Travel Insurance

AXA Travel Insurance Singapore Review 2018

axa travel insurance singapore review 2018

Clara Lim



Travel insurance plans are so cheap these days that it’s amazing that premium travel insurance like AXA SmartTraveller even exists. My colleague explained it to me perfectly: most Singaporeans who buy cheap basic 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 Price and Coverage

Travel insurance plan AXA SmartTraveller Essential AXA SmartTraveller Comprehensive
Price for one week in… Asia: $54

Worldwide: $76

Asia: $69

Worldwide: $94

Promotion 40% off single-trip plans currently
Medical expenses (overseas) $300,000 $600,000
Emergency medical evacuation Unlimited Unlimited
Personal accident (death & TPD) $250,000 $500,000
Travel delay ($100 every 6 hours) $1,000 $2,000
Trip cancellation $6,000 $12,000
Baggage delay ($200 every 6 hours) $1,000 $2,000
Baggage loss/damage $5,000 $10,000
Adventure activities covered? Yes


AXA travel insurance price comparison

AXA SmartTraveller is soooo expensive! Even after you factor in the current 40% off promo (prices shown are before discount) it’s still pricier than its competitors.


AXA travel insurance coverage comparison

With such high premiums, it comes as no surprise that AXA plans have higher than average limits on emergency expenses. In fact, AXA SmartTraveller Essential is closer to most typical travel insurance companies’ 2nd-tier plans.

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.

More than just claim limits, AXA is also well known for the speed and efficiency of their emergency response, should the worst happen.

AXA covers a wide variety of leisure sports and adventure activities with a few reasonable exclusions. The list of covered activities and their limitations is listed on AXA SmartTraveller’s FAQs.

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


How to make AXA travel insurance claims

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.


Summary: Pros & cons of buying travel insurance with AXA

PRO: Excellent coverage especially for adventurous travellers. The coverage is so good that you get pretty much total peace of mind (even with the lower tier plan) when you do fun stuff like hot air balloon rides and mountaineering.

PRO: In-house emergency response team. Should anything terrible happen, AXA’s emergency response team can help out swiftly and in a coordinated manner – something that might just save your life if it really comes to that.

PRO: 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.

CON: It’s expensive. No two ways about it – you’ll have to pay more for good stuff. AXA SmartTraveller plans are really expensive especially if you’re used to paying $20 to $30 for a typical holiday.

CON: 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 and tedious.


Would you ever pay so much for travel insurance? Share your experiences with us in the comments.

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Clara Lim

I used to be MoneyDumb. I hung out at H&M every day and thought that a $50 lunch set was a good deal. These days, I spend my time researching the crap out of life and trying to maximise utility on micro-decisions. I'm not sure if that's an improvement.