Cruise Explorer is the only AXA single-trip plan with benefits written for cruise situations. It includes Missed Port of Call, Itinerary Change, Itinerary Change: Pre-Paid Excursion and Travel Inconvenience benefits, which are not part of Explorer Standard, Select or Elite. Its Trip Delay and Baggage Delay benefits also start after 6 hours, and Missed Connection after 3 hours, which can help if a late flight or bag affects the start of your cruise. Travelers who want higher medical limits may want to compare it against Explorer Select or Elite.

Cruise Explorer can be worth considering if your cruise cost is high and you want coverage for risks a standard trip protection plan doesn't address, like missed ports and mid-cruise itinerary changes. Whether it makes sense for your trip depends on your total trip cost, how far in advance you're booking, and whether you want optional upgrades like Cancellation for Any Reason. Reviewing your plan document against your own trip details is the best way to decide.

Cruise Explorer can be worth considering if your cruise is a significant, mostly prepaid investment and you want protection for risks a standard plan doesn't address. These include skipped ports and itinerary changes. Whether it makes sense for your trip depends on your total trip cost, how far ahead you are booking, and whether you want options like Cancel for Any Reason. Reviewing your plan document against your own trip details is the best way to decide.

This plan can provide up to $100,000 for eligible Emergency Accident and Sickness Medical Expenses, including up to $750 for eligible dental expenses, paid on an excess basis. It also includes up to $250,000 for Emergency Medical Evacuation to the nearest adequate medical facility and up to $100,000 for Repatriation of Remains. Evacuation must be determined medically necessary, and the assistance company coordinates transportation.

Yes. The Missed Port of Call benefit can reimburse up to $500 per covered trip if your ship skips a scheduled port for a covered reason and the delay meets the 6-hour minimum. Review your plan document to understand which situations qualify as covered reasons and what documentation may be required when you submit a claim.

The Itinerary Change benefit may reimburse up to $500 per covered trip if the change happens before departure without your approval, and the Itinerary Change – Pre-Paid Excursion benefit may reimburse up to $500 per covered trip if a mid-cruise change affects a prepaid excursion. The benefit does not apply when the rescheduled activity still takes place during your covered trip. Refer to your plan document for covered reasons, eligibility requirements, and exclusions.

Yes. The Travel Inconvenience benefit may provide a $250 payment if you're confined to your cruise ship for more than 12 hours without essential services such as power, food, water, or restroom access. This benefit may also apply to certain covered flight delays, missed connections, and cruise diversions. It's limited to $250 per insured person per covered trip, and eligibility depends on the specific conditions outlined in your plan document.

The optional Cancellation for Any Reason (CFAR) upgrade may reimburse up to 75% of your insured trip cost, up to a maximum benefit of $18,750, based on a $25,000 maximum insured trip cost. You must purchase the upgrade within the required eligibility period and insure your full, prepaid, nonrefundable trip cost. CFAR is optional and available for an additional cost, so review your confirmation of coverage and plan document for purchase deadlines and other conditions.

You can file a Cruise Explorer claim in four steps, starting with notifying AXA within 20 days of a covered loss.

• Report the issue as soon as possible. Notify AXA or your administrator within 20 days of a covered loss.
• Gather your documentation. This includes cruise line verification of a missed port or itinerary change, receipts, and any incident reports.
• Submit your claim. File through MyTripCompanion or by contacting Claims Inquiries directly.
• Track your status. Claims Inquiries is available Monday through Saturday for status updates.

Shore excursions like snorkeling and zip-lining aren't automatically excluded, but adventure and extreme sports activities are excluded from Travel Medical Expense and Accidental Death & Dismemberment benefits unless you add the optional Adventure Sports Coverage upgrade. Coverage depends on the specific activity and the conditions in your plan document, so review it before participating in a shore excursion.

Cruise Explorer is available to travelers up to age 85, for trips of up to 90 days with a total insured trip cost of up to $40,000. You can purchase it up to 24 months before your scheduled departure date. Your plan cost may vary based on age, trip cost, travel dates, and state of residence, and benefit limits or options can vary by state.

The Travel Medical Expense benefit may cover up to $100,000 in eligible medical costs, including a $750 dental sublimit, and Emergency Medical Evacuation may cover up to $250,000 in transportation to the nearest adequate medical facility. Evacuation must be determined medically necessary under the plan, and the Assistance Company coordinates transportation. Coverage, exclusions, and additional requirements may apply, so refer to your plan document for details.

Buying soon after your initial trip payment gives you the best chance to qualify for benefits with purchase-window requirements, such as the pre-existing condition waiver, which requires purchase within 14 days of that payment. You can buy Cruise Explorer up to 24 months before departure, but waiting until closer to your trip means missing time-sensitive eligibility windows for certain benefits.

You can purchase Cruise Explorer up to 24 months before your scheduled departure date Purchasing earlier can also help you meet time-sensitive eligibility windows, such as the pre-existing condition waiver, which may be available if you buy within 14 days of your initial trip payment and meet the 180-day look-back requirement. The waiver isn't automatic, so review your plan document for full eligibility requirements.

A Pre-Existing Conditions Waiver is available on this plan when you purchase within 14 days of your initial trip payment. The plan applies a 180-day look-back period when reviewing medical history related to a claim. The waiver isn't automatic, so review your plan document for the full eligibility requirements.

Yes. You can add Cancel for Any Reason and Adventure Sports Coverage for an additional cost. Cancel for Any Reason can reimburse up to 75% of your insured trip cost, up to a maximum benefit of $18,750, if you cancel before departure for a reason not otherwise covered. Adventure Sports Coverage waives the adventure and extreme sports exclusion for medical and AD&D claims, which can matter for active shore excursions.

Yes. Cruise Explorer is available to travelers up to age 85. Your cost may vary based on age, trip cost, travel dates, and state of residence, and benefit limits or available options can vary by state. Review the plan document applicable to your state of residence before purchasing.