Road Trip Travel
Insurance
Travel confidently, wherever you drive
Get real support when your road trip doesn’t go as planned.
Hi, I’m Lyn, a licensed travel assistant with AXA. I once took a call from Sarah, who was on a family road trip in Arizona when their car broke down on a long desert stretch. She sounded anxious, telling me her kids were restless in the backseat, the sun was beating down, and she was worried about losing the hotel nights and activities her family had already paid for.
I arranged for a tow truck right away and walked her through how her AXA road trip travel insurance could help with covered trip interruption costs, like unused hotels and alternate travel. When it turned out the car needed major repairs, I stayed in touch over the next few days and helped her adjust plans so her family could keep the trip going instead of cutting it short.
That’s what we do at AXA. Road trip travel insurance and travel assistance services are designed for situations like these, when travelers need extra support. Our licensed team is available around the clock to assist, so you can keep moving toward the journey you planned.
~ Lyn, Licensed Travel Assistance Agent with AXA
Road Trip Travel Insurance Benefits
Coverage that helps keep your single trip running as planned.
Trip Cancellation
If you cancel your road trip before departure for a covered reason, we reimburse your prepaid, non‑ refundable travel costs so your investment is protected.
Trip Interruption
Should an eligible event force you to cut your trip short, we help cover unused portions and additional travel home expenses.
Emergency Medical Expenses
If illness or injury strikes while you’re traveling, we help cover eligible medical costs so you can access care without worrying as much.
Medical Evacuation and Repatriation
In severe cases, we coordinate and cover necessary transport to a suitable facility or back home when medically required.
Baggage and Personal Effects
If your luggage or personal items are lost, stolen, or damaged during your journey, we help with reimbursement so you’re not left empty-handed.
Rental Car Damage
When you rent a vehicle and it is damaged or stolen, this benefit assists with repair or replacement up to your plan limit.
Our Most Selected Plan for Road Trips
A coverage level based on the common needs of travelers using their vehicle or a rental for road trips.
Want to See More Travel Insurance Options from AXA?
Compare our Bronze, Silver, Gold, and
Platinum options.
Gold
Great options for :
Schengen Eligible
Most Vacations Worldwide
Why You Need Single Trip Travel Insurance
AXA travel protection is here to support you when your road trip takes an unexpected turn. You may book hotels, excursions, or rental vehicles in advance, and even small disruptions can affect your plans. However, standard health or auto insurance often does not cover travel-related issues such as cancellations, delays, or lost items.
That’s why travel protection can help. It’s especially valuable if :
You cancel your trip due to a covered illness or emergency
A travel delay leads to extra costs for meals or hotel stays
Your baggage is lost or delayed, and you need to replace essentials
A rental vehicle is damaged or stolen during your trip
You need emergency medical care or evacuation far from home
With AXA, you get support to help keep your road trip on track, even when plans change.
Why Choose AXA Road Trip Travel Protection
Coverage for emergency medical needs during your triph
Protection if you cancel or cut your road trip short
Help with added costs from unexpected travel delays
Supports coverage needs for domestic and cross-border drives
Reimbursement for lost, stolen, or delayed baggage
How AXA Helps Keep Your Road Trip on Track
When you’re driving long distances, even a single disruption can affect your route, schedule, or bookings. AXA travel protection offers coverage that helps you manage those situations so you can keep moving forward.
You can cancel if illness keeps you from starting your trip
We help reimburse you if delays cause missed hotel nights
If you're injured on the road, we can help with care
These situations can be costly without the right support. With AXA, you’re backed by coverage for eligible trip interruptions, medical needs, and more. Whether you're navigating closed roads, rescheduling stops, or dealing with a health concern, we’re here to assist you. Our 24/7 global assistance team is ready whenever you need help.
A Trusted Leader in Insurance Since 1985, AXA Serves Millions Worldwide
Years of travel assistance expertise
Countries covered by our travel insurance
Travel assistance
FAQs About Road Travel Insurance
What is road trip travel protection and how is it different from auto insurance?
Road trip travel protection from AXA covers travel-related disruptions such as trip cancellations, travel delays, medical emergencies, and lost baggage. Auto insurance typically covers damage to your vehicle or liability on the road, but does not reimburse non-refundable trip expenses or medical care during travel. AXA travel protection helps cover those gaps, especially when you have bookings, plans, and expenses tied to your journey.
Does AXA cover damage to my personal vehicle during a road trip?
No. Damage to your personal car is not covered under AXA travel protection. That type of coverage would be handled by your auto insurance provider. However, if you rent a vehicle during your trip, both the AXA Gold and Platinum travel protection plans include rental car damage coverage. This benefit helps cover repair or replacement costs if the rental vehicle is damaged or stolen during your road trip. Coverage limits and terms apply, so it's important to review your plan details before purchasing.
What if I get sick or injured while on a road trip?
If you become ill or injured during your road trip, emergency medical coverage can help pay for eligible treatment expenses. This includes hospital visits, physician care, and prescriptions. In more serious situations, AXA can coordinate and cover medical evacuation to the nearest suitable medical facility or even arrange for transportation home if needed. Our assistance team is available 24 hours a day to help you access care quickly.
Can travel protection help if a delay affects my itinerary?
Yes. If your road trip is delayed due to a covered reason such as severe weather, accidents, or traffic-related closures, AXA travel protection can reimburse additional expenses. These may include meals, hotel stays, or alternate transportation. You can also receive reimbursement for prepaid services missed due to the delay, such as activities or lodging.
Does AXA cover lost or delayed baggage during a road trip?
Yes. If your baggage or personal items are lost, stolen, or delayed during your road trip, AXA travel protection can help reimburse you for essential items. This benefit helps cover clothing, toiletries, and other necessities so you can continue your trip without added inconvenience. Coverage limits and conditions apply based on your selected travel insurance plan.
Can I cancel my road trip for personal reasons that are not listed as covered events?
Yes, but only if you choose a plan that includes the optional Cancel For Any Reason (CFAR) benefit. CFAR is available with AXA's Platinum travel protection plan and allows you to cancel your trip for reasons not listed under standard coverage. To qualify, you must purchase the plan within the required timeframe and insure the full cost of your trip. This benefit provides partial reimbursement of your non-refundable expenses.
Does AXA offer support if I am traveling alone?
Yes. Solo travelers can access the same 24/7 emergency assistance available to all covered individuals. If you need help finding medical care, replacing lost documents, or rebooking travel due to delays or disruptions, our global assistance team is here to help. This added support can be especially valuable when you are navigating road trip changes without a travel companion.
Is travel protection available for cross-border road trips?
Yes. AXA travel protection can be used for domestic and international road trips, including those that cross into Canada or Mexico. Some benefits, such as medical coverage or evacuation services, are especially useful when traveling outside your home country. Be sure to review your travel insurance plan to confirm what is included for international portions of your trip.
Is coverage available for pre-existing medical conditions during a road trip?
Coverage for pre-existing conditions may be available if you meet certain eligibility requirements. Some AXA travel protection plans offer a waiver of the pre-existing condition exclusion, which means your condition can be covered if the travel insurance plan is purchased within a specific time frame after your initial trip payment and you insure the full cost of your trip. This benefit allows you to receive coverage for medical issues related to a pre-existing condition if those criteria are met. Be sure to review the road trip travel insurance plan details to understand eligibility and time-sensitive purchase requirements.
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"They made an awful experience so much easier! Coordinated travel to get off an island and back, paid for the Dr visit so I had no out of pocket expenses, and paid for a hotel for the night. I wish all insurance companies were this easy to work with! Plus the staff was friendly, caring, kind, and engaged. They were incredibly helpful and very prompt with their service."
Traveler with AXA Travel Insurance
Travel Assistance Wherever, Whenever
With over 65 years of travel assistance experience, AXA supports millions of travelers across 164 countries. Our licensed representatives are available 24/7 to guide you through medical needs, trip concerns, or questions about your plan.
You’ll always speak with real people who are here to help, wherever you travel.
