
| $100,000
|
Baggage delay
| $200
| $300
| $600
|
Baggage and personal effects
| $750
| $1,500
| $3,000
|
Sports equipment rental
| N/A
| N/A
| $1,000
|
Additional coverage options
“Cancel-for-any-reason” (CFAR) coverage
Platinum plan policyholders have the option to purchase upgraded “cancel-for-any-reason” (CFAR) coverage, which allows you to cancel for any reason, not just those listed in your policy. CFAR coverage must be purchased within 14 days of paying the initial trip deposit. It covers up to 75% of your prepaid nonrefundable trip expenses provided you cancel your trip at least 48 hours prior to departure.
Collision damage waiver
Gold and Premium plans come with the option to purchase a collision damage waiver to cover rental car damage, collision or loss anywhere in the world. The Gold plan includes up to $35,000 in coverage while the Platinum plan offers up to $50,000.
What isn't covered by AXA travel insurance?
Like all travel insurance companies, AXA Assistance USA does not cover every incident that occurs while traveling. It’s a good idea to read your policy closely to learn what is and what is not covered.
Here are some examples of exclusions to AXA Assistance USA’s Platinum plan:
- Event cancellations.
- Travel to Afghanistan, Belarus, Burundi, Central African Republic, Chad, Congo, Crimea/Sevastopol, Eritrea, Guinea, Iran, Iraq, Lebanon, Liberia, Libya, Mali, Niger, North Korea, Pakistan, Russia, Sierra Leone, Somalia, South Sudan, Sudan, Syria, Ukraine, Venezuela and Yemen.
- War risks, civil commotion or terrorism.
- Dental treatment (except as a result of accidental injury).
- Suicide or attempted suicide.
AXA Assistance travel insurance rates
The price of AXA travel insurance will vary based on factors such as the plan you choose, your age, the length of the trip and your destination. In general, the average cost of travel insurance is 5% to 6% of your total trip cost.
Here are some sample quotes to give you an idea of how much you might pay for AXA’s Platinum plan.
| SAMPLE TRIP | AXA PLATINUM PLAN COST |
|---|---|
Two travelers, age 30
Mexico for 8 days
$3,000 trip cost
| $184
|
Two travelers, age 40
Italy for 17 days
$6,000 trip cost
| $264
|
Two travelers, age 70
Mexico for 8 days
$3,000 trip cost
| $422
|
Two travelers, both age 65
Italy for 17 days
$6,000 trip cost
| $550
|
Four travelers, ages 40, 40, 10 and 7
Italy for 17 days
$15,000 trip cost
| $624
|
Compare the best travel insurance companies of 2024
| Travel insurance company | Top-scoring plan | Our rating | Medical benefits per person | Evacuation limits per person | Learn More | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Atlas Journey Preferred | $250,000 primary coverage | $1,000,000 | Compare Quotes Via TravelInsurance.com’s website | |||||||||
| ||||||||||||
 Travel Insured International | Worldwide Trip Protector | $100,000 primary coverage | $1,000,000 | Compare Quotes Via TravelInsurance.com’s website | ||||||||
| ||||||||||||
| Classic | $100,000 primary coverage | $1,000,000 | Compare Quotes Via TravelInsurance.com’s website | |||||||||
| ||||||||||||
| Go Ready Choice | $50,000 secondary coverage | $250,000 | Compare Quotes Via TravelInsurance.com’s website | |||||||||
| ||||||||||||
| Travel Select | $50,000 primary coverage | $500,000 | Compare Quotes Via TravelInsurance.com’s website | |||||||||
| ||||||||||||
| Travel Guard Preferred | $50,000 primary coverage | $500,000 | Compare Quotes Via TravelInsurance.com’s website | |||||||||
| ||||||||||||
| Cruise Choice | $100,000 secondary coverage | $500,000 | Compare Quotes Via TravelInsurance.com’s website | |||||||||
| ||||||||||||
 AXA Assistance USA | Platinum | $250,000 primary coverage | $1,000,000 | Compare Quotes Via TravelInsurance.com’s website | ||||||||
|
Methodology
Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.
Insurers could score up to 100 points based on the following factors:
- Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
- Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
- Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
- Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
- Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
- “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
- Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
- Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
- Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.
Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.
AXA travel insurance FAQs
AXA travel insurance is a good option. It gets 3.5 stars out of 5 in our rating of the best travel insurance of 2024.
Yes, AXA travel insurance offers “cancel for any reason” (CFAR) coverage as an optional upgrade to the Platinum plan. This coverage can reimburse you for up to 75% of your prepaid and nonrefundable trip expenses if you cancel your trip for any reason, as long as you cancel at least 48 hours before your scheduled departure.
CFAR coverage is only available as an optional benefit on the Platinum plan and must be purchased within 14 days of your first trip deposit.
Yes, AXA travel insurance covers both domestic and international travel.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
