Coronavirus update (May 2020): AXA is not covering any cancellation claim related to coronavirus (COVID-19) for any new policy purchased after 3pm on 13th March 2020, or for any new trip booked after this date that's covered by an existing annual multi trip policy. Click here for more details.
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AXA travel insurance offers solid cover, including Insolvency, Baggage, Cancellation, Delay and Catastrophe on all plans, for very competitive prices. All in all, one of our favourite insurers in terms of value for money.
In this review we attempt to explain the particulars of AXA travel insurance. We are not recommending any policy in particular. Finding the best travel insurance for you will depend upon your individual needs and situation.
In This Review
- Overall Review
- Policy Limits and Coverage Options
- Comparing AXA to the Competition
- Policy Wording and Claims
AXA Travel Insurance Review: What You Need to Know
AXA offers three tiers of travel insurance cover: Bronze, Silver and Gold. They each include the same types of cover, but with increasing cover limits. AXA policies stand out because they include as standard some key features that are not always included on competing plans: Baggage, Trip Delay and Cancellation, Insolvency and Catastrophe (e.g., fire, flood, earthquake, volcanic eruption, storm, avalanche, etc.) cover.
Does AXA Travel Insurance Cover Trips in the UK? UK holidays are covered with AXA travel insurance, as long as you pre-booked at least 2 consecutive nights of accommodation.
Pre-Existing Conditions: AXA covers many pre-existing medical conditions at no extra charge. Through AXA's online medical screening process you will answer a few questions to declare your pre-existing diseases, illnesses or conditions. Be sure to declare your conditions or you may not be covered for them should you need to claim on the medical cover.
Over 65s: Single trip policies an upper age limit of 80 years. The age limit for travellers on multi-trip policies is 75 years old. There is no upper age limit for Winter Sports cover, other than the policy age limits mentioned above.
AXA Travel Insurance Key Points
- Three levels of cover: Bronze, Silver and Gold
- Maximum trip limits: 30, 35 or 45 days for annual multi-trip, 120 days for single trips
- Maximum age limits: 75 years for annual multi-trip, 80 years for single trips
- Optional extras: Winter Sports, Golf and Cruise
- Insolvency, Baggage, Cancellation/Delay/Curtailment, Catastrophe included
- Many pre-existing conditions accepted through online application process
- Winter Sports cover for longer-than-average trip lengths
- Cruise cover does not include Missed Port Departure (e.g., travel and accommodation expenses) or Cruise Interruption (e.g., travel costs to rejoin ship due to illness)
- Can't increase valuables cover
- Scuba cover only for two dives up to 18 metres each
AXA Price Comparison
According to our research from publicly available website data, we found that prices of AXA Travel Insurance are roughly 35% less than the average cost of travel insurance for a healthy, single traveller.
Insurance quotes can vary significantly from day to day and according to each individual's details, so please just use the following data for general educational purposes only; your quotes may reflect a large degree of variation.
Cost of AXA Travel Insurance for a Family
We've also gathered sample quotes for a healthy family of four for both single and multi-trip policies across different geographical locations like Europe and America. A family of four pays on average double for AXA travel insurance than an individual would pay.
How Expensive is AXA Travel Insurance for a Family of Four?
|Type||Geography||AXA Plan||Family of Four Premium||Winter Sports Add-On Cost||Family of Four Total Premium, incl. Winter Sports|
|Worldwide excl. USA, Canada & the Carib.||Bronze||£40||£27||£67|
Cost of Add-On Extras
Winter Sports, Golf and Business cover may be added for an extra cost to AXA travel insurance plans. We've gathered quotes across geographies and types of policies to give you an idea of the cost of these travel insurance add ons. Quotes were gathered for a 30-year-old individual traveller.
Added Cost of AXA Golf, Cruise and Winter Sports Cover
|Geography||AXA Plan||Golf||Cruise||Winter Sports|
|Worldwide excl. USA, Canada & the Carib.||Bronze||£22||£7||£12|
Here are some highlights of notable features available on AXA travel insurance policies. Standard features like Medical and Personal Liability are also included on AXA policies, limits for which can be found below in the Policies. For more complete details like inner limits and exclusions, please see the policy documents.
|Axa Travel Insurance Features|
|Baggage||Accidental loss, damage or theft of baggage, valuables, sports equipment, important documents, personal money or cash; single item and total valuables (e.g., watch, camera, mobile phone, etc.) limits of £150, £250 and £500 for the three tiers of insurance|
|Catastrophe||Cover if your trip is disrupted due to Catastrophe (e.g., fire, earthquake, flood, tsunami, avalanche, storm, hurricane, volcanic eruption/volcanic ash clouds, civil unrest, explosion and food poisoning or infectious disease outbreak|
|Insolvency||Cover for reasonable additional accommodation and public transport travel expenses if your trip is disrupted as a result of the insolvency of the accommodation provider, transport provider or their booking agents, so that you may continue your trip|
|Winter Sports||Optional extra cover for winter sports is available up to 31 days for Single Trip policies and up to 30, 35 or 45 days for Annual, Multi-Trip policies (i.e., the maximum length of any individual trip under Bronze, Silver and Gold policies, respectively); there is NO UPPER AGE LIMIT for Winter Sports cover|
|Golf||Optional cover for golf equipment, hired equipment if your own golf clubs are delayed or misplaced by the airline and lost green fees|
|Scuba Diving||Covered up to a depth of 18 metres, up to 2 dives only|
|Trip Cancellation||Cover for irrevocable, unused travel and accommodation expenses under circumstances outside of your control|
|Trip Curtailment||Cover for your unused travel and accommodation expenses plus additional travel expenses incurred if you need to cut your trip short due to causes outside your control|
|Trip Disruption/Delay||Cover for reasonable additional accommodation (room only) and public transport costs (economy only) so that you may continue your trip if you've missed a departure due to accident or breakdown of your vehicle or on your route causing unexpected delay, failure of public transport or adverse weather conditions; Delay of public transport cover for each full 12 hours you are delayed to help pay for phone calls, meals and refreshments during the delay|
Types of AXA Travel Insurance Policies
AXA travel insurance Bronze, Silver and Gold plans include typical travel insurance features such as Emergency Medical, Legal and Personal Liability cover. Additionally, included as standard on all tiers of insurance are Trip Delay/Cancellation/Curtailment/Abandonment (e.g., due to Insolvency, Catastrophe, illness, storm, volcanic eruption, etc.)
Winter Sports, Golf and Cruise cover can be added for an additional cost.
AXA Single Trip: AXA Single Trip travel insurance covers trips up to 120 days abroad.
AXA Annual Multi-Trip: AXA annual, multi-trip policies cover any number of trips a policy year, up to 30, 35 or 45 days each (for Bronze, Silver and Gold plans, respectively).
Standard cover limits are listed in the following table, but be sure to read the policy documents for details of specific inner limits.
AXA Cover Limits (Single & Annual Multi-Trip) per Insured Traveller
|Excess applied per incident per person||£150||£100||£50|
|Cancelling or cutting short your trip||£1,000||£2,500||£5,000|
|Emergency medical and repatriation||£10,000,000||£10,000,000||£15,000,000|
|Emergency dental treatment||£500||£750||£1,000|
|Disruption or delay to travel plans||£1,000||£2,500||£5,000|
|Personal belongings and money||£1,500||£2,000||£2,500|
|Single item limit||£150||£250||£500|
|Total valuables limit||£150||£250||£500|
|Legal expenses and assistance||£5,000||£15,000||£25,000|
|Loss of sight or limbs||£10,000||£20,000||£30,000|
|Permanent total disablement||£10,000||£20,000||£30,000|
Cover Limits for OPTIONAL AXA Winter Sports Travel Insurance
|Ski equipment (total)||£1,500 (£500/item)||£1,500 (£500/item)||£1,500 (£500/item)|
Ski equipment hire
|£300 (£30/day)||£300 (£30/day)||£300 (£30/day)|
|£100 (£20/day)||£100 (£20/day)||£100 (£20/day)|
|Ski Pack cover||£500||£500||£500|
|Lost lift pass||£150||£150||£150|
Cover Limits for OPTIONAL AXA Golf Travel Insurance
|Damaged, lost, or stolen golf equipment||£1,500||£1,500||£1,500|
|Replacement equipment hire||£200 (£40/day)||£200 (£40/day)||£200 (£40/day)|
|Lost green fees||£1,000 (£200/day)||£1,000 (£200/day)||£1,000 (£200/day)|
Cover Limits for OPTIONAL AXA Cruise Travel Insurance
|Cabin confinement total||£1,000||£1,200||£2,000|
|Cabin confinement daily||£25||£30||£50|
|Additional pre-paid charges cover||£100||£200||£300|
|Additional baggage limit||£1,500||£2,000||£2,500|
|Additional valuables limit||£150||£250||£500|
|Additional single item limit||£150||£250||£500|
Please read some of our Travel Insurance Guides if you're trying to decide between Single Trip or Multi-Trip policies, learn about What May Not be Covered by Travel Insurance or decide if you Need Travel Insurance or Not.
How does AXA Travel Insurance Compare to Competitors?
To better understand the value of AXA travel insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.
AXA Travel Insurance vs Saga Travel Insurance
Saga travel insurance is offered as one, simple travel insurance plan to those over 50 years of age—with no upper age limit. We like that Saga includes cover for Catastrophe and a higher level of Personal Belongings/Baggage cover on all policies, plus Golf. Another perk is that travellers whose international flight is delayed more than 2 hours can benefit from access to a LoungeKey airport lounge, as part of Trip Delay cover. While travellers can be covered of any age, prices do rise steadily for older customers.
Bottom Line: If you are an older traveller, especially in your 70s or 80s, Saga may be a more viable travel insurance option for you, as they specialize in "mature" travellers.
AXA Travel Insurance vs Admiral Travel Insurance
Admiral travel insurance offers three tiers of travel insurance cover, all for very competitive prices and including Personal Belongings protection. Those looking for cover for catastrophes (e.g., volcanic ash cloud and storms) should consider one of Admiral's top two tiers—Gold or Platinum. If your plans include a cruise in the next year, then Admiral offers comprehensive Cruise cover for an added cost (included on Platinum), which includes Missed Port Departure, Cabin Confinement, Unused Excursions and Cruise Interruption. Insolvency is not covered on Admiral plans, however.
Bottom Line: If your travel plans include a cruise, then Admiral might provide more comprehensive travel insurance for you.