AXA Travel Insurance

AXA Affin has been long associated with travel insurance.

Known for the AXA Affin SmartTravel insurance plan, the policies are designed to deliver a well-rounded travel protection with areas of coverage such as travel delay, emergency medical expenses, baggage delay, trip cancellation, unlimited emergency medical transportation, car rental excess cover up and more.

Travel Insurance by AXA

Protect yourself & your family against accidents and unexpected events, anywhere in the world

CLICK HERE TO APPLY

What travel insurance plans does AXA offer?

AXA provides only one travel insurance plan - their signature AXA SmartTraveller plan which is then further categorized as below:

AXA SmartTravellerSingle Trip
Classic
VIP
Easy
AnnualGold
Platinum
Easy

Available for both individual and family, the main features of this plan start from trip inconveniences such as travel or baggage delay right up to emergency medical expenses. 

It goes without saying that this will also depend on what plan you opt for.

Do note that the SmartTraveller Easy plan is only available to be purchased over the counter.

Areas of coverage

Not all insurance companies provide coverage for the same countries. AXA separates their covered countries into 3 areas:

Area 1: Australia, Brunei, Cambodia, China (excluding Mongolia, Nepal & Tibet), Hong Kong, Macau, India, Indonesia, Japan, South Korea, Laos, Myanmar (Burma), New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand and Vietnam.

Area 2: All countries worldwide EXCLUDING USA, Canada, Iran, Syria, Belarus, Cuba, Democratic Republic of Congo, North Korea, Somalia, Sudan, South Sudan, Crimea (including Sevastopol), Russia, Ukraine, Zimbabwe and Malaysia.

Area 3: All countries worldwide EXCLUDING Iran, Syria, Belarus, Cuba, Democratic Republic of Congo, North Korea, Somalia, Sudan, South Sudan, Crimea (including Sevastopol), Russia, Ukraine, Zimbabwe and Malaysia.

Features and available coverage

To enjoy the most comprehensive coverage available, AXA SafeTraveller’s Gold and Platinum Annual Plans are hard to beat. For a quick travel insurance plan which covers just the basics on the other hand - SafeTraveller Easy might be your best bet.

Single Trip Travel Insurance Coverage

Single Trip (Personal Accident)
CoverageClassicVIPEasy
IndividualFamily
IndividualFamilyIndividualFamilyInternationalDomesticInternationalDomestic
Accidental deathN/AN/A
Permanent disablementN/AN/A
Child education fundN/AN/AN/AN/A
Single Trip (Medical-related Expenses)
CoverageClassicVIPEasy
IndividualFamily
IndividualFamilyIndividualFamilyInternationalDomesticInternationalDomestic
Medical expenses
Compassionate visitation
Child care benefit

Follow-up medical treatment

N/AN/AN/AN/A
Hospital allowanceN/AN/A
Quarantined cover as a result of pandemic influenzaN/AN/AN/AN/AN/AN/A
Emergency medical repatriation / evacuation
Repatriation of mortal remains
Alternative Medical TreatmentN/AN/AN/AN/AN/AN/A
Single Trip (Travel Inconveniences)
CoverageClassicVIPEasy
IndividualFamily
IndividualFamilyIndividualFamilyInternationalDomesticInternationalDomestic
Baggage loss or damage
Personal documents and cashN/AN/A
Loss of deposit or cancellationN/AN/A
Travel curtailmentN/AN/A
Travel overbooked / misconnectionN/AN/AN/AN/AN/AN/A
HijackingN/AN/AN/AN/AN/AN/A
Missed flightN/AN/A
Rerouted flightN/AN/AN/AN/AN/AN/A
Fraudulent credit card usageN/AN/AN/AN/AN/AN/A
Personal liabilityN/AN/A
Home careN/AN/AN/AN/AN/AN/A
Rental car excessN/AN/AN/AN/AN/AN/A
Ransom due to kidnapping or hostageN/AN/AN/AN/AN/AN/A

Annual Travel Insurance

Annual (Personal Accident)
CoverageGoldPlatinumFamilyEasy
IndividualFamily
InternationalDomesticInternationalDomestic
Accidental death
Permanent disablement
Child education fund
Annual (Medical-related)
CoverageGoldPlatinumFamilyEasy
IndividualFamily
InternationalDomesticInternationalDomestic
Medical expenses
Compassionate visitation
(for hospitalization only)

(for hospitalization only)
Child care benefit
Follow-up medical treatment
Hospital allowance
Quarantined cover as a result of pandemic influenza

N/A
N/A
Emergency medical repatriation / evacuation
Repatriation of mortal remains
Alternative Medical Treatment
Annual (Travel Inconveniences)
CoverageGoldPlatinumFamilyEasy
IndividualFamily
InternationalDomesticInternationalDomestic
Baggage loss or damage
Personal documents and cash
Loss of deposit or cancellation
Travel curtailment
Travel overbooked / misconnectionN/AN/A
HijackingN/AN/A
Missed flightN/AN/A
Rerouted flightN/AN/A
Fraudulent credit card usageN/AN/A
Personal liability
Home careN/AN/A
Rental car excessN/AN/A
Ransom due to kidnapping or hostageN/AN/A
Replacement travellerN/AN/A
Golf / sports equipmentN/AN/A

Exclusions
As with most other insurance companies, AXA does not provide coverage for general exclusions such as losses arising from pre-existing medical conditions, suicide or self-harm as well as alcohol and drugs. Other exclusions include losses arising from:

  • Air travel other than a fare-paying passenger (such as a flight attendant)
  • Extreme activities such as racing, mountaineering, rock climbing, hiking without a licensed guide and any airborne activity such as parachuting and skydiving. 
  • Sports or games where you would receive income or remuneration from

Single Trip Premiums (Classic Plan)

Number of PersonsDestinationLength of StayClassic Plan Premium
IndividualArea 11 - 5RM 17
6 - 10RM 26
11 - 18RM 36
19 - 31RM 43
Area 21 - 5RM 25
6 - 10RM 36
11 - 18RM 53
19 - 31RM 69
Area 31 - 5RM 31
6 - 10RM 49
11 - 18RM 71
19 - 31RM 103
FamilyArea 11 - 5RM 41
6 - 10RM 62
11 - 18RM 91
19 - 31RM 131
Area 21 -5RM 60
6 - 10RM 84
11 - 18RM 125
19 - 31RM 175
Area 31 - 5RM 76
6 - 10RM 116
11 - 18RM 167
19 - 31RM 239

Single Trip Premiums (VIP Plan)

Number of PersonsDestinationLength of StayVIP Plan Premium
IndividualArea 11 - 5RM 35
6 - 10RM 52
11 - 18RM 78
19 - 31RM 98
Area 21 - 5RM 50
6 - 10RM 74
11 - 18RM 112
19 - 31RM 140
Area 31 - 5RM 64
6 - 10RM 96
11 - 18RM 143
19 - 31RM 183
FamilyArea 11 - 5RM 88
6 - 10RM 130
11 - 18RM 195
19 - 31RM 245
Area 21 -5RM 125
6 - 10RM 185
11 - 18RM 280
19 - 31RM 350
Area 31 - 5RM 160
6 - 10RM 240
11 - 18RM 358
19 - 31RM 458

Annual Plan Premiums

Number of PersonsDestinationType of Annual PlanPremium
IndividualArea 1GoldRM 220
PlatinumRM 290
Area 2GoldRM 260
PlatinumRM 338
Area 3GoldRM 320
PlatinumRM 398
FamilyArea 1FamilyRM 599
Area 2FamilyRM 725
Area 3FamilyRM 820

Eligibility
Who is eligible to apply?
You are eligible to apply if you qualify as any of the below. For the annual travel insurance, individuals who are not eligible include students studying overseas and employees under overseas secondment.

  • Malaysian
  • Permanent resident
  • Holder of employment pass or work permit
  • Dependent pass holders

What are the age requirements?

  • Individual: Between 18 - 69 years old
  • Child under Family plan: Between 30 days - 18 years old, or up to 23 years old if studying full-time in a recognised institution of higher learning

Fees and charges
AXA imposes a stamp duty of RM10 for all premiums under their travel insurance plans.

FAQ
Is there a maximum period of cover?
For single trip travel insurance, the maximum coverage period is 190 days. For annual travel insurance, the maximum coverage period is 95 days per trip, with unlimited number of trips within the period of insurance stated in the Certificate of Insurance.

Are there any special coverages?
If you’re looking for special coverages for terrorism, scuba diving, winter sports and natural disasters, you’re in luck as AXA does provide them at an extra premium.

AXA provides only one travel insurance plan - their signature AXA SmartTraveller plan which is then further categorized as below:

AXA SmartTravellerSingle Trip
Classic
VIP
Easy
AnnualGold
Platinum
Easy

Available for both individual and family, the main features of this plan start from trip inconveniences such as travel or baggage delay right up to emergency medical expenses. 

It goes without saying that this will also depend on what plan you opt for.

Do note that the SmartTraveller Easy plan is only available to be purchased over the counter.

Not all insurance companies provide coverage for the same countries. AXA separates their covered countries into 3 areas:

Area 1: Australia, Brunei, Cambodia, China (excluding Mongolia, Nepal & Tibet), Hong Kong, Macau, India, Indonesia, Japan, South Korea, Laos, Myanmar (Burma), New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Thailand and Vietnam.

Area 2: All countries worldwide EXCLUDING USA, Canada, Iran, Syria, Belarus, Cuba, Democratic Republic of Congo, North Korea, Somalia, Sudan, South Sudan, Crimea (including Sevastopol), Russia, Ukraine, Zimbabwe and Malaysia.

Area 3: All countries worldwide EXCLUDING Iran, Syria, Belarus, Cuba, Democratic Republic of Congo, North Korea, Somalia, Sudan, South Sudan, Crimea (including Sevastopol), Russia, Ukraine, Zimbabwe and Malaysia.

Features and available coverage

To enjoy the most comprehensive coverage available, AXA SafeTraveller’s Gold and Platinum Annual Plans are hard to beat. For a quick travel insurance plan which covers just the basics on the other hand - SafeTraveller Easy might be your best bet.

Single Trip Travel Insurance Coverage

Single Trip (Personal Accident)
CoverageClassicVIPEasy
IndividualFamily
IndividualFamilyIndividualFamilyInternationalDomesticInternationalDomestic
Accidental deathN/AN/A
Permanent disablementN/AN/A
Child education fundN/AN/AN/AN/A
Single Trip (Medical-related Expenses)
CoverageClassicVIPEasy
IndividualFamily
IndividualFamilyIndividualFamilyInternationalDomesticInternationalDomestic
Medical expenses
Compassionate visitation
Child care benefit

Follow-up medical treatment

N/AN/AN/AN/A
Hospital allowanceN/AN/A
Quarantined cover as a result of pandemic influenzaN/AN/AN/AN/AN/AN/A
Emergency medical repatriation / evacuation
Repatriation of mortal remains
Alternative Medical TreatmentN/AN/AN/AN/AN/AN/A
Single Trip (Travel Inconveniences)
CoverageClassicVIPEasy
IndividualFamily
IndividualFamilyIndividualFamilyInternationalDomesticInternationalDomestic
Baggage loss or damage
Personal documents and cashN/AN/A
Loss of deposit or cancellationN/AN/A
Travel curtailmentN/AN/A
Travel overbooked / misconnectionN/AN/AN/AN/AN/AN/A
HijackingN/AN/AN/AN/AN/AN/A
Missed flightN/AN/A
Rerouted flightN/AN/AN/AN/AN/AN/A
Fraudulent credit card usageN/AN/AN/AN/AN/AN/A
Personal liabilityN/AN/A
Home careN/AN/AN/AN/AN/AN/A
Rental car excessN/AN/AN/AN/AN/AN/A
Ransom due to kidnapping or hostageN/AN/AN/AN/AN/AN/A

Annual Travel Insurance

Annual (Personal Accident)
CoverageGoldPlatinumFamilyEasy
IndividualFamily
InternationalDomesticInternationalDomestic
Accidental death
Permanent disablement
Child education fund
Annual (Medical-related)
CoverageGoldPlatinumFamilyEasy
IndividualFamily
InternationalDomesticInternationalDomestic
Medical expenses
Compassionate visitation
(for hospitalization only)

(for hospitalization only)
Child care benefit
Follow-up medical treatment
Hospital allowance
Quarantined cover as a result of pandemic influenza

N/A
N/A
Emergency medical repatriation / evacuation
Repatriation of mortal remains
Alternative Medical Treatment
Annual (Travel Inconveniences)
CoverageGoldPlatinumFamilyEasy
IndividualFamily
InternationalDomesticInternationalDomestic
Baggage loss or damage
Personal documents and cash
Loss of deposit or cancellation
Travel curtailment
Travel overbooked / misconnectionN/AN/A
HijackingN/AN/A
Missed flightN/AN/A
Rerouted flightN/AN/A
Fraudulent credit card usageN/AN/A
Personal liability
Home careN/AN/A
Rental car excessN/AN/A
Ransom due to kidnapping or hostageN/AN/A
Replacement travellerN/AN/A
Golf / sports equipmentN/AN/A

Single Trip Premiums (Classic Plan)

Number of PersonsDestinationLength of StayClassic Plan Premium
IndividualArea 11 - 5RM 17
6 - 10RM 26
11 - 18RM 36
19 - 31RM 43
Area 21 - 5RM 25
6 - 10RM 36
11 - 18RM 53
19 - 31RM 69
Area 31 - 5RM 31
6 - 10RM 49
11 - 18RM 71
19 - 31RM 103
FamilyArea 11 - 5RM 41
6 - 10RM 62
11 - 18RM 91
19 - 31RM 131
Area 21 -5RM 60
6 - 10RM 84
11 - 18RM 125
19 - 31RM 175
Area 31 - 5RM 76
6 - 10RM 116
11 - 18RM 167
19 - 31RM 239

Single Trip Premiums (VIP Plan)

Number of PersonsDestinationLength of StayVIP Plan Premium
IndividualArea 11 - 5RM 35
6 - 10RM 52
11 - 18RM 78
19 - 31RM 98
Area 21 - 5RM 50
6 - 10RM 74
11 - 18RM 112
19 - 31RM 140
Area 31 - 5RM 64
6 - 10RM 96
11 - 18RM 143
19 - 31RM 183
FamilyArea 11 - 5RM 88
6 - 10RM 130
11 - 18RM 195
19 - 31RM 245
Area 21 -5RM 125
6 - 10RM 185
11 - 18RM 280
19 - 31RM 350
Area 31 - 5RM 160
6 - 10RM 240
11 - 18RM 358
19 - 31RM 458

Annual Plan Premiums

Number of PersonsDestinationType of Annual PlanPremium
IndividualArea 1GoldRM 220
PlatinumRM 290
Area 2GoldRM 260
PlatinumRM 338
Area 3GoldRM 320
PlatinumRM 398
FamilyArea 1FamilyRM 599
Area 2FamilyRM 725
Area 3FamilyRM 820

As with most other insurance companies, AXA does not provide coverage for general exclusions such as losses arising from pre-existing medical conditions, suicide or self-harm as well as alcohol and drugs. Other exclusions include losses arising from:

  • Air travel other than a fare-paying passenger (such as a flight attendant)
  • Extreme activities such as racing, mountaineering, rock climbing, hiking without a licensed guide and any airborne activity such as parachuting and skydiving. 
  • Sports or games where you would receive income or remuneration

You are eligible to apply if you qualify as any of the below. For the annual travel insurance, individuals who are not eligible include students studying overseas and employees under overseas secondment.

  • Malaysian
  • Permanent resident
  • Holder of employment pass or work permit
  • Dependent pass holders
  • Individual: Between 18 - 69 years old
  • Child under Family plan: Between 30 days - 18 years old, or up to 23 years old if studying full-time in a recognised institution of higher learning

AXA imposes a stamp duty of RM10 for all premiums under their travel insurance plans.