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.

At this time, AXA Assistance offers two plans on Squaremouth:

1. Explorer Select
2. Explorer Elite

Both of these comprehensive policies include strong medical and cancellation benefits, making them suitable for extended trips abroad.

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. Their Explorer series is designed for international travelers looking for dependable protection and nonstop support from anywhere in the world.

Each AXA policy includes 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 customer satisfaction 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 4.7 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 4.2 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 (4.32 stars).

AXA ratings are considerably lower (3.62 stars) for customer service during the trip and for customer service during the claims process (3.69 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, with up to $250,000 in Emergency Medical protection and between $500,000 and $1,000,000 in Medical Evacuation coverage, 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 Assistance currently offers two travel insurance plans on Squaremouth:

1. Explorer Select
2. Explorer Elite

Both of these plans are best suited for trips abroad due to their high coverage limits for overseas medical emergencies and evacuations.

Explorer Select

Explorer Select comes standard with up to $250,000 in Primary Emergnecy Medical coverage, as well as up to $500,000 in Medical Evacuation coverage. If you have a health issue that may flare up during your trip, you can qualify for pre-existing condition coverage if you purchase your plan within 14 days of your initial trip deposit date and meet other eligibility requirements. Upgrades like CFAR and Rental Car Damage Protection are also available at checkout.

This plan is suitable for most international trips, including extended vacations with complex itineraries. While it doesn’t offer the highest coverage on the market, it does offer consistent coverage across the board, providing strong financial protection against cancellations, medical emergencies, baggage loss, and other disruptions you may encounter throughout your trip.

Explorer Elite

Explorer Elite is a premier travel insurance policy intended for luxury and adventure trips abroad, featuring some of the strongest trip protection on the market in several categories. It includes up to $500,000 in Emergency Medical coverage and up to $1,000,000 in Medical Evacuation, double that of Explorer Select. Explorer also maintains generous cancellation protection and add-on options, too.

Another highlight is the plan’s Baggage Loss protection, offering up to $5,000 in reimbursement for lost, damaged, or stolen personal belongings. Not only is this the highest coverage available on our platform for this benefit, but it also includes protection for sports equipment at no additional cost. Travelers may also benefit from the plan’s Search and Rescue coverage and reimbursement for Non-Medical Evacuations.

Compare All Plan Details

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 comprehensive policies with varying levels of coverage	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 1,071 Reviews	4.5 Very Good 208 Reviews
AM Best Rating		A (Excellent)
Unique Benefits	CFAR coverage for up to 75% of prepaid trip costs	Sporting equipment coverage
Insurance Partners	Backed by .	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 coverage limits on the Explorer Select and Explorer Elite plans exceed our minimum recommended levels for trips abroad.

AXA’s Explorer Elite policy is particularly a great option for adventure travelers, as is features among the most generous coverage for emergency evacuations and sports equipment on our platform. It is also one of the few plans on the market that comes standard with Search & Rescue protection in the event you get lost or go missing during your trip.

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.