Travel protection is the combination of travel insurance and travel assistance services available 24/7. Travel protection helps provide you peace of mind when away from home; whether traveling abroad or within the U.S. Plan your trip with the knowledge you will be protected – should you need it – through AXA USA.

The unexpected may happen at any given time and unfortunately, when least expected. AXA Assistance USA Travel Protection Plans provide world-class 24/7 travel assistance coupled with first-rate travel protection coverage. Our travel protection plans offer you a help-line to assist in navigating and managing through the unexpected as well as help provide financial protection for your travel costs, subject to plan limits and exclusions. Travel insurance may reimburse your non-refundable payments or deposits charged by travel suppliers such as tour operators and cruise lines, should you need to interrupt or cancel your trip for a reason covered by the plan.

1. Purchase policy within our designated timeframe. Travelers must purchase their travel protection plan at least a day before their departure date. If travelers seek to have pre-existing medical coverage, they must purchase a Gold or Platinum plan within 14 days of their initial trip deposit date.
2. Provide Trip Details: Travelers will need to provide information about their trip, including travel dates, destination(s), and the total cost of the trip.
3. Be Within Age Limits: You must be 18 years or older.
4. Premiums: Travelers must pay the required premium for the selected coverage. The premium amount is based on factors such as trip cost, duration, destination, traveler's age, and coverage limits.
5. Meet Residency Requirements: AXA Travel Insurance can only be purchased by people residing in the United States.

It's essential for travelers to carefully review the terms and conditions of the travel insurance policy to understand what is covered, any exclusions or limitations, and the procedures for filing a claim in case of emergencies or unforeseen circumstances during their trip.

Any US resident over 18 years old.

We recommend checking with your medical/home insurance provider and reviewing your policy.

Yes, our Gold and Platinum plans can offer protection for preexisting conditions.

A travel insurance policy must be purchased within 14 days of your initial trip deposit date.

Please ensure to review the full coverage details, terms and conditions.

“Pre-Existing Condition” means an illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or Family Member scheduled or booked to travel with You: 1)received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy.

Yes you can. Below are optional travel benefits you can choose from to customize your travel insurance plan.

Additional Optional Travel Benefits

• Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft.
• Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy

No. AXA Assistance USA Travel Protection Plans do not have deductibles.

The Silver, Gold and Platinum plans are underwritten by Nationwide Mutual Insurance Company and Affiliated Companies, Columbus, Ohio. Travel insurance coverages within the Adventure Travel Product are underwritten by United States Fire Insurance Company (NAIC #21113) under policy form series T210. Travel protection plans are administered by AXA Assistance USA, Inc. (in California, doing business as AXA Assistance Administrators, License Number 0H74893)

General definitions of travel insurance terms can be found in the travel protection plan document. The plan document may be downloaded by clicking on the Coverage Description button after you obtain a quote.

Pre-Departure Travel Benefits:

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury.
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions.
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations.

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Medical Benefits:

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees.
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation.
• Non-Emergency Evacuation & Repatriation: In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. (Exclusive to Gold & Platinum)

Baggage Benefits:

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries.
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings.

Additional Optional Travel Benefits

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft.
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy.
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures.
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures

The trip cost for AXA Travel Insurance is the total amount of non-refundable prepaid expenses that you have invested in your trip. This can include expenses such as airfare, hotel accommodations,tours, and other travel-related expenses that you have paid for prior to your departure.

When you purchase a travel insurance plan from AXA, you will be asked to provide the trip cost as part of the application process. This information is used to determine the cost of your insurance premium and the level of coverage that you will receive.

It's important to accurately calculate your trip cost to ensure that you have adequate coverage in the event of an unexpected situation or emergency that causes you to cancel or interrupt your trip. Additionally, you should keep all receipts and documentation of your prepaid expenses in case you need to file a claim with your travel insurance provider.

Any first payment date made towards the trip you are planning to take regardless of the amount.

You may cancel this Policy within 10 days of purchase by written notice delivered or mailed to the insurer, effective upon receipt of such notice or on such late date as may be specified in such notice. It is usually possible to cancel a travel insurance policy with AXA Travel Insurance, although the specific terms and conditions of cancellation may vary depending on the policy you purchased. To cancel your policy, you will need to contact AXA Travel Insurance USA directly. You can do this by calling their customer service number, which should be listed on your policy documents, or by visiting their website and filling out a cancellation request form. It is important to note that there may be certain restrictions and fees associated with cancelling your policy pending on the specific terms of your coverage. For example, some policies may have a minimum cancellation fee or may only allow cancellation for certain reasons, such as a medicalemergency or a change in travel plans. Be sure to carefully review your policy documents and consult with an AXA representative to understand the terms and conditions of cancellation before making any decisions.

Yes, our plans offer worldwide protection both internationally and domestically. But due to U.S. or other applicable trade or economic sanctions, laws, regulations and/or other reasons, AXA Assistance USA does not provide travel protection plans for travel to the following countries/regions: 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. To learn more, view your terms and conditions.

Contact: 855-327-1442 for 24/7 Emergency Assistance.

Our 24/7 Emergency Assistance Hotline team have multilingual specialists that can assist you in coordinating emergency medical treatment. Ensure that you have all the necessary documentation with you, including your travel insurance policy details and any relevant medical information. You may also need to provide proof of your identity, such as your passport or driver's license. Once you have contacted the emergency assistance number, they will be able to advise you on the best course of action. This may include directing you to a suitable medical facility or arranging for medical evacuation if necessary.

Some AXA Travel Insurance plans may require you to pay a co-payment or deductible, while others may not. To know for sure whether you need to pay a co-payment or deductible, you should carefully review your policy documents or contact the insurer directly.

The Silver Plan provides insurance coverage that comes into effect only after any other insurance policies you have are used up. However, it does not apply to private passenger auto no-fault benefits or third-party liability insurance which are already covered by other policies. In case of a loss or damage, if you have other valid insurance or indemnity in place, this policy will only pay for the amount that is not already covered by the other policies. This means that the insurance company will only pay for the amount of loss that exceeds what is already covered by your other insurance policies, and this policy also has an applicable deductible that you may need to pay.

There can be certain hazards or unforeseen events that may allow for an extension per the terms and conditions of the policy. Please contact us to confirm.

The Silver Travel Protection plan offers up to 30 days of coverage.

The Gold Travel Protection plan offers up to 60 days of coverage.

The Platinum Travel Protection plan offers up to 90 days of coverage.

We do not.

Modifications can be made prior to departure date. Please contact us to confirm.