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Travel Insurance


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  • Features
  • Before You Apply
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  • FAQ
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Travel the world with complete peace of mind. Whether you're travelling for leisure or for work, studying or visiting friends and family abroad, SmartTraveller has a range of options to cover you and your loved ones.

With the new AXA SmartTraveller, you only buy what you need. We are making some benefits optional to give you a choice to pick and choose those benefits that are most appropriate for your trip.

Get up to 45% off* AXA SmartTraveller Insurance



Trip Departure Must
Be from Singapore

All trips must begin from and end in Singapore.


Policy must be effected before departure from Singapore.


182 days for Single Trip and 92 days per trip for Annual Plan.


There is no age restriction for cover. However, you need to be at least 18 years old to buy an individual adult cover.


Singapore citizens, Singapore PRs, or holders of a valid employment or student pass, long-term social visit or dependent pass.


  • Each child must travel with at least one insured parent.
  • Applicable for you and your family.


An unmarried and dependent person below age of 18, or up to 25 if still studying full-time during the policy period.


If you have more than one travel policy with AXA, only the policy with the highest benefit will apply.

Frequently Asked Questions

Adventure sports are covered subject to the following conditions:

  • They are open to the general public without restriction;
  • They are for leisure and non-competitive purpose; and
  • They are organized by a licensed operator.

Please take note of the limitations for the following activities:

  • Flying or hot air balloon rides for leisure;
  • Hiking or trekking up to 3500 meters above sea level;
  • Mountaineering that ordinarily does not require the use of specific climbing equipment and ropes;
  • Ice Sports; Snow sports within approved areas of the ski resort;
  • White water rafting up to grade 3;
  • Scuba Diving no deeper than 30 meters under the supervision of a qualified diving instructor, or within the certified depth under Your PADI certification (or equivalent qualification) and you are diving with a buddy who holds the same or higher PADI certification (or equivalent qualification);

Not covered

  • Extreme Sports as they present a high level of inherent danger. This includes sports such as:
    • big wave surfing
    • cliff jumping
    • horse jumping
    • potholing
    • ultra marathons
    • biathlons
    • triathlons
    • stunt riding
    • underwater activities requiring the use of artificial breathing apparatus;
  • Participating in sports that are played in a professional capacity or in competition involving prize money, donations, sponsorship or reward of any kind.

You are covered if you dive no deeper than 30 metres and accompanied by a qualified diving instructor.

Yes, we cover cruises provided that insured person departs from Singapore.

The destination of the cruise will determine the travel region.

An alternative proof of travel to passport stamps are as follows:

  • travel tickets
  • hotel bookings
  • entertainment ticket
  • invitation letter
  • receipt of purchase items in Malaysia etc.

To claim for your damaged personal belonging which is dropped accidentally whilst overseas, please provide:

  • the photograph of the damaged item;
  • repair invoice; and
  • damaged incident report from the repairer.

We do not provide a separate cover from our standard travel policy.

Rented equipment is not covered.

Before you seek any treatment by a specialist, you must first obtain a referral from GP.

If you have more than one (1) travel insurance policy with us insuring the same trip, you may state both policies number. However, we will pay you only from the policy which has the higher benefit.

You can purchase the travel insurance. However, we will not pay for any loss or liability directly or indirectly arising as a result of any pre-existing medical condition.

You are covered for:

  • illnesses arising from the pregnancy
  • accidental causes e.g. miscarriage

You are not covered for:

  • First trimester of pregnancy (i.e. 0-12 weeks).
  • Tests or treatment relating to fertility, contraception, sterilization, birth defects or congenital Illness.
  • Ectopic pregnancy or childbirth including premature childbirth or stillbirth.
  • Depressive, psychological or psychiatric Illness, including post-natal depression.
  • One-Way Trip
  • The cost of cancellation/postponement/ curtailment of trip or replacement of traveller

A comprehensive motor policy comprises of:

  • Death or injury of a third party, including liability towards passengers;
  • Damage to third party's property; and
  • Loss of or damage to insured's vehicle.

You are covered for:

  • Your unutilized travel and accommodation expenses, and pre-paid entertainment tickets if you cancelled your trip; or
  • The charges to postpone your trip or the cost of another traveller to replace you for the trip:
    • Administrative charges; and
    • Additional economy class travel fare; and standard room expenses, not exceeding the original cost of the replaced travel ticket and replaced accommodation.

You are not covered for:

  • The cost of another traveller to replace your travel companion

As private vehicles do not fall under the definition of 'Public Transport', you will not be able to claim under the following sections:

Section 1 – Double Public Transport Coverage
Section 24 – Travel Delay/ Alternative Travel Arrangement
Section 25 – Travel Diversion
Section 27 – Travel Misconnection
Section 28 – Baggage Delay
Section 41 – Safety

You can purchase the travel insurance on behalf of your child who is below 18 years old.

For Single Trip

  • Child can travel alone or with a group

For Annual Trip

  • You or your spouse must be insured under an annual travel policy with AXA
  • Your child must travelled together with the insured adults during a trip

No, you cannot buy Adult cover if your child is below 18 years ago on the effective date of the Policy.

Your friend can purchase the travel policy subject to the following conditions:

  • You have purchased and are covered under AXA's travel insurance;
  • You and your friend will be travelling together to the same trip destination, departing from and returning to Singapore; and
  • The trip destination cannot be your friend's home country.

Please submit your application form to us.

Yes, if she still holds a valid employment pass or work permit.

No, the cover must start from and end in Singapore.

You must purchase two single trips as you depart from Singapore twice. However, if you are transiting in Singapore, then you need to only buy 1 policy.

As the cover for some benefits start more than 30 days before the trip commences e.g. trip cancellation, you should buy your travel insurance early.

No, it must be purchased prior to your trip and before you depart Singapore.

For Single Trip Plan

  • Addition of travelers can be done only before the trip

For Annual Plan

  • Addition of travelers can be done any time during the policy period and before their trip starts

The sum insured is fixed.

Yes, we allow the change subject to:

  • Additional premium from Asia to Global
  • Amendment made before the trip

For Single Trip

  • Extension beyond 182 days per trip while you are overseas is subject to our approval on case-by-case basis

For Annual Plan

  • Extension beyond 92 days per trip while you are overseas is subject to our approval on case-to-case basis

Annual plan is better value for the frequent traveller:

  • You save on premium
  • You save the hassle of buying a policy for each trip
  • You can make multiple trips during the policy year

For Single Trip

Full refund provided that:
  • Policy is cancelled before the trip; and
  • No claims
  • he premium is at least $25

For Annual Trip

Cancellation of policy is allowed anytime during the Period of Insurance. We will provide a refund based on the table provided in policy wording (Page 14) subject to no claims.

You can cancel the policy by email to your servicing distributor or AXA Customer Care

We allow nomination only for an annual plan.

Generally, a PA policy provides 24/7 worldwide coverage due to any accidental cause.

A travel policy includes a PA cover (whilst on a trip) and other benefits:

  • travel inconveniences e.g. trip cancellation
  • emergency medical evacuation

A travel insurance policy typically covers your trip delay/ cancellation/curtailment, medical expenses, and loss of baggage whilst overseas.

Evaluate the items that you will bring and activities you will be engaged in to decide the travel policy which best suit your needs.

Most of the time, travel insurance offered by the airlines provide a basic cover. You may want to consider a more comprehensive cover from our travel policy.

An emergency evacuation can cost as much as S$100,000.

To avoid the nightmare of being stuck in a foreign country when you are seriously ill or injured, a travel insurance can support you financially or mentally, to get you treated and flown home safely.

For fiancé and fiancée: Contract for wedding venue, receipts of your engagement ring or wedding gown, and purchase of house in joint names.

For Partners: Shared residence lease, banking/credit card statements or identification documents stating the same residential address.

Apply for SmartTraveller or submit your enquiries:

Thank you for your submission. We will contact you shortly.

To apply for our product, please fill up this form and we will contact you as soon as possible.
For general enquiries, please click here. For claim enquiries, please click here.

Alternatively, you can call us at:
1800 880 4888 (Within Singapore)
(+65) 6880 4888 (International)

Important Notice

This insurance plan is underwritten by AXA Insurance Pte Ltd. The information featured in this website is published for general information only and is not a contract of insurance. The precise terms and conditions of the plan are specified in the policy contract. A product summary for the insurance plan is available and may be obtained from AXA Insurance Pte Ltd and the participating distributors' offices. You should read the product summary before deciding whether to purchase the plan.

You may wish to seek advice from a qualified adviser before making a commitment to purchase the insurance plan. In the event that you choose not to seek advice from a qualified adviser, you should consider whether the plan in question is suitable for you.

The insurance plans featured in this website may be protected under the Policy Owners' Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for such plans are automatic and no further action is required from you should you buy the plan. For more information on the types of benefits that are covered under the Policy Owners' Protection Scheme as well as the limits of coverage, where applicable, please visit the AXA website at or visit the LIA, GIA or SDIC websites (, or for a copy of the SDIC Guide on PPF Scheme.

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AXA Contact Info
Tel: 1800 880 4888 (Within Singapore) / +65 6880 4888 (International)
Fax: +65 6880 4740
8 Shenton Way, #24-01 AXA Tower, Singapore 068811

AXA Customer Centre is located at:
#01-21/22. (For Parking please click here)

Operating Hours: 9:00am – 5:30pm (Monday – Friday)