Travel Insurance by AXA

Recommended Travel Insurance for Schengen

If you love traveling abroad,it would certainly spoil the fun if you encounter unexpected events in a foreign country.Buying travel insurance before starting your trip is therefore a worthwhile and convenient choiceto protect against various risksthat could occur throughout your travels. Rin recommends choosing the top-tier plan for each trip—costing a little over 2,000 THB (baht) per trip—to get the highest coverage available on the market for complete peace of mind. It is only about 1,000 THB more than the lowest plan, but provides excellent protection. 

AXA Travel Insurance

Insurance that protects both life and property in the event of an accident or loss during travel, including illnesses while traveling abroad that could lead to exorbitant medical expenses. (Travel agency insurance typically only covers accidents and does not cover illnesses from various diseases, so we should also purchase additional coverage ourselves.)

Rin recommends AXA travel insurance plans because they cover both outpatient (OPD) and inpatient (IPD) medical expenses. Especially when traveling in Europe, AXA is the best choice because its headquarters is located in France and it is the largest insurance company in Europe. Rin recommends AXA because making claims in Europe is easy, with a network of over 39,400 affiliated medical facilities worldwide where policyholders do not need to pay out-of-pocket in advance, plus an AXA hotline that can be contacted 24/7 for assistance from anywhere in the world.

How many types of AXA travel insurance are available?

Smart Traveller Plus travel insurance is divided into 2 types:

1 Single Trip: divided into 6 plans: Eco, Plus-Lite, Silver, Gold, Platinum, and Emerald

2 Annual Trip: divided into 6 plans: Eco, Plus-Lite, Silver, Gold, Platinum, and Emerald

#Rin recommends choosing the Emerald plan right away. 

For those planning to travel frequently throughout the year, whether for leisure, work, or personal business, we recommend purchasing annual travel insurance for better value. The best plan is Emerald, costing a little over 9,000 THB (baht) per year. 

Because in addition to buying once for year-round coverage without worrying about departure and return dates, the annual travel insurance plan covers up to 90 days per trip and saves time spent searching for a new travel insurance plan for your next journey.

How to buy travel insurance online—what do you need to do?

To ensure your travel insurance coverage takes effect immediately from the start of your trip, you can purchase the insurance at any time as long as you are still in Thailand. #Note: you must purchase before traveling! 

However, ideally, you should purchase insurance immediately after booking or paying for your trips to ensure you receive full coverage for unexpected events that may occur both before and during your travels. 

Which plan should you choose for a Schengen Visa?

Travel insurance plans used for Schengen visa applications must meet the following coverage requirements:

1. Minimum coverage of 30,000 EUR or approximately 1.5 million THB (baht)
2. Covering expenses related to repatriation to Thailand in case of illness, emergency medical treatment, and/or hospitalization, or death while in the Schengen area
3. Covering the entire travel duration from departure from Thailand until arrival back in Thailand

AXA travel insurance plans accepted by embassies for Schengen visa applications are Plus-Lite, Gold, Platinum, and Emerald, marked with the “Schengen Visa Approved” symbol.

If the visa is not approved, the company will issue a full refund of the insurance premium upon presentation of official confirmation from the embassy, provided the insured notifies the company prior to the coverage start date.

*Terms and conditions are as specified by the company; buyers should thoroughly understand them before deciding to purchase insurance each time.

Example of 5 insurance plans for a 15-day trip, showing premiums at each tier and a comparison of coverage benefits:

Interested in purchasing travel insurance, contact Rin: https://line.me/ti/p/~004207289999999