AXA travel insurance Singapore | Travel Insurance for Adventure Lovers

Insurance | Travel Insurance

Travel insurance plans are so inexpensive these days that it’s hard to believe that premium travel insurance like AXA Smart Traveller exists at all. However, there are those who have experienced the trauma of true medical emergencies in other countries. These are the people who recognize the need for adequate travel insurance and are willing to pay a premium for AXA travel insurance Singapore.

AXA travel insurance promotion

The normal AXA Smart Traveller travel insurance rates are exorbitant! Even with the present promotion (30% off single trip plans), it remains on the pricey side. In Asia, one week of coverage will cost around $56.

What is the coverage provided by AXA travel insurance Singapore?

In general, the coverage provided by the AXA Smart Traveller plans is excellent. With such high premiums, it is unsurprising that AXA Smart Traveller policies have greater than normal emergency spending limitations. In fact, the cheapest plan (AXA SmartTraveller Essential) is comparable to the second-tier plans offered by most traditional travel insurance firms. It is also well worth the money when you consider that AXA’s Smart Traveller plans include COVID-19 advantages.

As a result, as compared to comparable policies in the $20 to $30 price range (after discount), it has rather high coverage limitations for items like medical expenditures, personal accidents, and trip cancellations. There’s even limitless coverage for emergency medical evacuation, which is uncommon in lower-tier insurance. Furthermore, if you’re travelling with valuable stuff, you’ll undoubtedly like the high sub-limits on loss/damage to your belongings. For example, if you have the Essential plan, you can claim up to $2,000 in reimbursement for computers, tablets, and phones, and up to $2,500 in reimbursement for lost passports and cash. AXA is also well-known for the quickness and effectiveness with which they respond in the event of an emergency.

Is it true that AXA does not cover risky activities?

Although the policy language for adventure sports exclusions is unclear (excludes activities involving “exceptional speed and height”), appropriate exceptions are specifically specified in the FAQs.

In general, activities are covered as long as they meet the following criteria:

(a) unrestricted access to the broader public
(b) organized by a licensed operator, and (c) held for recreational and non-competitive purposes.

Procedure for filing a claim with AXA travel insurance
Call the AXA emergency assistance hotline at +65 6322 2566 in an emergency.

Online claims: Use AXA’s online form to submit your claim and any supporting papers.

Claims on hard copies: Print the travel claims form and mail it to AXA Insurance Pte Ltd, 8 Shenton Way #24-01 AXA Tower, Singapore 068811, together with your papers. Alternatively, give the bundle to your insurance agent.

Important information: Claims must be submitted within 30 days of your return to Singapore.

All applicable forms and processes can be found at AXA’s claims center. Refer to the travel insurance page for the necessary paperwork.

A claims specialist will analyze your claim and get back to you as soon as possible. You can also use the MyAXA app to monitor the status of your claim

Should you purchase AXA travel insurance Singapore?

Because the AXA Smart Traveller plans are extremely extensive, I would classify it as a premium plan. The coverage limitations and payouts for the normal stuff (trip cancellation, baggage damage/loss, medical bills) are deemed above the market rate for the average traveller. Don’t forget that COVID-19 coverage is also included in the price.

While the COVID-19 coverage may not be the finest, it is a better alternative for the money when compared to other plans in the same price range. It also helps that AXA is relatively upfront about coverage: Unlike some insurance firms, AXA is relatively transparent about what you can and cannot claim.

It is especially ideal for daring travellers. It will not cover you if you participate in insane extreme sports, but in general, as long as your activity is for recreation only and is carried out by a licensed professional, you should be protected. AXA also has an in-house emergency response team, so if something dreadful happens, help will arrive quickly and in a coordinated manner – which could save your life if it comes to that.

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