Axa Travel Insurance Philippines: Your 2025 Passport to Stress-Free Travel
You’ve just booked your dream island-hopping tour in Palawan. The sunsets over El Nido, the lagoons of Coron, the diving in Tubbataha Reef—everything is set. But then a friend asks: “Do you have travel insurance?”
You pause.
You’ve heard of Axa. You’ve seen their ads. But do they offer solid Axa travel insurance Philippines coverage? Is it worth it? And most importantly—will it actually protect you if something goes wrong?
The truth is: Yes, Axa travel insurance Philippines is one of the most trusted and comprehensive options for Filipino travelers heading abroad—or even exploring locally.
In this Ultimate 5-Star Guide, we’ll break down everything you need to know about Axa travel insurance in the Philippines. From coverage details to real claims experiences, we’ll help you decide if it’s the right fit for your journey.
Let’s dive in.
Why You Need Travel Insurance—Even in Paradise
Meet Carla from Cebu.
She saved for months to visit Japan during cherry blossom season. She bought flights, booked hotels, and even got a rail pass. But two weeks before departure, she was hospitalized with pneumonia.
No trip cancellation coverage. No refund. Total loss: ₱180,000.
Carla didn’t know that travel insurance could have reimbursed her non-refundable expenses—and covered her medical bills too.
This is why Axa travel insurance Philippines isn’t just for international trips. It’s peace of mind for every traveler, whether you’re flying to Seoul or island-hopping in Siargao.
What Is Axa Travel Insurance Philippines?
Axa Philippines is part of AXA Group, one of the world’s largest insurance companies, operating in 50+ countries.
In the Philippines, Axa offers tailored travel insurance plans for:
- Solo travelers
- Families
- Senior citizens
- Business professionals
- Adventure seekers
Their policies are designed to cover unexpected events like:
- Medical emergencies abroad
- Trip cancellations or delays
- Lost or delayed luggage
- Emergency evacuation
- Accidental death or dismemberment
And the best part? You can purchase and manage your policy 100% online—fast, secure, and hassle-free.
👉 Internal Link: Compare travel insurance options at TravelHubGuard
Fact #1: Axa Offers 3 Main Travel Insurance Plans (Pick the Right One)
Not all travelers need the same coverage. That’s why Axa travel insurance Philippines offers three core plans—each tailored to different needs.
1. Travel Easy Lite
Best for: Short domestic or regional trips (e.g., Boracay, Singapore, Bangkok)
- Medical coverage: Up to ₱500,000
- Trip delay: ₱5,000 (after 6+ hours)
- Baggage delay: ₱3,000
- Accidental death: ₱250,000
- Price: Starts at ₱699 for 7 days
✅ Perfect for: Weekend getaways, business trips, or first-time travelers.
2. Travel Easy Plus
Best for: International trips (Japan, South Korea, Middle East)
- Medical coverage: Up to ₱1,000,000
- Trip cancellation: Up to ₱50,000
- Lost baggage: Up to ₱20,000
- Emergency evacuation: Included
- Accidental death: ₱500,000
- Price: Starts at ₱1,499 for 7 days
✅ Why it’s great: Ideal for longer trips with higher medical risks.
3. Travel Easy Premier
Best for: Long-term travelers, seniors, and high-risk destinations
- Medical coverage: Up to ₱2,000,000
- Trip cancellation: Up to ₱100,000
- Baggage protection: Up to ₱40,000
- Emergency dental: Included
- 24/7 Assistance Hotline
- Accidental death: ₱1,000,000
- Price: Starts at ₱2,499 for 7 days
✅ Top choice: For travelers over 60 or visiting countries with high healthcare costs (e.g., USA, Switzerland).
Fact #2: Axa Covers Medical Emergencies—Even Abroad
One of the biggest fears when traveling is getting sick or injured far from home.
In the U.S., a single ER visit can cost $3,000+. In Europe, a hospital stay averages $1,500 per day. Without insurance, you’re on the hook.
Axa travel insurance Philippines includes international medical coverage for:
- Hospitalization
- Doctor consultations
- Surgery
- Prescription drugs
- Emergency dental treatment
And if you’re admitted, Axa’s 24/7 Global Assistance team can help:
- Coordinate payments with hospitals
- Arrange medical evacuation
- Contact family members
- Provide translation support
Real Story:
Juan from Davao fractured his leg while skiing in Switzerland. Axa paid ₱1.2 million in medical and evacuation costs—directly to the hospital. He didn’t pay a cent.
Fact #3: Trip Cancellation & Interruption Coverage Can Save You Thousands
Life is unpredictable. What if:
- You get sick before departure?
- A family member passes away?
- Your flight is canceled due to a typhoon?
- Your visa is denied?
Without trip cancellation coverage, you could lose every peso you’ve spent on non-refundable bookings.
Axa travel insurance Philippines covers trip cancellation and interruption for covered reasons, including:
- Illness or injury
- Death of a family member
- Natural disasters
- Passport theft
- Visa denial
- Jury duty
💡 Smart Move: Buy your policy within 7 days of booking your trip to maximize coverage, especially for pre-existing conditions.
Fact #4: Lost or Delayed Luggage? Axa Has Your Back
The Philippines ranks among the top countries for overseas Filipino workers (OFWs) and international travelers. And with more travel comes more risk.
Airlines lose over 25 million bags annually—and delays happen even in major hubs like NAIA, Changi, or Incheon.
Axa travel insurance Philippines offers:
- Baggage delay coverage: Reimbursement for essentials (clothes, toiletries) if your luggage is delayed 6+ hours.
- Lost or stolen baggage: Compensation for replacement of personal items.
- Baggage damage: Repair or replacement costs.
Pro Tip: Always file a Property Irregularity Report (PIR) with the airline before leaving the airport. You’ll need it to file a claim with Axa.
Fact #5: 24/7 Assistance – Your Global Safety Net
Imagine this: You’re in Paris. You’ve lost your wallet. No cash, no ID, no credit cards.
Who do you call?
With Axa travel insurance Philippines, you get access to AXA Assistance, a global support team available 24 hours a day, 7 days a week.
Services include:
- Emergency medical referrals
- Legal assistance
- Lost document support
- Cash advance coordination
- Translation and interpretation
- Family message relay
You’re never alone on the road.
📞 Axa Philippines Hotline: +63 2 8848 7000
🌐 Global Assistance: 1-800-AXA-ASAP (from abroad)
How to Buy Axa Travel Insurance Philippines (Step-by-Step)
Getting covered takes less than 5 minutes. Here’s how:
- Visit the Axa Philippines website
Go to www.axa.com.ph → Travel Insurance - Choose Your Plan
Select Lite, Plus, or Premier based on your trip type and destination. - Enter Trip Details
- Travel dates
- Destination(s)
- Number of travelers
- Age of each traveler
- Get a Quote & Pay Online
Pay via credit card, GCash, or bank transfer. - Receive Your Policy via Email
Your e-policy will be sent instantly. Save it on your phone and print a copy. - Download the AXA Assist App (Optional)
Access emergency contacts, file claims, and get real-time support.
👉 Internal Link: Compare top travel insurance plans at TravelHubGuard
What’s NOT Covered? (Avoid These 5 Surprises)
Even the best policies have exclusions. Common ones under Axa travel insurance Philippines include:
- Pre-existing medical conditions
Unless declared and approved, conditions like diabetes or heart disease may not be covered. - Alcohol or drug-related incidents
Injuries or accidents under the influence are typically excluded. - Extreme sports
Skydiving, scuba diving (beyond 18m), or mountaineering may require add-ons. - Pandemics or fear of travel
Most policies exclude claims based solely on pandemic fears. - Unattended baggage
If you leave your bag unwatched and it’s stolen, coverage may be denied.
Always read the Policy Exclusions section before buying.
Real Customer Review: How Axa Saved a Family Trip to Korea
The Dela Cruz family from Quezon City planned a Christmas trip to Seoul. But two days before departure, their 8-year-old son developed severe pneumonia.
They filed a trip cancellation claim with Axa.
Within 48 hours:
- They submitted medical certificates and flight receipts
- Axa approved ₱87,500 in reimbursement
- The family received payment in 5 business days
“I was shocked how fast and easy it was,” said Mrs. Dela Cruz. “Axa turned a disaster into a manageable setback.”
How Much Does Axa Travel Insurance Philippines Cost?
Here’s a quick price breakdown (for 7-day trips):
| Plan | Coverage | Price (Single Traveler) |
|---|---|---|
| Travel Easy Lite | Domestic / Short Regional | ₱699 |
| Travel Easy Plus | International (Asia) | ₱1,499 |
| Travel Easy Premier | Long-term / High-Risk | ₱2,499 |
💡 Money-Saving Tips:
- Buy family plans (covers spouse + kids)
- Purchase multi-trip policies if you travel 2+ times a year
- Use GCash or credit card promos (Axa often runs discounts)
How Axa Compares to Other Philippine Travel Insurers
| Provider | Medical Coverage | Trip Cancellation | 24/7 Support | Best For |
|---|---|---|---|---|
| Axa | Up to ₱2M | Yes | Yes | International travelers |
| Insular Life | Up to ₱1.5M | Limited | No | Local travel |
| Philippine AXA | Up to ₱2M | Yes | Yes | Expats & OFWs |
| Malayan Insurance | Up to ₱1M | Yes | Limited | Budget travelers |
✅ Why Axa Wins: Strong global network, high medical limits, and excellent customer service.
External Link (DoFollow): AXA Global Assistance – Official Site
Frequently Asked Questions (FAQ)
Is Axa travel insurance Philippines good?
Yes. Axa is a globally trusted insurer with strong customer support, high coverage limits, and fast claims processing in the Philippines.
How do I file a claim with Axa travel insurance?
Visit www.axa.com.ph , log in, go to “Claims,” and upload your documents (medical reports, receipts, PIR, etc.). Most claims are processed in 5–10 business days.
Does Axa cover COVID-19?
Yes. Axa travel insurance Philippines covers medical treatment for COVID-19 if diagnosed during your trip. Some plans also cover quarantine costs.
Can OFWs buy Axa travel insurance?
Yes. Axa offers special plans for OFWs returning home or traveling abroad.
What documents are needed for a claim?
- Valid ID
- E-policy
- Boarding pass
- Medical certificates (if applicable)
- Receipts and invoices
- Police report (for theft)
Can I extend my Axa travel insurance while abroad?
Yes, if your original policy allows it. Contact Axa customer service before your coverage ends.
Does Axa cover adventure sports?
Not by default. Activities like scuba diving, skiing, or trekking may require an upgrade or add-on.
Final Tips for Getting the Most Out of Axa Travel Insurance Philippines
✅ Buy early—ideally within 7 days of booking.
✅ Save your e-policy in your email and cloud storage.
✅ Carry the AXA assistance number in your wallet.
✅ Take photos of receipts immediately.
✅ Compare plans—don’t assume the cheapest is best.
Ready to Travel with Confidence?
Whether you’re flying to Tokyo, backpacking through Vietnam, or reuniting with family in Dubai, Axa travel insurance Philippines gives you the protection you need—without the stress.
Don’t leave your trip to chance.
👉 Compare Axa plans and get instant coverage today.
Find the perfect policy for your journey, budget, and peace of mind.