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 |
| Adventure / Extreme / Winter Sports | May include waived exclusions; optional | May include waived exclusions; optional | May include waived exclusions; optional |
| 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 | - | Optional at additional cost | Optional at additional cost |
| Pre-existing Condition Waiver | - | Optional at additional cost | Optional at additional cost |
What Does an Annual Travel Protection Plan Cover?
An annual travel protection plan is designed to provide coverage for multiple trips taken within a 12-month period, rather than covering just one trip. This type of plan focuses primarily on in-trip benefits, helping address unexpected situations that may arise while you are traveling.
Coverage typically includes benefits such as emergency medical expenses, medical evacuation, trip interruption, travel delays, and baggage-related incidents. These benefits apply to eligible trips taken during the plan period, up to a maximum trip length defined in the plan documents.
In contrast, single-trip travel protection plans are designed for one specific trip and often include additional benefits such as trip cancellation coverage for prepaid, non-refundable expenses before departure. Annual plans generally do not include trip cancellation benefits and instead emphasize support during travel across multiple trips.
Reviewing the plan documents can help you understand coverage limits, trip duration requirements, and any exclusions that may apply to each type of plan.
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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.
Who Should Consider Annual Travel Protection Plans?
AXA Annual Travel Protection plans are designed for travelers who take multiple trips throughout the year and want coverage that applies across those trips. Since AXA offers different annual plans with varying coverage levels, choosing the right option depends on how often you travel and the type of coverage you may need. These plans may be suitable for:
Frequent travelers who take several trips each year and prefer a single plan that applies across eligible trips
Business and leisure travelers who want coverage for unexpected medical situations or travel disruptions while away from home
International travelers who may benefit from higher medical and evacuation coverage offered in select plans
Travelers comparing coverage levels who want 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 features, so reviewing the travel protection plan documents can help you select the option that aligns with your expected travel frequency, destinations, and coverage preferences.
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What Optional Coverage Is Available With AXA Annual Plans?
AXA Annual Travel Protection plans offer optional benefits that may be added at an additional cost, allowing travelers to adjust coverage based on their activities and travel preferences throughout the year.
One available option is Adventure Sports coverage, which extends eligibility to certain activities that may otherwise be excluded. Depending on the plan selected, this may include coverage for adventure, extreme, or winter sports, subject to the plan’s terms, conditions, and exclusions.
Optional benefits must be selected in advance of the plan’s effective date and are available for an additional cost. Availability may vary based on the plan you choose and eligibility requirements.
Since AXA offers three annual plans, Explorer Annual, Explorer Annual Plus, and Explorer Annual Max, reviewing the plan documents can help you understand which optional features are available and how they apply to your travel plans.
NOTE: Optional add-ons may vary by plan and may 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. 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.
Are pre-existing medical conditions covered?
Coverage for pre-existing medical conditions depends on the plan selected and eligibility requirements. Some plans may offer a waiver of the pre-existing conditions exclusion if specific criteria are met, while others may not include this option. A lookback period typically applies. Reviewing the plan documents can help you understand how pre-existing conditions are handled.
What is the pre-existing condition lookback period for annual travel protection?
Annual travel protection plans have a 60-day lookback period. Any medical conditions you had in the 60 days before your policy starts may not be covered for trip cancellations, interruptions, or emergency medical treatment. Knowing this helps travelers plan and understand which conditions could be excluded. No pre-existing condition waiver is offered, so it’s important to review your health history and plan accordingly.
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
