Compare AXA Travel Protection Plans
Compare coverage, understand your benefits, and choose the AXA Travel Protection plan that lets you focus on enjoying your trip.
| Benefits | Explorer OnTrip | North America Explorer | Explorer Standard | Explorer Select | Explorer Elite |
|---|---|---|---|---|---|
| Travel | |||||
| Trip Cancellation | N/A | 100% of Insured Trip Cost | 100% of Insured Trip Cost | 100% of Insured Trip Cost | 100% of Insured Trip Cost |
| Cancel for Any Reason (CFAR) | N/A | N/A | N/A | 75% of Trip Cost (max $50,000) | 75% of Trip Cost (max $50,000) |
| Trip Interruption | $2,500 | 150% of Insured Trip Cost | 150% of Insured Trip Cost | 150% of Insured Trip Cost | 150% of Insured Trip Cost |
| Travel Delay | N/A | $600 ($200/day after 12 hrs) | $1,000 ($200/day after 12 hrs) | $1,500 ($250/day after 12 hrs) | $2,000 ($300/day after 12 hrs) |
| Change Fee | N/A | N/A | $100 | $100 | $250 |
| Missed Connection | N/A | N/A | N/A | $1,500 | $1,500 |
| Baggage & Personal Property | |||||
| Baggage | N/A | $1,000 | $1,000 | $1,500 | $5,000 |
| Baggage Delay | $200 (after 24 hrs) | $300 (after 24 hrs) | $300 (after 24 hrs) | $300 (after 12 hrs) | $1,000 (after 12 hrs) |
| Medical & Evacuation | |||||
| Accident & Sickness Medical (Dental Sublimit) | $100,000 ($500) | $25,000 ($750) | $100,000 ($750) | $250,000 ($2,000) | $250,000 ($2,500) |
| Medical Evacuation / Repatriation | $150,000 | $100,000 | $150,000 | $5,000,000 | $10,000,000 |
| Security & Natural Disaster Evacuation | $150,000 | N/A | N/A | $100,000 | $100,000 |
| Search & Rescue | $5,000 | N/A | N/A | N/A | $100,000 |
| Accidental Death & Dismemberment | N/A | $10,000 | $10,000 | $50,000 | $50,000 |
| Optional Benefits | |||||
| Rental Car Damage | N/A | N/A | N/A | Up to $35,000 | Up to $50,000 |
| Pet Kennel | N/A | Up to $1,500 | N/A | N/A | $125 |
| Pet Return | N/A | Up to $1,000 | N/A | N/A | N/A |
| Pet Medical | N/A | Up to $50500 | N/A | N/A | N/A |
What Travel Protection Plan Is Right for You and Your Trip?
AXA Travel Insurance offers several travel protection plans designed to support different types of travel. Benefits, coverage types, and eligibility requirements vary by plan.
The Explorer OnTrip Travel Protection plan is designed for travelers who require coverage for unexpected events that occur during the trip. For U.S.-based travel, the North America Explorer Travel Protection plan supports domestic trips and may include benefits related to traveling with pets.
The Explorer Standard Travel Protection plan includes coverage for prepaid trip costs, in-trip disruptions, medical expenses, travel delays, and baggage-related incidents. The Explorer Select Travel Protection plan provides higher coverage levels and additional protections, including missed connections.
The Explorer Elite Travel Protection plan offers the highest coverage levels among these options, with expanded protection for trip costs, medical needs, evacuation benefits, and baggage.
Reviewing the travel protection plan documents can help you select the option that aligns with your trip details and coverage preferences. Use the comparison table below to review the plans side by side and choose the one that fits your travel plans.
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?
Cancel for Any Reason (CFAR) is available as an optional add-on with the Explorer Select and Explorer Elite Travel Protection plans. This optional upgrade allows you to cancel your trip for reasons not otherwise covered. CFAR must be purchased within 14 days of your initial trip deposit and requires insuring the full trip cost. It reimburses up to 75% of the insured trip cost, subject to a maximum of up to $50,000 and eligibility requirements.
Rental Car Damage coverage is also available as an optional upgrade with the Explorer Select and Elite Travel Protection plan. This benefit provides coverage for rental vehicle damage, subject to the plan’s terms and coverage limits.
North America Explorer Travel Protection plan includes optional Pet Kennel, Pet Return, and Pet Medical coverage for trips that require additional coverage when traveling with pets. Optional benefits vary by travel protection plans. Review the plan documents to understand eligibility requirements, coverage limits, and exclusions before making your selection.
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How Early Should You Buy Travel Insurance?
Purchasing a travel protection plan soon after booking your trip helps ensure eligibility for time-sensitive benefits and provides coverage for certain unexpected events that may occur before departure.
Each plan includes a 60-day pre-existing condition lookback, which means medical conditions in the 60 days before purchasing your policy may affect coverage. Buying early is important because eligibility for these pre-existing condition benefits often depends on purchasing within the required timeframe and meeting criteria in the plan documents.
Early purchase also allows trip cancellation coverage to take effect sooner. If you need to cancel your trip for a covered reason before departure, eligible non-refundable expenses may be reimbursed. Because time-sensitive benefits are not available on every plan and must be elected within required purchase windows, reviewing your options shortly after booking ensures you understand which coverage applies to your trip.
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Frequently Asked Questions
How do I know which AXA Travel Protection plan is right for me?
Start by considering your destination, trip length, and personal needs. Look at the level of coverage offered, including medical, cancellation, and baggage benefits. AXA’s Travel Protection plan comparison table can help you evaluate options side by side.
Can I add optional features to any AXA Travel Protection plan?
Yes, optional features like Rental Car Damage coverage and Cancel for Any Reason (CFAR) are available on some selected plans for an added cost. These may include higher benefit limits or coverage for certain pre-existing conditions. Not all features are available on every plan, so it’s important to review which options apply to the specific travel protection plan you’re considering before purchasing.
Does AXA Travel Insurance offer Cancel For Any Reason (CFAR)? Which plans have it?
Yes, AXA offers Cancel For Any Reason (CFAR) coverage, but only as an optional upgrade with the Explorer Select and Explorer Elite Travel Protection plans. CFAR reimburses you for up to 75% of your trip cost if you cancel for reasons not normally covered, such as simply deciding not to travel.
Who is eligible to buy AXA Travel Insurance?
AXA Travel Protection plans are available for U.S. residents. Because travel insurance regulations differ by state, certain benefits and optional upgrades may vary depending on where you live. It’s important to read the policy wording for your state before purchasing so you know exactly which protections and features apply to your travel protection plan.
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.
