Key Takeaways
What Is the AXA Worldwide Explorer Travel Protection Plan? AXA Worldwide Explorer is a single-trip travel protection plan built for shorter, lower-cost international trips, pairing core benefits such as trip cancellation, trip interruption, medical expense, and baggage protection at limits sized for this plan tier.
What Additional Coverage Options Are Available? Travelers may add optional buy-ups such as Trip Interruption for Any Reason (IFAR), Adventure Sports Coverage, a Medical Upgrade Bundle, Event Ticket Cancellation and Vacation Rental Damage Protection, each priced separately and subject to eligibility, limits and plan terms.
What Is Trip Interruption for Any Reason (IFAR)? IFAR is a new AXA benefit that can reimburse eligible non-refundable land or water travel arrangements if you interrupt your trip 72 hours or more after your actual departure date, for a reason not otherwise covered by the plan, unlike Cancel for Any Reason, which applies only before departure.
What Does the AXA Worldwide Explorer Travel Protection Plan Cover
The AXA Worldwide Explorer plan covers the core events that most affect international travelers: trip cancellation, trip interruption, medical emergencies and baggage problems. The sections and cards below outline the base plan's key benefits at their standard limits.
Trip Interruption
Can reimburse up to 100% of your trip cost (maximum trip cost $10,000) if a covered reason cuts your trip short after departure.
Trip Cancellation
Can reimburse up to 100% of your insured trip cost (maximum trip cost $10,000; maximum trip length 30 days) if you cancel your trip for a covered reason before departure.
Baggage & Personal Effects
May provide up to $500 per covered trip, with a $0 deductible, subject to a $100 per-article limit and a 50% aggregate sublimit for specialty items.
Emergency Medical Evacuation
Can help arrange and pay up to $150,000 for emergency transportation to the closest adequate medical facility when medically necessary.
Emergency Medical Expense
May provide up to $50,000 for eligible travel medical expenses, including up to $500 for eligible dental expenses and up to $5,000 in advance payment to a hospital.
Trip Delay
Can reimburse up to $500, at up to $150 per day, after a 6-hour minimum delay to your scheduled common carrier.
What Optional Coverage Can You Add to This Plan
Travelers who want protection beyond the base plan's limits can add one or more optional buy-ups for an additional cost. Each buy-up is priced separately from the base plan cost and can be selected based on the specifics of a given trip.
Trip Interruption for Any Reason
Trip Interruption for Any Reason is a new AXA benefit that can reimburse eligible non-refundable land or water travel arrangements if you interrupt your covered trip 72 hours or more after departure, for a reason the plan does not otherwise cover. It applies after departure, unlike Cancel for Any Reason, which applies only before your trip begins. It must be purchased within 14 days of your initial trip payment and does not cover air travel penalties.
- Applies: after departure
- Trigger: interruption 72 hours or more after departure
- Reimburses: non-refundable land or water arrangements
- Purchase window: within 14 days of initial trip payment
Medical Upgrade Bundle
This buy-up raises Travel Medical Expense to $150,000, Emergency Medical Evacuation to $250,000 and Repatriation of Remains to $100,000, compared with $50,000, $150,000 and $50,000 in the base plan. It can suit destinations with higher medical costs or remote areas. It raises existing limits rather than adding new coverage types, and plan exclusions still apply. The assistance company must approve Emergency Medical Evacuation in advance, or reimbursement may be limited.
- Travel Medical Expense: $150,000 (base plan: $50,000)
- Emergency Medical Evacuation: $250,000 (base plan: $150,000)
- Repatriation of Remains: $100,000 (base plan: $50,000)
- Dental: up to $1,000 (base plan: $500)
Adventure and Sports Coverage
This buy-up waives the plan's Adventure Activities, Winter Activities, and Extreme Sports exclusion for Travel Medical Expense and Accidental Death and Dismemberment claims, and adds up to $400 for Sporting Equipment Delay and Rental after a 12-hour delay. It adds no separate dollar coverage for the activities themselves; it removes the exclusion that would otherwise apply to a covered injury sustained while participating in them.
- Exclusion waived for: Travel Medical Expense and AD&D
- Activities: adventure, winter and extreme sports
- Equipment delay: up to $400 after 12 hours
- Reimburses: equipment rental and delivery costs
Vacation Rental Damage Protection
This buy-up can reimburse up to $2,500 toward accidental damage to a vacation rental property, paid as the lesser of repair cost or actual cash value, plus up to $100 to re-key door locks if keys are lost or damaged. It applies when the property management company makes a formal written demand, and covers you and traveling companions listed on the rental agreement. Coverage begins at check-in if the buy-up cost was paid beforehand.
- Maximum benefit: up to $2,500
- Re-keying door locks: up to $100
- Who is covered: you and companions listed on the rental agreement
- Not covered: natural disasters, intentional acts, wear and tear
Event Ticket Cancellation
This buy-up can reimburse up to $500 for a nonrefundable, unused event ticket, less any refund, when a covered reason prevents the ticketholder from attending. It applies to entertainment, theatrical, or recreational events, and the ticketholder can be someone other than the buyer. You must have paid the full ticket cost and keep the original receipt.
- Maximum benefit: $500, less any refund
- Who is covered: you or the person you give the ticket to
- Covered reasons: illness, injury, family death, job loss, vehicle accident
- Requirement: full ticket cost paid and receipt kept
Is the AXA Worldwide Explorer Plan a Good Fit for Your Trip
This plan can be a fit for travelers taking a shorter international trip with a total trip cost at or below $10,000 who want core travel protection benefits without paying for the higher limits found on AXA's other plans. Travelers with a higher trip cost, a longer trip, or a need for a Pre-Existing Conditions Waiver or Cancel for Any Reason may want to compare this plan against Explorer Standard, Select or Elite.
| Eligibility Detail | Limit / Detail |
|---|---|
| Eligibility and Purchase Window | |
| Residency requirement | Must be a U.S. resident to purchase this plan |
| Minimum trip distance | More than 100 miles from your primary or secondary residence |
| Trip Cancellation start | Coverage begins at 12:01 a.m. local time the day after the plan cost is received and ends when you depart |
| Advance purchase window | Up to 365 days before departure |
| Maximum traveler age | 85 |
| Purchase deadline | Must be purchased before your covered trip begins, as with all AXA travel protection plans |
| Trip Cost and Trip Length Limits | |
| Maximum trip cost | $10,000 |
| Maximum trip length | 30 days |
| Pre-existing conditions look-back period | 180 days, with no waiver currently offered |
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What Does AXA Low Cost International Plan Cover at a Glance
Benefit amounts and limits are subject to the plan document's terms, conditions, and exclusions.
| Worldwide Explorer Travel Protection Plan | |
| Trip Cancellation | Up to 100% of trip cost (maximum trip cost $10,000; maximum trip length 30 days) |
| Trip Interruption | Up to 100% of trip cost (maximum trip cost $10,000) |
| Trip Delay | Up to $500 ($150 per day after a 6-hour minimum delay) |
| Missed Connection | Up to $250 per covered trip after a 12-hour minimum delay |
| Baggage Delay | Up to $250, primary ($100 per day after a 24-hour minimum delay) |
| Baggage and Personal Effects | Up to $500 per covered trip, $0 deductible ($100 per-article limit; 50% aggregate for specialty items) |
| Travel Medical Expense | Up to $50,000, $0 deductible, primary (dental up to $500; advance payment to hospital up to $5,000) |
| Emergency Medical Evacuation | Up to $150,000 (3 days hospitalized triggers additional extended benefits) |
| Repatriation of Remains | Up to $50,000 |
| Accidental Death and Dismemberment | $10,000 |
| Trip Interruption for Any Reason / IFAR (Optional) | Up to 75% of trip cost (maximum trip cost $10,000; maximum benefit $7,500) |
| Adventure Sports Coverage (Optional) | Waives Adventure/Winter/Extreme Sports exclusion for Travel Medical Expense and AD&D; adds Sporting Equipment Delay & Rental up to $400 (12-hour minimum delay) |
| Medical Upgrade Bundle (Optional) | Travel Medical Expense to $150,000 ($1,000 dental; $5,000 advance payment); Evacuation to $250,000; Repatriation to $100,000 |
| Event Ticket Cancellation (Optional) | Up to $500 |
| Vacation Rental Damage Protection (Optional) | Up to $2,500 actual cash value ($100 re-key benefit) |
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What Does the AXA Worldwide Explorer Plan Not Cover
Like AXA's other travel protection plans, Worldwide Explorer excludes a number of situations described in the plan document. Some of the most relevant exclusions for travelers comparing plans include the following.
- Pre-existing conditions, unless a Pre-Existing Conditions Waiver applies, which is not currently offered on this plan
- Mental or emotional disorders, unless you are hospitalized at the time of loss
- Extreme sports and most adventure or winter activities, unless the Adventure Sports buy-up is purchased and the loss involves Travel Medical Expense or Accidental Death and Dismemberment
- Pandemics and epidemics, as identified by the CDC or World Health Organization
- Losses connected to intoxication, the commission of a crime, or participation in civil disorder
- War, invasion, or hostilities between nations, whether declared or not
- Travel to or within a country where providing coverage would violate U.S. sanctions or embargo laws
This is a summary, not a complete list. The plan document governs and sets out every exclusion, limitation, and condition that applies.
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Frequently Asked Questions
What makes the AXA Worldwide Explorer Travel Protection Plan different from AXA's other travel insurance plans
CThe AXA Worldwide Explorer Travel Protection Plan is centered on a lower trip cost cap and a shorter maximum trip length, which helps keep the plan cost down for shorter, lower-cost international trips. It still includes the core benefits travelers look for, such as Trip Cancellation, Trip Interruption, Travel Medical Expense, and Emergency Medical Evacuation, at limits sized for this plan tier. Travelers who want higher benefit limits or optional Cancel for Any Reason coverage may want to compare this plan against Explorer Standard, Select or Elite.
How much medical coverage does the AXA Worldwide Explorer plan include?
This plan can provide up to $50,000 for eligible Travel Medical Expenses, including up to $500 for eligible dental expenses and up to $5,000 in advance payment to a hospital when needed. It also includes up to $150,000 for Emergency Medical Evacuation and up to $50,000 for Repatriation of Remains, subject to the plan document's terms, conditions, and exclusions. Travelers who want higher medical limits can add the optional Medical Upgrade Bundle, which raises these amounts to $150,000, $250,000, and $100,000, respectively.
Can I add optional coverage to the AXA Worldwide Explorer plan?
Yes. This plan offers several optional buy-ups for an additional cost, including Trip Interruption for Any Reason (IFAR), Adventure Sports Coverage, a Medical Upgrade Bundle, Event Ticket Cancellation, and Vacation Rental Damage Protection. Each buy-up is purchased separately and priced separately from the base plan cost, and Trip Interruption for Any Reason must be added within 14 days of your initial trip payment. A Pre-Existing Conditions Waiver buy-up is not currently available on this plan.
What is the difference between Trip Interruption for Any Reason and Cancel for Any Reason
Trip Interruption for Any Reason (IFAR) and Cancel for Any Reason (CFAR) apply at different points in a trip., CFAR is a pre-departure benefit that can reimburse a percentage of trip cost if you cancel your trip before it begins, for a reason not otherwise covered. IFAR is a post-departure benefit, available with the AXA Worldwide Explorer plan, that can reimburse eligible non-refundable land or water travel arrangements if you interrupt your trip 72 hours or more after your actual departure date, for a reason not otherwise covered by the plan.
Does the AXA Worldwide Explorer plan cover pre-existing medical conditions?
No waiver for the Pre-Existing Conditions exclusion is currently offered on this plan either as a standard feature or as an optional buy-up. The plan document applies a 180-day look-back period when reviewing medical history related to a claim. Travelers who want a Pre-Existing Conditions Waiver may want to compare this plan against AXA plans that offer one.
What are the eligibility and trip cost limits for the AXA Worldwide Explorer plan?
This plan is available to U.S. residents for covered trips of more than 100 miles from your primary or secondary residence with a total trip cost of up to $10,000 and a trip length of up to 30 days. A 14-day free look (state terms may differ) lets you cancel for a full refund if you have not yet departed and have not filed a claim.
What assistance services are included with the AXA Worldwide Explorer plan
Travel assistance services connected to this plan are not insurance and are offered and administered by AXA Assistance USA These non-insurance services can help with needs such as locating medical care while traveling. AXA Assistance cannot guarantee that assistance services will be available in every location or under all circumstances, as some situations may be beyond AXA's control.
What does the AXA Worldwide Explorer plan not cover
Like other AXA travel protection plans, Worldwide Explorer excludes a number of situations described in the plan document. These include pre-existing conditions not covered by a waiver, mental or emotional disorders unless hospitalized, extreme sports and most adventure or winter activities unless the Adventure Sports buy-up is purchased, pandemics and epidemics, and losses connected to intoxication, criminal acts, or war, among other exclusions. The plan document governs and should be reviewed for the complete list.
How do I purchase the AXA Worldwide Explorer plan?
Purchasing the AXA Worldwide Explorer plan takes just a few minutes
- Request a quote online by entering your trip details and selecting the AXA Worldwide Explorer plan
- Add any optional buy-ups you want, such as the Medical Upgrade Bundle or Adventure Sports Coverage
- Review the plan terms, complete your payment, and receive a confirmation email with your plan documents
You can also call AXA or email AXA with questions before you buy. Trip Cancellation coverage begins at 12:01 a.m. local time the day after the plan cost is received and ends when you depart.
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