AXA Wanderlust vs AXA SmartTraveller – Which One Should You Choose?

Alevin Chan
Last updated May 09, 2022

AXA Wanderlust and AXA SmartTraveller differ not only in name, but also in some pretty major ways. Here’s what you need to know about where these two plans overlap, where they diverge, and which one you should get. 

Unlike most other insurers, AXA has two separate travel insurance plans. Although each goes by its own name — Wanderlust and SmartTraveller, respectively — both plans have several overlaps.

Even though many of the same benefits can be found in both plans, there are significant differences in sums assured, availability and extent of cover, which means simply picking one at random could turn out to be a bad idea. 

All these make trying to choose the right plan a confusing task, but as always, we’re here to help.

In this article, we will be taking an in-depth look at AXA Wanderlust and AXA SmartTraveller, highlighting the pertinent similarities and differences between them, so you can make an informed choice. 

Just so this piece doesn’t overstay its welcome, we will only be discussing selected features and benefits of both plans, and only in brief. For the full details, be sure to refer to the policy documents for each:

At-a-glance: AXA Wanderlust vs AXA SmartTraveller

Travel insurance Key benefits
AXA WanderlustCOVID-19 cover: Included
Overseas medical expenses: Up to S$300,000
Personal accident: Up to S$500,000
Trip cancellation: Up to S$6,000
Travel curtailment: Up to S$10,000
Emergency assistance: Included
Terrorism cover: Included
Personal liability: Up to S$500,000
Optional add-ons: 
– Post-trip medical cover- No medical excess- Adventure cover (included in Pro plan only)- Rental vehicle excess- Loss/damage to baggage (included in Easy and Pro plans only)- Sports equipment cover- Overseas wedding photoshoots
Tiers available: Lite, Easy and Pro
AXA SmartTravellerCOVID-19 cover: Included
Overseas medical expenses: Up to S$600,000
Post-trip medical cover: Up to S$60,000
Personal accident: Up to S$700,000
Trip cancellation: Up to S$12,000
Travel curtailment: Up to S$20,000
Loss or damage to baggage and personal belongings: Up to S$10,000
Emergency assistance: Included
Terrorism cover: Included
Personal liability: Up to S$1 mil
Hijacking, kidnapping and home care benefit: Included
Optional add-ons: 
– Rental car excess- Golf equipment- Sports equipment- Pet care
Tiers available: Essential, Comprehensive

What AXA Wanderlust and AXA SmartTraveller have in common

COVID-19 cover

Both of AXA’s travel insurance plans offer COVID-19 cover as a sub-limit found under their overseas medical expense benefits. This is included by default — there’s no need to purchase any separate riders or add-ons in order to enjoy this benefit. 

Here’s a summary of what is covered under the COVID-19 benefit. For the full details, please refer to the COVID-19 FAQ document. 

COVID-19 benefitSums assured
Overseas medical expensesAXA Wanderlust: Up to S$70,000AXA SmartTraveller: Up to S$150,000
Overseas hospital allowanceAXA Wanderlust: S$50/day, up to S$3,000AXA SmartTraveller: S$100/day, up to S$2,000
Overseas quarantine allowanceAXA Wanderlust: no coverAXA SmartTraveller: S$50/day, up to S$700
Trip cancellationAXA Wanderlust: Up to S$1,500AXA SmartTraveller: Up to S$2,000
Trip curtailment or rearrangementAXA Wanderlust: Up to S$1,500AXA SmartTraveller: Up to S$4,000

As you can see, cover is provided for two important areas — overseas medical expenses, as well as trip cancellation or curtailment. 

Note that AXA Wanderlust does not provide any benefits for overseas quarantine; meanwhile those who purchased AXA SmartTraveller can receive S$50/day, up to S$700 if quarantined. 

Overseas medical and personal accident benefits

Both AXA Wanderlust and AXA SmartTraveller offer overseas medical benefits for hospitalisation and treatment costs incurred while on your trip. 

These two plans also provide personal accident cover. You can receive up to S$250,000 in benefits under AXA Wanderlust. The Pro plan doubles this benefit to S$500,000 should the accident take place while using public transport overseas. 

Meanwhile, AXA SmartTraveller offers up to S$350,000 in personal benefits coverage, which doubles should the accident involve the use of public transport. This double indemnity is available on both tiers under AXA SmartTraveller. 

Emergency assistance and terrorism cover

Another similarity between both travel insurance plans is how they both offer emergency assistance and full terrorism cover by default. 

In particular, access to emergency assistance is valuable in helping you deal with an accident or unwanted incident — which can be difficult and intimidating when you’re in a foreign country. 

How AXA Wanderlust and AXA SmartTraveller differ from each other

Post-trip medical cover

Post-trip medical cover can be used to reimburse or offset the costs of any follow-up treatment or hospital stays required upon returning from overseas. If you believe this is a benefit you want, note that only AXA SmartTraveller has it included by default.

However, if you’re choosing AXA Wanderlust, you’ll need to pay extra for this benefit as it is only available as an add-on. And even then, it is only available for the two higher tiers, Easy and Pro.

Add-ons and optional benefits

You may have noticed in the table above that between the two, AXA Wanderlust has a longer list of add-ons and optional benefits.

This is only so because in AXA SmartTraveller, some of these same benefits are included by default. 

Examples include post-trip medical expenses, adventurous activities cover, and cover against lost and/or damage to baggage. 

As such, AXA Wanderlust provides a higher level of flexibility, allowing travellers to only purchase the benefits they want. But on the other hand, AXA SmartTraveller offers more convenience on account of its ‘all-inclusive’ character.

How much do AXA Wanderlust and AXA SmartTraveller cost?

Travel insurancePremiums
AXA WanderlustLite: S$21,78Easy: S$37.92Pro: S$49.73
AXA SmartTravellerEssential: S$38.44Comprehensive: S$49.22

The premiums above are for a single-trip plan, covering a single traveller on a five-day trip to Thailand after prevailing discounts of 30% to 40% at the time of writing. 

As you can see, the premiums between AXA Wanderlust and AXA SmartTraveller are virtually identical. However, AXA SmartTraveller clearly offers a more comprehensive suite of protection, and with higher sums assured to boot. 

Based on this (highly unscientific test — results may be different for other destinations and/or number of travellers) it is a no-brainer to say that AXA SmartTraveller is the superior travel insurance plan. 

Exclusive SingSaver Promotion:
Single Trip: Enjoy a 30% discount and S$5 via PayNow. Valid till 31 May 2022. T&Cs apply.

Annual Trip: Apply to enjoy a 20% discount and S$5 via PayNow. Valid till 31 May 2022. T&Cs apply.

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

Exclusive SingSaver Promotion:
Single Trip: Use the promo code WSMY2210 when applying to receive a 30% discount, a bonus 15% discount, and S$5 via PayNow. Valid till 31 May 2022. T&Cs apply.

Annual Trip: Receive a 20% discount and S$5 via PayNow. Valid till 31 May 2022. T&Cs apply.

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

Read these next:
10 Tips To Buying The Right Travel Insurance in Singapore
Best Travel Insurance Plans With COVID-19 Coverage
AXA SmartTraveller Review: Best In The Market For Flight Delay And Baggage Coverage
6 Best Travel Insurance Plans for Cruise-to-Nowhere Holidays (2022)
Singlife Travel Insurance Review: High Medical Benefits And Well-Rounded Coverage


By Alevin Chan
An ex-Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. He’s also on an ongoing quest to optimise happiness and enjoyment in his life.


Alevin Chan May 9, 2022 87391