Compare AXA's Single-Trip Travel Protection Plans
Compare coverage, understand your plan benefits, and choose the AXA's Single-Trip Travel Protection plan that lets you focus on enjoying your trip.
| Explorer Standard |
Explorer Select |
Explorer Elite |
North America Explorer |
Worldwide Explorer |
|
|---|---|---|---|---|---|
| Travel ✈️ | |||||
| Trip Cancellation | 100% of Insured Trip Cost | 100% of Insured Trip Cost | 100% of Insured Trip Cost | 100% of Insured Trip Cost | 100% of Insured Trip Cost (max $10,000) |
| Trip Interruption | 150% of Insured Trip Cost | 150% of Insured Trip Cost | 150% of Insured Trip Cost | 150% of Insured Trip Cost | 100% of Insured Trip Cost (max $10,000) |
| Trip Delay | $1,000 ($200/day after 12 hrs) | $1,500 ($250/day after 12 hrs) | $2,000 ($300/day after 12 hrs) | $600 ($200/day after 12 hrs) | $500 ($150/day after 6 hrs) |
| Pet Kennel | - | - | $125 | - | - |
| Change Fee | $100 | $100 | $250 | - | - |
| Missed Connection | - | $1,500 | $1,500 | - | $250 (after 12 hrs) |
| Baggage & Personal Property 💼 | |||||
| Baggage Lost or Stolen | $1,000 | $1,500 | $5,000 | $1,000 | $500 |
| Baggage Delay | $300 (after 24 hrs) | $300 (after 12 hrs) | $1,000 (after 12 hrs) | $300 (after 24 hrs) | $250 (after 24 hrs) |
| Medical Evacuation and Repatriation of Remains ❤️ | |||||
| Accident & Sickness Medical (Dental Sublimit) | $100,000 ($750) | $250,000 ($2,000) | $250,000 ($2,500) | $25,000 ($750) | $50,000 ($500) |
| Medical Evacuation / Repatriation | $150,000 | $500,000 | $1,000,000 | $100,000 | $150,000 / $50,000 |
| Political or Security Evacuation and Natural Disaster Evacuation | - | $100,000 | $100,000 | - | - |
| Search & Rescue | - | - | $100,000 | - | - |
| Accidental Death & Dismemberment | $10,000 | $50,000 | $50,000 | $10,000 | $10,000 |
| Optional Benefits ✚ | |||||
| Cancel for Any Reason (CFAR) | - | 75% of Trip Cost (max $50,000) | 75% of Trip Cost (max $50,000) | - | - |
| Rental Car Damage | - | Up to $35,000 | Up to $50,000 | - | - |
| Pet Kennel | - | - | - | $1,500 | - |
| Pet Return | - | - | - | $1,000 | - |
| Pet Medical | - | - | - | $5,000 | - |
| Adventure Sports Coverage | - | - | - | - | Sporting Equipment Delay, Sporting Equipment Rental, and Adventure Coverage — $20 |
| Trip Interruption for Any Reason (IFAR) | - | - | - | - | Up to 75% of trip cost (maximum trip cost $10,000; maximum benefit $7,500) |
| Medical Coverage Buy-Up | - | - | - | - | Emergency Accident & Sickness $150,000 ($1,000 dental sublimit); Medical Evacuation $250,000; Repatriation of Remains $100,000 — $29 |
| Event Ticket Cancellation | - | - | - | - | $500 — $12.35 |
| Vacation Rental Damage | - | - | - | - | $2,500 ($100 re-key benefit) — $10 |
Cruise Explorer
Cruise Explorer is AXA’s travel protection plan for cruise vacations, with benefits for missed ports of call and itinerary changes alongside trip cancellation, trip interruption, medical, and baggage benefits.
Benefits
Travel ✈️
Cost (max $40,000)
Cost (max $60,000)
($250/day after 6 hrs)
(after 3 hrs)
(after 6 hrs)
Excursion$500
Baggage & Personal Property 🧳
Medical Evacuation and Repatriation of Remains ❤️
Optional Benefits ✚
Explorer OnTrip
The AXA Explorer OnTrip Travel Protection Plan focuses on coverage for medical emergencies and evacuation during your trip. This plan must be purchased the day before you leave for your trip. Purchases cannot be made on the day you leave.
| Benefits | Explorer OnTrip |
|---|---|
| Travel ✈️ | |
| Trip Interruption | $2,500 |
| Baggage & Personal Property 💼 | |
| Baggage Delay | $200 (after 24 hrs) |
| Medical Evacuation and Repatriation of Remains ❤️ | |
| Accident & Sickness Medical (Dental Sublimit) |
$100,000 ($500) |
| Medical Evacuation / Repatriation | $250,000 |
| Political or Security Evacuation and Natural Disaster Evacuation | $150,000 |
| Search & Rescue | $5,000 |
What Travel Protection Plan Is Right for You and Your Trip?
The right AXA travel protection plan depends on your destination, trip cost, trip length, and how much coverage you want. AXA offers six plans for U.S. residents, and each fits a different type of trip:
For trips in the U.S. and nearby regions, especially with pets: North America Explorer
For essential coverage at a lower cost: Explorer Standard
For higher limits and the option to add Cancel for Any Reason (CFAR): Explorer Select
For the highest medical, evacuation, and baggage limits: Explorer Elite
For short international trips costing up to $10,000: Worldwide Explorer
For in-trip coverage purchased right before departure: Explorer OnTrip
For post-departure travel benefits: Explorer OnTrip covers eligible events that happen after you depart, such as medical emergencies and evacuation. It does not include trip cancellation before departure
If you want flexibility to cancel for reasons not otherwise covered, choose Explorer Select or Explorer Elite and add CFAR within 14 days of your initial trip deposit. Coverage limits and eligibility vary by plan and state, so review the plan documents before choosing.
Recognized for Excellence in Travel Protection
We’ve continued to earn trust and recognition. In Forbes Advisor’s 2025 review of travel insurance options, one of AXA’s Travel Protection plans was named among the highest-rated plans, reflecting our reliability and commitment to traveler satisfaction.
What Optional Coverages Are Available, and When Should You Consider Them?
AXA offers optional coverages that can be added to select plans for an additional cost. They may be worth considering if your trip involves higher costs, uncertain plans, a rental car, pets, or specific activities. Availability depends on the plan you choose:
| When to consider it | Optional coverage |
|---|---|
| If your plans might change for reasons not otherwise covered | Cancel for Any Reason (CFAR), available with Explorer Select and Explorer Elite, may reimburse up to 75% of your insured trip cost, up to $50,000. It must be purchased within 14 days of your initial trip deposit and requires insuring the full trip cost. |
| If you are renting a car | Rental Car Damage, available with Explorer Select (up to $35,000) and Explorer Elite (up to $50,000), may help cover damage to a rental vehicle. |
| If you are traveling with a pet | North America Explorer offers optional Pet Kennel, Pet Return, and Pet Medical coverage. |
| If you are planning adventure activities | Worldwide Explorer offers Adventure Sports Coverage, including sporting equipment delay and rental benefits. |
| If you may need to cut your trip short for any reason | Worldwide Explorer offers Trip Interruption for Any Reason (IFAR), which may reimburse up to 75% of your trip cost, up to $7,500. |
| If you want higher medical limits on an international trip | Worldwide Explorer’s Medical Coverage Buy-Up increases emergency medical, evacuation, and repatriation limits. |
| If you have event tickets or a vacation rental | Worldwide Explorer offers Event Ticket Cancellation and Vacation Rental Damage coverage. |
Time-sensitive upgrades like CFAR have purchase deadlines, so review your options soon after booking. Benefits, limits, and eligibility vary by plan and state, so check the plan documents before adding any coverage.
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How Early Should You Buy Travel Insurance?
The best time to buy AXA travel insurance is as soon as you make your first trip deposit, ideally within days of booking. Here’s why timing matters:
Your coverage only starts when you buy. If you book a trip months in advance and something unexpected happens before departure, trip cancellation coverage may reimburse eligible non-refundable costs only if your AXA plan is already in place. Buying early helps protect your trip for the full stretch between booking and departure.
Some benefits have short purchase windows. Cancel for Any Reason (CFAR), available as an optional upgrade with AXA Explorer Select and Explorer Elite, must be purchased within 14 days of your initial trip deposit. Once that window closes, CFAR is no longer available for that trip.
Recent medical conditions may affect coverage. AXA plans include a 60-day pre-existing condition lookback, so medical conditions in the 60 days before you purchase may affect your coverage. Buying soon after booking may help with eligibility for certain medical benefits.
Known events are generally not covered. Once a storm is named, a strike is announced, or a travel advisory is issued, it is generally considered foreseeable. Plans purchased after that point may not cover related cancellations.
If you only need protection once your trip begins. AXA Explorer OnTrip covers eligible events that happen after you depart, such as medical emergencies and evacuation. Because it does not include trip cancellation before departure, it suits travelers who are less concerned about pre-trip changes. It must be purchased by 11:59 p.m. the day before you leave.
Review the plan documents for purchase deadlines and eligibility requirements that apply to your trip.
Questions or concerns
about your travel plan?
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Frequently Asked Questions
How do I choose the right AXA travel protection plan?
The right AXA plan depends on your destination, trip cost, trip length, and how much coverage you want before and during your trip. North America Explorer suits travel in the U.S. and nearby regions, Explorer Standard offers essential coverage, and Explorer Select and Explorer Elite offer higher limits. Worldwide Explorer suits shorter, lower-cost international trips. Explorer OnTrip covers only events that happen after you depart. Use the comparison table to review benefits side by side.
Can I add optional coverage to any AXA travel protection plan?
No. Optional coverages are available only on select AXA plans and cost extra. Cancel for Any Reason is available with Explorer Select and Explorer Elite and Cruise Explorer Rental Car Damage is available with Explorer Select and Explorer Elite, and pet coverage with North America Explorer. Adventure Sports Coverage is available with Cruise Explorer and Worldwide Explorer, which also offers several other buy-ups. Review each plan to see which options apply.
Does AXA offer Cancel for Any Reason (CFAR) coverage?
Yes, AXA offers Cancel for Any Reason as an optional upgrade with the Explorer Select and Explorer Elite plans. CFAR may reimburse up to 75% of your insured trip cost, up to $50,000, if you cancel for a reason not otherwise covered. It must be purchased within 14 days of your initial trip deposit and requires insuring the full trip cost.
Who can buy AXA travel insurance?
AXA travel protection plans are available to U.S. residents. Because travel insurance regulations vary by state, some benefits and optional upgrades may differ depending on where you live. Review the policy wording for your state before purchasing.
Is AXA Worldwide Explorer a good option for a lower-cost international trip?
AXA Worldwide Explorer is designed for international trips with an insured trip cost of up to $10,000 and a maximum length of 30 days. It includes trip cancellation, trip interruption, and $50,000 in emergency medical coverage. If your trip exceeds these limits or you need higher medical coverage, compare other AXA plans.
When do I need to buy AXA Explorer OnTrip?
AXA Explorer OnTrip must be purchased by 11:59 p.m. the day before your trip begins. For example, if you leave on October 10, you must buy the plan by 11:59 p.m. on October 9. It cannot be purchased on or after your departure date. Coverage applies to eligible events that happen once your trip is underway.
Does AXA Explorer OnTrip include trip cancellation coverage?
No, AXA Explorer OnTrip does not include trip cancellation coverage for events before departure. It focuses on eligible events that happen during your trip, including medical emergencies, evacuation, and a $2,500 trip interruption benefit. If you want protection for prepaid costs before you leave, compare plans that include trip cancellation, such as Explorer Standard, Explorer Select, or Explorer Elite.
What is the difference between AXA Worldwide Explorer and Explorer OnTrip?
AXA Worldwide Explorer covers events both before and during your trip, including trip cancellation, for shorter international trips costing up to $10,000. Explorer OnTrip covers only eligible events that happen after you depart, such as medical emergencies and evacuation, and includes a $2,500 trip interruption benefit. Explorer OnTrip must be purchased by the day before departure. Compare plan limits and terms to decide which fits your trip.
Which AXA plan has the highest medical coverage?
AXA Explorer Select and Explorer Elite both include up to $250,000 in accident and sickness medical coverage. Explorer Elite offers the highest medical evacuation limit at up to $1,000,000.
Does AXA travel insurance cover pre-existing medical conditions?
AXA plans include a 60-day pre-existing condition lookback, which means medical conditions in the 60 days before you purchase your plan may affect coverage. Eligibility for certain pre-existing condition benefits may depend on buying within a required timeframe. Review the plan documents for full eligibility criteria.
How can I get help choosing an AXA travel insurance plan?
You can speak with AXA’s licensed representatives or 24/7 multilingual insurance advisors by calling 855-327-1441. They can help you compare coverage and choose a plan for your trip.
Travel Assistance Wherever, Whenever
Travel with confidence knowing AXA Travel Insurance is there to support you along the way. With decades of experience in travel assistance, AXA Travel Insurance helps travelers feel supported wherever they go. Licensed travel representatives are available 24/7 to assist with medical coordination, trip concerns, or any questions about your plan.
