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AXA Travel Insurance: Is It Worth Buying?

Though AXA's travel insurance plans are not for the cost-conscious, generous coverage amounts for medical and trip inconvenience can make these plans good value options.
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AXA Travel Insurance: Is It Worth Buying?

Though AXA's travel insurance plans are not for the cost-conscious, generous coverage amounts for medical and trip inconvenience can make these plans good value options.


ValueChampion Rating ValueChampion Icon

Personal Accident Coverage
Trip Delay Coverage
Baggage Delay Coverage


  • High personal accident/death coverage
  • Plans provide good value for money
  • Well priced for Asia trips


  • Not competitive for ASEAN trips
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With well-rounded coverage and great prices, AXA is sure to attract consumers who are looking for high value plans. It has one of the highest personal accident coverages on the market and above average coverage for medical and trip inconvenience events, all for very attractive prices for trips to the Asia and global regions. However, for consumers looking for budget trips to the ASEAN region, AXA may not be the best choice for minimizing spending.

Summary of AXA SmartTraveller Travel Insurance
Essential plan is a well-rounded plan with high coverage in every area for a budget plan
Comprehensive plan provides high coverage for personal accident/death, baggage loss/damages and baggage delays, but low medical expenses and trip cancellation/delay coverage
Cheap for trips out of Asia and annual/multi-trip policies, but more expensive for trips within ASEAN
Good value for your money
Best coverage for personal accident on the market
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Table of Contents

AXA Travel Insurance: What You Need to Know

AXA's travel insurance plans, the "Essential" budget plan and the "Comprehensive" premium plan, exhibit decent value for money, higher-than-average coverage with particularly good protection against personal accident/death, and somewhat erratic pricing compared to competing plans that tends to vary depending on trip destination and duration. AXA's plans tend to be the best deal for trips out of Asia and annual / multi-trip policies.

A graph comparing value of travel insurance in Singapore from all major insurers in the country, assuming a 1-week trip in ASEAN region

AXA does not automatically include built-in perks and extra VIP features. However, it does give you the ability to customize your plan with a variety of value-added features, including coverage for golf equipment, sports equipment, pet care, and rental car excess for an extra S$2 apiece for single trip policies and S$5 a piece for annual multi-trip policies. These plans can be a great choice for active travellers who want great protection for personal accident and equipment coverage or those who like to customise coverage to meet their specific needs.

Notable Exclusions

AXA has the standard exclusions including pre-existing conditions, suicide and mental disorders, willful exposure to danger, travelling for medical treatment, participation in competitive or professional sports and travelling to countries against the advice of the Singapore Government. Below is an abridged list of the some of the main exclusions, but you should always make sure to read the policy wording to know the exact exclusions.

Medical ExclusionsTrip Inconvenience Exclusions
Medical Expenses for pre-existing conditionsEngaging in sport for compensation
Pregnancy-related eventsItems taken by customs officials
Suicide and mental illnessBaggage sent separately or items left unattended
Cosmetic or elective surgery (unless necessitated by injury)loss or damage of hired equipment
Travelling when you are medically unfitInability to travel due to business or contractual obligations

AXA Essential Travel Insurance Plan

AXA Essential Plan is a great choice for travellers seeking a well-rounded plan with an emphasis on personal accident and medical coverage that isn't too expensive and is decent value for your money. Compared to other budget travel insurance plans, the AXA Essential Plan stands out for featuring the best coverage for personal accident/death and baggage loss/damage per item in the market, in addition to very high medical coverage for a budget plan. In terms of pricing, the AXA Essential Plan's relative affordability compared to other plans varies depending on where you're heading on your trip. It's one of the cheapest plans for trips out of Asia, and is a very competitively-priced plan for annual policies.

However, the price is slightly uncompetitive at around the average for basic-tier plans. If you're willing to sacrifice a little coverage for cheaper prices, you may also want to consider FWD or Etiqa, which provide below-average coverage but are among the cheapest travel insurance policies available. If you are traveling within the ASEAN region, a high value alternative can be Allianz Global Assistance Bronze Plan, which tends to be very cheap for regional trips and has high trip inconvenience coverage.

Premiums & CoverageEssential PlanBasic Plan Avg.
1-Week ASEAN PremiumS$30.50S$34.00
1-Week Global PremiumS$40.50S$54.54
Annual ASEAN PremiumS$247.74S$196.90
Annual Global PremiumS$342.37S$282.49
1-Week ASEAN Value Ratio1.780.62
1-Week Asia Value Ratio1.350.67
1-Week Global Value Ratio1.350.65
Total Medical & Personal AccidentS$855,000S$553,750
Total Trip InconvenienceS$13,000S$12,100

AXA Comprehensive Travel Insurance Plan

Overall, AXA's Comprehensive plan can offer quite good value. It has a number of major highlights: its personal accident coverage is the best in the business, and it features high coverage for baggage loss/damages and delays. On the other hand, its coverage of medical expenses, trip cancellations and trip delays is below average compared to other premium-tier travel insurance plans. Like the AXA Essential Plan, you are able to customize the AXA Comprehensive Plan to add features such as golf and sports equipment coverage, pet care and a rental car excess for a minor additional fee (S$2 to S$5 apiece). Thus, how suitable this plan is for your needs will depend on your preferences for what you want to get out of your travel insurance policy.

The AXA Comprehensive plan is one of the cheapest premium plans for 1 week and 2 week trips out of Asia; it is also very affordably priced for single trips within non-ASEAN Asian countries, where it offers significantly better coverage and value for your money than other cheap options. However, it runs more expensive for trips within the ASEAN region, tending to fall in the middle of the pack in terms of cost. Compared to budget competitors, the Comprehensive Plan does a better job covering personal accident/death, medical expenses, and baggage loss, but it falls a bit short with trip inconvenience coverage. You'll want to weigh which aspects of travel protection are more important to you when making a choice between these two options.

Premiums & CoverageComprehensive PlanTop-Tier Industry Avg.
1-Week ASEAN PremiumS$40.50S$56.00
1-Week Global PremiumS$54.50S$90.00
Annual ASEAN PremiumS$301.95S$302.00
Annual Global PremiumS$400.95S$421.00
1-Week ASEAN Value Ratop1.781.09
1-Week Asia Value Ratio2.041.32
1-Week Global Value Ratio2.101.28
Total Medical/Personal AccidentS$1,710,000S$1,709,400
Total Trip InconvenienceS$26,000S$28,400

Sports Coverage

For an additional price, you can add golf and sports equipment coverage. If you do not want to pay extra, you will still be fully covered for both plan for adventurous activities like hot air ballooning, hiking or trekking up to 3,500 metres, mountaineering (with no equipment), ice sports/snow sports within ski resort and scuba diving with an instructor. You will not be covered for things AXA considers as an "extreme sport". This includes marathons, biathlons, triathlons, stunt riding, potholing, horse jumping big wave surfing and underwater activities requiring artificial breathing apparatuses.

Golf CoverAll Plans
Loss of Golf Equipment (incl. In Use)S$2,500
Hiring of Golf EquipmentS$500
Addt'l CostS$2
Sports EquipmentAll Plans
Sports EquipmentS$3,000
Addt'l CostS$2

Claims Information

AXA lets you submit your travel claims online, on your mobile myAXA app, or download and mail a pdf form. The online form lets you know exactly what kind of forms you'll need for whichever event you're going to claim for. If you are claiming for loss or damage, you must show you made a report within 24 hours of the event happening in order for those claims to be processed.

Contact Information
Customer Service1-800 880 4888
24-Hour Emergency Assistance(65) 6322 2566
Address(AXA) 8 Shenton Way, #24-01 AXA Tower, Singapore 068811
Claims Email[email protected]

AXA Travel Insurance Summary

Making sure you are adequately protected on your trip can provide a great peace of mind on your next trip, hence why finding the right travel insurance policy can be so important. Below you'll find a summary of how AXA's premiums and benefits compare to the industry average. If you'd like to learn more about some of our top picks for travel insurance in Singapore, you can read our guide to the best travel insurance policies in Singapore.

EssentialComprehensiveIndustry Average
1-Week ASEANS$30.50S$40.50S$46.00
Annual ASEANS$247.47S$301.95S$248.00
1-Week AsiaS$30.50S$40.50S$56.00
Annual AsiaS$247.47S$301.95S$264.38
1-Week GlobalS$42.50S$54.50S$78.00
Annual GlobalS$342.37S$400.95S$355.00
1 Week ASEAN Value Ratio1.181.781.00
Annual Global Ratio0.801.361.00
Coverage BenefitsEssentialComprehensiveIndustry Average
Personal Accident & DeathS$525,000S$1,050,000S$781,000
Emergency Medical & RepatriationUnlmtdUnlmtdS$1,043,000
Trip CancellationS$6,000S$12,000S$12,900
Trip DelaysS$1,000S$2,000S$1,300
Baggage Loss DamageS$5,000S$10,000S$5,700
Baggage DelayS$1,000S$2,000S$1,100

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Anastassia Evlanova

Anastassia is a Senior Research Analyst at ValueChampion Singapore, evaluating insurance products for consumers based on quantitative and qualitative financial analysis. She holds degrees in Economics and International Business Management and her prior working experience includes work in the capital markets sector. Her analyses surrounding insurance, healthcare, international affairs and personal finance has been featured on AsiaOne, Business Insider, DW, Vice, Her World, Asia Insurance Review, the Australian Institute of International Affairs and more.

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