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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

 

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Road Trip Travel Insurance Benefits

Coverage that helps keep your single trip running as planned.

Cancellation

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

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

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

Medical Evacuation and Repatriation

In severe cases, we coordinate and cover necessary transport to a suitable facility or back home when medically required.

Baggage lost

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.

Missed connection coverage

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.

MORE BENEFITS

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.

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Platinum options.

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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 :

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You cancel your trip due to a covered illness or emergency

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A travel delay leads to extra costs for meals or hotel stays

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Your baggage is lost or delayed, and you need to replace essentials

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A rental vehicle is damaged or stolen during your trip

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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.

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Why Choose AXA Road Trip Travel Protection

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Coverage for emergency medical needs during your triph

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Protection if you cancel or cut your road trip short

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Help with added costs from unexpected travel delays

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Supports coverage needs for domestic and cross-border drives

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Reimbursement for lost, stolen, or delayed baggage

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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.

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You can cancel if illness keeps you from starting your trip

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We help reimburse you if delays cause missed hotel nights

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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.

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A Trusted Leader in Insurance Since 1985, AXA Serves Millions Worldwide

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FAQs About Road Travel Insurance

What is road trip travel protection and how is it different from auto insurance?

 

Senior travel insurance provides coverage that can help address certain travel-related risks that become more relevant with age, such as medical emergencies, trip cancellations, or emergency evacuations. It may offer protection where standard health insurance or Medicare typically does not, especially during international travel.

Does AXA cover damage to my personal vehicle during a road trip?

 

AXA's travel insurance is available to travelers of many age groups, including older adults. While some travel insurance plans may have age-related limits or exclusions, many are designed to accommodate the specific needs of senior travelers. It's important to review the plan details closely, as benefits, pricing, and eligibility can vary depending on your age and the type of coverage selected. Planning ahead allows you to choose a travel protection plan that supports your health needs and trip goals.

What if I get sick or injured while on a road trip?

 

Coverage for pre-existing conditions may be available under certain travel insurance plans, provided that eligibility requirements are met. This usually includes purchasing the plan within a specific number of days from your first trip payment and being medically able to travel at the time of purchase. When these criteria are satisfied, a "waiver of the pre-existing condition exclusion" may apply, allowing you to be covered for eligible expenses related to an existing health issue. Always review the policy language to confirm what qualifies and what documentation may be needed when filing a claim.

Can travel protection help if a delay affects my itinerary?

 

AXA's travel insurance plans may include emergency medical and dental benefits, which can help cover eligible expenses if you experience an illness or injury while traveling. These benefits often include coverage for hospital stays, urgent care or emergency room visits, ambulance services, diagnostic testing, and prescribed medication. Some plans may also include limited coverage for dental emergencies that occur during your trip. This type of coverage is especially valuable for international travel, where your usual health insurance or Medicare may not apply.

Does AXA cover lost or delayed baggage during a road trip?

 

If you become unexpectedly ill or injured before your departure, trip cancellation insurance may help reimburse non-refundable costs such as flights, hotel bookings, or tour fees, provided the reason for cancellation is listed as a covered event in your plan. To be eligible, your condition must develop after your plan goes into effect. Documentation, such as a physician's statement, may be required when filing a claim. Having this coverage can be particularly helpful for older adults, who may face more unpredictable health concerns before travel.

Can I cancel my road trip for personal reasons that are not listed as covered events?

 

AXA's 24/7 travel assistance services are available to provide support while you're away from home. These services are non-insurance features included with the travel protection plan and can help with tasks such as locating medical care, coordinating emergency transportation, and arranging language translation during a health emergency. If your passport or medications are lost, the travel assistance team can help you replace them or find local alternatives. This added layer of support can be especially reassuring for senior travelers visiting unfamiliar destinations or traveling alone.

Does AXA offer support if I am traveling alone?

 

AXA's 24/7 travel assistance services are available to provide support while you're away from home. These services are non-insurance features included with the travel protection plan and can help with tasks such as locating medical care, coordinating emergency transportation, and arranging language translation during a health emergency. If your passport or medications are lost, the travel assistance team can help you replace them or find local alternatives. This added layer of support can be especially reassuring for senior travelers visiting unfamiliar destinations or traveling alone.

Is travel protection available for cross-border road trips?

 

AXA's 24/7 travel assistance services are available to provide support while you're away from home. These services are non-insurance features included with the travel protection plan and can help with tasks such as locating medical care, coordinating emergency transportation, and arranging language translation during a health emergency. If your passport or medications are lost, the travel assistance team can help you replace them or find local alternatives. This added layer of support can be especially reassuring for senior travelers visiting unfamiliar destinations or traveling alone.

Is coverage available for pre-existing medical conditions during a road trip?

 

AXA's 24/7 travel assistance services are available to provide support while you're away from home. These services are non-insurance features included with the travel protection plan and can help with tasks such as locating medical care, coordinating emergency transportation, and arranging language translation during a health emergency. If your passport or medications are lost, the travel assistance team can help you replace them or find local alternatives. This added layer of support can be especially reassuring for senior travelers visiting unfamiliar destinations or traveling alone.

Ready to Protect Your Next Road Trip?

Get travel insurance benefits and assistance services designed to support your road trip and help you stay on track wherever the journey takes you.

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They share their story

"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."

Rhonda.

Traveler with AXA Travel Insurance

Traveler testimonial

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.

AXA Partners insurance advisor