AXA Travel Insurance Reviews: coverage, prices & what it really includes
AXA Travel Insurance stands out as a trusted choice for French-speaking travelers looking for peace of mind abroad. With high medical limits, worldwide coverage and a well-established 24/7 assistance service, it is particularly reassuring for destinations with expensive healthcare systems or for visa-related requirements. On the downside, AXA’s pricing can be higher than that of travel-insurance specialists. Here is a clear, honest and practical review to help you decide whether AXA is the right fit for your trip.
🧳 Available plans: short trip, long stay, annual multi-trip, cancellation, Schengen visa
💰 Price: from around €2.5 to €3 per day for a short trip (e.g., a one-week stay in Europe, depending on age and destination)
🏥 Medical expenses: up to €1,000,000 in Europe, €500,000 worldwide, and €2,000,000 for the USA/Canada (where healthcare costs are highest)
✈️ Repatriation & assistance: included, 24/7 service
🌍 Geographical coverage: Europe, worldwide, USA/Canada
📄 Certificate: issued after purchase (useful for visas and Schengen)
⭐ Overall rating: 4.2/5 – reliable and comprehensive, but not always the cheapest
Our opinion on AXA travel insurance: is it really a reliable insurer?
For short trips, AXA travel insurance clearly positions itself around medical security and service reliability. High medical coverage limits combined with 24/7 assistance make it especially suitable for destinations where healthcare is costly, such as the United States, Canada or Japan.
AXA also benefits from strong institutional recognition, which is a concrete advantage for travelers who need an insurance certificate for visa applications or travel within the Schengen Area. The documents are clear, delivered quickly after purchase, and are generally accepted by authorities without difficulty.
In return, the daily price of AXA travel insurance for short trips is often higher than that of insurers specialized exclusively in travel insurance. Some exclusions also require careful review, especially regarding high-risk sports, pre-existing medical conditions, or cancellation terms, which may be more restrictive depending on the plan selected.
For short trips, AXA is a safe bet for travelers who prioritize peace of mind, strong medical benefits and the credibility of a major insurer—even if it costs a bit more. Overall, the coverage-to-price ratio remains relevant for those who value reliability above all.
At this stage, the HelloSafe comparison tool helps you benchmark AXA against other travel insurance options on the market. The journey offers personalized comparisons, negotiated rates and an immediate insurance certificate after purchase—making it easier to make an informed decision before departure.
Compare the best travel insurance plans in 2 clicks.
What benefits are actually included in AXA travel insurance?
Below is a complete table with detailed benefit limits for AXA travel insurance offers (notably the Voyageo range – short trip, long stay, annual multi-trip, cancellation options, visas).
The amounts below are taken directly from AXA Assistance France’s official pages (2026) and structured for clear, practical reading.
🛡️ Benefit | 💼 Short trip | 🧳 Annual multi-trip (comprehensive) |
|---|---|---|
Medical expenses abroad | Up to €1,000,000 | Up to €1,000,000 |
(doctor, emergency care, hospitalization) | (per trip) | |
Medical repatriation / evacuation | Actual costs covered | Actual costs covered |
24/7 assistance (medical & logistics) | Yes | Yes |
Legal assistance abroad | Bail advance up to €15,000 | Bail advance up to €15,000 |
Search & rescue (mountains / on-site) | Up to €10,000 / person | Up to €10,000 / person |
Baggage – loss / theft / damage | €1,000 (deductible €50) | €2,000 (deductible €50) |
Baggage delay | €150 if ≥ 10h | €200 if ≥ 10h |
Transport delay | €150 if ≥ 4h | €200 if ≥ 4h |
Missed connection | €150 if ≥ 2h | €200 if ≥ 2h |
Personal liability abroad | €100,000 (deductible €100) | €100,000 (deductible €100) |
Trip cancellation (optional) | Up to €3,000 | Up to €8,000 |
📌 Official AXA Assistance France sources (2026):
- Voyageo Short Trip & international travel pages (public AXA benefit limits)
- Limits taken from listed benefits by plan (exact figures may vary depending on the version of the plan and selected options).
💡 High medical limits and repatriation at actual cost are AXA’s main strengths, especially outside Europe or for visa requirements.
🧳 Baggage and delay benefits are included, but limits and deductibles should be compared depending on your needs (families, frequent travelers).
📜 A cancellation option exists, but terms and accepted reasons must be checked in the policy wording, as not all reasons are covered.
What about AXA for long stays?
AXA’s long-stay plan is primarily designed for trips lasting several months (Working Holiday Visa, studies, temporary assignments). It includes the same fundamentals as the short-trip plan (medical expenses up to €1,000,000, repatriation at actual cost, 24/7 assistance), but with extended coverage duration. In return, the overall cost is higher, making it less competitive than insurers specialized in expat or round-the-world coverage.
Specific case: visas and the Schengen Area
AXA offers insurance that meets visa/Schengen requirements (medical coverage ≥ €30,000, repatriation included), mainly used for administrative procedures; this is explained in detail in our dedicated guide to AXA Schengen visa insurance.
Should you compare AXA before buying travel insurance?
AXA remains a strong option in travel insurance, especially for high medical-risk destinations and travelers who want a recognized provider. However, it is not always the most suitable solution in certain cases:
- ❌ for tight budgets, where specialized insurers can offer sufficient coverage at a lower cost
- ❌ for highly flexible long stays, with changing dates or frequent renewals
- ❌ for some backpackers or digital nomads, who prioritize flexibility and price
Comparing offers helps optimize price without sacrificing essential protection (medical expenses, repatriation, assistance).
Here are the best offers compared for you on HelloSafe:
How much does AXA travel insurance cost?
AXA travel insurance pricing varies based on destination, trip duration, and traveler profile. To provide practical benchmarks, here are real prices taken from HelloSafe quotes, based on simulations that were actually run.
🌍 Destination | ⏱️ Duration | 💰 AXA price |
|---|---|---|
Turkey | 6 days | €19.25 |
Europe | 7 days | €28.62 |
Japan | 16 days | €52.82 |
United States | 14 days | €59.48 |
Thailand | 21 days | €56.06 |
Worldwide – long stay | 60+ days | €221.76 |
👉 These figures place AXA in the upper-middle range of the market, with a level of medical coverage higher than most budget offers.
Is AXA well positioned vs competitors? (real price comparison)
Below is a comparison based exclusively on real HelloSafe quotes, for comparable leisure trips (1 to 2 travelers, short to medium stays).
🌍 Destination | ⏱️ Duration | Insurer | 💶 Observed price |
|---|---|---|---|
Japan | ~20 days | Heymondo | €52.82 |
Japan | ~30 days | Assur-Travel | €58 |
Thailand | ~13 days | Assur-Travel | €60 |
Thailand | ~30 days | Heymondo | €46.35 |
United States | ~15 days | Heymondo | €41.27 |
United States | ~20 days | Assur-Travel | €49 |
Thailand | ~24 days | ACS (Globe Partner) | €39 |
United States | ~15 days | AXA | €59.48 |
Japan | ~16 days | AXA | €52.82 |
👉 Comparative conclusion
AXA is not the cheapest travel insurance, but it remains a logical choice for travelers who prioritize security, high medical limits and the reliability of a major insurer. The HelloSafe journey makes it easy to check whether this price difference is justified for your trip—or whether another option offers better value for money.
See the best travel insurance dealsWhat are the main exclusions in AXA travel insurance?
Like any travel insurance, AXA policies include exclusions that should be identified before departure. These are frequently the reason for denied claims or partial reimbursements.
The most common exclusions include:
- ❌ Pre-existing or chronic conditions: conditions known before purchase are generally excluded, especially in case of relapse or worsening during the trip.
- ❌ Non-accidental psychological conditions: care related to depression, anxiety, stress or other mental health issues is excluded when it is not caused by an accident during the trip.
- ❌ High-risk sports and activities: certain sports or activities considered dangerous are not covered by default and may require an additional option.
- ❌ Events known before purchase: any claim linked to a situation already known or foreseeable at the time of enrollment (declared illness, announced strike, official warning) is excluded.
These exclusions should be reviewed carefully, especially for long trips, unusual itineraries, or travelers with specific needs. Comparing policies beforehand helps avoid unpleasant surprises abroad.
How to contact AXA assistance if something happens abroad
In the event of an emergency or unexpected issue during your trip, AXA assistance is the first point of contact. It is managed by AXA Assistance, which coordinates medical, logistical and administrative support 24/7, worldwide.
In practice, the assistance team directs insured travelers to appropriate healthcare facilities, liaises with local doctors, and may approve an advance payment for medical expenses in case of hospitalization, helping you avoid major out-of-pocket costs. Expenses are then reimbursed upon submission of supporting documents, within the limits set by the policy.
This centralized handling partly explains AXA’s higher pricing position compared with entry-level insurers, but it provides real operational security—especially in countries where medical bills can reach extremely high amounts.
Situation | Service to contact | Contact details (UK) |
|---|---|---|
🚑 Medical emergency / urgent assistance abroad | AXA Travel Insurance – Emergency Assistance (24/7) | 📞 +44 (0)330 678 3381 – 24/7 emergency medical assistance, available from the UK and abroad |
✈️ Repatriation / urgent travel support | AXA Travel Insurance – Emergency Assistance | 📞 +44 (0)330 678 3381 – Multilingual assistance team available 24/7 |
🧾 Claim reporting (non-urgent claims) | AXA Travel Insurance – Claims Team | 📞 0330 678 3393 – Claims helpline (UK office hours) or via the online claims portal uk.claims.axa.travel |
📞 Customer service / general enquiries | AXA Travel Insurance – Customer Service Team | 📞 0330 678 3394 – General enquiries and policy information |
📄 Documents to prepare | Policy documentation | Policy number, insurance certificate, medical invoices, travel documents — required for any assistance request or claim submission |
👉 Best habit to adopt
It is strongly recommended to contact assistance before taking any major step (hospitalization, high medical expenses, trip interruption). This allows AXA Assistance to validate coverage, arrange an advance payment if needed, and streamline reimbursements.
FAQ
This is one of the most common questions. In practice, bank card travel insurance comes with limitations: lower medical limits, strict conditions (trip must be paid with the card, short maximum duration, frequent exclusions). AXA travel insurance significantly increases coverage limits, provides protection even if the trip was not paid with the card, and includes dedicated assistance. It therefore remains relevant for high medical-cost destinations or long trips.
Yes—this is one of the most frequently praised points. AXA’s medical limits are generally considered sufficient to handle major hospitalization, especially in the United States or Japan. Travelers also appreciate the possibility of advance payments arranged via assistance, avoiding the need to pay thousands of euros upfront.
No. This is a very common misunderstanding. Like most travel insurance policies, AXA does not reimburse cancellations for personal convenience. Cancellation is only covered for specific reasons: serious illness, accident, death, visa refusal, or other serious unforeseen events, depending on the policy terms. For “cancel for any reason” (CFAR), you would need a specific guarantee offered by other insurers.
Yes, under certain conditions. Reviews show many travelers discover this benefit too late. AXA may cover cancellation due to visa refusal if the application was submitted on time, with compliant documents, and with no undisclosed prior refusals. You must keep the official refusal notice and proof of non-refundable bookings.
This is a frequent friction point. Changes may be possible in some cases, but depend on the policy and timing. Several travelers report that in urgent situations (especially for visas), it can be easier to purchase a new policy and then request cancellation of the old one with supporting documents. This is why planning ahead—or using a comparison platform that centralizes steps—can help.
This is one of the most anxiety-inducing topics. Generally, AXA excludes pre-existing or chronic conditions known before purchase, except for unforeseeable life-threatening emergencies (limited coverage). A medical certificate is not always sufficient: the insurer may request medical history. This point should be reviewed carefully if you have ongoing treatment.
Many travelers do not realize that insurance only reimburses the remaining out-of-pocket cost. If you accept a voucher, credit or partial refund from the airline or hotel, AXA will deduct that amount from the reimbursement. This is a frequent source of disappointment, although it is a standard insurance rule.
Not automatically. Strikes, political unrest, terrorist attacks or natural disasters are generally excluded unless the policy explicitly includes a specific guarantee and the event occurs after purchase. An official recommendation not to travel does not always trigger compensation.
Yes, through its Schengen plan. This is one of the main reasons AXA is frequently mentioned in visa-related discussions. Policies meet Schengen requirements (medical coverage limit, repatriation), and the certificate provided is generally accepted by consulates. However, you must ensure dates and geographical coverage match your visa application exactly. To make sure you choose the right Schengen insurance, the HelloSafe journey is ideal and provides an immediately recognized certificate.
User feedback is mixed. Reimbursements are generally considered satisfactory when the file is complete, but processing times can increase if documents are missing or the medical situation is complex. Travelers recommend reporting the claim quickly, keeping all supporting documents, and following the assistance process closely.
Yes, definitely. AXA is reliable, but not always the most affordable or the most flexible depending on your profile (long stay, backpacker, tight budget). Comparing helps you verify whether the level of coverage truly matches your trip and prevents paying for unnecessary options.