AXA Assistance Travel Insurance

Overview of AXA Travel Insurance

AXA Assistance USA is the American travel insurance branch of AXA Group, one of Europe’s largest and most well-known insurance providers. The AXA Group has been in business for over 60 years and has served over 95 million people globally since 1959.

Thanks to its years of experience, they have built a reputation for selling travel insurance plans that offer quality instead of quantity.

In fact, they sell just four plans:

1. Bronze
2. Silver
3. Gold
4. Platinum

Two of these plans, AXA Gold and AXA Platinum, are sold on Squaremouth, and both are excellent options for comprehensive coverage limits adequate for trips abroad or within the USA.

Thanks to its global reach, AXA is able to help travelers abroad through 30 multi-lingual service centers worldwide. This is just one way the provider ensures you are able to receive help wherever you plan to travel.

Is AXA Travel Insurance Good?

AXA is a very reputable travel insurance provider with wide-reaching coverage and high limits built into its plans. It also has excellent Better Business Bureau (BBB) ratings and AM Best Ratings.

AM Best ranks a company’s financial health and gives AXA an A+ rating, or “superior”. The Better Business Bureau also gives them its highest rating of A+. Both of these ratings go to show that AXA is a solid company to do business with.

Our Take: AXA Assistance USA stands out for its comprehensive coverage options backed by an excellent global reputation. They offer only a few plans focused on quality over quantity.

Their policies include substantial emergency medical and evacuation coverage, trip cancellation and interruption protection, and baggage loss and delay benefits. Their combination of global support network, strong benefits, and high ratings makes them a dependable choice for international travelers looking for comprehensive coverage with high limits.

While some travelers have mentioned that claims can be a bit slow to process, the overall value and coverage make AXA Assistance USA a dependable option.

AXA Travel Insurance Reviews

AXA has good ratings and reviews from its customers, earning 4.21 stars out of five.

This is based on real reviews collected from Squaremouth customers who bought AXA travel insurance plans on our platform.

AXA reviews from Squaremouth customers rate the provider slightly lower than those found on Trustpilot, where customers give them 4.6 stars. However, at Squaremouth, we offer a more comprehensive picture by asking customers to rate how they viewed AXA’s assistance before their trip, during their trip, and while making a claim.

The results can be seen in the chart below.

Overall, AXA gets 4.21 stars, but when looking at the above breakdown, you can see customers tend to rate the provider higher for the customer service they received before their trip started (4.33 stars).

AXA ratings are considerably lower (3.62 stars) for customer service during the trip and for customer service during the claims process (3.71 stars).

Customers frequently highlight how easy it is to reach AXA customer service for questions regarding their policy or to make pre-departure adjustments, but many customers cite that the claims process is arduous and time consuming. That said, it is not abnormal for customers to have complaints about the insurance claims process, and this is a pattern that can be seen across many insurance providers.

Have a look at some recent AXA travel insurance reviews from real customers:

Pros & Cons of AXA Travel Insurance

AXA stands out for many positive reasons, including high coverage limits and flexible coverage options. Below is a list of the main benefits and disadvantages of plans from this provider.

As mentioned previously, one of the major draws of AXA plans is the robust medical and evacuation coverage offered.

AXA plans on Squaremouth come with primary medical coverage and offer higher than average limits ranging from $100,000 – $250,000 for medical emergencies and $500,000 – $1,000,000 for medical evacuations, depending on the plan.

AXA is one of the few providers that will cover pre-existing medical conditions if you qualify for the policy waiver, and it has a lookback period of just 60 days. This is much lower than the 180-day lookback period found on some other plans.

Despite these major pros, there are some cons to note. Namely, AXA’s baggage and travel delay policy requires you to be delayed for at least 12 hours before it can take over and reimburse you. This may be too long depending on your needs. Many travel insurance policies offer shorter wait times, between 3 and 6 hours, for this coverage to kick in.

Ready to explore your options? Compare AXA Assistance plans against other top providers.

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Overview of AXA Travel Insurance Plans & Coverage

AXA offers two travel insurance plans through Squaremouth:

1. Gold
2. Platinum

Both of these plans are best suited for trips abroad due to their high coverage limits.

AXA Gold

AXA Gold offers $100,000 primary emergency medical coverage and $250,000 of medevac protection, and can cover pre-existing conditions if you meet the waiver criteria. It can also reimburse you for up to 100% your trip cost for cancellations and up to 150% for interruptions.

This plan comes with protections for lost and delayed baggage, missed connections, travel delays, and more, and offers most of the same benefits as the Platinum plan with lower limits. Consider opting for the Gold plan if you are looking for a middle-of-the-road option for travel abroad. This is a good option if you want strong medical coverage and a fair amount of “bells and whistles” without splurging on a top-tier plan.

AXA Platinum

AXA Platinum is the sister plan to AXA Gold and is the company’s top-tier plan. It comes with $250,000 of primary emergency medical coverage and $1,000,000 of medical evacuation coverage. It offers the same trip cancellation and interruption limits as AXA Gold, and can also cover pre-existing conditions when you meet the waiver criteria.

However, it also comes with some noticeable differences. This is the only plan that offers optional CFAR coverage & and reimburses lost skier days and lost golf rounds. All of this, plus the coverage for pre-existing conditions, makes this plan a great option for senior travelers, golfers, or people traveling abroad who prioritize top-tier coverage.

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Compare AXA Assistance USA vs. Competitors

AXA stands out as a middle-of-the-road provider for both price and customer satisfaction ratings.

However, it offers solid value for the money, especially when you consider the robust coverage it provides.

How Much Is AXA Travel Insurance?

Overall, AXA is a well-priced option for comprehensive coverage.

Versus other providers on our site, AXA ranks as one of the most expensive providers for medical-only policies, but ranks middle of the road for price when it comes to comprehensive policies.

However, when comparing the high medical coverage limits and primary coverage offered by AXA to similar plans from competitors, the company offers solid value for the money and is one of the lower-priced options for the level of benefits you receive.

AXA Ratings Versus Competitors

We’ve already established that AXA has solid customer satisfaction ratings, but how are AXA Assistance USA’s ratings compared to those of competitors?

Based on aggregate ratings from Squaremouth customers, AXA is neither the highest-rated nor the lowest-rated travel insurance company on our site.

The highest rated provider on our site is BlueCrossBlueShield (formerly GeoBlue) at 4.6 stars, and the lowest is MedJet Assist at 4.0 stars. AXA ranks in the middle with a solid 4.21 stars.

Plan Features
Overall Coverage	Offers three pricing tiers—Silver, Gold, and Platinum—with comprehensive benefits.	Broad coverage, with options for customization
Cost	Competitive pricing, especially for comprehensive plans; the average cost of travel insurance across sample trips is $253 (according to U.S. News)	Moderate pricing with flexible plan options
Customer Rating	4.2 Good 1,057 Reviews	4.5 Very Good 208 Reviews
AM Best Rating	A (Excellent)	A (Excellent)
Unique Benefits	CFAR coverage for up to 75% of prepaid trip costs	Sporting equipment coverage
Insurance Partners	Backed by Nationwide Mutual Insurance Company.	Backed by BCS Insurance Company and Jefferson Insurance Company.

Is AXA Travel Insurance Right for Me?

AXA is a great option for people traveling internationally, as both of its plans offer strong coverage at a good price. The emergency medical and medical evacuation limits on the Gold and Platinum plans are in line with and surpass our minimum recommended levels for trips abroad.

These plans are also a good fit for travelers with pre-existing conditions or people who need extra flexibility through coverage like CFAR add-ons or rental car damage.

If you are looking for travel medical coverage without buying a comprehensive policy with full trip cancellation coverage, you may want to look at other providers, as AXA is on the pricier side for medical-only policies and only offers comprehensive options through our Squarmouth marketplace.

Lastly, if you are a domestic traveler, the limits offered by AXA’s policies may be a bit overkill. You may want to consider alternatives that are better suited to domestic travel.

Alternatives to AXA

Travel Insured International – This provider offers similar flexible coverage options as AXA and also has high coverage limits.

Seven Corners – This provider offers similar coverage to AXA, but with higher limits overall, and is a great option for seniors.

Tin Leg – This provider offers similar coverage limits at more affordable prices, and has multiple tiers of plans for different types of travelers and budgets. This provider is a Squaremouth brand.

FAQs: AXA Trip Insurance

Does AXA Cover Pre-Existing Health Conditions?

Yes, AXA Platinum and AXA Gold both offer coverage for pre-existing health conditions if you meet the waiver criteria by purchasing your policy within 14 days of the trip deposit. AXA has one of the lowest pre-existing condition lookback periods at just 60 days. See our list of the best plans for pre-existing conditions.

Does AXA Offer Annual Travel Insurance?

No, AXA doesn’t have any annual multi-trip insurance policies. Consult our list of the best annual travel insurance policies for more information on available options.

Does AXA Offer Cancel For Any Reason Insurance?

Yes, CFAR is an optional add-on for the AXA Platinum plan, but it is not available on other plans from this provider.

Is AXA Travel Insurance a Good Option for Seniors?

AXA is a great option for senior travelers as it is one of the few insurers that will cover travelers up to the age of 100\. It can also cover pre-existing medical conditions as it would any other illness, and offers CFAR coverage, which is especially beneficial to older travelers needing extra flexibility with their policies.

See our full list of the top plans for senior travelers for more options.

Are There Any Geographical Restrictions With AXA Plans?

As of November 2025, AXA doesn’t cover trips to high risk destinations including Belarus, Burundi, Central African Republic, Chad, Congo, Eritrea, Guinea, Iran, Iraq, Israel, Korea (North), Lebanon, Liberia, Libya, Mali, Mauritania, Niger, Pakistan, Palestinian Territory, Russian Federation, Sierra Leone, Somalia, South Sudan, Sudan, Syria, Ukraine, Venezuela, and Yemen.

What Does AXA Travel Insurance Not Cover?

AXA policies follow the typical exclusions for most travel insurance, including intentional acts, drug and alcohol induced illness or injury, self-inflicted harm, medical tourism, etc.

How Do I File A Travel Insurance Claim With AXA?

To file a claim with AXA, please contact the company directly. You can file a claim on AXA’s website or by calling and getting assistance from one of their representatives. Below, you’ll find the complete contact information for reaching AXA’s claims team.