International Travel Insurance Smart Traveller's Choice

What is international travel insurance?

The insurance that covers your life and property in the event of accident, loss or damage during travel, as well as injuries and sicknesses, especially during international travel where expensive medical treatment may be required. Before purchasing travel insurance, it is important to read the terms and conditions of the insurance to ensure that your insurance plan covers both outpatient (OPD) and inpatient (IPD) medical expenses. AXA offers travel insurance plans that provide comprehensive medical coverage and have a global network of hospitals where you do not have to pay upfront if you receive medical treatment as an inpatient. Additionally, there are other coverages such as trip cancellation, trip delay, or even baggage delay when travelling abroad. Moreover, there is an emergency hotline available 24/7 for assistance from anywhere in the world.

Is it necessary to purchase travel insurance for overseas trips?

If you enjoy traveling abroad, it's definitely not fun to have to deal with unexpected events in overseas countries, such as sickness, accidents, or flight delays that cause you to miss your connecting flight. What's even worse is if you experience issues with delayed or lost luggage, leading to disruptions in your trip. Purchasing travel insurance is a worthwhile and convenient option to protect against various risks. Additionally, the new travel insurance plan, Smart Traveller’s Choice, from AXA, also covers trip cancellations before the start of your trip, providing coverage from the moment you leave home until you return safely.

How many types of travel insurance are there?

AXA Smart Traveller's Choice is an insurance covering outbound travel from Thailand to overseas. There are 2 type of policy i.e. single trip and annual trip.

• Single trip has 3 different plans i.e. Basic, Advance, and Max.
• Annual trip also has 3 different plans i.e. Basic, Advance, and Max.

For those who plan to travel frequently throughout the year, whether for leisure, work, or personal business, AXA recommends purchasing an annual trip plan as it provides better option. Not only does it offer coverage for every trip throughout the year with a one-time purchase, but it also eliminates the worry of finding a new travel insurance plan for each trip. Additionally, the annual trip plan offers maximum coverage of 180 days per trip, reducing the time spent searching for new travel insurance for the next trip.

To buy travel insurance online with AXA, what should I do?

In order to ensure travel insurance coverage from the start of your trip, you can decide to purchase travel insurance up to 180 days before your trip, until the very last minute before your departure, while you are still in Thailand and have not yet started your trip. However, it is advisable to purchase insurance immediately after booking or paying for your trips to ensure full protection from unexpected events that may occur before and during your travels. For utmost convenience, you can compare and choose travel insurance plans online through AXA's website, offering a variety of coverage levels that you can choose additional coverage according to your needs, starting at just 119 baht. AXA provides coverage for death or permanent disability due to accidents, as well as medical expenses with a maximum coverage of up to 5,000,000 baht.

What is the travel Insurance for Schengen visa? Which plan should I purchase?

The travel insurance plan for applying for a Schengen visa must have the following coverage:

• Sum insured at least 30,000 Euros or approximately 1.5 million Baht.
• Must cover medical expenses related to injury and sickness, emergency medical evacuation, or repatriation to Thailand, as well as expenses for repatriation of remains back to Thailand while travelling within the Schengen area.

AXA's travel insurance is accepted by embassies in the Schengen area. All AXA travel insurance plans comply with the Schengen visa criteria, and you can see the "Schengen Visa Approved" symbol during the insurance purchase process.

If your visa application is refused for any reason, AXA will fully refund your insurance premium. However, you must provide evidence of the visa refusal from the embassy and notify AXA before the policy start date.

Which countries/territories are not covered by AXA international travel insurance?

AXA international travel insurance policy does not cover any loss or damage arising from or as a result of traveling to, travelling through, or travelling within the following countries:

1. Afghanistan, Belarus, Crimea (Including Sevastopol), Cuba, Iran, Nepal (Only areas higher than 1,500 m. above sea level), North Korea, Russia, Syria, Myanmar, Ukrainian Regions of Donetsk, Luhansk, Kherson and Zaporizhzhia and Venezuela.
2. AXA shall not provide any coverage, pay any claims, or provide any benefit that would expose AXA to any sanctions, prohibition, or restriction under United States (US), United Nations (UN), or European Unions (EU) economic or trade sanctions, AXA sanction Policy and any other law and regulations related to sanctions, Anti-Money Laundering and Terrorist Financing.