axa assistance usa

What axa assistance usa does

AXA Assistance USA, Inc. is the US-based travel insurance and assistance subsidiary of AXA Group, one of the world's largest insurance and financial protection companies. Operating under the AXA Travel Insurance brand (formerly AXA Partners US), the company has more than 20 years of experience in the US travel assistance market and is part of a parent organization established in 1959 with operations across more than 30 countries and 5 continents. From its headquarters in Chicago, Illinois, AXA Assistance USA designs, markets, and administers travel protection plans for US-resident travelers, with insurance coverage underwritten by United States Fire Insurance Company, Starr Indemnity & Liability Company, and Nationwide Mutual Insurance Company.

The company offers a tiered product portfolio spanning eight plans across two billing cadences: five single-trip plans (Explorer OnTrip, North America Explorer, Explorer Standard, Explorer Select, and Explorer Elite, priced from $11 to $52+) and three annual multi-trip subscription plans (Explorer Annual, Explorer Annual Plus, and Explorer Annual Max, priced $293 to $740). Plans cover trip cancellation, emergency medical, emergency evacuation and repatriation, baggage, and optional Cancel For Any Reason. The technology platform centers on My Trip Companion, a Progressive Web App that integrates Sherpa visa services, MyCare Line nurse call-back, Doctor Please! international teleconsultation, and access to an International Medical Network and 24/7 multilingual Global Assistance Network managing 8 million+ assistance cases annually through 30,000+ medical providers.

AXA Assistance USA generates revenue through one-time travel insurance premiums and annual multi-trip subscriptions, distributed through a direct-to-consumer website (axatravelinsurance.com), licensed phone sales (855-327-1441), and an affiliate program managed via Everflow. The customer base is highly diversified across individual traveler segments — international, domestic, senior, cruise, business, adventure, family, couple, solo, and backpacker — with no enterprise anchor clients. Claims administration is split between Sedgwick (annual plans) and CBP Connect (single-trip plans), while non-insurance assistance services are delivered directly by AXA Assistance USA.

Name

axa assistance usa

Legal name

AXA Assistance USA, Inc.

Website

https://axatravelinsurance.com

Company type

Private

Operating status

Operating

Short description

AXA Assistance USA is a Chicago-based travel insurance and assistance provider, serving US-resident travelers with tiered single-trip and annual Explorer protection plans, underwritten by partner carriers and supported by a 24/7 global medical and assistance network.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Underwriting, Pricing & Policy Administration (PAS) for Travel Insurance (THALALAK)

akta.pro secondary industries

Emergency Assistance & Case Management (Medical, Security, Evacuation) (THALALAG), Travel Insurance Coordination (HSACAKAI), Travel Support & Pre-Trip/On-Trip Personal Assistance (HSACAIAK), Travel Assistance & Concierge Services (Non-Insurance) (FSAJAJAF)

Keywords

• Travel insurance
• Trip protection
• Medical evacuation
• Travel assistance
• Trip cancellation

Headquarters

HQ city

Chicago

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Travel Insurance Premiums: One-time travel protection plans (single-trip and annual multi-trip) where customers pay upfront premiums for coverage including trip cancellation, emergency medical, evacuation, and baggage protection. Revenue is generated through insurance premiums underwritten by partner insurers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

AXA Assistance USA provides travel insurance and assistance services to U.S. residents, selling single-trip and annual multi-trip travel protection plans (under the Explorer brand) that cover trip cancellation, emergency medical expenses, emergency evacuation and repatriation, baggage protection, and related travel risks. Non-insurance travel assistance (24/7 multilingual support, telehealth, medical provider referrals, visa help) is delivered directly by AXA Assistance USA, while insurance coverages are underwritten by partner carriers.

Product overview

AXA Assistance USA offers a comprehensive travel insurance platform consisting of five Explorer single-trip plans and three Explorer Annual multi-trip plans. The single-trip portfolio ranges from budget options (Explorer Standard starting at $18) to premium coverage (Explorer Elite starting at $52), with specialized plans for North American travel, cruise trips, and last-minute travel. The annual multi-trip plans (Explorer Annual, Explorer Annual Plus, Explorer Annual Max) provide coverage for multiple trips within a 12-month period at escalating coverage levels. All plans include core benefits such as trip cancellation, emergency medical, and baggage protection. An optional Cancel For Any Reason add-on provides enhanced flexibility. The My Trip Companion digital assistant adds technology-enabled services including visa assistance, telehealth consultations, and real-time travel alerts.

Differentiator

Problem solved

Functional benefit

Products and services

• Explorer OnTrip A single-trip travel protection plan designed for last-minute and same-day travel, providing focused coverage once a trip has already begun. Includes up to $2,500 trip interruption, up to $200 baggage delay after 24 hours, and up to $5,000 search and rescue. Starting at $38.
• North America Explorer A single-trip travel protection plan best suited for domestic travel across North America, including road trips and trips with pets. Offers up to 100% trip cancellation coverage, up to $25,000 emergency accident and sickness medical coverage, and up to $1,000 baggage and personal effects coverage. Starting at $11.
• Explorer Standard A single-trip travel protection plan suitable for international trips and nearby vacations. Covers up to 100% trip cancellation, up to $100,000 emergency accident and sickness medical, up to $750 baggage, and up to 150% trip interruption. Starting at $18.
• Explorer Select A single-trip travel protection plan designed for cruise and family trips. Includes trip cancellation coverage, up to $250,000 emergency accident and sickness medical, and up to $1,500 baggage and personal effects. Starting at $26.
• Explorer Elite The most popular single-trip travel protection plan offering the highest level of coverage. Includes up to 100% trip cancellation, up to $250,000 emergency accident and sickness medical, and up to $5,000 baggage. Optional Cancel For Any Reason coverage available. Starting at $52.
• Explorer Annual An annual multi-trip travel protection plan for short getaways and value-focused trips. Covers multiple eligible trips within a 12-month period with up to $2,500 per policy year trip cancellation, up to $15,000 emergency medical (annual limit), and up to $500 baggage. Starting at $293.
• Explorer Annual Plus An annual multi-trip travel protection plan for active travelers. Covers multiple eligible trips within a 12-month period with up to $5,000 per policy year trip cancellation, up to $25,000 emergency medical, and up to $1,000 baggage. Starting at $470.
• Explorer Annual Max An annual multi-trip travel protection plan for frequent travelers with high-value travel. Covers multiple eligible trips within a 12-month period with up to $10,000 per policy year trip cancellation, up to $50,000 emergency medical, and up to $2,500 baggage. Starting at $740.
• My Trip Companion A digital self-service travel portal (Progressive Web App) bundled with AXA travel insurance plans. Provides visa and travel documentation requirements via Sherpa, MyCare Line nurse call-back, international teleconsultation via Doctor Please!, access to doctors and hospitals worldwide through AXA's International Medical Network, real-time travel alerts, and claims filing directly from a mobile device.
• Cancel For Any Reason (CFAR) An optional add-on benefit that may reimburse up to 75% of prepaid, non-refundable trip costs if the insured decides not to travel for reasons outside standard coverage. Subject to eligibility requirements.

Quantifiable outcome

• 94% customer satisfaction based on Trustpilot reviews
• +2 more outcomes

Named customers3 records

Segments10 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature5 records

Partnerships

Six partnerships are on record, tiered core, major and supporting.

• United States Fire Insurance CompanycoreOthersPrimary underwriter for AXA Explorer Single-Trip travel protection plans (Explorer On-Trip, North America Explorer, Explorer Standard, Explorer Select, and Explorer Elite) under form series T7000 et al, T210 et al and TP-401 et al. Located in Morristown, New Jersey.
• Starr Indemnity & Liability CompanycoreOthersCo-underwriter for travel insurance plans. Texas domiciled corporation (NAIC Company Code: 38318) with principal place of business at 399 Park Avenue, 2nd Floor, New York, NY 10022.
• Nationwide Mutual Insurance CompanycoreOthersUnderwriter for Silver, Gold and Platinum travel protection plans. Benefits administered by AXA Assistance USA, Inc. with non-insurance assistance services provided by AXA Assistance USA.
• SedgwickmajorImplementation/ SI/ Consulting PartnerClaims administrator for Explorer Annual Multi-Trip Plans (Bronze, Silver, Gold, Platinum). Hosts claim forms and manages claims processing portal at starrtravelclaims.com.
• CBP ConnectmajorImplementation/ SI/ Consulting PartnerClaims portal partner for Explorer Single-Trip Plans. Provides 24/7 self-service claim reporting at cbpconnect.com.
• SherpasupportingTechnology or IntegrationPartner for My Trip Companion service providing visa and travel documentation requirements for destinations worldwide, simplifying international travel compliance.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• World Nomads: Specialist travel insurance provider for independent and adventure travelers, selling single-trip and annual plans globally through a DTC website — directly competing with AXA Travel Insurance for the same international backpacker, adventure, and long-tail segments.
• Seven Corners: Specialist in international travel medical insurance and travel protection plans, including single-trip, annual, and long-term travel medical coverage. Directly comparable in product breadth, international focus, and assistance-driven value proposition.
• Travel Insured International: US-based travel insurance provider offering single-trip, annual, group, and specialty plans (cruise, adventure). Direct comparable in product structure, distribution mix (DTC + agent), and reliance on third-party underwriters.
• Generali Global Assistance (Europ Assistance US): US arm of Europ Assistance/Generali, offering travel insurance plus identity-theft and assistance products. Most direct comparable in combining insurance distribution with a 24/7 global assistance network — the same dual model AXA USA runs.
• International Medical Group (IMG): Specialist in travel medical insurance, international health plans, and travel protection. Direct peer for AXA USA's medical-heavy, internationally-traveling customer base and reliance on a global provider network.
• Trawick International: Travel insurance provider specializing in single-trip, annual, group, and student plans, with a strong digital agency distribution platform (Vizay). Comparable in product breadth and reliance on multiple carrier partners.

Broad incumbents

• Allianz Travel Insurance: US arm of Allianz Partners, one of the largest travel-insurance distributors globally. Offers single-trip, annual, and rental-car protection through DTC and embedded channels, competing head-to-head with AXA USA across all plan tiers.
• AIG Travel (Travel Guard): AIG's travel insurance division offers single-trip, annual, and group plans with 24/7 assistance. As a top-tier incumbent carrier-backed competitor, it overlaps AXA USA across product tier, underwriting depth, and global assistance network.
• Berkshire Hathaway Travel Protection: Travel insurance division of Berkshire Hathaway Specialty Insurance. Offers single-trip and annual plans with AirCare and ExactCare products. Comparable in product positioning and award recognition (Squaremouth, Forbes Advisor lists).

Emerging players

• Faye: Digital-first travel-insurance startup offering app-based, claims-tech-enabled coverage. Competes with AXA USA for younger and frequent travelers by emphasizing real-time claims via mobile rather than call-center assistance.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about axa assistance usa