AXA Assistance USA Platinum
Life on the move comes with its fair share of surprises, but with AXA Platinum, the unexpected won’t throw your journey off course. Whether you’re chasing new adventures or living the digital nomad life, this policy can have your back with trip cancellation, baggage protection, and trip delay coverage. Need more flexibility? You can add Cancel for Any Reason* and rental car collision protection – just check with your rental company first.
If your travels involve more than just sightseeing, you’ll appreciate that this policy includes adventure activities like hiking, backpacking, kayaking, snorkeling, and skiing. Plus, if bad weather cancels your golf game or shuts down more than 50% of ski trails, you could be reimbursed. And if your checked gear gets lost, damaged, or delayed for 12+ hours, this policy helps cover rental costs, so you don’t miss a beat.
Things don’t always go as planned, which is why this policy can protect you in case of natural disasters – whether your home or travel destination becomes unlivable. If your travel provider goes bankrupt, you won’t be stuck figuring things out on your own.
Like all AXA travel insurance policies, Platinum comes with 24/7 Travel Assistance, including Medical Repatriation and Political/Security Emergency Evacuation. You’ll also gain access to a comprehensive digital portal that provides travel and medical assistance services. It provides travelers access to a range of services including country guides, visa requirements, medical support, telemedicine, and location services for doctors worldwide. This digital portal aims to equip travelers with the necessary tools to help navigate them through travel disruptions, enabling them to stay informed about potential risks and hazards at their destinations.
This is a general description of coverage. Actual policy details, including coverage and exclusions, may vary based on your quote and state of residence. Please refer to your state-specific certificate for full terms, conditions, and exclusions.
*Optional Cancel For Any Reason may be available if all eligibility requirements are met
Coverages and Plan Info
The plan information listed below is for general purposes only. To view specific plan information for your trip, start a quote.
Plan Summary
Plan details are for general information only.
| Trip Cancellation | Trip Cost |
| Trip Interruption | Trip Cost + 50% |
| Baggage Loss | $3,000 |
| Baggage Delay | 12+ hours $600 max |
| Medical Limit | $250,000 |
| Pre-Existing Condition Waiver | If insurance purchased within 14 days of Initial Trip Payment and certain conditions are met |
| Pre-Existing Condition Lookback Period | 60 days |
| Covered Activities | cycling fishing swimming scuba diving (60ft for certified and 30ft for uncertified) snorkeling white or black water rafting (grades 1-3) canoeing kayaking ziplining water skiing camping hiking backpacking sailing boating downhill skiing cross country skiing snowboarding snowmobiling sledding or tobogganing snow tubing ice skating sports equipment rental Coverage not available in all states. Review your state-specific policy for all exclusions. |
| Medical Evacuation | $1,000,000 Repatriation of Remains $1,000,000 |
Plan Info
Protect your trip with cancellation, interruption, delay and medical benefits.
| Plan Type | Comprehensive |
| Refund Policy | 10 Day Review Period |
| Available to | U.S. Residents |
| AM Best Rating | A+ |
Trip Protection
Protect your trip with cancellation, interruption, delay and medical benefits.
| Trip Cancellation | Trip Cost |
| Trip Interruption | Trip Cost + 50% |
| Financial Default | 10 Day Wait |
| Terrorism in Itinerary City | Foreign and U.S. Domestic |
| Interrupt for Any Reason | – |
| Cancel for Any Reason | 75% of non-refundable trip cost (requires purchase within 14 days of Initial Trip Payment and certian conditions are met) |
| Baggage Loss | $3,000 |
| Baggage Delay | 12+ hours $600 max |
| Travel Delay | 12+ hours $300/day $1,250 max |
| Vacation Rental Damage | – |
Medical
Protect your trip with cancellation, interruption, delay and medical benefits.
| Medical Limit | $250,000 |
| Dental | $5,000 included in Medical |
Pre-Existing Conditions
Protect your trip with cancellation, interruption, delay and medical benefits.
| Waiver | If insurance purchased within 14 days of Initial Trip Payment and certain conditions are met |
| Lookback Period | 60 days |
Accidental Death
Protect your trip with cancellation, interruption, delay and medical benefits.
| 24-Hr Full Coverage | $50,000 |
| Common Carrier | Included in Accidental Death 24-Hour |
| Flight Only | $100,000 |
Evacuation
Protect your trip with cancellation, interruption, delay and medical benefits.
| Medical Evacuation | $1,000,000 Repatriation of Remains $1,000,000 |
Additional Benefits
Protect your trip with cancellation, interruption, delay and medical benefits.
| 24-Hour Emergency Assistance | Call for Details |
| Rental Car | $50,000 (optional) |
| Optional Coverages | – |
| Notes | Included Benefits: Cancel for Work Reasons Concierge Service Missed Connection Identity Theft Services Non-Medical Evacuation $100,000 Kennel Benefit Lost Skier Days – $125 Lost Golf Rounds – $500 Sports Equipment Rental – $1,000 |