AXA Assistance USA

For consumers who wish to pay more (or less) to acquire the proper amount of coverage, AXA Help USA offers three grades of travel insurance. With 100% coverage for trip cancellation and interruption, $100 per day of coverage for trip delays (up to a $500 maximum benefit), $500 in coverage for missed connections, $100,000 in coverage for emergency medical evacuation, and $25,000 in coverage for accidents and illnesses, the Silver Plan is the most affordable choice. This plan also includes $750 in coverage for baggage and personal possessions, as well as $200 in coverage for baggage delays.

With the Gold or Platinum Plans, however, you can pay for greater coverage and higher coverage limits. Even more specifically tailored coverage for active travelers is included in AXA's top-tier Platinum Plan, including coverage for lost ski days ($25 per day), lost golf rounds ($500), and sports equipment rentals ($1,000). The only AXA plan with this level of coverage also allows you to add a cancel for any reason rider to your policy, allowing you to get 75% of your trip costs reimbursed in the event that you decide to cancel your trip. (Note: For this coverage to be applicable, it must be acquired within 14 days of your original trip deposit.)

Also, keep in mind that the AXA Help USA plans provide a 10-day money-back guarantee. This implies that as long as you haven't begun your trip or submitted a claim, you can buy a plan, change your mind, and get your premiums reimbursed.

• Average cost of travel insurance across sample trips: $199

Website: https://www.axatravelinsurance.com/