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How to Claim for Your Travel Insurance & Takaful

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Enquire the status of your submitted travel claim

For selected travel claims.

Travel Outpatient Medical Claim: Documents Needed

• Doctor’s Report/Medical Assessment
• Medical Bill and Receipt

Baggage and Personal Effect/Personal Money & Travel Documents Claim: Documents Needed

• Police Report / report issued by the relevant Authority (mandatory)
• Original/Copy Bill of Purchase & Receipt of damaged luggage/personal effects (mandatory)
• Currency Exchange Slips (mandatory)
• Damage Report / Property Irregularity Report issued by airline company
• Photographs depicting the damaged baggage/personal effects

Baggage Delay Claim: Documents Needed

• Written confirmation from the Airlines or agents (mandatory)
• Acknowledgement on the received baggage

Flight Delay Claim: Documents Needed

• Written confirmation from the Airlines or agents on the period of delay (mandatory)
• Original travel itinerary
• New/updated travel itinerary
• Copy of the boarding pass

Trip Cancellation / Curtailment Claim: Documents Needed

• Medical Certificate / Cancellation Invoice (mandatory)
• Copy of Death Certificate
• Certified Medical Report / Letter from Medical Practitioner 
• Weather Report / Notice from airline company on cancellation of the trip due to adverse weather
• Confirmation on refund of flight ticket issued by airline company, hotel and any other pre-booked ticket/journey (Trip Cancellation)
• Original/Copy of Receipt for purchase of new flight ticket and/or other transportation means back to Malaysia (Trip Curtailment)

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#TripSenangHati with TripCare 360 Takaful

With a few months away from saying goodbye to 2023, many of you might be busy planning that year-end holiday. Besides planning a trip that everyone will enjoy, it’s essential to secure a reliable travel protection plan. A good plan like Etiqa TripCare 360 Takaful can help you travel smoothly by covering hassles that may come up during your trip.

#TripSenangHati with Etiqa TripCare 360 Takaful

Your travel plan might be perfect, but things can quickly go out of hand if unexpected events occur. You could be exploring a new city and within the same minute, have your things pickpocketed without even realising it happened! This is when TripCare 360 Takaful comes in. 

The Shariah-compliant TripCare 360 Takaful covers a wide range of inconvenient situations, including flight delays, lost luggage, and medical emergencies. It is available for domestic and international travel, covering the following destinations:

The extent of coverage varies depending on the plan you choose. If you’re travelling abroad, you may choose from three options: Silver, Gold or Platinum, with Platinum offering the most coverage. For domestic travel, there’s only one plan available, offering standard coverage.

Here are some of the benefits you can get with TripCare 360 Takaful . 

#TripSenangHati with Coverage for Travel Inconveniences

There are many travel inconveniences that could disrupt your otherwise perfect plan. Some common examples include:

• Delayed or cancelled flights
• Missed connecting flights
• Delayed, damaged, or lost luggage

With TripCare 360 Takaful , you’ll be compensated for a range of travel inconveniences. Regardless of the plan you choose, you’ll automatically receive RM100 if your flight is delayed by 2 hours. If you get the Platinum plan for your family trip abroad, you’ll get an extra RM250 for every additional 6 hours of delay, up to a total of RM12,500. 

As you may have to bear additional costs due to travel inconveniences, having TripCare 360 Takaful can help you ease the burden. 

#TripSenangHati with Coverage for Your Belongings

While travelling, it’s possible for your belongings to be damaged or stolen, regardless of how careful you are. For example, if your luggage is handled roughly by another person, it could be broken. 

TripCare 360 Takaful covers losses or damages to a range of items, including:

• Travel documents, such as passports and visas
• Mobile phones, laptops, and tablets

If your luggage is lost, the domestic travel plan and Silver plan both offer RM200. Meanwhile, the Gold plan and Platinum plan provide RM800 and RM1,000, respectively.

This coverage also includes theft such as if your bag is snatched from you, or if your accommodation is broken into. With coverage for your belongings, you can travel without worry, knowing your belongings are taken care of. 

#TripSenangHati with Coverage for Medical Emergencies

One of the more important benefits of TripCare 360 Takaful is that it covers a range of medical expenses if you fall ill or meet with an accident during your trip. You’ll be able to seek cashless hospital admission, which means you will not have to fork out cash for any upfront payment. 

In the event of hospitalisation, just call our 24/7 hotline at +603-2785-6565 to get your Guarantee Letter (GL) and be admitted without payment.

Other benefits that you may receive include:

• Daily hospital allowance of up to 20 days
• Reimbursement for follow-up treatments
• Reimbursement for outpatient medical expenses of up to RM3,000 per accident

With the Platinum family plan, you can also claim for alternative treatments, such as physiotherapy and chiropractic by registered practitioners.

With TripCare 360 Takaful covering your expenses during medical emergencies, you can rest easy and focus on getting better. 

#TripSenangHati with Additional Coverages 

TripCare 360 Takaful offers comprehensive coverage for most travel-related incidents. Naturally, there are a few situations that are not covered in the basic plans, such as injuries due to adventurous activities and contagious diseases like COVID-19.

But, this doesn’t mean you can’t get covered. If these are things you’re concerned about, Etiqa has add-on options to expand your coverage to include these items:

Adventurous Activities Coverage

Add-ons are available based on your interests and preferences. So if you’re planning on participating in an adventurous or extreme activity on your overseas trip, get the adventurous activities add-on with your TripCare 360 Takaful plan. This will cover your medical bills and applicable expenses if you get injured while doing extreme activities, just in case.

Among adventurous activities covered include abseiling, bungee jumping, parasailing, skydiving, and ultra-marathons. You will only be covered if you’re an amateur doing the activities for fun. You will also need to be under the supervision of a licensed operator.

COVID-19 Coverage

Most countries no longer require travellers to be tested negative for COVID-19 upon or after arrival. However, COVID-19 is still around us so it helps to have the COVID-19 coverage, in case you catch the virus. 

With the optional COVID-19 coverage, you will be covered for medical expenses and other applicable costs due to COVID-19. 

#TripSenangHati with Easy and Convenient Claims

The last thing you want to worry about while travelling is making takaful claims. With TripCare 360 Takaful , you can easily claim via WhatsApp at +603-2780-4677. 

For instance, you can simply WhatsApp Etiqa’s Claim team to submit a claim for your outpatient medical expenses. Send in your doctor’s report and medical receipt, and the Etiqa team will take care of the rest. 

If you wish to speak with a customer care person, our hotline is available 24/7 at +603-2785-6565, so you can always get help whenever you need. Learn more about our claims process or email your queries to [email protected] . 

#TripSenangHati with 25% Discount Online

Besides extensive coverage, TripCare 360 Takaful also makes a great plan as it offers a 25% discount online. Applying online is easy with four simple steps: 

• Head on over to our website and fill in your travel details. A quote will then be instantly generated
• Fill in your NRIC, personal details, and details of your travel companions
• Select any add-on coverages you need
• Proceed to payment and you’re done!

If you’re worried about the plan’s cost, you can set your worries aside as TripCare360 Takaful is wallet-friendly. For example, the Platinum family plan for a week-long trip to Japan costs around RM144, a great price for a reliable travel protection plan.

Ready to take to the skies? Have a #TripSenangHati with TripCare360 Takaful , and let us take care of the hassles that may come your way.

The information contained in this blog is provided for informational purposes only. It should not be construed as advice on any matter. Etiqa accepts no responsibility for loss which may arise from reliance on information contained in the article. This information is correct as of 13th September 2023.

Travel worry-free for as low as ₱136 and get covered up to ₱100,000 for any domestic destination!

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Travel Insurance Plan

Designed to protect you against unforeseen events while travelling., at a glance.

Travel Assistance Plan is designed to protect you against unforeseen events while travelling. It protects you against flight cancellation, medical emergency, emergency accommodations or vehicle accidents.

Eligibility and Coverage

●   Individuals and families from 0 to 80 years old may avail.

● Additional Covid Coverage for individuals and families ages 0-65 years old available for International Travel only.

● Coverage will start 24 hours before the date of departure and 24 hours after arrival date.

Calculate Your Premium

Total Premium:

Flight Assistance Benefit

Flight Delay

covers the expenses for meals, tours and accommodation in the event the trip is delayed at least six(6) hours.

Trip Cancellation

covers to pay the unused and non-refundable portion of travel, accommodation expenses and tours in case that the insured can no longer proceed with the trip due to unforeseen events indicated in the policy.

Missed Connecting Flight

covers the reimbursement of the expenses incurred due to acts of nature or intervention by the Authorities up to the limit indicated in the policy during the trip.

Baggage Delay

covers the expenses for the purchases of the basic clothing and toiletries in case of the delay of the luggage during the trip minimum of six(6) hours.

Baggage Loss / Damage Airline and other items in safekeeping of a common carrier

covers for loss, stolen or damaged baggage of the insured incurred during the trip indicated in the plan.

Loss of Travel Documents

covers the cost to replace the new Passport or documents as well as the accommodation expenses indicated in the policy.

Trip Curtailment

covers the expenses of the unused portion of the tour or accommodation if the trip needs to be terminated due to the unavoidable events indicated in the policy.

Aircraft Hijack

covers to pay the insured to the delay or interruption (minimum of 12 hours waiting period maximum 10 days as a result of aircraft hijacking.

Medical Assistance Benefit

Hospital Income

covers to pay the assured of a fixed amount indicated in the plan for each day of confinement minimum of 18 hours.

Medical and Hospitalization Expenses

including follow-up treatment covers the payment of hospital expenses in case of medical emergencies during the trip up to the limit indicated in the policy.

Delivery of Medicines

covers the delivery of the medicines prescribed urgently by a doctor to the insured during the trip.

Emergency and Accidental Dental Expenses

covers the necessary emergency dental treatment of the insured during the trip.

Repatriation of Mortal Remains

covers the necessary arrangements for the insured's transport or repatriation of mortal remains to the usual country of residence during the trip in case of death.

Arrangement for Funeral Assistance

provides financial assistance for funeral expenses of the insured's family due to insured's death caused by accident up to the limit indicated in the policy.

Medical Evacuation or Repatriation

covers to pay the transfer or repatriation of the insured to a properly equipped health center or to his/her usual place of residence.

Compassionate Visit

covers the expenses for the transfer of a person chosen by the insured from the usual country of residence in the event that the insured is hospitalized as an in-patient for more than five(5) consecutive days as a result of injury or sickness during the period of the trip.

Other Benefits

Assistance of bail bond payment.

It covers to advance funds on behalf of the insured up to the policy limit.

Personal Liability

It covers the damages and expenses incurred by the insured for bodily injury and property to third parties.

Personal Accident and Disablement

It covers any accidental injuries or death suffered by the insured during the travel.

Child Guard

It covers the expenses for the economy round trip transfer of one immediate family member, having the same country of residence as the insured, to look after the minor during the trip should the insured be hospitalized for more than five (5) consecutive days or is deceased, and accompanied by a minor during the event and if no adult accompanies said minor.

Advance of Money

It covers the assistance to arrange to forward cash up to the limit indicated in the plan in the event of the robbery, loss or stolen of cash or credit cards and accidents.

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In view of the ongoing large-scale demonstrations in Hong Kong , please be advised that wars, with or without prior declaration, and any conflicts or international interventions using force or duress, events arising from terrorism, mutiny or crowd disturbances as well as damage caused during the course of strikes are not covered under our Travel Assistance Plan ( Asia and Worldwide ).

Kuala Lumpur International Airport Terminal 2 (klia2) Info Site

Making an exception, Etiqa to pay KLIA, klia2 flight delay claims

23 August 2019

Customers who have purchased travel insurance or takaful products from Etiqa will be able to claim compensation if their flight was delayed for more than the stipulated number of hours in their policy contract.

This is despite the delay being caused by a systems disruption, which is not covered, at Kuala Lumpur International Airport or klia2.

According to a statement by the multi-channel distributor of insurance and Takaful products, Etiqa’s travel products honour claims for flights which have been delayed as a result of situations such as strikes, adverse weather conditions and mechanical breakdown of the carrier.

“However, delays due to disruptions of airport systems are traditionally excluded from the benefits we offer to our travelling customers, ” it continued.

Nonetheless, it has decided to make an exception in this instance.

Etiqa Insurance and Takaful group chief executive officer Kamaludin Ahmad said while Etiqa was unable to resolve the delays, it was “definitely in a position to alleviate some of the pain”.

“So for these special group of customers who have been affected by the systems disruption at KLIA or klia2 since yesterday, we are making an exception to pay out these flight delay claims even if it’s not covered, ” he added.

Etiqa customers affected can WhatsApp Etiqa at 019-6507931 (available from 9am to 5pm, Monday to Friday) with their IC number, flight itinerary, boarding pass and bank account details for them to be able to disburse the claim benefits.

For enquiries during non-business hours, customers may reach Etiqa at [email protected].

Source: www.thestar.com.my

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Etiqa Travel Insurance: 5 Reasons Why It’s Worth Considering

There is no doubt about the need to sign up for a travel insurance policy when planning a vacation. Though flight trips can be enjoyable, mishaps are always possible. So, it’s best to have coverage to protect you against financial losses.

But more than a dozen brands offer travel policies with different coverage options that can make travellers’ lives difficult. In this article, we will explore Etiqa travel insurance by Maybank and why its worth considering among the many brands.

Etiqa TripCare 360 key selling points

For the uninitiated, Etiqa’s travel plan is called TripCare 360. It provides complete coverage like many brands, so you can travel anywhere with peace of mind. The following five reasons are its key selling points and why it’s one of the most sought-after plans by local travellers.

Cashless medical care 

Etiqa TripCare 360 policyholders benefit from cashless medical care for accidents and illnesses during overseas trips. With just one phone call to Etiqa’s 24/7 hotline, you can be admitted to the nearest hospital without payment.

Etiqa will also provide a Letter of Guarantee to eligible policyholders to assist the process. Under TripCare 360, you can receive up to RM500,000 (maximum of RM1.5 million per family) for medical-related expenses if you’re a Platinum customer.

Protection for loss of valuables 

You are also protected against a range of losses of valuables. This includes loss or damage to your baggage, money, travel documents, personal belongings and home care.

Individual compensation ranges from RM500 to RM5,000. Loss or damage to valuables resulting from theft, mishandling of your property, and more are covered. So, it certainly makes the claims process easier.

Compensation without claims submission

Most policies require that you submit a claim to receive compensation for travel inconvenience. But with Etiqa’s TripCare 360, you will be compensated for flight delays even without submitting a claim.

Policyholders can get RM100 when their flight is delayed for 2 hours without submitting any claim. Every 6 hours after that, an additional RM250 will be given. Platinum customers are entitled to a maximum reparation of RM5,000 per individual and RM12,500 per family.

Additional coverage for amateur sports

If you love adventurous activities but are worried about accidents, you can rest assured, as Etiqa’s TripCare360 covers that too. This travel insurance policy is an all-rounder. It offers coverage for death, permanent disability, and medical treatment for various amateur sports, including but not limited to bungee jumping, sky diving, water sports and rock climbing.

As these activities don’t always end well, protection is key to making up for any possible loss. However, the coverage is only available if you pay an additional premium to your existing policy.

Fast and easy claims

Making claims under Etiqa travel insurance is seemingly easier compared to other policies. You can make quick claims via WhatsApp at +603-27804677 or www.eti.qa/whatsapp. Etiqa’s claims careline and emergency travel helpline operates 24 hours a day, seven days a week, and 365 days a year.

As a renowned insurance provider in the country, it has over 400,000 service providers worldwide and supports 40 languages. You’re never alone when travelling with Etiqa’s TripCare 360. The policy is one of the best and is certainly worth choosing. Visit Bjak now to compare Malaysia’s best travel insurance policies, including Etiqa.

Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!

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The Ministry of Foreign Affairs has put up a travel advisory against non-essential travel to Israel and Palestinian Territories in view of the ongoing conflict. If you have purchased a Tiq Travel policy... Before 07 October for travel to Israel and Palestinian Territories and do not wish to travel at this point in time • You may cancel the trip and file for trip cancellation / trip postponement Before 07 October for travel to Israel and Palestinian Territories and are already in Israel and Palestinian Territories at this point in time • You will still be covered for benefits like Travel Delay, Baggage Delay, Flight Diversion, Trip Curtailment After 07 October for travel to Israel and Palestinian Territories • There will be no coverage as the ongoing conflict is a known event

Travel Advisory

The Ministry of Foreign Affairs has put up a travel advisory against non-essential travel to  Israel  and  Palestinian Territories  in view of the ongoing conflict. If you have purchased a Travel Infinite policy…

Before 07 October 2023 for travel to Israel and Palestinian Territories and do not wish to travel at this point in time • You may cancel the trip and file for trip cancellation / trip postponement

Before 07 October 2023 for travel to Israel and Palestinian Territories and are already in Israel and Palestinian Territories at this point in time • You will still be covered for benefits like Travel Delay, Baggage Delay, Flight Diversion, Trip Curtailment

After 07 October 2023 for travel to Israel and Palestinian Territories • There will be no coverage as the ongoing conflict is a known event

Please note that all claims are subject to Policy terms and conditions.

Before 03 April 2024 for travel to Taiwan and do not wish to travel at this point in time • You may file claim for trip cancellation / trip postponement.

Before 03 April 2024 for travel to Taiwan and are already in Taiwan at this point in time • You may file claim for benefits like Travel Delay, Baggage Delay, Flight Diversion, Trip Curtailment.

On or After 03 April 2024 for travel to Taiwan • There will be no coverage as the ongoing conflict is a known event.

Please note that all claims are subject to Policy terms and conditions.

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Why Tiq Travel Insurance?

More value-added services specially for you, what are the covid-19 add-on coverages new.

We know that you are eager to travel, and we want to ensure that you are well covered against COVID-19.

With our COVID-19 add-on, power up your travel insurance coverage as we cover you comprehensively before you start your overseas trip, during and after you come back to Singapore.

Before your trip

During your trip

After your trip

Benefits are provided in the event if you are diagnosed with COVID-19

Travel delay? No sweat with automated flight delay benefit!

Input your flight details when purchasing

Get paid upon a 3-hour flight delay, even without a submitting claim

Receive payout in your eWallet and encash via PayNow

Watch this video to learn more!

What are Pre-Existing Medical Conditions?

If you have a medical illness or injury before your trip, it may be considered as a pre-existing medical condition. Please note that most travel insurers do not cover claims resulting from pre-existing medical conditions while you're overseas. Thankfully, we do.

Example of pre-existing medical conditions

Non pre-ex plans, view pre-ex plan, don’t worry, we’ll wait for you.

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Frequently Asked Questions

No, your period of insurance must include your entire trip from the date of departure from Singapore to the date of arrival in Singapore.

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This policy is underwritten by Etiqa Insurance Pte. Ltd . This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract. This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the GIA/LIA or SDIC web-sites ( www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg ). Information is accurate as at 18 April 2024.

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Are Your Flights Going to Take Off on Time This Summer?

A record number of travelers will head for the skies this summer, while airlines face boeing aircraft delays and lingering pandemic problems. experts predict what this will mean for your summer travel plans..

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As travelers head out for their summer getaways, they should have backup plans in place for if and when flights go awry.

Photo by EviJanku/Shutterstock

A record 4.7 billion people are expected to travel by air this summer and several factors may converge to create chaos at the country’s airports. A recent report from global travel technology company Amadeus found that “flight disruption remains above historical norms,” and the situation isn’t going to get better any time soon. According to the report, the global airline industry is still struggling with the rapid increase in demand for air travel.

“High summer 2024 travel demand , airlines over-scheduling, and staffing shortages at airports and airlines and the TSA,” can all add up to flight delays, says Tomasz Pawliszyn, CEO of AirHelp , an organization that helps passengers claim compensation for delayed and canceled flights. However, several other factors at play could make the situation even worse. Christina Tunnah, general manager for the Americas at travel insurance provider World Nomads , explains that on top of the other challenges, flight delays and cancellations are increasing because “climate change has resulted in the rise in extreme weather” (which can create a cascade of flight disruptions) and “strikes in some of Europe’s most popular destinations have been a more frequent occurrence.”

Travelers need to be prepared for ‘major travel meltdowns.’

Additionally, “aircraft shortages caused by production issues at Boeing are expected to increase the risk of delays and cancellations as well,” says Daniel Durazo, director of communications at Allianz Partners USA , which sells travel protection.

Travelers are noticing the pinch even before the busy summer travel season begins. According to Jen Moyse, vice president of product at TripIt , a recent survey conducted in March by the travel organization app showed that 48 percent of the 1,800 U.S.-based respondents experienced some sort of flight disruption, such as “having their flight delayed or canceled” in the past six months. This is an 8 percent increase over a similar survey TripIt conducted in 2023, she said.

Airlines and airports are working to minimize disruptions. However, “as the travel industry is still rebounding from the pandemic and now dealing with another major setback due to aircraft being grounded for safety,” travelers need to be prepared for “major travel meltdowns,” Pawliszyn says. After a panel blew off a Boeing 737-9 Max Alaska Airlines plane midflight, safety concerns about Boeing aircraft grounded dozens of planes. As a result of ongoing safety issues, production of some Boeing planes is being delayed. Thus, some airlines have had to scale back the number of flights they can offer this summer and beyond.

Industry experts shared their advice about how travelers can prepare for what could be significant flight disruptions this summer—and how to protect your travel plans when they do.

Get travel insurance

Travel insurance won’t be able to get you to your destination on time, but it can help defray the costs of unexpected delays. If your flight is grounded, extra nights in a hotel, lost deposits on tours, and additional meals can add up quickly. Travel insurance can help, but coverage varies widely between providers and plans. “Some travel insurance policies will cover airline strikes, but won’t cover airline staffing issues,” says World Nomads’ Tunnah. The amount covered varies widely, too. For example, some World Nomads plans will cover up to $2,500 in losses while others cover up to $10,000 in losses.

When it comes to travel insurance, “one size does not fit all,” Moyes of TripIt notes. She recommends choosing a plan carefully to ensure it meets your needs.

Despite the variations, “most travel insurance plans offer protection against flight cancellations, travel delays, and delayed or lost luggage,” Tunnah says. However, if your flight is delayed or canceled, coverage may not kick in automatically. “In all circumstances, the travel insurance provider will require you to seek compensation or a ‘make right’ from the airline first,” she says. That means if an airline offers to cover a hotel room for the night and you turn it down, your insurance plan probably won’t cover the cost of the nicer hotel you prefer.

To get the most out of your travel insurance, document why your flight was canceled or delayed, any compensation the airline offered, and keep your receipts.

How to stay ahead of flight disruptions

The more notice you have about a flight disruption, the more time you will have to adjust your plans. So, you’ll want to stay ahead of the curve and find out about flight disruptions as soon as they are announced. One way to find out about potential delays or cancellations quickly is to download your airline’s app. “We encourage all passengers to download their carrier’s app as soon as they purchase a ticket. U.S. airlines have made significant investments in their mobile apps so they can relay any flight updates such as boarding times, gate numbers, and any other important announcements,” Airlines for America , an organization that represents all of the major U.S. carriers, tells Afar.

You should also download the flight tracking app FlightAware , which can tip travelers off to upcoming changes even before the airline does. For instance, if you see that your flight keeps getting bumped back, you can check FlightAware to find out where your plane actually is. If it seems to be stuck at the previous departure airport, you may want to start looking into alternative flight options as a backup.

How to plan for the unexpected

Given the high potential for flight disruptions this summer, it’s important to be flexible. “Build extra time into your plans to account for potential disruptions if you need to make an event like a wedding or cruise departure” by planning on arriving a day or two early, advises Moyse. She also recommends packing an extra set of clothes, essential items, medications, device batteries and chargers, and additional snacks in your carry-on bags in case you experience delays.

Book strategically

There isn’t a magic formula to ensure your flight won’t be disrupted, but you can plan strategically to increase your chances of getting to your destination on time.

“It’s a great idea to book the first flight of the day, or at least in the morning. This way if your flight is delayed or canceled, you are more likely to be able to rebook the same day. Also, delays are less likely to domino in the morning,” Tunnah says.

Another great way to stack the odds in your favor is to fly nonstop. That way, you only need to worry about one flight being delayed rather than two or more. Getting a nonstop flight “may mean that you have to drive a little further to get to a large airport to avoid a layover” says Tunnah, adding that it could, however, save you time and money in the end.

Although the past does not always predict the future, “you can do a little research on your flight. Go to FlightAware and see how often your particular flight is delayed or canceled,” Tunnah recommends. If your flight has a poor track record of arriving on time, you may want to consider another option.

Know your rights

The U.S. Department of Transportation recently issued new regulations requiring airlines to automatically refund passengers when flights are significantly delayed or canceled. However, because airlines have six months to begin implementing these rules, most passengers won’t be able to get relief under the new rules this summer. (They are slated to go into effect in October 2024, unless the airlines appeal the decision.)

Until airlines are required to implement the new regulations, passengers traveling within the United States have very few concrete rights when it comes to flight disruptions.

“For domestic flights in the U.S., there aren’t any federal requirements so it’s up to the airline as to whether they want to compensate you for a delayed flight,” says Michael Soud , a lawyer specialized in corporate law and cross-border transactions and cofounder of travel blog Travel Insighter . He explained that it’s standard practice for many airlines to rebook passengers or provide hotel rooms and meal vouchers when flights are delayed for several hours or canceled. Some airlines may also give delayed passengers vouchers or miles to use toward future flights.

In fact, the DOT has created an airline customer service dashboard , where you can see what kind of compensation each airline has committed to.

But even though some airlines are willing to provide a lot of support when domestic flights are delayed or canceled, they aren’t legally required to do anything for stranded passengers, Soud says. “The only time the law requires compensation for domestic trips is when you are involuntarily bumped from a flight because an airline has oversold seats,” he says. Which means that the resulting compensation is extremely variable, at least for now.

When it comes to international flights, passengers have more rights, but they may be hard to enforce. Soud notes that the Montreal Convention states that international air travelers have the right to file a claim for reimbursement for a delayed or canceled flight with the airline. However, this isn’t always successful. “If the airline denies your claim, you’ll need to sue them in court to claim reimbursement,” which isn’t worth the hassle for many passengers, he says.

Passengers flying to, from, and within European Union (EU) countries are better protected . “If you’re flying from an EU airport to the U.S. or arriving at an EU airport from the U.S. with an EU-based carrier, you can claim compensation as a U.S. traveler,” Soud explains. Under EC 261/2004 “airlines must compensate you for delays, cancellations, and denied boarding,” he says. The type of compensation depends on how long you are delayed, but Soud notes that fliers’ rights in the EU typically kick in once flights are delayed for two hours or more.

Other countries have also passed laws that grant passengers rights when their flights are disrupted. For example, passengers flying to and from the United Kingdom have rights that are almost identical to those in the EU, according to Soud. If an international flight is delayed or canceled, it’s worth checking the laws of the countries you are flying in and out of to see if you are entitled to compensation—these rules typically govern foreign carriers flying within the governing body’s airspace as well.

Pack your patience

While flight disruptions are at the very least frustrating and at the worst can be costly, stressful, and even somewhat traumatic depending on where you are trying to get to and why, Moyse reminds travelers to “keep in mind the travel industry is still experiencing labor shortages and flight crews, hotel staff, travel agents, and other service workers are doing the best they can” and want to help. “Practicing patience and civility can help you, and fellow travelers, make the most of your trip, even if you do encounter disruptions,” she says, adding, “In the end, don’t let disruptions ruin your trip.”

Open launches new embedded travel insurance offering

Embedded insurance partner open has introduced a new travel insurance offering that includes the ‘smart flight delay’ feature.

Smart flight delay provides automatic lounge passes to customers and up to four companions for all flights disrupted by more than an hour.

The new product also incorporates other existing features offered by Open, including the company’s instant claims technology.

Sam Hoppe, Chief Commercial and Insurance Officer UK at Open, stated that there were more “exciting developments on the horizon in 2024, including instant claims and cash settlements, and a pay with points feature”.

Fellow embedded insurance specialist Cover Genius announced a partnership with Scandinavian Airlines late last year.

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The Ministry of Foreign Affairs has put up a travel advisory against non-essential travel to Israel and Palestinian Territories in view of the ongoing conflict.

If you have purchased a travel infinite policy…, before 07 october for travel to israel and palestinian territories and do not wish to travel at this point in time, • you may cancel the trip and file for trip cancellation / trip postponement, before 07 october for travel to israel and palestinian territories and are already in israel and palestinian territories at this point in time, • you will still be covered for benefits like travel delay, baggage delay, flight diversion, trip curtailment, after 07 october for travel to israel and palestinian territories, • there will be no coverage as the ongoing conflict is a known event, be it a short getaway, business convention or adventure of your lifetime, we’ve got you covered. a simple travel insurance can cushion you from the unexpected. don’t let anything get in the way of your travels..

Our Travel Insurance plans now come with COVID-19 add-on. Should you be diagnosed with COVID-19 before, during or after your trip, we cover you for trip postponement or cancellation, overseas medical, evacuation expenses & more!

Choose from our affordable Travel Insurance Plans to suit your needs

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Introduction to AXA Travel Insurance

• Coverage Options Offered by AXA
• AXA Assistance USA Cost

AXA Customer Service Reviews

Compare axa travel insurance.

• Why You Should Trust Us

AXA Assistance USA Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Travel insurance is important because it can help cover the cost of unexpected medical expenses while you're traveling. It can also reimburse you for lost or stolen baggage, canceled flights, and other unforeseeable problems that may occur while you're away from home.

Simply put, there's a lot to consider.

But not all policies are created equal, and you must understand what you're covered for before you purchase a policy. This article will look in-depth at AXA Assistance USA travel insurance. We'll discuss the costs, coverage limits, exclusions, and more to help you make an informed decision about whether or not this particular travel insurance provider is right for you.

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

AXA Assistance USA is among the best travel insurance companies . It covers the fundamentals of travel insurance, with coverage for trip cancellations, medical expenses, and emergency medical/non-medical evacuation. With three plans, AXA also offers coverage for travelers with various budgets.

It's worth noting that many important add-ons aren't available for AXA's cheapest Silver plan, such as pre-existing condition coverage, rental car add-ons, and Schengen travel insurance. Cancel for any reason coverage is also only available for AXA's most expensive Platinum plan. 

Coverage Options Offered by AXA 

AXA Assistance USA offers three levels of coverage: Silver, Gold, and Platinum. Each plan comes with different protections and varying coverage limits, with the Silver being the most basic option and Platinum offering the most premium coverage.

Some policies might even include added coverage free of charge, such as a waiver for pre-existing conditions , which is free for Gold and Platinum plans as long as you purchase your plan within 14 days of your trip deposit.

Specialized Coverage Options

The plan you purchase will determine which add-ons are available. For example, those with a Platinum plan can add CFAR (cancel for any reason) coverage , allowing you to receive a full refund if you cancel your trip within 14 days of making the initial deposit.

Or, if you want extra protection for your rental car, depending on your AXA plan, you might be able to add a collision damage waiver (CDW). Policyholders with Gold plans can add $35,000 CDW, and those with Platinum plans can include $50,000 CDW.

If you're traveling within the Schengen Territory, which is made up of 27 European countries, you may eligible for Schengen Travel Insurance, which covers you in all 27 countries. This option is only available for Gold and Platinum travelers and coverage lasts up to 90 days.

AXA Assistance USA Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The average cost of travel insurance is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate AXA's coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  AXA travel insurance quotes:

• AXA Silver: $83
• AXA Gold: $107
• AXA Platinum: $127

Premiums for AXA plans are between 2.7% and 4.2% of the trip's cost, well below the average cost of travel insurance. It's also relatively cheap compared to many of its competitors

AXA provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• AXA Silver: $109
• AXA Gold: $128
• AXA Platinum: $153

Once again, premiums forAXA plans are between 3.6% and 3.8%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following AXA quotes:

• AXA Silver: $392
• AXA Gold: $462
• AXA Platinum: $550

Premiums for AXA plans are between 6.5% and 9.2%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to Purchase and Manage Your AXA Policy

The process of purchasing an AXA policy is simple. After obtaining your quote, you'll need to decide which of AXA's three plans you want to buy. When you pay for your plan, be prepared to provide additional personal information, like your birthday, phone number, and address. 

Once you finalize your purchase, you'll have a 10-day free look period, in which you can cancel your policy and get your money back. 

How to File a Claim with AXA Travel Insurance

To file a claim with AXA Assistance USA, head to the claims forms online to find the appropriate form. Once you've filled out your form and gathered the required documentation, you can email them to [email protected] or send them by mail to:

AXA Assistance USA

On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies

P.O. Box 26222

Tampa, FL 33623

If you need assistance when filing claims, AXA's claims office can be reached at 1-888-957-5015 (within the U.S.) and 1-727-450-8794 (outside the U.S.). Office hours are 9:30 a.m.-5 p.m. ET on Thursdays and 8:30 a.m.-5 p.m. ET on all other weekdays. 

AXA's U.S. branch has few reviews on Trustpilot and the Better Business Bureau — just over 20 between the two sites. Its UK branch has over 1,100 reviews, most of which are overwhelmingly negative. However, the quality of AXA Travel Insurance UK isn't necessarily indicative of its U.S. coverage. 

In fact, on SquareMouth, where the majority of AXA U.S.'s reviews, reviews are generally positive. It received an average of 4.22 stars out of five across over 900 reviews. Customers reported that adjusting an AXA policy was easy and the customer service team was responsive. However, reviews on the claims process was more mixed, with spotty communication and long wait times. 

See how AXA travel insurance compares to top travel insurance providers.

AXA Assistance USA vs. AIG Travel Guard

When comparing AXA to Travel Guard , we'll look at the coverage levels from their mid-tier plans, the Silver plan and Travel Guard Preferred plan, respectively.

With Travel Guard Preferred plan, you'll get:

• Trip cancellation coverage up to $150,000
• Trip interruption coverage up to $225,000
• Emergency medical coverage of $50,000
• Coverage for baggage loss, theft, or damage up to $1,000
• Travel delay coverage of up to $800

Comparing those Travel Guard coverages with AXA's Silver plan, you'll see that AXA's coverage limits are a bit higher. With AXA's Silver plan you'll get $100,000 in emergency medical coverage, for example. And the baggage loss coverage limit is up to $1,500.

If you're looking for greater coverage limits, AXA makes the most sense in this scenario. But premiums will also vary based on factors like the traveler's age, trip destination, and trip cost. So you'll have to run your own numbers to make a final decision.

Read our AIG Travel Insurance review here.

AXA Assistance USA vs. Allianz Travel Insurance

Allianz Travel Insurance provides single-trip and multi-trip insurance for travelers who want to go abroad for an extended period of time. And, like with all insurance, the various plans have varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage for $50,000
• Coverage for baggage loss, theft or damage up to $1,000
• Travel delay coverage up to $800

Looking at AXA's mid-tier Silver plan, you'll see that, again, AXA offers more coverage for emergency medical and baggage loss, theft, or damage than Allianz Travel Insurance. That said, if cost is an essential factor for you, you'll have to get quotes using your personal trip information to make an informed decision.

Read our Allianz Travel Insurance review here.

AXA Assistance USA vs. Credit Card Travel Insurance

Already have a great travel credit card, like the Chase Sapphire Reserve or American Express Platinum? Some of the standard coverages, such as rental car insurance, may be included in the card you already have. It's a good idea to research the terms of your credit card's travel protection before purchasing a separate travel insurance policy.

If you're driving to your destination and don't have any non-refundable trip expenses, the coverage from your credit card may be enough. Another time it might work is if you have health insurance covering you while abroad and you're in good health without worrying about possible medical costs.

It's essential to remember that credit card coverage is usually secondary. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Why You Should Trust Us: How We Reviewed AXA Assistance USA

We researched AXA by evaluating its travel insurance plans compared to other plans from the top travel insurance companies. The aspects we looked at included, but were not limited to, different coverage options, claims limits, what is covered, available add-ons, and extra services for policy holders.

What's important when choosing a policy isn't just the price — it's making sure you're getting adequate coverage that meets your needs without breaking the bank. Filing a claim should also be easy and stress-free if you ever have to use your policy.

Read more about how Business Insider rates insurance products here.

AXA Assistance USA FAQs

If you're diagnosed with COVID-19 before a trip and need to cancel, AXA may cover your expenses. Additionally, a COVID-19 diagnosis during a trip may be covered under AXA's medical expense, trip interruption, and trip delay benefits. Be sure to review your policy to ensure coverage details. 

While you may extend your coverage in certain circumstances, such as extended hospitalization, and update your travel dates prior to your departure, you can't extend AXA travel insurance plans while you're traveling. 

AXA's Gold and Platinum plan cover pre-existing medical conditions as long as you purchase your policy within 14 days of your initial trip deposit. AXA's Silver plan does not cover pre-existing conditions and has a 60-day look-back period. 

You can download AXA claims forms on its website and email them to [email protected].

AXA isn't the most flexible travel insurance company and isn't great at specializing, but it offers comprehensive general coverage. Its prices aren't significantly more expensive or cheaper than its competitors.

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