AXA Travel Insurance Singapore Review 2022

AXA Travel Insurance Review

Travel insurance plans are so cheap these days that it’s amazing that premium travel insurance like AXA Smart Traveller even exists.

My colleague explained it to me perfectly: most Singaporeans who buy cheap travel insurance plans never had to file a serious claim before. But there are people who have gone through the trauma of actual medical emergencies overseas. These are the ones who understand the value of good travel insurance and are willing to pay more for AXA travel insurance.

Let’s enter the world of premium travel insurance and see if AXA is really worth your money.

AXA travel insurance at a glance

AXA SmartTraveller comes in two tiers: Essential (cheaper and more basic) and Comprehensive (more expensive). Here’s a brief look at the difference in price and coverage.

Travel insurance plan Essential Comprehensive
Price for 1 week (Regional) $73 $97
Price for 1 week (Global) $98 $126
Promotion 30% off single-trip plans
Medical expenses (overseas) $300,000 $600,000
Emergency medical evacuation Unlimited Unlimited
Personal accident (death & TPD) $200,000 $350,000
Travel delay ($100 every 6 hours) $1,000 $2,000
Trip cancellation $6,000 $12,000
Baggage delay ($200 every 6 hours) $1,200 $1,800
Baggage loss/damage $5,000 $10,000
Adventure activities covered? Yes

AXA COVID-19 extension at a glance

Travel insurance plan Essential Comprehensive
Medical expenses (overseas) $75,000 $150,000
Emergency medical evacuation Unlimited Unlimited
Overseas hospitalisation cash $100 per day up to $1,000 $100 per day up to $2,000
Overseas quarantine allowance $50 per day up to $350 $50 per day up to $700
Trip postponement $500 $1,000
Trip cancellation $1,000 $2,000
Trip curtailment $2,000 $4,000

AXA travel insurance promotion

The regular AXA Smart Traveller travel insurance prices are soooo expensive! Even with the current promotion (30% off single trip plans), it is still on the expensive side. 1 week coverage in Asia will cost about $56.

Here’s a link to the AXA Smart Traveller promotions page. Do note that this promotion is for online purchases only.

What does AXA travel insurance cover?

In general, the AXA Smart Traveller plans have great coverage.

With such high premiums, it comes as no surprise that AXA Smart Traveller plans have higher than average limits on emergency expenses. In fact, the cheapest plan (AXA SmartTraveller Essential) is closer to most typical travel insurance companies’ 2nd-tier plans. Also taking into account that AXA’s Smart Traveller plans offer COVID-19 benefits, it is definitely worth the buck. 

So compared to others in the $20 to $30 price range (after discount), it has relatively high coverage limits for things like medical expenses, personal accidents and trip cancellations. There’s even unlimited coverage on emergency medical evacuation, which is not typical of lower tier plans.

Plus, if you’re travelling with expensive items you’ll probably appreciate the high sub-limits on loss/damage to your possessions. For example, if you’re covered by the Essential plan, you can claim up to $2,000 for laptops, tablets and phones, and up to $2,500 for lost passports and cash.

AXA is also well known for the speed and efficiency of their emergency response, should the worst happen.

Does AXA exclude adventurous activies?

Although the policy wording for adventure sport exclusions is vague (excludes activities involving “exceptional speed and height”), there are reasonable exceptions explicitly stated in the FAQs.

Generally, activities are covered as long as they are:

(a) open to the general public without restriction
(b) organised by a licensed operator and
(c) for leisure and non-competitive purposes

See the full list of covered activities and their limitations as listed on the AXA Smart Traveller’s FAQ page.

Outdoor activity Covered by AXA Smart Traveller plans?
Hot air balloon Yes
Scuba diving Yes (up to 30m)
Skiing and other ice/snow sports Yes (within approved areas of ski resorts)
Hiking or trekking Yes (up to 3,500m)
Mountaineering or outdoor rock climbing Yes (doesn’t require the use of specific climbing equipment and ropes)
Marathons and other competitions Yes (excluding biathlons, triathlons and ultra marathons)
Jet skiing Not stated
White water rafting Yes (up to grade 3)
Skydiving Not stated
Paragliding, hang gliding or parachuting Not stated
Bungee jumping Not stated


AXA travel insurance claim procedure

Emergency hotline: Call AXA emergency assistance hotline at +65 6322 2566

Online claims: Submit your claim with supporting documents through AXA’s online form.

Hard copy claims: Print out the travel claims form and mail with your documents to AXA Insurance Pte Ltd, 8 Shenton Way #24-01 AXA Tower, Singapore 068811. Or pass the bundle to your insurance agent.

Things to note: Claims must be made within 30 days of your return to Singapore.

Refer to AXA’s claims centre for all the relevant forms and procedures. For documents required, refer to the travel insurance page.

A claims specialist will review your claim and get back to you. You can also use the MyAXA app to track the progress on your claim.

Conclusion: should you buy AXA travel insurance?

The AXA Smart Traveller plans are quite comprehensive, so I would definitely consider it a premium plan. For the average traveller, the coverage limits and payouts for the usual stuff (trip cancellation, baggage damage/loss, medical expenses) are considered above market rate. Don’t forget, COVID-19 coverage is included in the price too. 

While the COVID-19 coverage might not be the best, for the price, it’s a better option compared to the other plans of a similar price range.

It also helps that AXA is relatively transparent about coverage: Unlike some insurance companies that hide behind fine print, AXA is relatively transparent about what you can and can’t claim. For example, their FAQ states that you can claim for damage to your personal belongings if you drop them, illnesses arising from pregnancy, and delays or cancellation if your travel buddy falls sick.

It’s especially suitable for adventurous tourists. It won’t cover you if you’re doing crazy extreme sports, but in general, as long as your activity is for recreation only and is conducted by a licensed professional, you should be covered.

AXA also has an in-house emergency response team, so should anything terrible happen, help will come swiftly and in a coordinated manner – something that might just save your life if it really comes to that.

The only con is that at its regular price, it’s very expensive. I’d say it’s only worth a look if they’re having a good promotion – like now. If not, the $73 for a week long trip to ASEAN is quite a pinch, especially if you’re used to paying $20 premiums.

AXA also has a fairly tedious claim process. These days, new companies like FWD are making it super easy to file claims online and through WhatsApp. In contrast, AXA’s claim process seems terribly outdated.

Looking to buy AXA travel insurance? Compare all Singapore travel insurance policies by price and coverage first.


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