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AXA Travel Insurance: A Short PolicyStreet Review

Munirah Bahri / 22/10/2018

Congratulations on deciding that AXA travel insurance is a must-have for that next big adventure you’re planning! Before you dive right in and buy the first travel insurance you can find, take a few factors into consideration. Perhaps you need some 2 quick tips to how to find the best travel insurance for yourself. These may come in handy.

  1. Who are you insuring? Are you a solo yolo traveller or taking a trip with friends, family or a large group? If it’s a family trip, make sure you get a family plan since buying an individual policy for each member of the family can be expensive and very tedious and not efficient!
  2. How long and frequent are your trips? If you make 2/3 trips a year, it makes sense to buy a single trip plan, otherwise an annual plan will do.

Okay back to the main topic. Did you hear? AXA Travel Insurance has now landed on PolicyStreet’s shores! AXA travel insurance plans are always good for the cost-conscious. It has one of the most affordable entry-level travel product for your travelling needs.

AXA Travel Insurance

In a nutshell, AXA Travel Insurance is

Good for

Travellers seeking good value for money for simple overseas travel insurance

People who want no frills purchasing experience

People who prefer low price over benefits covered

Bad for

People who want to travel domestically. There is no domestic option…yet.

For consumers looking for budget trips to the ASEAN region, AXA may be the best choice for minimizing spending.

AXA Travel Insurance Classic Plan

Classic Plan promises to be the most stripped down version in which you can cover just the necessities – RM100,000 personal accidents, RM50,000 medical expenses, and unlimited emergency medical evacuation and repatriation, at minimal cost, in fact, just about how much you’d usually spend on a Frappuccino in Starbucks!

Compared to other budget travel insurance plans, the AXA Classic Plan stands out for featuring the best coverage for personal accident/death market, in addition to very high medical coverage for a budget plan.

AXA-Travel-Insurance-and-Be-Safe-During-Travel

Therefore, this product fits those with a tight budget, or someone who is not so peeved

about delays and loss/damage to their assets.

The customers that would love this product are the ones who just want to cover the most crucial, and often times most expensive, and has the most emotional toil if unexpected things go wrong. The AXA Classic Plan product would be great for people traveling back to their country of residence, people travelling to see their relatives, hence the trip contains minimal movements and less opportunities for incidents to happen, as compared to adventure seekers. This AXA Classic Plan product too would work great for a person who is familiar with the destination of travel, so that you’d already subconsciously minimise certain travelling risks yourselves.

However, if you like to top up a little bit for a complete peace of mind, the VIP Comprehensive Plan too has pretty much all that you need.

AXA Travel Insurance VIP Plan

Overall, AXA’s Comprehensive plan can offer quite good value. It has a number of major highlights: its personal accident coverage is one the best-in-value in the business (RM300,000), and it features high coverage for medical expenses benefit (RM300,000). On the other hand though, the highly likelihood events like flight cancellations (RM20,000), trip curtailment (RM20,000) and trip delays (RM3,200) is below average compared to other premium-tier travel insurance plans.

AXA Travel Insurance VIP Plan

Therefore, overall, this product would fit again budget conscious travellers, eg students, entry-level graduates, first jobbers and backpackers, who are going to an unknown or unfamiliar travel destination, which comes with some risks, or people who will be moving and transiting a lot during their travels, for various activities like sports, island hopping, covering many cities at once etc. However, mind you that whilst the benefits are available, the amounts claimable is not as much as the other travel products offered by competitors (that is why the pricing is also very affordable).

You’d ought to weigh which aspects of travel protection are more important to you when making a choice between these two options, whether to cover the least likelihood incidents or highest likelihood incidents.

AXA Travel Insurance – new benefits!

AXA is one of the first insurance companies to introduce a ransom payment as a result of kidnapping and hostage. This pays for the ransom payment as a result of kidnapping and hostage outside Malaysia.

AXA travel insurance too has this loss of credit card benefit in which this insurance will pay you for fraudulent of credit card. We know that this incident often happens in the more touristy parts of the world, so don’t fall trap to those scams, yet protect yourself against it if anything.

AXA Travel Insurance and Who Eligible to Apply

Who is eligible to buy AXA Travel Insurance?

The youngest person that can buy this insurance is 30 days, and the oldest 79 years old. The sum assured may be different from adults, child and senior citizens though, so please take note!

You may buy an individual plan, a family plan or an annual plan if you’re anticipating many travelling ahead.

What are the few key tricky things I need to take note of?

To note, there is a RM10 stamp duty fee for every purchase of travel insurance. This fee will still remain RM 10 per purchase, even if the plan is covering more than 1 person. Therefore, for your convenience, you and your family would only need to fork out RM 10 in total.

Also, always always read the policy wording that states all the terms and conditions, and exclusions of cover before you buy a travel insurance product – we highly recommend that!

AXA Travel Insurance by PolicyStreet

Conclusion

We hope that this short review has helped shed some light to why AXA Travel Insurance remains one of the most popular choice of insurance for Malaysians.

Enjoy immediate 25% discount plus RM10 rebate when you buy an AXA Travel Insurance from PolicyStreet! So this time or next time you travel and are keen on a travel insurance, visit PolicyStreet for the best and exclusive deal in town, all the time. Click here to read more articles like this!

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