AXA SmartTraveller Review: Best In The Market For Flight Delay And Baggage Coverage

SingSaver team
Last updated May 09, 2022

With an array of high-value plans complete with COVID-19 coverage, AXA SmartTraveller provides the essentials you need for a stress-free trip.

If you’re looking for an insurance plan that’ll soothe your travel worries at a steal, you’re in luck. AXA SmartTraveller’s pricing starts from as low as S$18.30. Plus, they offer COVID-19 coverage.

There are two tiers of travel insurance plans on offer: Essential and Comprehensive. Both plans provide comprehensive coverage for travel inconvenience benefits and medical coverage, at competitive pricing. 

Summary of product

High medical coverage

Up to S$600,000 whilst overseas and up to S$60,000 post-trip.

COVID-19 coverage

AXA SmartTraveller offers COVID-19 coverage to protect you against hefty medical expenses if you were to contract COVID-19. 

Additionally, it offers benefits like overseas hospitalisation allowance, overseas quarantine allowance, emergency medical evacuation and repatriation, pre-departure trip cancellations and postponement, and trip curtailment or rearrangement losses.

There are two AXA SmartTraveller plans you can choose from — the Essential Plan or Comprehensive Plan. As their names suggest, the latter provides higher levels of coverage.

24-hour emergency medical assistance

AXA offers 24-hour emergency medical assistance benefit.

Full terrorism cover

Event arising from the use of nuclear, chemical and biological substances.

Personal accident cover

Up to S$700,000, starting 3 hours before departure.

Unlimited emergency medical evacuation and repatriation

Unlimited emergency medical evacuation and repatriation benefit.

Fraudulent personal credit card use

Covers financial loss due to unauthorised charges made to your lost or stolen credit, charge or bank card while overseas.

AXA SmartTraveller Travel Insurance: Pros and cons breakdown 

ProsCons
COVID-19 travel extension coverage

Adventurous activities cover

Full terrorism cover

Unlimited emergency medical evacuation/ emergency repatriation
No benefit for extreme sports

Only offer 2 tier plans: Essential and Comprehensive (most insurers offer 3 options)

Limited in terms of travel region: AXA offers ‘Regional’ or ‘Global Worldwide’ (most insurers offer 3 to 4 sub-sections (ASEAN, Asia, Worldwide, Worldwide excluding USA and Canada) — a trip to certain areas under ASEAN, is still classified under ‘Regional’ pricing

Medical exclusions for pre-existing conditions

No benefit payable for loss of frequent flyer reward points or holiday points used

Policy Exclusions

  • Pre-existing medical conditions (including congenital conditions)
  •  Pregnancy, miscarriage, childbirth or abortion and their complications 
  • Travelling against Medical Practitioner’s advice/ Travelling for the purpose of getting medical treatment
  • Elective cosmetic surgery
  • HIV, AIDS and/or any sexually transmitted disease
  • Extreme sports or underwater activities requiring the use of artificial breathing apparatus 
  • Expedition to inaccessible and remote areas of a country or areas previously unexplored
  • Participation in sports activities to receive financial compensation
  • Items taken/destructed by customs or other officials
  • War, rebellion, revolution, insurrection, conspiracy, civil commotion and nuclear reaction or contamination, ionising rays or radioactivity
  • Loss of frequent flyer reward points or holiday points used, in part or full, to pay for any part of the trip

*Please read the full list of exclusions in the policy wording.

Types of Plans 

AXA’s Smart Traveller Plan offers two tiers: Essential and Comprehensive. For more details on the benefits and exclusions, do refer to the policy wordings.

Plan TypeCancellationMedical Coverage (Overseas)Bags/ Belongings
EssentialS$6,000S$300,000S$5,000
ComprehensiveS$12,000S$600,000S$10,000

Add-ons available: 

  • Golf equipment including hole-in-one celebration
  • Sports equipment
  • Pet care
  • Rental vehicle excess and safety: Hijacking, kidnap and hostage
  • Home care benefit: Household contents and/or valuables within the usual place of residence are lost or damaged due to fire or theft by violent and forcible entry while you are overseas. 

Essential plan

AXA SmartTraveller Essential Plan offers value-for-money personal accident and medical coverage. Apart from covering up to S$400,000 for personal accidents and up to S$300,000 for overseas medical expenses, you get to enjoy up to S$30,000 reimbursement for post-trip medical expenses incurred. 

If you find yourself in need of medical services abroad due to COVID-19, you can claim up to S$75,000 for the Essential Plan. The plan also provides a S$100 hospitalisation allowance per day if you get COVID-19, for up to S$1,000. 

In the event that you have to quarantine abroad due to COVID-19, AXA will reimburse you with an overseas quarantine allowance of S$50 per day, up to S$350, if you get the Essential Plan. 

Comprehensive plan

AXA SmartTraveller Comprehensive Plan offers competitive value by providing personal accident coverage of up to S$700,000, overseas medical expenses coverage of up to S$600,000, post-trip medical expenses coverage of up to S$60,000 and baggage delay benefit of S$150 for every six hours of delay overseas capped at S$1,800.

The plan also covers up to S$150,000 in medical expenses if you get COVID-19 abroad, and a S$100 hospitalisation allowance per day if you have COVID-19, for up to S$2,000.

For unfortunate instances of being quarantined abroad due to the pandemic, AXA gives you an allowance of S$50 per day, and covers you for up to S$700. There are also emergency medical evacuation and repatriation services that you have access to.

If you find yourself having to cancel your trip due to you or a family member getting COVID-19, you’ll be reimbursed up to S$2,000, while any trip postponements will reimburse you up to S$1,000.

Pricing

Let’s look at pricing comparison across various plans for both Single Trip and Annual Trip. AXA offers only two tiers: Essential and Comprehensive. Essential Plan is used for Mid-Tier Plan comparison, whereas the Comprehensive Plan is used for Top-Shelf comparison. 

In addition, AXA only offers Regional (equivalent to Asia) and Global (Worldwide) for travel region. The benefits offered by Essential Plan is similar to the mid-tier plans of most insurance companies, yet the pricing is slightly lower than industry average. We recommend AXA SmartTraveller for consumers who value quality at competitive pricing! 

Mid-Tier plan


AXA SmartTraveller Essential 
1-week ASEANNA
1-week AsiaS$56.64
1-week WorldwideS$75.52
Annual ASEANNA
Annual AsiaS$325.60
Annual WorldwideS$450.40

Top-Shelf plan


AXA SmartTraveller Comprehensive
1-week ASEANNA
1-week AsiaS$74.85
1-week WorldwideS$97.10
Annual ASEANNA
Annual AsiaS$527.20
Annual WorldwideS$700.00

Promotion 

Exclusive SingSaver Promotion:

Single Trip: Enjoy a 40% discount and S$8 via PayNow. Valid till 30 Jun 2022. T&Cs apply.

Annual Trip: Apply to enjoy S$8 via PayNow. Valid till 30 Jun 2022. T&Cs apply.

Enjoy travel cover for COVID-19 regardless of the airline that you fly with. Must be travelling under permitted arrangements. T&Cs apply.

How to claim 

Online: https://www.axa.com.sg/ 

Email: cst@axa.com.sg

Hotline: +65 6880 4888 

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SingSaver team May 9, 2022 63701