How good is AXA Travel Insurance: Review 2025
Our expert’s opinion on AXA
AXA’s travel insurance in Canada impresses with a structured range of four plans (Bronze, Silver, Gold, Platinum), catering to different trip types—from basic post-departure medical protection to comprehensive coverage with high medical and baggage limits as well as optional Cancel For Any Reason (CFAR) insurance at the top end. AXA receives a strong rating, reflecting the breadth of its guarantees—up to $250,000 for emergency medical, $3,000 for baggage, and rare add-ons like political evacuation—combined with payout guarantees and minimal deductibles, while pricing remains competitive for the level of protection compared to Allianz Travel and Manulife, especially at the Platinum tier. This suite is particularly suited for risk-averse travelers, families, or groups seeking premium cancellation and protection options, and those requiring high medical limits with customizable benefits. Globally, AXA ranks among the world’s largest insurers, managing over €1.1 trillion in assets with an S&P AA- financial strength rating, underlining security for policyholders. Customer satisfaction averages 4.0/5 (2024, over 1,000 reviews globally), with positive marks for its 24/7 digital service and app-based claims, though reimbursement speed is average at around 10–15 business days.
- ✅High emergency medical limit Up to $250,000 on Platinum plan
- ✅CFAR option Rare Cancel For Any Reason coverage available
- ✅Advance on medical expenses All plans include direct payments for hospitalization
- ✅Strong financial strength S&P AA- rating, €1.1 trillion AUM
- ✅24/7 digital assistance “My Trip Companion” app with claims and SOS calls
- ✅Political/security evacuation Up to $150,000 coverage on selected plans
- ✅Baggage coverage ceiling Up to $3,000 reimbursed for personal effects
- ❌Strict pre-existing condition exclusions Coverage only with waiver or strict criteria
- ❌No automatic sports coverage High-risk activities require specific add-on
- ❌No teleconsultation option Medical teleconsult not specified in app features
- ❌Occasional slow reimbursements Average 10–15 business days for claims payout
- ❌No postal submission All claims must be filed online or by app
Score- ✅High emergency medical limit Up to $250,000 on Platinum plan
- ✅CFAR option Rare Cancel For Any Reason coverage available
- ✅Advance on medical expenses All plans include direct payments for hospitalization
- ✅Strong financial strength S&P AA- rating, €1.1 trillion AUM
- ✅24/7 digital assistance “My Trip Companion” app with claims and SOS calls
- ✅Political/security evacuation Up to $150,000 coverage on selected plans
- ✅Baggage coverage ceiling Up to $3,000 reimbursed for personal effects
Our expert’s opinion on AXA
- ✅High emergency medical limit Up to $250,000 on Platinum plan
- ✅CFAR option Rare Cancel For Any Reason coverage available
- ✅Advance on medical expenses All plans include direct payments for hospitalization
- ✅Strong financial strength S&P AA- rating, €1.1 trillion AUM
- ✅24/7 digital assistance “My Trip Companion” app with claims and SOS calls
- ✅Political/security evacuation Up to $150,000 coverage on selected plans
- ✅Baggage coverage ceiling Up to $3,000 reimbursed for personal effects
- ❌Strict pre-existing condition exclusions Coverage only with waiver or strict criteria
- ❌No automatic sports coverage High-risk activities require specific add-on
- ❌No teleconsultation option Medical teleconsult not specified in app features
- ❌Occasional slow reimbursements Average 10–15 business days for claims payout
- ❌No postal submission All claims must be filed online or by app
Score- ✅High emergency medical limit Up to $250,000 on Platinum plan
- ✅CFAR option Rare Cancel For Any Reason coverage available
- ✅Advance on medical expenses All plans include direct payments for hospitalization
- ✅Strong financial strength S&P AA- rating, €1.1 trillion AUM
- ✅24/7 digital assistance “My Trip Companion” app with claims and SOS calls
- ✅Political/security evacuation Up to $150,000 coverage on selected plans
- ✅Baggage coverage ceiling Up to $3,000 reimbursed for personal effects
Why trust HelloSafe?
At HelloSafe, a travel insurance expert reviews each year the general terms and pricing of 38 travel insurance providers operating in Canada, to deliver an analysis that is both reliable and impartial. Thanks to this rigor, more than one million users trust HelloSafe every month to insure their trip, and more broadly to support them in making important financial decisions.
AXA Coverages
AXA proposes four main travel insurance plans for Canadians: the BRONZE Plan (medical-focused, post-departure), the SILVER Plan (domestic, including basic cancellation), the GOLD Plan (higher medical and baggage, cruise-focused), and the PLATINUM Plan (highest limits, including “Cancel For Any Reason” option). What sets these plans apart is the level of medical reimbursement (from $25,000 to $250,000), the presence and ceiling of baggage and delay coverage, and the addition of unique options like CFAR in the highest plan.
AXA notably stands out for its very high medical limits in the PLATINUM Plan, the rare inclusion of CFAR cancellation, and generous baggage allowances, which go beyond most domestic competitors.
Strengths include top-tier medical ceilings, broad assistance, and flexible cancellation, but some gaps remain for pre-existing conditions and certain adventure or extreme sports, which require specific add-ons.
| Coverage / Plan | Bronze Plan | Silver Plan | Gold Plan | Platinum Plan |
|---|---|---|---|---|
| Plan positioning | Medical, post-departure only, essentials | Domestic, basic medical and cancellation | Medical and cruise specialist, higher baggage | Comprehensive, CFAR, best limits |
| ✈️ Transport delay (flight, train) | Covered, amount not available. | Covered, amount not available. | Covered, amount not available. | Covered, amount not available. |
| ? Theft, loss or destruction of luggage | Not covered. | Up to $750 per trip. | Up to $1,500 per trip. | Up to $3,000 per trip. |
| ⏱️ Luggage delay | Not covered. | Covered, amount not available. | Covered, amount not available. | Covered, amount not available. |
| ? Medical and hospitalization expenses abroad | Up to $100,000 per person. | Up to $25,000 per person. | Up to $100,000 per person. | Up to $250,000 per person. |
| ? Medical evacuation (to the nearest hospital) | Up to $250,000 per person. | Not listed as covered. | Not listed as covered. | Not listed as covered. |
| ? Extended stay expenses (in case of accident or illness) | Covered, amount not available. | Covered, amount not available. | Covered, amount not available. | Covered, amount not available. |
| ? Repatriation assistance | Included. | Included. | Included. | Included. |
| ❌ Trip cancellation insurance | Not covered. | 100% of trip cost. | 100% of trip cost. | 100% of trip cost, CFAR (75% refund) optional. |
| ⛔ Trip interruption (due to illness, accident or death) | Not covered. | Included. | Included. | Included. |
| ? Early return (in case of death or hospitalization of a relative) | Covered, amount not available. | Covered, amount not available. | Covered, amount not available. | Covered, amount not available. |
| ⚖️ Civil liability abroad | Covered, amount not available. | Covered, amount not available. | Covered, amount not available. | Covered, amount not available. |
| ? Emergency funds advance (if payment means are lost or stolen) | Included. | Included. | Included. | Included. |
| ?⚖️ Legal assistance and bail bond (Help in case of lost or stolen identity documents) | Included. | Included. | Included. | Included. |
| ?♂️ Coverage of risky sports and activities | Not covered (must be added separately). | Not covered (must be added separately). | Not covered (must be added separately). | Not covered (must be added separately). |
There are also other notable benefits. AXA provides access to the “My Trip Companion” app, enabling digital claims, SOS services, and real-time travel alerts, which enhance your support on the road.
Besides these standard plans, AXA also offers annual multi-trip policies for frequent travelers and coverage specifically for students and long stays, providing tailored solutions with adjusted limits and durations. These options are well suited for regular travelers, students abroad, or longer journeys.
To get the most value for your next trip, compare travel insurance plans side by side to find the cheapest price or best coverage for your needs.
Compare the best travel insurance policies for freeI compareAXA Exclusions
AXA’s travel insurance applies industry-standard exclusions, primarily targeting costs tied to pre-existing medical conditions, non-urgent or elective care, and participation in high-risk activities unless these are specifically added as an option.
Exclusions for professional or organized adventure sports, incidents related to intoxication or illegal conduct, and travel to active conflict zones follow market norms, while pregnancy coverage is limited to complications only. AXA allows for flexibility in some cases by offering waivers for stable pre-existing conditions, which gives more adaptability than found with many direct competitors.
| Categories of exclusions | Exclusions |
|---|---|
| ? Medical exclusions |
|
| ? Behavioral exclusions |
|
| ? Sports exclusions |
|
| ?️ Geographical exclusions |
|
| ? Administrative exclusions |
|
| ❌ Cancellation-specific exclusions |
|
- Pre-existing conditions without waiver
- Routine or elective care
- Pregnancy and childbirth (except complications)
- Dental care (non-emergency)
- Care after mandatory evacuation only
- Claims under intoxication or illegal drug use
- Self-harm or suicide
- Fraud or deliberate false declaration
- Professional or competitive sports
- Adventure/extreme sports unless added
- Accidents during unsanctioned high-risk activities
- Travel to war zones
- Destinations under active travel advisory
- Claims in embargoed countries
- Lack of required documentation
- Claims filed after deadlines
- Falsified or missing ID/proof
- Cancellation for change of mind
- Circumstances known at booking
- Missed vaccination
- Booking error
- Failure to get travel documents
etc.
AXA Prices
AXA’s pricing is positioned slightly above the market average, especially for plans like GOLD and PLATINUM, which provide higher medical reimbursement ceilings, solid baggage coverage, and the unique Cancel For Any Reason optional module.
The reimbursement ceilings, assistance features, and added options mean AXA outshines many competitors in terms of comprehensiveness, but this increased scope explains the higher premiums, especially on the PLATINUM level.
For travelers looking for robust guarantees and flexibility over simply getting the lowest price, AXA is best classified as expensive but highly comprehensive.
| Bronze | Gold | Platinum | |
|---|---|---|---|
| A solo traveler | $38 | $52 | $67 |
| A couple | $70 | $96 | $128 |
| A family of 4 | $124 | $170 | $230 |
| A group of 6 people | $180 | $246 | $338 |
These prices are provided for information purposes based on one week of travel in Europe. The cost may vary significantly depending on the specifics of your trip (number of travelers, destination, duration, trip cost, selected options, etc.). We recommend running a simulation on HelloSafe.
Compare the best travel insurance policies for freeI compareAXA promo codes
| AXA Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best travel insurance providers.
Your reimbursement with AXA
Reimbursements with AXA’s Platinum plan are straightforward: just submit your claim with receipts or proof of loss, and AXA calculates the covered amount after any applicable deductible, paying you directly.
✅ Example 1: Medical emergency in France
Total cost of medical treatment and hospital stay: $2,800
Deductible: $0 (Platinum has no deductible for medical care abroad)
Amount reimbursed: $2,800 × 100% = $2,800
? You receive a reimbursement of $2,800.
ℹ️ Most eligible medical bills are reimbursed in full, up to $250,000 per person per trip.
✅ Example 2: Lost luggage during airport transfer
Total value of lost personal items: $1,100
Deductible: $0 (deductible not applied on baggage claims in the Platinum plan)
Amount reimbursable: $1,100 × 100% = $1,100
? You receive $1,100.
ℹ️ Maximum baggage coverage is $3,000 per trip, and proof of loss (e.g. airline report) is required.
✅ Example 3: Trip cancellation due to illness
Total non-refundable trip fees: $2,400
Deductible: $0 (no deductible for cancellation in Platinum)
Amount reimbursed at 100%: $2,400 × 100% = $2,400
? You receive $2,400.
ℹ️ Cancellations are reimbursed if a valid medical certificate is provided and the cancellation reason is covered.
AXA Support
AXA offers reliable 24/7 support and its “My Trip Companion” mobile app makes assistance accessible while travelling. Access to assistance is global, with international toll-free numbers and multilingual support, which is above market average. The digital-first claims process via web and app is smooth, but the app lacks significant teleconsultation features. Processing times are standard, with decisions typically within two weeks if documents are complete. The ability to obtain advances for hospitalization helps reduce out-of-pocket burden when abroad. However, there is no dedicated WhatsApp number for instant communication, which some digital players now offer.
| Assistance AXA | Available? | Details |
|---|---|---|
| 24/7 customer service | ✅ | Available 24/7 for emergencies and enquiries. Telephone and online access. |
| WhatsApp number | ❌ | No dedicated WhatsApp channel for assistance. |
| International phone number | ✅ | Toll-free assistance from most countries. Details provided in policy documents. |
| Mobile app | ✅ | "My Trip Companion" app for Android (4.1★) and iOS (4.6★). Enables claims, SOS, document upload. Good user-friendliness, but limited teleconsultation. |
| Number of supported languages | 4 | Assistance in English, French, Spanish, German (online and phone). |
| Online document upload | ✅ | Claims and documents submitted via portal or app. Fast and paperless process. |
| Average claims processing time | 10–15 | Typically 10–15 days once documents are submitted. |
| Teleconsultation | ❌ | No specific teleconsultation feature; not advertised in app. |
| Advance on medical expenses | ✅ | Advance possible for hospital bills abroad with AXA approval. Reduces up-front costs for travelers. |
Telephone and online access.
Details provided in policy documents.
Enables claims, SOS, document upload.
Good user-friendliness, but limited teleconsultation.
Fast and paperless process.
Reduces up-front costs for travelers.
AXA Reviews
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 4.0/5 from over 1,000 reviews |
| Google Reviews | 4.0/5 from over 1,000 reviews |
We analyzed the reviews from the sites mentioned above.
On the positive side, policyholders who purchased a plan from AXA for their trip often mention:
- A very responsive 24/7 customer service with helpful and professional staff.
- A digital process for claims and policy management that is simple and accessible.
- Clear contract wording and transparent information that help set expectations.
- High coverage limits on emergency medical and baggage protection providing reassurance.
- The convenience of managing claims through the mobile app and website.
On the negative side, they mention:
- An occasional delay in receiving reimbursements, especially during busy periods.
- Strict documentation requirements that can prolong or complicate certain claims.
- Some inconsistencies in the customer experience, depending on the claim type or region.
- A lack of flexibility or slowness in resolving complicated or exceptional cases.
- Difficulties in claiming for pre-existing conditions or in understanding related exclusions.
Customer testimonial
I had a scooter accident in Rome and needed to visit the hospital. Filing the claim through their online portal was manageable, though it required detailed documentation. The 24/7 helpline was available when I called. My medical bill of €1,500 (approx. $2,200 CAD) was covered as per my policy, and the reimbursement was processed within a few weeks. Overall, the insurance did its job, but the claims process was quite thorough.
Mark, 34 years old
AXA Contact
| Your need | Contact Method |
|---|---|
| I want to get a travel insurance quote | To subscribe, use our travel insurance comparison tool, select the AXA plan you’re interested in, and request a quote. |
| I need medical assistance |
|
| I want to report an incident |
|
| I want to track a reimbursement |
|
- 24/7 emergency helpline: 1-855-327-1441 (Canada and USA)
- Access also via "My Trip Companion" app
- Have your policy number ready
- File online or via "My Trip Companion" app
- 1-855-327-1441 for phone support
- Required: claim form, receipts, proof of loss
- Track online in your account or via the app1-855-327-1441 for support
- Documents: claim number, ID, additional receipts
- Processing time: typically 10–15 business days after receiving all documents
- Payment by electronic bank transfer
FAQ
What makes AXA travel insurance different from other options in Canada?
AXA is known for its high coverage limits, 24/7 emergency support, and clear, digital claims tools. Their Platinum Plan stands out for including a “Cancel For Any Reason” option, which many competitors do not offer. Their mobile app, “My Trip Companion,” helps manage policies and claims with ease. Support is available in multiple languages, and policies include provisions for medical emergencies, lost luggage, and travel delays.
Which AXA plan should I choose for my trip?
Your choice depends on your travel style and needs. The Bronze Plan is an affordable, post-departure medical solution. The Silver Plan covers domestic trips and trip cancellations. The Gold Plan is ideal for cruises, with higher medical and baggage coverage, while the Platinum Plan is best for those wanting maximum protection and the flexibility to cancel for any reason.
Does AXA cover COVID-19–related events on my trip?
Yes, many AXA policies include coverage for COVID-19–related medical expenses and certain trip interruptions or cancellations if you or a travel companion test positive. Review your policy terms before purchase to confirm the specific COVID-19 benefits and exclusions, as these may vary between plans and may be updated in line with ongoing pandemic developments.
How much does AXA travel insurance cost?
AXA plans for travelers in Canada start at $24 CAD for basic coverage (Silver Plan), with prices rising to around $64 CAD or more for the comprehensive Platinum Plan. Your specific premium will depend on trip length, destination, age of travelers, and the total cost to be insured. Use the online quote tool for an exact rate tailored to your trip.
What is not covered by AXA travel insurance?
Common exclusions include pre-existing medical conditions (unless a waiver is secured), routine check-ups, high-risk adventure sports (if not specifically added), and losses from traveling against medical advice. Some exclusions apply to unapproved destinations, intoxication, or illegal acts. Always review your policy’s exclusions carefully before you travel.
How do I file a claim with AXA, and how long does reimbursement take?
You can file your claim online, by phone, or through the “My Trip Companion” app. Submit the required claim form, receipts, and any supporting documents, such as medical certificates or police reports. Standard reimbursement times are 10 to 15 business days after all documents are received and reviewed, with payment made by bank transfer.
Does AXA offer support if I need emergency care when abroad?
Yes, all AXA travel insurance plans provide access to a 24/7 emergency helpline. Multilingual staff can assist in finding medical facilities, managing hospital payments, and arranging evacuations or repatriation as needed. Keep your policy number handy during your trip in case you need to call for immediate assistance.
What makes AXA travel insurance different from other options in Canada?
AXA is known for its high coverage limits, 24/7 emergency support, and clear, digital claims tools. Their Platinum Plan stands out for including a “Cancel For Any Reason” option, which many competitors do not offer. Their mobile app, “My Trip Companion,” helps manage policies and claims with ease. Support is available in multiple languages, and policies include provisions for medical emergencies, lost luggage, and travel delays.
Which AXA plan should I choose for my trip?
Your choice depends on your travel style and needs. The Bronze Plan is an affordable, post-departure medical solution. The Silver Plan covers domestic trips and trip cancellations. The Gold Plan is ideal for cruises, with higher medical and baggage coverage, while the Platinum Plan is best for those wanting maximum protection and the flexibility to cancel for any reason.
Does AXA cover COVID-19–related events on my trip?
Yes, many AXA policies include coverage for COVID-19–related medical expenses and certain trip interruptions or cancellations if you or a travel companion test positive. Review your policy terms before purchase to confirm the specific COVID-19 benefits and exclusions, as these may vary between plans and may be updated in line with ongoing pandemic developments.
How much does AXA travel insurance cost?
AXA plans for travelers in Canada start at $24 CAD for basic coverage (Silver Plan), with prices rising to around $64 CAD or more for the comprehensive Platinum Plan. Your specific premium will depend on trip length, destination, age of travelers, and the total cost to be insured. Use the online quote tool for an exact rate tailored to your trip.
What is not covered by AXA travel insurance?
Common exclusions include pre-existing medical conditions (unless a waiver is secured), routine check-ups, high-risk adventure sports (if not specifically added), and losses from traveling against medical advice. Some exclusions apply to unapproved destinations, intoxication, or illegal acts. Always review your policy’s exclusions carefully before you travel.
How do I file a claim with AXA, and how long does reimbursement take?
You can file your claim online, by phone, or through the “My Trip Companion” app. Submit the required claim form, receipts, and any supporting documents, such as medical certificates or police reports. Standard reimbursement times are 10 to 15 business days after all documents are received and reviewed, with payment made by bank transfer.
Does AXA offer support if I need emergency care when abroad?
Yes, all AXA travel insurance plans provide access to a 24/7 emergency helpline. Multilingual staff can assist in finding medical facilities, managing hospital payments, and arranging evacuations or repatriation as needed. Keep your policy number handy during your trip in case you need to call for immediate assistance.
