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Get the Best AXA Travel Insurance in Singapore 2023

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Traveling to Thailand 07 Feb 2023 - 09 Feb 2023
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Covers Covid-19
Med. Coverage (Overseas)
Trip Cancellation
Loss/Damage of Baggage
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Review of AXA Travel Insurance Singapore 2023

As the travel insurance services arm of AXA Group which has over 170 years of legacy, AXA Insurance Singapore has been offering plans to cover you, your travel plans and your travel companions since 2015.

With its enhanced SmartTraveller Travel insurance plans that includes its latest COVID-19 extension benefits, you can be insured with up to $700,000 personal accident coverage, claim benefits of up to $10,000 personal belongings reimbursement in situations if your belongings get damaged or lost, and many more.

To get started, here’s a review of AXA Travel Singapore’s range of products and services to help you figure out the most suitable plan as you compare against what other insurers can provide for you.

AXA’s COVID-19 coverage and other key benefits

High medical coverage

In the situation whereby you get injured or diagnosed with a serious life-threatening pandemic illness (including COVID-19), you’ll be able to claim for the necessary and reasonable medical costs incurred within 90 days of your trip up to the limit as specified according to your selected plan, either up to $75,000 (AXA Essential Plan) or $150,000 (AXA Comprehensive Plan).

COVID-19 extension

One of the most important considerations when getting travel insurance now is coverage for COVID-19 and like many insurers, AXA offers its own mix of benefits that covers COVID-19-related claims.

This includes medical expenses, overseas hospitalisation allowance, overseas quarantine allowance, emergency medical evacuation and repatriation, pre-departure trip cancellations and postponement, and trip curtailment or rearrangement losses when being diagnosed with an epidemic or pandemic disease such as COVID-19.

24-hour emergency medical assistance

Be it medical advice and assessment from AAS’ medical team, booking of an urgent medical appointment or emergency medical evacuation and repatriation (including repatriation of mortal remains back to Singapore), AXA’s 24-hour emergency medical assistance team is on standby for you.

All you need to do is call 6322 2566 and provide your full name, dates of trip, NRIC/FIN number, AXA policy number, name of the place and the telephone number that AAS can reach you, as well as the nature of help required and a brief description of the emergency.

Full terrorism cover

At times, any acts of terrorism may cause interruption or cancellation to your trip, but AXA has got you covered for more than just this. You’ll be able to make any necessary claims for losses arising from use of nuclear, chemical and biological substances due to any terrorist events during your trip.

MyAXA app

Enjoy paperless convenience with AXA’s mobile app which allows you to buy your travel Insurance on the go, submit your claims, access your Shield medical card and panel clinics easily, have a quick view of active policies, and more. MyAXA is available for free download now on Android and iOS.

Pros and Cons of AXA Travel Insurance


  • User-friendly mobile app for purchase and claims submission
  • COVID-19 coverage
  • Personal belongings reimbursement
  • High medical coverage
  • Personal accident cover that begins 3 hours before trip departure
  • 24/7 emergency medical assistance for emergency medical evacuation and repatriation
  • Comprehensive terrorism cover
  • Trip interruption or cancellation coverage


  • No automatic extension of cover
  • Travel exclusions for some countries including Afghanistan, Cuba, Crimea, Democratic Republic of Congo, Iran, Iraq, Liberia, North Korea, Sudan, Syria and Venezuela
  • No coverage for pre-existing conditions
  • No coverage for sports played in a professional or competitive capacity; participating in extreme sports (such as big wave surfing, cliff jumping, ultra-marathon)
  • No coverage for any travel involving war, government action or nuclear risks
  • No coverage for pregnancy-related conditions
  • No coverage for travel to seek medical treatment or for treatment of any sexually transmitted diseases

Types of AXA Travel Insurance Plans


Benefits include:

  • Up to $300,000 Medical Coverage
  • Up to $6,000 Trip Cancellation Coverage
  • Up to $5,000 of Reimbursement for Loss/Damage of Baggage
  • $33.72 Premium

With a lower premium that’s easier on the pocket, the Essential plan covers you for the basic medical expenses incurred (including certain costs related to COVID-19), travel inconveniences and personal belongings, emergency medical evacuation and repatriation, personal accident, legal assistance and more.


Benefits include:

  • Up to $600,000 Medical Coverage
  • Up to $12,000 Trip Cancellation Coverage
  • Up to $10,000 of Reimbursement for Loss/Damage of Baggage
  • $46.24 Premium

AXA’s Comprehensive plan provides a more extensive coverage with higher limits. This includes double the amount of medical, trip cancellation and damaged/lost baggage coverage, as compared to its Essential plan. What’s more, you’re entitled to up to $700,000 of coverage for personal accident, as well as up to $1,000,000 for legal assistance coverage.

AXA Travel Insurance Add-ons

Car rental excess

Get up to $2,000 for the damage excess when your rental vehicle is lost or damaged due to an accident overseas.

Pet care

Pet care claims are up to a maximum of $1,500 when your flight back to Singapore is delayed (if it causes you to incur additional kennel or cattery fees for your pet).

Sports equipment

If you’re someone who is into sports, especially golf, AXA provides special coverage for golf equipment which allows you to claim up to $3,500 when your golf equipment is lost or damaged due to theft or natural disaster, when you incur cost to hire the replacement golf equipment and even one round of drinks when you achieve a hole-in-one.

As for other sports equipment, the claim limit is $3,000 when they get lost or damaged due to theft or natural disaster.

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AXA Travel Insurance Claims

How do claims work?

Firstly, you’ve got to be clear of what type of plan you purchased, when did the incident/illness occur (pre-trip, during-trip or post-trip), what belongings or items to claim for, and who are involved, before you make a claim.

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Here are 4 simple steps to submit your AXA travel insurance claim

Step 1

Submit your claims within 5 or 30 days of the incident

Upon returning from your trip, if you need medical assistance due to something that happened during your trip, AXA will ensure you’re covered for medical assistance if you go to the doctor within 5 days of your return. For any other claims concerning that trip, AXA requires these claim reports to be made within 30 days of the incident via the MyAXA app or AXA’s online claims portal.

To do a paper submission, you’ll have to download the editable PDF form for travel claims, and inform your AXA insurance consultant.

Step 2

Prepare all the required documentation

To ensure a quicker and smoother assessment of your claims, you’ll need to provide all documentation that AXA requests so as to provide a full context of the incident. This include:

  • NRIC or FIN No. and other personal information
  • Medical reports and related evidence in the form of photos and/or emails
  • Proof of ownership of baggage or other related items
  • Original invoices and receipts
  • Trip invoices, ticket confrontation, boarding passes, photocopy of passport and visas
  • Police, airline, transport and accommodation reports

Step 3

Review of your claims submission

Once you’ve submitted all the documents required via the MyAXA app or AXA’s online claims portal, you will receive a claim acknowledgement, before AXA proceeds to review and assess your claim.

Step 4

Settlement and payment

An AXA insurance consultant will re-confirm the bank account details provided by you before AXA proceeds to expedite your claims payment process by direct transfer to your bank account.

More Things To Know

AXA Travel Insurance Refunds & Cancellations

To cancel your AXA travel insurance policy, you must provide 7 days’ written notice. If you’re cancelling a single trip policy, you’ll be granted a full refund of the premium as long as the premium is above $25 and no claim has been paid yet. In the case of annual cover, you’ll be refunded based on the unexpired period of insurance and only when the amount to be refunded is at least $25.

AXA Travel Insurance Hotline

For emergency and general queries, you may get in touch with AXA’s travel insurance specialist at 1800-880-4741 (within Singapore) / +65 6880 4888 (Overseas) for general enquiries (9am to 5.30pm on weekdays) or +65 6322 2566 for emergency assistance (24/7). Alternatively, email AXA at [email protected] or visit our Customer Center (#01-21/22 AXA Tower 8 Shenton Way Singapore 068811).

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Frequently Asked Questions

How do I purchase AXA travel insurance while overseas?

Compare all travel insurance plans across different insurers in the market via MoneySmart. Once you’ve chosen your single trip or annual multi-trip travel insurance plan from AXA, you can purchase it online through our portal. Your AXA policy will then be sent to you via email within a few minutes.

I can no longer go on a trip because I have a positive Covid-19 test. Can I cancel my trip and get a refund?

Yes, you can cancel your trip if your policy includes cancellation benefits. It’s best to inform and check with AXA’s claims teams at 1800-880-4741 for more details regarding such situations so as to ensure your claims are processed successfully.

Does AXA travel insurance cover missed flights and flight delay?

Yes, AXA travel insurance policies (single trip, annual and worldwide multi-trip) cover missed flights and flight delays. It’s a basic inclusion, so you’ll be covered even if you purchase a cheap travel insurance plan.

How long do I have to submit a claim after my trip?

Upon your return to Singapore, if you need medical assistance due to something that happened during your trip, you will be covered for medical assistance if you go to the doctor within 5 days of your return. For any other claims concerning that trip, they must be submitted within 30 days of returning to Singapore.

If I buy AXA travel insurance now, does it cover me if I become ill with Covid-19 while I am overseas?

Yes, only if you are not travelling to a destination where advice has been issued against all or all but essential travel by any Government or Regulatory authority, new and existing customers will be covered for emergency medical claims related to COVID-19.

I got quarantined in a hotel abroad as I have Covid-19 symptoms and cannot return home as planned. Will I be able to claim for the additional cost of the room?

Yes, you will be able to claim for this, unless you travelled against Government or Regulatory authority advice. If you have Covid-19 symptoms and it is medically necessary for you to quarantine abroad beyond your return date you will be covered for accommodation costs up to the limit shown in your policy. Any pre-paid excursions or activities purchased prior to your quarantine and which you are unable to undertake will be considered as per the policy limits.

Due to Covid-19 restrictions in the country I was due to visit, my travel operator has changed my trip dates and destination. My original trip was not cancelled and refunded/vouchered. Will the same cover still apply?

Yes. If your transport provider or tour operator moves your trip destination or dates due to the outbreak, then we will class your original booking date as your booking date, and the same terms and conditions will apply. You will need to amend your insurance to reflect your new trip dates and there may be an additional premium for doing this.

Does AXA travel insurance cover pickpocketing?

AXA travel insurance policies cover loss of essential items, personal money and travel documents due to theft. Make sure that you report the incident within 24 hours and file a police report. If you fail to do so, your claim won’t be approved.

Does AXA travel insurance cover pregnancy?

AXA only allows you to claim pregnancy-related illness overseas, such as nausea or giddiness, and overseas medical treatment. However, you won’t be covered if you’re only in your first trimester of pregnancy.

My travel companion was ill due to suspected covid-19 infection on the date of our departure and we were unable to go on our trip. Can I cancel my trip and get a refund?

Yes, that is if you have cancellation peril within your policy’s terms and conditions, you can make a claim under your policy.

If my baggage is damaged/lost/delayed, will I be covered?

Yes, if you are abroad you will receive S$200 every 6hours of the delay. If you are in Singapore this sum will be S$200. However, please note that you will only be covered for one of the cases above: you can submit a damage claim or a delay claim but not both.

Is travel insurance mandatory for Schengen visa?

Yes, nationalities that require Schengen visa must obtain travel insurance for the duration of their trip to Schengen area countries. Your chosen policy must cover medical, hospitalisation and repatriation costs for up to 30,000 euros. It should also indicate your name, travel dates and geographical coverage. Do note that travel insurance coverage attached to your miles credit card is not recognised.

Are there any countries where I don’t get coverage?

Yes, Afghanistan, Cuba, Congo, Iran, Iraq, Liberia, Sudan, Syria and at any time if the Ministry of Foreign Affairs issues a Travel Advisory.

Can I extend my travel insurance while overseas?

Extensions of travel insurance while overseas are usually not allowed by AXA, however you may contact AXA at [email protected] for consideration of your case.