What is Search & Rescue?
The Search and Rescue benefit applies if you or your traveling companion becomes lost, injured, disoriented, or missing during a trip. It applies while participating in recreational activities that are reasonably safe considering your abilities and experience. It may help pay for the cost of one organized search and rescue operation per incident.
The operations are generally conducted by appropriate local authorities or professional rescue teams. Coverage is limited to eligible expenses and is subject to your travel protection plan’s terms, conditions, limits, and exclusions.
~ AXA Travel Assistance Representative
When Does Search & Rescue Apply?
The Search & Rescue benefit may apply when a traveler experiences an emergency during their trip that requires coordination with local authorities or rescue teams to locate and evacuate them. Typical situations include:
Getting lost, stranded, or disoriented in remote or rugged areas, such as mountains, forests, deserts, or wilderness trails.
Encountering dangerous conditions due to sudden weather shifts and natural hazards.
Needing assistance from specialized rescue providers, such as helicopter evacuation, boat deployment, or ground transport, to reach a safer location.
This benefit may help cover the costs of approved search and rescue efforts and support travelers by connecting them with professional assistance when rapid coordination is essential.
How AXA Covers Search & Rescue?
AXA Travel Insurance offers a Search & Rescue benefit that covers locating and evacuating a traveler who becomes lost, stranded, or faces a life-threatening situation during their trip. Coverage applies per person, per incident, and is limited to the maximum benefit shown for each plan.
What Does Search & Rescue Include?
When exploring remote or challenging locations, unexpected emergencies may arise. The Search & Rescue benefit available through AXA Travel Protection may help cover certain costs related to organized rescue operations. These services are intended to assist travelers when returning on their own is unsafe.
Organized Rescue Operations
Deployment of professional search teams to locate and recover travelers from hazardous or hard-to-reach environments.
Emergency Transport
Coverage for helicopters, boats, or ground vehicles used in the rescue, including fuel and operational expenses.
Assistance in Remote Terrain
Support for rescue operations in areas such as mountains, dense forests, deserts, or isolated coastlines.
Authorized & Professional Rescue
Search and rescue operations are conducted by government or professional teams and must be authorized by AXA.
Search & Rescue benefits are available for covered emergencies, subject to the policy’s terms, conditions, and exclusions.
get a quote nowCommon Exclusions in Search & Rescue
The Search & Rescue benefit applies only under specific covered conditions, and certain situations fall outside the scope of this protection. While exclusions vary by plan and state, the benefit generally does not apply to:
Restricted or High-Risk Activities
Coverage may not apply to situations arising from activities that are excluded in your plan, such as heli-skiing or certain extreme sports, or other high-risk recreational activities.
Legal or Financial Penalties
Search & Rescue benefits generally do not cover fines, damages, penalties, or litigation resulting from your or your traveling companion’s actions during the trip.
Events Caused by Irresponsible Behavior
Search & Rescue benefits may not apply if the event resulted from criminal activity, entering restricted areas, or disregarding official travel or safety advisories.
Voluntary Evasion
Benefits are generally not payable if you or your traveling companion deliberately hides or attempts to hide from the public during the trip.
How Do You File a Search & Rescue Claim?
If you required Search & Rescue services during your trip, you may be able to request reimbursement for eligible costs. To support timely processing, consider the following steps:
-
Check Your Plan Coverage
Review the travel protection plan you purchased to confirm that the incident qualifies as a covered Search & Rescue event and that this benefit is included.
-
Collect Your Documentation
Keep all paperwork related to the rescue, including itemized invoices from rescue providers, transportation charges, local authority reports, or any written summaries explaining what occurred.
-
Submit Your Claim
Visit AXA’s online claims portal or contact the claims team directly. Complete the claim form and upload all supporting documents.
-
Provide Additional Information If Requested
The claims team may follow up for clarification or more details. You can track your claim’s progress either online or by phone.
-
Complete Any Required Claim Forms
If your situation involves additional reimbursement or documentation, submit the appropriate forms with supporting materials as outlined in your policy.
Need Search & Rescue coverage for your next trip?
AXA Travel Protection may provide coverage for organized rescue and emergency transport if you become lost, stranded, or face a serious travel emergency abroad, subject to policy terms, conditions, and exclusions.
Disclaimer:This material is for informational purposes only and does not constitute a contract. Coverage availability, limits, and requirements vary by plan and jurisdiction.
FAQs About Search & Rescue Benefit
Can AXA Travel Insurance’s Search & Rescue coverage be used for solo adventure trips?
Travelers taking solo trips to remote areas, such as mountains, forests, or isolated coastlines, may be eligible for Search & Rescue benefits if a covered emergency occurs. This benefit generally applies when events like unexpected weather, equipment issues, or navigational problems result in the traveler becoming lost or stranded.
The benefit may support the cost of deploying qualified rescue teams to help locate and assist the traveler, depending on the plan’s terms and conditions.
Solo travelers are encouraged to carry communication tools, share their itinerary, and follow local regulations, as coverage applies only to qualifying emergencies handled in accordance with the plan requirements.
Are pets covered under AXA Travel Insurance’s Search & Rescue operations?
Search & Rescue coverage is designed specifically for the insured traveler and does not extend to pets or animals. Travelers accompanied by pets should make separate arrangements for their safety and evacuation in an emergency, as this benefit does not include costs or coordination for animal rescues.
While pets are not included under Search & Rescue, AXA Travel Protection offers additional benefits that may support travelers with pets, including Pet Kennel, Pet Return, and Pet Medical. These benefits may help address non-emergency needs related to your pet’s care while traveling.
To prepare for emergencies, travelers are encouraged to bring appropriate pet safety gear, identify local care options, and understand which pet-related benefits are available under their selected plan.
Is there a time limit for submitting a Search & Rescue claim?
Prompt submission is important for efficient claims review and verification. Once the emergency has ended, travelers should collect all relevant documents, such as invoices from rescue providers, transportation receipts, official reports, and written summaries of the event.
Delays may affect the availability or completeness of records needed to assess the claim. AXA evaluates claims based on the documentation submitted and reimburses eligible costs within the plan’s coverage limits and terms. Submitting your claim as soon as reasonably possible may help support timely processing.
Does Search & Rescue cover injuries sustained during the rescue?
The Search & Rescue benefit is primarily intended to cover operational expenses, such as locating the traveler, coordinating rescue personnel, and arranging transport from a hazardous or inaccessible area.
Medical treatment for injuries sustained during the rescue may be covered only if it is part of the coordinated emergency response. For additional medical care, travelers should rely on the medical coverage included in their AXA Travel Protection plan.
To determine eligibility, documentation from licensed medical providers or rescue teams may be required. While the benefit is designed to assist with safe recovery, its main focus is on extraction and transport, not ongoing medical care.
Can Search & Rescue assistance be requested if I am lost but not injured?
Search & Rescue benefit may apply even if no physical injury has occurred. If a traveler becomes lost, stranded, or disoriented in a remote area and cannot safely return to a secure location, assistance may be coordinated.
Circumstances such as difficult terrain, changing weather, or environmental threats can warrant the deployment of professional rescue teams. Eligibility depends on whether the situation requires organized intervention, as defined in the travel protection plan.
This benefit is designed to support safe recovery in emergencies where independent return is not feasible.
Are group travel emergencies handled differently under Search & Rescue?
When multiple insured travelers are involved in the same emergency, rescue efforts are typically coordinated as a group. However, coverage is applied individually based on each traveler's plan and benefits.
AXA works with professional rescue teams to manage the situation efficiently, often prioritizing based on urgency, location, and environmental conditions. While group coordination may improve logistics and response time, it does not change individual eligibility or benefit limits under the travel protection plan. Each traveler is assessed and supported according to the terms of their specific coverage.
Can Search & Rescue cover situations involving water activities?
The Search & Rescue benefit may apply to emergencies during water-based activities, such as kayaking, rafting, sailing, or snorkeling, when the situation requires professional intervention.
If a traveler becomes stranded or at risk due to capsizing, strong currents, equipment failure, or sudden weather, rescue teams may be deployed to assist, depending on the conditions and plan terms. Coverage typically focuses on operational and transport costs, such as boats or helicopters used in the rescue.
Travelers should maintain documentation of the incident and follow all safety and legal guidelines, as the benefit applies only to qualifying emergencies where returning safely without assistance is not possible.
How does Search & Rescue work for high-altitude trekking?
Search & Rescue benefits may apply when a traveler experiences an emergency during high-altitude trekking and is unable to descend or evacuate safely without assistance. Situations involving altitude sickness, severe weather, or remote terrain may require coordination with specialized mountain rescue teams.
Helicopters, ground personnel, and logistical support may be arranged to locate and extract the traveler, depending on the circumstances and plan terms. Documentation such as route details, official reports, and invoices must be submitted for review.
Coverage focuses on the costs associated with the rescue operation and does not replace medical or trip interruption benefits.
What happens if local rescue services are unavailable?
If local rescue teams are unavailable or unable to respond, AXA’s travel assistance teams generally make reasonable efforts to coordinate with alternative providers or regional authorities. Availability of support may vary by location, conditions, and local infrastructure. Coverage applies based on plan terms, and reimbursement is subject to eligibility and documentation.
Will AXA coordinate Search & Rescue, or do I have to contact local authorities first?
Travelers should contact AXA’s 24/7 assistance services as soon as possible in an emergency. AXA offers help in coordinating Search & Rescue operations by working with local authorities and professional rescue providers. In remote locations, travelers may also need to alert local services directly, especially if an immediate response is needed.
Can this benefit be used if the local infrastructure is partially functional?
The Security & Natural Disaster Evacuation benefit may apply when conditions substantially limit safe travel or access to essential services. Partial availability of transportation, communication, or lodging does not automatically prevent eligibility.
The travel assistance provider evaluates each situation based on the severity of disruptions, the availability of safe alternatives, and any official advisories. Evacuation is coordinated when relocation is justified by significant safety concerns and supported by plan terms and real-time assessments.
How are evacuation destinations determined?
The Security & Natural Disaster Evacuation benefit may apply when conditions substantially limit safe travel or access to essential services. Partial availability of transportation, communication, or lodging does not automatically prevent eligibility.
Evacuation destinations are identified based on safety, accessibility, and logistical feasibility. AXA’s travel assistance provider collaborates with local authorities, security specialists, and transportation partners to identify secure, appropriate locations.
Possible destinations may include nearby cities, designated evacuation shelters, or the traveler’s home country, depending on the nature of the event, travel conditions, and the terms of the plan. The priority is to reduce risk while ensuring the destination is reachable and appropriate under the circumstances.
What documentation is needed when requesting evacuation?
Travelers should be prepared to share specific details about their location, the nature of the event, and any official advisories received. Supporting documentation may include government-issued warnings, verified news reports, or evidence of transportation or infrastructure disruptions.
This information helps the travel assistance provider assess the situation and determine if it qualifies under the plan's covered events. Retaining communication records, receipts, and relevant documentation may also support any reimbursement requests submitted after evacuation coordination.
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.