Compare AXA's Annual Travel Protection Plans
Compare coverage, review plan benefits, and choose the AXA Annual Travel Protection plan that aligns with your travel habits throughout the year.
| Explorer Annual | Explorer Annual Plus | Explorer Annual Max | |
|---|---|---|---|
| Travel ✈️ | |||
| Trip Cancellation | Up to $2,500/year | Up to $5,000/year | Up to $10,000/year |
| Trip Interruption | Up to $2,500/year | Up to $5,000/year | Up to $10,000/year |
| Trip Delay | $250/day up to $500 after 12 hrs | $250/day up to $750 after 12 hrs | $250/day up to $1,000 after 6 hrs |
| Missed Connection | $500 after a 6-hour minimum delay | $500 after a 6-hour minimum delay | $2000 after a 3-hour minimum delay |
| Maximum Trip Length | 30 days/trip | 45 days/trip | 45 days/trip |
| Baggage & Personal Property 💼 | |||
| Baggage & Personal Effects | $500/year; $250 per article; 50% special items | $1,000/year; $250 per article; 50% special items | $2,500/year; $250 per article; 50% special items |
| Baggage Delay | $100/day up to $250 after a 24-hour delay | $150/day up to $500 after a 24-hour delay | $200/day up to $500 after a 6-hour delay |
| Medical & Evacuation ❤️ | |||
| Emergency Accident & Sickness Medical (Dental Sublimit) | $15,000; $750 | $25,000; $750 | $50,000; $750 |
| Emergency Medical Evacuation | $100,000 | $150,000 | $250,000 |
| Repatriation of Remains | $25,000 | $50,000 | $100,000 |
| Accidental Death & Dismemberment | $10,000 | $10,000 | $10,000 |
| Optional Benefits ✚ | |||
| Adventure / Extreme / Winter Sports Extension | - | May include limited coverage; additional coverage may be available as an optional upgrade at additional cost, subject to plan terms | May include limited coverage; additional coverage may be available as an optional upgrade at additional cost, subject to plan terms |
AXA Annual Travel Protection plans are travel insurance plans. Travel insurance benefits are subject to policy terms, conditions, limitations, and exclusions. Travel assistance services, if included, are non-insurance services provided by third-party providers.
Trip cancellation and trip interruption benefits apply only for covered reasons as defined in the policy.
What Does an Annual Travel Protection Plan Cover?
AXA Annual Travel Protection plans offer coverage for multiple trips taken within a 12-month period. Instead of arranging coverage each time you travel, you can choose a plan that applies to eligible trips throughout the year.
These plans generally focus on in-trip benefits. Annual travel insurance plans can cover eligible emergency medical expenses if you become ill or injured while traveling. It can also cover medical evacuation if transportation to an appropriate facility is medically necessary. Depending on the plan, benefits may include trip interruption , travel delays , and baggage-related incidents.
Unlike single-trip plans, which are tied to one itinerary and often include broader pre-departure benefits, annual plans emphasize coverage during travel across multiple trips. Each plan includes maximum trip lengths, coverage limits, and exclusions, so reviewing the plan documents can help you understand how coverage applies.
Recognized for Excellence in Travel Protection
In Forbes Advisor's 2025 review of travel insurance options, AXA Travel Insurance plans were recognized among top-rated offerings based on their methodology at the time of publication.
Who Should Consider Annual Travel Protection Plans?
AXA Annual Travel Protection plans may be a practical option if you take multiple trips throughout the year and want coverage that applies across those trips. Instead of arranging coverage for each journey, you can choose one plan that aligns with how often you travel and the level of coverage you may need.
You might consider these plans if you are:
A frequent traveler who takes several trips each year and prefers a single plan that applies across eligible trips
A business or leisure traveler who wants coverage for unexpected medical situations or travel disruptions while away from home
An international traveler who may benefit from higher medical and evacuation coverage offered in select plans
A traveler comparing coverage levels who wants the flexibility to choose between Explorer Annual, Explorer Annual Plus, and Explorer Annual Max options based on their travel patterns
Each plan includes different benefit limits and trip duration allowances, so reviewing the plan documents can help you choose the option that fits your travel habits and coverage preferences.
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What Optional Coverage Is Available With AXA Annual Plans?
AXA Annual Travel Protection plans may include optional benefits that you can add for an additional cost, depending on the plan you choose. These options allow you to adjust your coverage based on the types of trips you take and the activities you plan to include.
For example, Adventure Sports coverage may be available to extend eligibility to certain activities that are otherwise excluded. If your travel includes adventure, extreme, or winter sports, this option may provide additional coverage, subject to the plan’s terms, conditions, and exclusions.
Optional benefits typically need to be selected before your plan becomes effective and may not be available with every plan. As you compare Explorer Annual , Explorer Annual Plus , and Explorer Annual Max , you may notice differences in optional feature availability.
Reviewing the plan documents can help you understand which add-ons apply and how they fit your travel plans. Optional add-ons may vary by plan and involve additional costs.
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Frequently Asked Questions
How does an AXA Annual Travel Protection plan work?
An AXA Annual Travel Protection plan provides coverage for multiple eligible trips taken within a 12-month period. Instead of arranging coverage for each trip separately, one plan applies to all trips that meet the plan’s requirements, such as maximum trip length. Covered benefits may include emergency medical expenses , trip interruption , travel delays , and baggage-related incidents, subject to the plan’s terms, limitations, and exclusions.
What is the maximum trip length allowed under these plans?
Each plan includes a maximum trip duration per trip. Explorer Annual allows trips up to 30 days, while Explorer Annual Plus and Explorer Annual Max allow trips up to 45 days. Trips that exceed these limits may not be eligible for coverage. Reviewing the plan documents can help confirm how trip length requirements apply to your travel plans.
How is an annual travel protection plan different from a single-trip plan?
Annual plans provide coverage across multiple trips within a policy year, while single-trip travel protection plans cover only one journey. This means annual plans often simplify paperwork, allow consistent coverage for all trips, and may include additional options like adventure sports or extended medical benefits that single-trip plans may not offer.
Do these annual plans include trip cancellation coverage?
Yes, these annual plans include limited trip cancellation coverage with annual maximum limits. Trip cancellation benefits apply only for covered reasons as defined in the policy. Coverage applies to eligible, non-refundable trip costs if you need to cancel for a covered reason. The available limits vary by plan, so reviewing the coverage amounts and terms can help you understand how this benefit may apply to your trips.
Does annual travel protection cover adventure and extreme sports?
Annual plans may include protection for select adventure, extreme, or winter sports. Coverage depends on the plan, and some activities might require optional add-ons to be fully covered. Always review your plan details before planning high-risk activities.
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
