AXA Travel Protection (US) eligibility rules
Classic pre-departure trip protection, US only. Every row below is taken from AXA Travel Protection (US)'s own policy wording, FAQ or terms, with the date we last checked it.
The rules in full
| Rule | Answer | What the wording says | Confidence |
|---|---|---|---|
| Who can buy it | Specific countries only | US residents only (reportedly excl. NH & MA). | verified |
| No fixed country of residence | No | US residency required. | verified |
| Buying after you have left home | No | Must buy at least a day before departure (official FAQ). | verified |
| Maximum age | No stated cap | No published maximum; purchaser must be 18+. | partly |
| One-way and open-ended trips | No | Not supported/marketed. | partly |
| Longest trip | 180 days | Explorer OnTrip to 180 days; other plans 30–120. | verified |
| Pre-existing conditions | With conditions | Waiver if bought within 14 days of initial deposit (Select/Elite). | verified |
| Cover in the USA | Yes | US-resident market, domestic + international. | verified |
| Schengen visa certificate | No | Not a visa-letter product. | partly |
| Winter sports | Not verified | Wording not verified. | low |
| Scuba diving | Not verified | Not verified. | low |
| High-altitude trekking | Not verified | Not verified. | low |
| Scooters and motorbikes | Not verified | Not verified. | low |
| Working abroad | Not verified | Not verified. | low |
| Trip cancellation | Yes | Core benefit; CFAR upgrades on higher tiers. | verified |
| Families | Yes | Multi-traveller plans. | partly |
Who underwrites it
Nationwide Mutual / Nationwide Life; administered by AXA Assistance USA. The carrier matters more than the brand: it is the entity that actually pays your claim and the one whose regulator you would complain to.
Our commercial relationship
We may earn a commission if you buy through our link to AXA Travel Protection (US). That is disclosed on every link, and it never changes where they appear or in what order. $12–$90/sale; 15% for premiums $700+ (reported); cookie reports conflict (7 vs 45 days).
Sources: axatravelinsurance.com, ui.awin.com. Checked 2026-08-03. This is information about published eligibility rules, not advice, and not a guarantee of cover.