TL;DR
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Key facts: legal entity, regulatory status and product range
| Field | Detail | Source |
|---|---|---|
| Underwriting entity | Inter Partner Assistance S.A. (Belgian entity) | axatravel.co.uk |
| Underwriter UK branch address | 106-118 Station Road, Redhill, RH1 1PR | axatravel.co.uk |
| Underwriter FCA reference number | 202664 | axatravel.co.uk |
| Administrator | AXA Assistance (U.K.) Limited (FRN 439069) | AXA ToBA document |
| AXA Insurance UK Plc - FCA FRN | 202312 (parent group entity; does not underwrite axatravel.co.uk policies) | axa.co.uk/regulated-by |
| AXA Insurance UK Plc - company number | 00078950 (England and Wales) | Companies House |
| AXA Insurance UK Plc - registered office | 20 Gracechurch Street, London, EC3V 0BG | Companies House |
| Product range | Single Trip and Annual Multi-Trip; cover tiers: Gold, Silver, Bronze | axatravel.co.uk |
| Headline published pricing | UNVERIFIED - no prices published; quote required online | axatravel.co.uk |
About AXA travel insurance: structure and underwriter
AXA is one of the largest financial services groups in the world, with its UK operations spanning general insurance, health, protection and investment. The travel insurance sold via axatravel.co.uk operates under a distinct structure from AXA's car and home insurance products.
The travel policies on axatravel.co.uk are underwritten by Inter Partner Assistance S.A. - a Belgian-incorporated entity that forms part of the AXA Group and specialises in assistance and protection services. Inter Partner Assistance S.A. is authorised by the National Bank of Belgium and its UK branch is subject to regulation by the Financial Conduct Authority (FCA reference number 202664) and limited regulation by the Prudential Regulation Authority. Its UK branch address is 106-118 Station Road, Redhill, Surrey, RH1 1PR.
Administration of the policies is handled by AXA Assistance (U.K.) Limited (FCA reference 439069). This distinction matters for consumers: if making a complaint or checking regulatory status, the relevant FCA entry for the underwriter of an axatravel.co.uk policy is Inter Partner Assistance S.A. (FRN 202664), not AXA Insurance UK Plc (FRN 202312) which underwrites AXA car, home and business insurance.
AXA Insurance UK Plc (FRN 202312, company number 00078950, registered at 20 Gracechurch Street, London EC3V 0BG) is authorised by the Prudential Regulation Authority and regulated by both the FCA and the PRA. It is the legal entity behind AXA's car, home, landlord, business and van insurance products sold in the UK but is not the underwriting entity for the retail travel insurance policies reviewed here.
Product range: tiers and cover levels
AXA travel insurance via axatravel.co.uk offers two core policy types: Single Trip and Annual Multi-Trip. Both are available in three cover tiers - Gold, Silver and Bronze - allowing customers to select a level of protection proportionate to their trip value and risk appetite.
Annual Multi-Trip policies cover an unlimited number of trips within the policy year, with each trip required to start and end in the UK and not exceed 31 days in duration. Optional winter sports cover can be added to any tier.
All three tiers include 24/7 access to a doctor via the Dr Please! telemedicine service, which allows policyholders to consult an English-speaking doctor remotely from anywhere in the world during their trip. This is an included feature, not an optional add-on.
Cover limits by tier
| Cover type | Gold | Silver | Bronze |
|---|---|---|---|
| Emergency medical expenses | Up to £15,000,000 [1] | Up to £10,000,000 [1] | Up to £10,000,000 [1] |
| Cancellation and curtailment | Up to £5,000 [1] | Up to £3,000 [1] | Up to £1,000 [1] |
| Baggage cover | Up to £3,000 [1] | Up to £2,500 [1] | Up to £1,000 [1] |
| Travel disruption cover | Up to £5,000 [1] | Up to £3,000 [1] | Up to £1,000 [1] |
| Personal accident | Up to £25,000 [1] | Up to £15,000 [1] | UNVERIFIED - not stated for Bronze tier |
| Policy excess | £50 [1] | £75 [1] | £100 [1] |
| 24/7 doctor access (Dr Please!) | Included [1] | Included [1] | Included [1] |
| Winter sports (optional add-on) | Available [1] | Available [1] | Available [1] |
[1] Source: axatravel.co.uk/annual-multi-trip (June 2026). Cover limits apply per policy; individual trip limits may apply. Refer to policy documents for full terms.
Pricing
AXA travel insurance (axatravel.co.uk) does not publish list prices on its product pages. Premiums are individually risk-rated and customers must use the online quote tool to obtain a personalised price. This is standard practice for retail travel insurance in the UK. Prices will vary based on age, destination, trip duration, declared pre-existing conditions and chosen tier. No advertised or illustrative starting price was available from the official website at the time of review (June 2026). Any figures cited as "AXA travel insurance from X" on third-party sites are not confirmed by the official product pages.
For context on what travel insurance can cost across the UK market and what it may protect against, see the best travel insurance UK hub and the England vs Croatia World Cup 2026 travel guide for event-specific insurance considerations.
What AXA travel insurance covers and what it excludes
The three tiers share a common set of core covers, with the main differences being the financial limits and the policy excess. All tiers include emergency medical expenses, cancellation and curtailment, travel disruption, baggage cover and personal accident (subject to limits varying by tier). All tiers include the Dr Please! 24/7 telemedicine benefit.
Exclusions apply across all tiers. Standard exclusions for travel insurance typically include: travel to destinations against FCDO advice, incidents caused by alcohol or drug use, pre-existing medical conditions not declared and accepted at the time of purchase, and specific high-risk activities not covered by the standard policy. Winter sports require an optional add-on. Travellers should read the full policy wording carefully, particularly regarding pre-existing conditions, as the consequences of a non-disclosure can result in a claim being declined.
The ABI notes that in 2024 medical expenses accounted for 34% of all travel insurance claims paid, with the average medical claim at £1,528. However, individual claims can be very much higher: the GOV.UK foreign travel insurance guidance cites uninsured hospital treatment in the USA as potentially exceeding £150,000. The £15M (Gold) and £10M (Silver and Bronze) medical limits are therefore generous relative to even the most extreme real-world scenarios.
Who AXA travel insurance suits and who it does not
AXA travel insurance via axatravel.co.uk suits: travellers who want a well-structured, tiered product with high medical limits at all cover levels; those who value the included 24/7 telemedicine service; frequent travellers who want annual multi-trip cover with a recognisable brand; and those planning trips where a £5,000 cancellation limit (Gold) is relevant - for example, higher-value holidays or trips involving non-refundable bookings.
It is less suitable for: travellers who want to see a price before starting the quote process (no published tariff); those who specifically want a UK-domiciled underwriter rather than a Belgian-incorporated entity; those who need cover for trips longer than 31 days per trip on an annual policy without purchasing an extension; or those with complex pre-existing conditions who need specialist underwriting. For news and context on flight-related travel risks, see the Munich Airport disruption and UK passenger rights guide.
How to check AXA's regulatory status
Consumers can verify the regulatory status of Inter Partner Assistance S.A. (the underwriter of axatravel.co.uk policies) by searching FRN 202664 on the FCA Financial Services Register at register.fca.org.uk. AXA Assistance (U.K.) Limited (the administrator) can be found under FRN 439069. AXA Insurance UK Plc (FRN 202312) is a separate entity covering car, home and business insurance, not travel insurance sold via axatravel.co.uk. If in doubt, check the policy documents provided at point of sale which must state the authorised underwriter.
For broader context on travel insurance options for travellers with specific health needs, see the Travel Insurance for Cancer Patients UK guide and the FIFA World Cup 2026 travel guide for UK fans.
Disclaimer: This review is editorial and informational only. It does not constitute financial advice. Cover terms, limits, pricing and eligibility rules are set by the insurer and may change at any time. Verify all current policy details, including regulatory status, directly with AXA via axatravel.co.uk and by checking the FCA register at register.fca.org.uk before purchasing. Prices are individually risk-rated and no published price is available from official sources. This review reflects information available at axatravel.co.uk in June 2026.
Who underwrites AXA travel insurance sold via axatravel.co.uk?
Policies sold on axatravel.co.uk are underwritten by Inter Partner Assistance S.A. (FCA reference number 202664), a Belgian entity and part of the AXA Group, with a UK branch at 106-118 Station Road, Redhill, RH1 1PR. Administration is by AXA Assistance (U.K.) Limited (FRN 439069). AXA Insurance UK Plc (FRN 202312) is a separate entity covering car, home and business insurance.
What are the three AXA travel insurance tiers?
AXA travel insurance is offered in Gold, Silver and Bronze tiers for both single trip and annual multi-trip policies. Gold has a £50 excess, up to £15M emergency medical, up to £5,000 cancellation, up to £3,000 baggage and up to £25,000 personal accident. Silver has a £75 excess, £10M medical, £3,000 cancellation, £2,500 baggage and £15,000 personal accident. Bronze has a £100 excess, £10M medical, £1,000 cancellation and £1,000 baggage.
Does AXA travel insurance publish its prices?
No. AXA travel insurance via axatravel.co.uk does not publish list prices on its product pages. Premiums are individually risk-rated and a quote must be obtained via the online portal. The premium will depend on age, destination, trip duration, declared pre-existing conditions and chosen tier.
Does AXA travel insurance cover pre-existing medical conditions?
Pre-existing medical conditions must be declared when buying a policy. The policy will either accept them (possibly at a higher premium or with specific exclusions) or decline cover for those conditions. Failure to declare a pre-existing condition can result in a claim being declined. Travellers with complex or serious conditions should read the policy terms carefully and contact AXA directly to confirm their specific position before purchasing.
What is the maximum trip length on AXA's annual multi-trip policy?
Annual multi-trip policies from AXA (via axatravel.co.uk) cover trips of up to 31 days each, where each trip starts and ends in the UK. There is no stated limit on the number of trips per policy year. Travellers needing cover for individual trips longer than 31 days should check whether an extension is available or consider a single trip policy for that journey.
How does AXA travel insurance compare to other major providers?
AXA travel insurance sits alongside other major UK providers such as Aviva Insurance Limited (FRN 202153) in offering multi-tier products with high medical limits. A direct comparison requires obtaining quotes from each provider, as premiums are individually risk-rated and not published as a standard tariff. The best travel insurance UK hub provides a starting point for comparing options.
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Key terms explained |
