AXA Assistance USA review

AXA Assistance USA is the most open about price of the classic trip insurers we checked. Its homepage gives a starting price for every plan: North America Explorer from $11, Explorer Standard from $18, Worldwide Explorer from $21, Explorer Select from $26, Explorer OnTrip from $38, Explorer Elite from $52 and Cruise Explorer from $80. The single-trip plans insure up to 100% of trip cost for cancellation, and medical limits climb from $25,000 on North America Explorer to $250,000 on Select and Elite. Explorer OnTrip skips cancellation and adds $100,000 of medical cover for same-day or last-minute trips. Annual plans start at $293, but their cancellation limits are shared across all trips, from $2,500 to $10,000 per policy year. Coverage runs from age 0 to 99, though only US residents over 18 can buy. Cover is underwritten by United States Fire Insurance Company and Starr Indemnity & Liability Company.

Who it is for

Budget-minded travelers who want trip cancellation at a published low starting price.

Price

From $11 per trip (North America Explorer); annual plans from $293.

north america explorer FROM $11
Quoted from the vendor pricing page on November 8, 2026.

Key features

• Single-trip Explorer Standard, Select and Elite, from $18, $26 and $52
• North America Explorer from $11 and Worldwide Explorer from $21
• Explorer OnTrip from $38 for last-minute and same-day travel
• Cruise Explorer from $80 with missed port and itinerary change benefits
• Annual plans from $293, $470 and $740 with shared cancellation limits

Strengths and weaknesses

• Strength: Starting prices published for every plan
• Strength: North America Explorer includes up to 100% of trip cost for cancellation
• Strength: OnTrip plan for trips that have already started or start today
• Weakness: Explorer Standard medical tops out at $100,000
• Weakness: Annual plans cap cancellation at $2,500 to $10,000 per policy year
• Weakness: Plans can only be bought by US residents over 18

Key facts

• Cheapest plan: North America Explorer from $11
• Explorer Elite medical: Up to $250,000
• North America Explorer medical: Up to $25,000
• Annual plans: From $293, $470 and $740
• Eligibility: US residents over 18; ages 0 to 99 covered

Where it ranks

AXA Assistance USA is No. 3 in our Best Travel Insurance verdict.