aviva travel insurance baggage

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Aviva Travel Insurance Review: One Basic Plan to Customize

• Getting a 10% discount for online applications
• Covering insolvency
• Not paying extra for baggage cover

Editor's Rating

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here .

Compare Cheap Travel Insurance

Protect your holiday today. Quick quotes from 20 insurers.

We like that Aviva offers one, basic level of travel insurance, simplifying the purchasing process—this means that consumers don't have to make the (often confusing) choice between different tiers of cover. Unlike most other travel insurance plans, however, Baggage is not included as standard (but can be added for additional cost). With prices in line with market averages, Aviva travel insurance may be a good choice especially if you buy online to secure a 10% online discount—but if you are looking for insolvency cover , you'll need to look elsewhere.

In This Review

• Aviva Travel Insurance Price Comparison

Notable Features

• Policy Limits and Coverage Options
• Comparing Aviva to the Competition

Aviva Travel Insurance Review: What You Need to Know

Aviva travel insurance offers a simple and customizable approach to travel insurance. You can buy either single trip or multi-trip (annual) policies with cover for Cancellation and Emergency Medical, but unfortunately Baggage and Travel Disruption are not included as standard. These features, as well as airspace closure, winter sports, golf, scuba diving and business cover are available to purchase for an extra cost.

Also, note that their standard excess has doubled since before the pandemic, from £50 per person per incident to £100.

Does Aviva Travel Insurance Cover Trips in the UK? Holidays in the UK are covered under Aviva policies, so long as you pre-booked at least 2 consecutive nights of accommodation.

Pre-Existing Conditions: You might get cover with Aviva for pre-existing conditions , but you'll need to disclose and get pre-approval first. Here's when you need to tell Aviva:

• You’ve received advice, medication or treatment for any serious illness, injury or disease in the last 12 months
• You’re waiting for test results for any diagnosed or undiagnosed condition
• You’re planning to stay with someone who has a serious illness, injury or disease

Over 65s: Those over age 65 are eligible for Aviva travel insurance, up to the age of 75 for Annual Multi-Trip policies and 80 for Single Trip policies.

Aviva Travel Insurance Key Points

• One level of cover with add-ons available for an extra cost
• Single-trip cover for trips up to 120 days
• Multi-trip cover for trips up to 31 days (or up to 90 days for an extra charge)
• Upper age limits of 75 for Annual Multi-Trip and 79 for Single Trip
• Optional extras: winter sports, golf, scuba, baggage, airspace closure, travel disruption
• Extended Stay cover available for longer trips
• Insolvency not covered
• Baggage cover not standard but available as an add on
• Prices in line with market averages

Aviva Price Comparison

According to our research, Aviva prices are typically in line with the average cost of travel insurance in the UK marketplace.

While Aviva's basic plans initially appear to be cheap vs. market averages, these basic plans do not include baggage and travel disruption as standard. Therefore we also gathered quotes for plans across geographies (e.g., Europe and America ) including baggage and travel disruption cover. As you can see in the following charts, there is a bit more value found in Aviva's single-trip policies relative to market averages.

Insurance quotes can vary significantly from day to day and according to each individual's details, so please just use the following data for general educational purposes only about the travel insurance market; your quotes may reflect a large degree of variation.

Cost of Add-On Extras

We've also gathered quotes for annual, worldwide policies across geographies for a 30-year-old single male in order to break down the additional premium you might expect to pay with add-on features such as baggage and travel disruption. If you're considering adding on any extra cover, it can be useful to have a rough idea of expected costs. While quotes are likely to vary according to your particular application details, you can get a general idea of travel insurance add-on costs in the table below.

Aviva travel insurance rates with age

As with all travel insurance, rates for Aviva will rise with age—in particular, once people reach ages 60 to 70. The below chart can give you an idea as to how much Aviva travel insurance rates can change with age. As you can see, it's expected that a 70 year old can easily pay 3X the rate of a 30 year old. And that's if they're healthy. Many 70 year olds will pay an even higher amount, if they have pre-existing conditions.

We've combed through the Policy Documents and noted the following feature highlights. Of course, standard features like Medical and Personal Liability are also included on Aviva policies, limits for which can be found below in the Policies . For more complete details and exclusions, please see the policy documents .

Types of Aviva Travel Insurance Policies

Aviva offers Single and Multi-trip travel insurance with optional extras including Baggage, Winter Sports, Airspace closure (e.g., volcanic ash), Travel Disruption, Extended stay (45, 60 or 90 days), Golf, Scuba and Business cover.

Single Trip: Aviva's Single Trip travel insurance covers trips up to 120 days abroad.

Annual Multi-Trip: Aviva's Annual Multi-Trip policies cover trips abroad up to 31 days in length, for travellers between age 16 and 75. (For an extra cost, you can extend the length of covered holidays up to 90 days).

Here is a highlight of some features on Aviva policies:

Aviva Cover Limits (Single & Annual Multi-Trip)^

^For inner limits please see the Policy Wording

Optional Add-On Extra Cover Limits

Please read some of our Travel Insurance Guides if you're trying to decide between Single Trip or Multi-Trip policies, learn about What May Not be Covered by Travel Insurance or decide if you Need Travel Insurance or Not .

How does Aviva Travel Insurance Compare to Competitors?

To better understand the value of Aviva travel insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.

Aviva Travel Insurance vs AXA Travel Insurance

In our opinion, AXA travel insurance offers solid cover for reasonable prices, offering good value for money. Insolvency, Baggage, Cancellation/Delay/Curtailment and Catastrophe are included on all plans.

Bottom Line: If you really want cover for End Supplier Failure and Baggage included as standard, then AXA might be a more comprehensive travel insurance option for you.

Aviva Travel Insurance vs AA Travel Insurance

AA travel insurance is another provider offering good value. In particular, we like their higher-tier Standard plan as it offers higher limits plus includes Abandonment and Financial Failure, may cover pre-existing conditions and you can add extended Travel Disruption protection. Personal Belongings and baggage are covered on all policies, although cover limits may be too low for some travellers. When purchased online, customers can lock in a 20% online discount for the first year.

Bottom Line: If you want a larger online discount, AA offers 20% off to new customers.

Aviva Travel Insurance vs Holidaysafe Travel Insurance

Holidaysafe offers travellers a vast array of Annual and Single Trip travel insurance plans, with varying cover limits to suit most needs. Prices are very competitive and solid value can be found amongst plans that can be customized to cover your particular activities, such as Sailing, Scuba, Mountain Biking, Motorcycling, Golf, Running & Triathlon, Cycling, Marathon and Winter Sports. The Premier Plus plans come in at market average prices, and include financial failure and natural disaster cover.

Bottom Line: If you're looking for customizable travel insurance cover, Holidaysafe offers many options to get the cover you need.

Other Useful Information

• Aviva Travel Insurance Policy Wording

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn .

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Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards that offer varying levels of travel insurance coverage for purchases made with the card.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

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Aviva travel insurance makes sure you’re adequately covered.

Your peace of mind is crucial to make the most out of your trip or travels. It’s great to keep an itinerary handy but let’s get down to the brass tracks to get rid of the looming fear of going facing the unknown. Travel insurance provides much-needed security against unforeseen circumstances by taking care of the monetary aspect of travel. When you make a claim, you would be reimbursed for expenses covered by the policy. A trusted company that caters to the needs of travellers is Aviva.

Aviva travel insurance typically covers medical expenses, trip cancellations or disruptions, lost or stolen baggage, and emergency assistance services while travelling. They also offer different levels of coverage to suit the needs and budgets of customers. There is an option to add additional benefits like coverage for risky sports, delays in travel, damages, and much more. This article will review what Aviva travel insurance covers, what’s not covered, types of policies and their claims process.

Aviva Travel Insurance plans

Aviva Travel Insurance caters to the needs of different types of travellers and their budgets. Here is a list of their main plans:

Single-trip travel insurance

The single-trip travel insurance provides coverage for one trip and is available for up to a year. This is a great option for those that don’t travel often but have an important trip to take. The coverage typically includes medical expenses, trip cancellations or disruptions, and lost baggage.

Annual multi-trip insurance

The annual multi-trip travel insurance Aviva offers extensive coverage for multiple trips within a year, with a limitation of up to 31 days per trip. This option is recommended for those that are constantly on the go. This is an affordable choice for globetrotters, and includes the same coverage as that of a single tip cover, with additional security for travel delays and missed connections.

Optional extra covers:

• Winter sports: This provides coverage for winter sports like skiing and snowboarding. This would typically include cover for medical expenses, gear damage or loss, and piste closure.
• Backpacker: This is a more risky more of travel as leisure is not a top priority. With several things that could go wrong for the backpacker, this plan will cover for medical emergencies, cancellations, and damage to personal belongings. Its extended trip cover goes for up to 18 months.
• Travel disruption: This provides security for cancellations and trip abandonments due to a pertinent authority forbidding the travel or when there are strikes in the destinations due to which transportation gets cancelled. It is also applicable when natural disasters take a toll on the accommodations.
• Airspace closure: If the airport is closed on the date of travel, this extended clever comes into action. It is also applicable when volcanic activity affects travel or when there are no alternatives for transport for more than 24 hours from the time of departure.
• Baggage: This cover will provide insurance for damage or loss of personal belongings of up to  £1,500 per person. However, this is not applicable if the baggage has been left unattended or if the loss was left unreported for 24 hours.
• Golfing: This provides coverage for loss or damage of golfing equipment for up to £1,500 per person. However, this is not applicable if the equipment was stolen from a motor vehicle and left unreported for 24 hours.
• Scuba diving: A standard insurance will cover the diver for up to 15 m in depth but with this additional cover, it is extended to 30 metres. The specifics depend on the policyholder and there will be variations in the details.

Availing of extra coverage is a smart choice to stay ahead of hazardous accidents or incidents.

What’s not covered

Unfortunately, there are instances when Aviva travel insurance won’t provide coverage. They are:

• Cancellations: Unless you’ve taken out the travel disruption cover, Aviva won’t provide coverage for cancellations of trips if the Foreign, Commonwealth & Development Office advises doing so.
• If any event was bound to occur when purchasing a policy that would inhibit you from continuing the travel or affect travel plans.
• If there are costs recoverable from the travel/accommodation provider, or the bank, you’re advised to go to them instead.
• If the mishaps were not a part of any extra covers.
• Activities specifically excluded in the policy wording.
• If problems occur due to documents being out of date.

How the claims process works

Keep your documents ready: A dedicated team is available to help you 24/7 online or over the phone. Keep your policy number handy to start a claim, along with a copy of your insurance documents.

Expert Review: The speciality team will look at the claim and work out how to best help you. They will review the photos or documents you submit as part of the claim, along with receipts for emergencies.

Quick response- When the due process has been followed, they will reach out post-haste to sort things out.

At home or abroad, the Aviva travel insurance team are there for you. Travel insurance is crucial to provide protection against unforeseen circumstances. You can add up to 8 family members or friends on the Aviva travel insurance. Go through the policies to make the best of it and not blindsight you later on. It promises to give you peace of mind while you’re away from home. The insurance will come into action if things don’t go as planned. For more information, visit Tripcolumn.

Also, Read- Avanti Travel Insurance | Tesco Bank Travel Insurance | Travel Insurance with COVID Cover |

Does Aviva travel insurance cover a cancelled flight?

Aviva travel insurance covers you for costs that can’t be recovered anywhere else. If your flight is cancelled, the first thing to do is check with the airline to find out what options are available. If all costs cannot be recovered, they will look into your circumstances and see if there is help available.

Does Aviva travel insurance cover strikes? 

In case of flight cancellations, contact your airline first or travel agency. If you’ve added the Travel Disruption cover, you might be covered for cancellations due to strikes. This will ultimately depend on when the strikes were announced, the time of booking, and the time of purchasing the insurance. If the strikes we announced to take place in the media, you won’t be covered.

Will the insurance cover missed flights due to delays at the airport?

No, you won’t be covered for missed flights due to delays at or by the airport. Contact your airline or travel provider to see what options are available for you.

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Aviva Travel Insurance Review

Everything you need to know before you buy travel insurance from Aviva!

The experts say:

What aviva customers are saying right now:.

• 💰 Clear instructions and lots of opportunities to upgrade the policy with competitive premiums
• 📱 Easy online application and no charges to make any changes to policy as via online portal
• 📘 Lots of information available on their online portal
• 😊 Renewal prices have been cheaper than the previous years price
• ✅ Free legal cover included in the policy
• 😡 Very slow to respond to claims
• 😤 Appalling customer service with lengthy wait times
• 😡 Unhelpful staff and difficulty accessing documents

Aviva customer reviews summary

Aviva travel insurance has been getting mixed reviews from customers. Whilst some people have praised the competitive premiums and easy online application process, others have complained about slow response times, long waits on the phone and poor customer service. Overall, Aviva seems to have a lot of room for improvement in their customer service but they offer some attractive premiums. Score: 4/10

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Singlife with Aviva Travel Insurance Review: Covid-19 Cover, SAF MINDEF Promotion

The name “Aviva” rings a bell in the minds of all Singaporean men, since they provide you with life insurance when you’re doing National Service.

Your NS or reservist days might be behind you, but you still need to rely on Aviva if you decide to purchase their Singlife with Aviva travel insurance when you go on overseas holidays.

Despite the fact that Aviva already makes loads of money from MINDEF, Singlife with Aviva Travel Insurance is actually a well thought-out product that offers good value for money.

Let’s have a look at how the plan measures up.

• Singlife with Aviva Travel Insurance: Summary
• Singlife with Aviva Travel Insurance
• Singlife with Aviva Travel Insurance Covid Cover
• Singlife with Aviva Travel Insurance Extreme Sports
• Singlife with Aviva vs AIA Travel Insurance
• Singlife with Aviva Travel Insurance Promotion
• Singlife with Aviva Travel Insurance Claim Review
• Should I buy Singlife with Aviva Travel Insurance?

1. Singlife with Aviva Travel Insurance Summary

Singlife with Aviva travel insurance comes in three iterations:

• Travel Lite – Up to $250,000 of overseas medical expenses
• Travel Plus – Up to $2,000,000 of overseas medical expenses
• Travel Prestige – Unlimited overseas medical expenses

You can also buy single-trip insurance for trips of up to 182 days or annual multi-trip insurance for unlimited trips within a year of up to 90 days per trip.

2. Singlife with Aviva Travel Insurance: Coverage

As mentioned previously, Singlife with Aviva travel insurance comes in three tiers—Travel Lite, Travel Plus and Travel Prestige.

Here’s a summary of the plans’ key benefits and coverage.

At a glance, the medical and travel benefits are quite generous compared to what’s being offered by competitors like AXA and DBS , particularly because the higher tier gets you unlimited medical expense claims.

Our main gripe is that you have to purchase an add-on to get coverage for outdoor/adventure activities. But if the riskiest thing you plan to do is to binge on local cuisine, you should be fine.

3. Singlife with Aviva Travel Insurance Covid Coverage

The Singlife with Aviva Travel Insurance policy comes with Covid-19 cover, as well it should, because almost all insurers now offer it.

Here are the details:

As far as Covid-19 benefits go, these are pretty decent.

First of all, they’re automatically included and do not need to be added on like with some plans, notably FWD’s travel insurance . Second, the claim amounts are decent, although they are not as generous as those given by some premium plans like MSIG’s .

Total Premium

FWD Business

[ Win a Rolex, Samsonite Luggage & More!   | MoneySmart Exclusive]      • Enjoy 25% off your policy premium • Get S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased. T&Cs apply.      BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly     Increase your chances of winning when you refer friends  today. T&Cs apply    PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  T&Cs  apply.

Key Features

Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD SG app!

Add on coverage for COVID-19 available for both Single & Annual Trips for travel period of 90 days or less.

Optional add on coverage available when your trip is cancelled for any reason for Single Trips. (To be purchased within 7 days of your initial trip deposit for your trip).

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$100,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

4. Singlife with Aviva Travel Insurance Extreme Sports

Bad news, adrenaline junkies. The basic plans exclude anything classified as a dangerous sport or leisure activity.

Here’s whether you’ll be covered for various outdoor activities:

Going to Turkey for a hot air balloon ride or to New Zealand for a scenic helicopter ride? You’re in the clear and will be covered.

However, if you want to ski, scuba dive or jet ski, you’ll have to purchase an optional add-on for winter or water sports.

5. Singlife with Aviva vs AIA Travel Insurance

Let’s compare the Singlife with Aviva Travel Insurance plan with AIA Around the World Plus (II), one of their key competitors.

Comparing the main benefits of Singlife with Aviva and AIA’s plans, it looks like Singlife with Aviva’s offers better value for money!

The cheapest plan from Singlife with Aviva is cheaper than AIA’s but offers similar basic benefits.

6. Singlife with Aviva Travel Insurance Promotion

All MINDEF, MHA and POGIS policyholders (as well as their family members) get 43% off Singlife with Aviva travel insurance.

What’s more, until 31 August 2022, you can shave 18% off the price of single trip travel insurance purchases with promo code TRAVEL18.

By the way, the MINDEF discount applies to immediate family members (parents, siblings, wives, kids) too. So, if your dad or brother or husband is a policyholder, you can get them to buy travel insurance for you…

If you want to find out more about Aviva’s voluntary insurance for NSmen , we’ve written about it here. It’s actually a very, very good deal.

7. Singlife with Aviva Travel Insurance Claim Review

The Singlife with Aviva plan was only launched this year, so there isn’t much information from pleased/peeved customers on the claims process.

But there have been some murmurings on the internet that the claims process takes a long while to complete.

Singlife with Aviva Travel Insurance Emergency Hotline: +65 6460 9391 (24 hour)

Singlife with Aviva Travel Insurance Online Claims : Submit  here

Singlife with Aviva Travel Insurance  Claims: If you need to mail the original supporting documents (write down your policy number) to Singlife with Aviva, this is the mailing address:

Singlife Travel Insurance Claims Singapore Life Ltd. 4 Shenton Way #01-01 SGX Centre 2 Singapore 068807

Singlife with Aviva Travel Insurance  Claims Due Date: Claims must be made within 7 days of the event or incident. Notice the rather short time frame – the industry standard is 30 days. This is not one for procrastinators!

Singlife with Aviva Travel Insurance  Claims Settlement Time: Singlife with Aviva will acknowledge your claim via email or phone call within 2 working days. If they need further clarification they will follow up within 7 working days. You can also call Singlife with Aviva’s customer service hotline at +65 6827 9933 to follow up.

8. Should I buy Singlife with Aviva Travel Insurance?

Overall, the Singlife with Aviva Travel Insurance Policy is a pretty solid one that offers good value for money.

Its main flaw is that it does not offer coverage for most extreme sports or outdoor activities, so you’ll have to purchase an add-on for that ski or dive trip.

So, if you’re a thrill-seeker, look elsewhere!

Still shopping for travel insurance ? Compare all the best travel insurance plans in Singapore here.

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Raffles Credit Pte Ltd is a licensed moneylender (License No. 40/2024) listed in the Registry of Moneylenders , under the Ministry of Law in Singapore.

5 Best Travel Insurance in Singapore with Covid-19 Coverage

• Raffles Credit Team
• May 24, 2023
• Financial Services

Gone are the days when your biggest worry was losing your luggage. These days, there are new potential travel setbacks you need to prepare for, such as flight disruptions related to Covid-19 – whether it’s an infection or a trip cancellation. As such, safety and protection have taken on an even greater importance.

One vital aspect of travel preparation that’s more relevant now than ever is travel insurance. It’s not just about covering trip cancellations or lost luggage anymore; it now includes Covid-19 coverage. This is essential since unforeseen circumstances, including sudden illness, trip cancellation, or travel restrictions due to Covid-19, could lead to significant financial loss. Additionally, medical expenses for Covid-19 treatments abroad can be exorbitantly high.

Comprehensive travel insurance with Covid-19 coverage provides an essential safety net, covering you from such financial risks. We have curated a list of the best travel insurance in Singapore so you can pick the most suitable plan for your needs.

COVID-19 Travel Insurance Coverage

A Covid-19 coverage inclusion in travel insurance plans is relatively new, and it will vary from one insurance provider to another. That said, when choosing a travel insurance plan, you need to make sure that you are adequately covered for scenarios related to the ongoing pandemic. Here are some key aspects of COVID-19 coverage you should consider when purchasing travel insurance:

• Medical costs incurred abroad: In the event you contract COVID-19 while overseas, the cost of your medical treatment can quickly escalate. COVID-19 coverage will help you claim for the necessary and reasonable overseas medical costs incurred, reducing any financial strain.
• Overseas hospital cash allowance or quarantine overseas: A good travel insurance policy will provide a daily cash allowance or cash benefit for each day (up to 14 days) you are hospitalized or quarantined due to Covid-19.
• Emergency medical evacuation and repatriation: This is another fundamental feature of any COVID-19 coverage plan. You will be compensated for the costs incurred in case you may need to be evacuated to a better-equipped facility or be repatriated back to your home country for treatment.
• Cancellation, rescheduling, or interruption of the trip: The dynamic nature of the pandemic means travel plans can change rapidly due to government-imposed travel restrictions, personal illness, or the illness of a close relative. Your travel insurance should provide coverage if you need to cancel, reschedule, or cut short your trip due to COVID-19-related issues.
• Allowance for early return home: If a close relative contracts COVID-19 or if the situation at your destination becomes unsafe due to the pandemic, you may need to return home earlier than planned. A travel insurance plan with COVID-19 coverage can refund extra travelling costs as well as the cost of the unused day(s) of accommodation.

Top 5 Travel Insurance Companies in Singapore With COVID-19 Coverage

1. FWD Travel Insurance

Established in Singapore in 2016, FWD Travel Insurance is one of the best travel insurance providers that offers COVID-19 coverage. It leverages technology to deliver products and excellent customer experience. It offers three tiers of travel insurance plans with different levels of coverage.

Its COVID-19 coverage is an add-on benefit that is available for customers who purchase Single Trip plans (up to 90 days) or Annual Trip plans (up to 90 days per trip).

COVID-19 Coverage Details:

• Overseas medical expenses: S$200,000 to S$1,000,000
• Trip cancellations or disruptions: S$5,000
• Overseas quarantine allowance: S$50/day up to 14 days
• Emergency repatriation: up to S$200,000

Premium (for a 7-day trip to ASEAN destination, before promo): S$32.40 to S$63.60 (Add S$15.45 for COVID-19 coverage)

Benefits Offered:

• Overseas medical expenses
• Theft or damage to your personal belongings
• Baggage delay
• Travel delay
• Liability for harm or damage you accidentally cause
• Automatic travel insurance cover extension

Policy Options: Single Trip, Annual Multi-Trip, Family Plans

“The FWD app was easy to use and the application process for my flight delay was simple, just needed my flight itinerary. Within a few days, the reimbursement was transferred via PayNow!” –  Joanne Chua

2. HL Assurance Travel Protect360

A member of the Hong Leong Group, HL Assurance provides a wide range of insurance policies, including travel insurance. The HL Assurance’s COVIDSafe Travel Protect 360 plan offers three tiers of plans – Enhanced, Superior, and Premiere. Thanks to its relatively affordable pricing and decent coverage, it is a good option for a single trip or annual multi-trip.

Note that their Basic Plan does not include Covid-19 coverage.

• Overseas medical expenses: S$50,000 to S$200,000
• Trip cancellations or disruptions: S$1,000 to S$3,000
• Overseas quarantine allowance: S$50/day to S$150/day up to 14 days
• Emergency repatriation: Unlimited for Enhanced, Supreme, and Premier

Premium (for a 7-day trip to an ASEAN destination, before promo): S$79 to S$135

• Overseas medical coverage
• Loss or damage of baggage
• Personal accident
• Flight diversion

Policy Options Available: Single Trip, Single Trip (Family), Annual Multi-Trip, Annual Multi-Trip (Family) with four tiers – Basic, Enhanced, Supreme, and Premiere plans

“Seamless transaction with the proper coverage for me to enjoy my trip with ease of mind. I have decided to change my plan prior to my departure and contacted Customer Service for assistance. I was being guided and advised professionally and ethically.” – Lan PetJubz

3. MSIG TravelEasy Travel Insurance

MSIG Singapore is a member of the MS&AD Group which is one of the largest general insurance groups. It boasts extensive group-wide expertise to provide the highest standards. Among their insurance policies is the MSIG TravelEasy Insurance plan.

It offers comprehensive coverage with over 50 benefits and protects you from losses due to travel cancellations, flight delays, overseas medical expenses, and more. One of the key features of this insurance plan is that the COVID-19 travel insurance coverage is automatically included for Single Trips and Annual Plans. No need for add-ons!

• Overseas medical expenses: S$75,000 to S$250,000
• Trip cancellations or disruptions: S$3,000 to S$5,000
• Overseas quarantine allowance: S$50/day to S$100/day up to 14 days
• Emergency repatriation : S$1,000,000
• COVID-19 trip postponement: S$500 to S$1,500
• Loss or damage to baggage
• Trip delay or cancellation
• Emergency medical repatriation
• Stolen travel documents

Please visit MSIG for full information about the benefits of each plan.

Policy Options Available: Standard Plan, Elite Plan, and Premiere Plan

“Called to verify some insurance I received. My call was patched thru way faster than I expected. Kudos. The agent was clear, to the point, and knowledgeable. Overall, my inquiry was taken care of quickly and to my satisfaction. Excellent service.” – Jeff Wang

4. Singlife with Aviva Travel Insurance

One of the most popular insurance companies in Singapore, Singlife with Aviva provides a wide range of insurance policies ranging from life insurance to car insurance to travel insurance. They also offer some of the most affordable coverage for travelers that starts at S$39.77.

The Singlife Travel Insurance provides protection for a single trip or annual multi-trips with three tiers: Lite, Plus, and Prestige. Its insurance plan also comes automatically with COVID-19 coverage.

• Trip cancellations or disruptions: S$500 to S$2,000
• Emergency repatriation: S$30,000 to S$500,000; Unlimited for Prestige Plan

Premium (for a 7-day trip to an ASEAN destination, before promo):   S$39.77 to S$78.68

• 24/7 emergency travel assistance
• Loss of frequent flyer points
• Loss of baggage
• Accidental death and disability
• Overseas emergency medical expenses
• Personal liability
• Trip interruption

Please visit Singlife with Aviva for full information about the benefits of each plan.

Policy Options Available: Travel Lite, Travel Plus, Travel Prestige

“So far so good! Happy with the 2 savings policies I have with Aviva as I feel the returns are competitive. Out of convenience, I also tend to use Aviva for travel insurance whenever I travel – the purchase process is very simple and straightforward.” – Yvonne Yeo

5. DBS Chubb TravellerShield Plus

Another popular travel insurance brand in Singapore, DBS makes it convenient for their clients to purchase. It is offered by one of the major banks in Singapore – DBS, and underwritten by Chubb Insurance Singapore Limited. This is important to note in case of claims.

The TravellerShield Plus policy comes in three tiers: Classic, Premier, and Platinum plans. Additionally, it comes with comprehensive COVID-19 coverage. 

Note: The TravellerShield Plus is different from DBS’ free complimentary travel insurance provided to credit card members. 

• Trip cancellations or disruptions: S$2,500 to S$7,500
• Overseas quarantine allowance: S$100/day – the maximum amount will vary per plan
• Emergency repatriation: S$50,000 to S$200,000
• Early return home: S$2,500 to S$7,500

Premium (for a 7-day trip to an ASEAN destination, before promo):  S$75 to S$122

• Trip cancellation
• Emergency medical evacuation

Policy Options Available: Classic, Premiere, Platinum plans

“Extremely good service from Chubb during my recent claim, which was settled without argument (in fact they gave me advice to claim more than my initial claim – ethics is alive and well!).” – Bruce Ford

To Summarize

Who is the best company to get travel insurance.

The best travel insurance company will depend on your specific travel needs, budget, and the type of coverage you are looking for. For instance, if you are looking for travel insurance with an automatic COVID-19 coverage inclusion, you may want to consider getting the MSIG TravelEasy Travel Insurance plan. Its premium starts at S$61 which falls within the mid-range yet it offers comprehensive benefits and coverage.

However, if you are looking for the cheapest travel insurance plan, you may want to look into Bubblegum’s insurance plan with a premium of S$28.85. It isn’t included in the list above since it is a newcomer in the insurance industry. However, its travel insurance policy comes with COVID-19 coverage of up to S$65,000 for coronavirus-related medical expenses, up to S$1,400 in hospital cash, and S$5,000 compensation for a canceled trip.

Is FWD Travel Insurance Easy To Claim?

FWD Insurance is known for its user-friendly online platform and streamlined claiming process, which many customers in Singapore appreciate. With a 4.5-star rating on Google Reviews, customers are raving about their wonderful experiences.

Here’s a general process for claims:

• You can claim online in minutes by signing in to your FWD Online Services.
• Make sure that you have all the necessary documents to support your claim, including medical reports, receipts, police reports, etc.
• Keep a copy of all original supporting documents, as you may need to provide them later.
• Submit your claim.

Some customers said that the process was simple and efficient. Plus, their agents keep their clients up-to-date by providing information about the next steps they should take, the status of their claims, and overall making sure that the clients know what is going on.

Make the most out of your travels without worrying about potential mishaps by getting a comprehensive travel insurance plan. And with the ongoing pandemic, it is smart to get a policy that comes with COVID-19 coverage to protect yourself and your family against financial losses.

Key Takeaways:

• COVID-19 coverage will provide financial assistance to cover costs incurred due to coronavirus-related trip cancellations, medical expenses, quarantine, and more.
• Some travel insurance providers, such as FWD Travel Insurance, offer COVID-19 coverage as an add-on benefit. However, there are insurance companies that already offer travel insurance plans with COVID-19 coverage inclusion.
• When making a claim, make sure that you have all the necessary documents to support your claim, including medical reports, receipts, police reports, etc.

Need extra funds for your travel needs? Raffles Credit offers a quick and hassle-free instant payday loan application for when you’re short on cash. We offer low-interest rates and fast cash disbursement . Apply now!

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International travel insurance: compare and pick the best option

If you are planning to get an international travel insurance, but you don't know what to choose, read this article and find the best option!

December 11, 2023

In this article

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Plans that may interest you

If you are looking for international travel insurance and are unsure what to choose, keep reading this post. We will help you solve the most frequently asked questions about the best insurance to travel abroad. We will also give you special recommendations to help you make the best choice.

What is international travel insurance?

International travel insurance is a coverage policy that protects you against unexpected situations that can happen at any time while traveling abroad.

Some of these situations are medical emergencies, lost luggage, trip cancellation, legal problems, and general issues related to your health, safety, and finances . So when traveling, it’s better to stay protected by having access to proper travel insurance.

Why do you need international travel insurance?

The main reason why you need international travel insurance is to help your peace of mind . Anticipating risk situations is the best decision to have the support you need in case of any emergency or unexpected problem.

Also, in countries such as Switzerland, the United Kingdom, Portugal, Paraguay, Israel, the Netherlands, Hungary, France, Greece, Spain, Ecuador, Chile, Cuba, Belgium, Germany, Argentina, Italy, Bulgaria, and Denmark (among others), travel insurance is a mandatory requirement to enter the country , so this choice will be even more important.

Also, travel insurance is a main requirement for people who are traveling as Digital Nomads . Therefore, it’s better to stay protected whether you are traveling to meet a country or if you are traveling to work remotely while meeting a country.

What should international travel insurance include?

International travel insurance must meet basic requirements, including medical coverage; medical repatriation in case of emergency or death; economic compensation in case of trip cancellation; remuneration in case of damage, theft, or loss of luggage; and legal assistance to name a few examples.

Important coverage of travel insurance

According to the basic aspects that we mentioned before, international travel insurance must include:

• Medical assistance: Covers medical, hospital, and surgical expenses in case of emergency or accident.
• Flight delay or cancellation: Compensation for flight delay or cancellation.
• Loss of luggage: Economic compensation in case of damage, theft, or loss of luggage.
• Civil liability: Legal protection and financial coverage in case of damage to third parties.
• Legal assistance: For situations requiring legal advice or assistance in another country.
• Repatriation: Transportation of sick or deceased people to their country of origin or residence.

Special travel insurance coverage

After considering the basic aspects, you can consider getting additional insurance coverage, such as:

• Accompaniment of relatives: Coverage for the stay of a companion in the hospital.
• Adventure activities or extreme sports: Specialized medical care, transfers, and financial compensation, if your trip includes risky activities.
• Coverage for COVID-19: Expenses for illness, medical emergencies and repatriation.

All these benefits and coverages may vary depending on the insurer you choose, the type of policy you purchase, and your budget.

How to choose the best international travel insurance?

The best international travel insurance is the one that offers you a good balance between the coverage you need abroad, price and rates, and the guarantees offered by the insurance company.

So, to check these three factors, you will need to look for various alternatives, then review the details of each proposal; and finally, make comparisons to determine which is the most convenient option for your trip before choosing cheap insurance.

Step 1: Make a list of your travel needs

Here, you must include the destination country, the days of travel, define if you will travel alone or with someone, if so, the ages of those traveling with you, and if they have pre-existing medical conditions.

Also, you should take into consideration the activities you plan to do in the available budget. With this information, you will be able to identify the needs of the trip and the coverage that your international travel insurance should include.

Step 2: Look for different options

Currently, the main options on the market come with Allianz Travel, Travel Guard, and Aviva insurance for travelers. But, of course, people will find multiple travel insurance on the internet, so we recommend you choose at least three proposals to compare their characteristics, prices, and benefits.

It’s also important to check out opinions from other travelers regarding their experiences with these companies. The better the opinions are, the easier it will be for travelers to choose which insurance to take.

Step 3: Know the limits of coverage and possible exclusions

The particularities of travel insurance are the coverage limits and possible exclusions of each policy.

This is where you will know which international travel insurance is best for you, so you should review each company’s terms and conditions before making any decision.

In some cases, where you are traveling will also be considered; remote destinations like Australia could have problems when requesting travel insurance. If you plan to visit this destination, don’t forget to use an Australian eSIM to stay connected

Step 4: Compare and choose

Once you get all the information we mentioned before, you can choose the option that best suits your needs. You may also have several questions, so it is best to contact the customer service team of the insurance company you chose to help you solve them on time.

How much does basic international travel insurance cost?

Now that you know how much international travel insurance can cost, we have listed some proposals from some of the best-known insurance companies in countries such as the USA, Australia, and the United Kingdom.

Budget – Allianz Travel insurance

• Type of trip: Vacation
• Duration: 7 days
• Country of origin: USA
• Destination country: England/ Australia
• One trip basic: $94 / traveler

What does Allianz travel insurance include?

Advantages of allianz travel insurance.

• Medical Assistance and Transportation
• Lost luggage and delay
• Trip delay, cancellation, or interruption
• 24-hr Hotline Assitance
• Worldwide support

Budget – Travel Guard travel insurance

• Destination country: Australia/ United Kingdom
• Essential rate: $62 / traveler

What does Travel Guard travel insurance include?

Advantages of travel guard travel insurance.

• Luggage, Property, and Travel Documents
• Trip cancellation, interruption, and delay
• Travel Medical Coverage and Care
• Travel Assistance Services
• Optional car Rental

Budget – Aviva travel insurance

• Country of origin: United Kingdom
• Destination country: USA
• Single trip cover: $75 / passenger

What does Aviva travel insurance include?

Advantages of aviva travel insurance.

• 24-hour helpline
• Replacement of essential items if baggage is delayed more than 12 hours.
• Missed international departure coverage
• Unrecoverable travel and accommodation costs if you have to cancel or abandon your trip
• You can pay and register through the website.
• Other optional coverages could be included.

How to contact international travel insurance?

Today, many insurance companies let you contract international travel insurance from their website. You just need to choose the best insurance company for your trip, answer the questions, and fill in the fields requested on the website:

• Select the country of residence.
• Destination Country.
• Start and end date of the trip.
• Number of travelers.
• Click calculate the price.
• Option to compare different offers.
• Click on the “hire” button.
• Follow the online purchase process.
• Fill in your personal information.
• Enter the payment method.
• And that’s it!

You will immediately receive an email with the details of your new international travel insurance . It includes detailed information with all the coverage and service channels to receive assistance anytime.

You may be interested in the best apps to travel around the world .

Recommendations for choosing a good travel insurance

Suppose you want to travel with peace of mind. In that case, it is essential to plan your trip beforehand because this way, you make sure you buy the tickets on time, book accommodation, take your travel backpack with what you need, and prepare your travel documents and other vital matters such as finding an eSIM with mobile data to get internet and contract the best international travel insurance.

So, to make a great choice, follow the four steps we mentioned. But also, make sure you don’t get cheap travel insurance with excess or in exchange for high out-of-pocket and deductible amounts because, in the end, you’ll be paying for the unexpected bills yourself.

On the other hand, choose an insurance that adapts 100% to your travel needs . Each traveler is different, and it is not the same to take out a policy for temporary trips than a long trip, as is the case with backpackers or digital nomads.

Finally, consider policies that include early cancellations because, as you know, there are unexpected situations that force you to cancel your travel plans at any time. That way, you’ll receive a reimbursement for lost airfare and reservations.

Frequent questions about international travel insurance

Travel insurance is mandatory in countries such as Switzerland, the United Kingdom, Portugal, Paraguay, Israel, Holland, Hungary, France, Greece, Spain, Ecuador, Chile, Cuba, Belgium, Germany, Argentina, Italy, Bulgaria, Denmark, and others.

Travel insurance with excess refers to the amount that the insured must pay in case of using the coverage included in the policy.

The travel insurance is purchased before traveling and guarantees the reimbursement of the money that the person spent to receive medical or legal assistance, occasionally to the limits established in the contract. Travel assistance is a service that supports the travelers when they need it.

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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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Travel Pack and Travel Plus Pack: frequently asked questions

How can I manage my travel insurance?

If you have a Travel Pack or Travel Plus Pack, you can manage your travel insurance online by visiting the Aviva website . You can also view frequently asked questions, make a claim, request a call back from Aviva or get proof of travel insurance.

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