Europe Schengen Travel Visa Insurance

Europe Schengen Travel Visa Insurance

Europe Schengen Travel Visa Insurance –  If you are visiting Europe, travelers should be able to handle and financially cover medical services in case of an accident, injury, or any other sudden event.

Europe Schengen Travel Visa Insurance

To take care of unexpected expenses that arise while traveling, having travel insurance has been proven to help travelers with financial support and comfort to continue their travel journey without worries.

Medical insurance for a Schengen visa must meet the following criteria:

  • A minimum coverage of medical costs: at least 30,000 EUR (equivalent to 31,500 USD as of June 2022).
  • It should cover all member states of the Schengen Area.
  • Cover any expenses which might arise in connection with repatriation for medical reasons, urgent health attention, and/or emergency hospital treatment or death.

Travel insurance companies AXA and Europ Assistance provide the mandatory insurance certificate required when applying for a Schengen visa.

Even though travel health insurance is worth having for all travelers to Europe, not everyone is required to have it. A travel insurance policy is a mandatory requirement only for travelers who need to apply for a Schengen visa. This group of travelers is always required to have the needed coverage for the entire period of their stay in Europe, regardless if they go there for business, tourism, studying, holidays, or other reasons.

Foreign travelers visiting Europe who enjoys visa-free travel to the Schengen zone can get their preferred travel insurance policy if they want to and while it is highly recommended – they are not required to.

Travel insurance plans Schengen Plus from Europ Assistance and Europe Travel from AXA not only provide the mandatory insurance certificate needed for a Schengen visa but, also offer extended coverage wherever you travel in the Schengen area or the EU. The countries covered include the Schengen area, plus EU countries: Bulgaria, Romania, Croatia, Cyprus, and Ireland.

Travel Insurance Is a Must When Applying for a Schengen Visa

Extract from “Regulation (EC) No 810/2009 of the European Parliament and of the Council of 13 July 2009”, which entered into force on April 5 of 2010:

“… Applicants for a uniform visa for one or two entries shall prove that they have adequate and valid travel medical insurance to cover any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention, and/or emergency hospital treatment or death, during their stay(s) on the territory of the Member States.
The insurance shall be valid throughout the territory of the Schengen Area Member States and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30,000” (…)

Who Must Purchase Travel Health Insurance for Europe?

Anyone traveling temporarily to Europe from a country that is subject to visa requirements, be it individual visitors or group visitors, tourists, or business travelers.

The Europe travel health insurance policy can easily be purchased online from AXA, Europ Assistance, or Insurte at a very low cost.

Who Provides Schengen Travel Insurance?

First and foremost, the health insurance policy that you might already possess through your employment contract might cover international medical emergency expenses, however, there are usually limitations to what is covered. Therefore, one shall be well aware of what to expect and what not to expect when having a medical issue in Schengen territory.

Usually, travelers purchase an individual Schengen travel insurance policy for the days planned to spend in Europe at the rightful insurance provider.

Make sure the company you choose is licensed and accepted in the Schengen country you are planning to travel to.

We recommend buying Schengen visa insurance from AXA or Europ Assistance. All these companies are accepted by European Embassies and Consulates worldwide. You can also cancel it free of charge if you present proof that your visa has been rejected.

How Much Does Schengen Insurance Cost?

Schengen travel insurance can be very affordable, with prices for a one-week insurance policy as low as €18 – €20. However, the cost of Schengen insurance ultimately depends on several factors – your age, how much coverage you want, the trip duration, as well as the specific insurance company.

  • AXA Assistance
  • Europ Assistance

Here are the insurance premiums from AXA Assistance.

Duration of travel AXA Low Cost
(Schengen area only)
AXA Europe Travel
(Extended protection, Schengen + EU countries)
up to 8 days 20 EUR 30 EUR
up to 16 days 36 EUR 55 EUR
up to 31 days 56 EUR 74 EUR
up to 45 days 65 EUR 103 EUR
up to 62 days 73 EUR 117 EUR
up to 90 days 89 EUR 152 EUR
up to 105 days 110 EUR 176 EUR
up to 180 days 168 EUR 271 EUR
up to 365 days 298 EUR (AXA Schengen Multi Trip)

For more information about choosing the best Schengen insurance plan for your needs, please visit the AXA website, Europ Assistance, or Ensure.

Travel Insurance for Seniors Travelling to Europe

If you are looking to buy travel insurance for seniors, read our article “Travel Insurance for Senior Citizens & Pensioners Travelling to Europe“.

Coronavirus & Travel Insurance Restrictions

The World Health Organization (WHO) on March 11, 2020, declared COVID-19 a pandemic.

Do Schengen Visa Insurance Plans Cover COVID-19?

Yes, some Schengen insurance policies cover COVID-related illness, provided that when you travel, you respect the laws and regulations of your country’s government and the World Health Organization (WHO). COVID-19 insurance covers the following:

  • Health emergencies related to COVID-19, including medical treatment, medication, and hospitalization.
  • PCR test (sometimes).

Expenses related to quarantine requirements, such as accommodation, are not covered.

The amount of COVID insurance coverage depends on the specific policy. For example, AXA  covers your medical and repatriation costs if you fall ill with COVID-19 and “related illnesses”, whereas MondialCare covers all medical consequences of contracting COVID-19 as well as a positive PCR test (but not a negative one).

Some insurance companies, on the other hand, do not cover any expenses related to epidemics or pandemics, including COVID-19, under any circumstances.

Whether an insurance company covers COVID will be stated in their policy features and terms and conditions, so make sure you read the fine print well.

If you are unsure which medical insurance plan to choose when traveling to Europe or applying for a Schengen visa, then we suggest visiting the Insurte comparison website and comparing travel medical plans offered by different health insurance companies like AllianzMutuaide, etc.

What if the embassy asks for a Schengen insurance certificate with COVID protection?

If your insurance policy includes Schengen protection, then it should state so on the certificate. If your insurance certificate does not explicitly state that you have COVID protection, you could ask your insurer to provide you with one that does.

Can I extend my European travel health insurance if I need to prolong my trip due to COVID-19 travel restrictions?

If your trip in Europe is extended due to COVID travel bans, and your travel insurance is about to expire, you can purchase a new insurance policy or renew your existing one. You will, of course, have to pay an additional charge. Check with your travel insurance company regarding their rules on the extension or renewal of a policy.

If I need to prolong my trip due to a closure of the airport or due to official travel restrictions, can I extend my European travel health insurance?

Each travel insurance company applies its own rules. Get in touch with their customer service/support team to know the details. It should be possible to either get a refund for your current policy or be able to extend your current travel policy.

Helpful Tips About Europe Visa Insurance

As aforementioned, before purchasing another travel insurance policy for your upcoming travel to Europe make sure that the one you already have doesn’t cover or alleviate any international health emergency costs.

In case your policy does cover some international medical costs carefully check the restrictions and limitations of the travel insurance policy.

If you are traveling by car in the Schengen region and cannot afford to pay crazy amounts of money in case of an unpredictable car accident – or simply you are not willing to give all that money away, you should consider purchasing combined travel insurance including health matters as well as valuable possessions.

Depending on the travel destination the risk of illness varies with the changes in the climate or the natural habitat (unfamiliar microbe residents). It’s highly recommended for people with preexisting conditions like allergies, for example, to carry their medical file from their physician describing the condition and the drugs prescribed to maintain it. In case one has a chronic disease, again, it’s smart to be carrying the prescribed drugs in the amount needed for the days spent traveling in Europe.

What Does Europe Travel Health Insurance Policy Usually Cover?

A good travel insurance policy for Europe should cover the following costs:

  • Medical emergency (accident or sickness) while in the Schengen Area
  • Emergency evacuation
  • Repatriation of remains
  • Return of a minor
  • Trip cancellation
  • Trip interruption
  • Accidental death, injury, or disablement benefit
  • Overseas funeral expenses
  • Lost, stolen, or damaged baggage, personal effects, or travel documents
  • Delayed baggage (and emergency replacement of essential items)
  • Flight connection missed due to airline schedule crash
  • Travel delays due to weather
  • Hijacking
  • Usually, the insurers cover pregnancy-related expenses, if the travel occurs during the first trimester. After that, insurance coverage varies from insurer to insurer.

Travel Medical Insurance policies for traveling to Europe that fulfill Schengen Visa requirements can be purchased online directly on the AXA website, Europ Assistance, or Ensure.

Can I Get Schengen Visa Without Travel Insurance?

Every person applying for a Schengen visa to visit Europe must hold a valid travel insurance policy regardless of the reason for travel (tourism, leisure, business, studies, or other).

Should Travel Visa Insurance Policy Cover All Schengen Area Countries?

Yes, a travel health insurance policy should cover all member states: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

What Is Presumably Excluded or Optional In a Common Schengen Insurance Policy?

Every travel insurance company is different; however, there are ones that offer to cover additional costs if necessary. If not, additional insurance must be purchased to cover explicit costs like:

  • Preexisting conditions (e.g. Asthma, diabetes)
  • Sports with an element of risk (e.g. skiing, scuba diving)
  • Travel to high-risk countries (e.g. Due to war, natural disasters, or acts of terrorism)
  • Acute onset of pre-existing conditions – It means a sudden and unexpected occurrence of pre-existing medical conditions without any prior warning from a health care professional. If you have pre-existing conditions, make sure to get this coverage to protect you against any emergency that arises due to pre-existing conditions despite taking care.

How To Find Cheap Travel Visa Insurance for Europe?

Finding the right cheap travel visa insurance for Europe calls for individual and more in-depth research. This means having to search online on your own for the appropriate travel insurance policy. It is recommended that you make a comparison of products and companies before you decide which company has the cheapest and the best travel insurance for the Schengen visa.

Something not to be confused about is the price, as not all low-cost travel insurance policies contain low-quality services and not all expensive insurance plans have a high-quality offer. That is why, the safest way to properly choose amongst boundless offers of travel insurance companies, is by choosing not the cheapest travel insurance, but the policy which covers all the areas as required by the Schengen visa application requirements.

Why Do We Suggest You Choose AXA, Europ Assistance, or Mondialcare as Your Travel Insurance Partner When Travelling to Europe?

  • All these companies are top leaders in the travel insurance industry
  • They meet all Schengen visa requirements
  • Ideal for
    • Visitors or guests (visitor visa)
    • Business travelers (business visa)
    • Tourists (tourist visa)
    • Group visitors (visitor visa for travel groups)
  • Immediately download your Insurance Certificate / Letter
  • Reimbursement in case of visa refusal (free of charge subject to presentation of proof that a visa has been refused)

Getting your travel visa insurance from AXA Assistance or Europe Assistance will allow you to fully enjoy your travel to the Schengen Area and Europe with peace of mind.

See Also: Turkey Online e-Visa Application Form

Which nationals are required to purchase travel insurance for a Schengen visa?

Nationals and passport holders of any of the following countries are required to buy travel insurance to be able to apply for a Schengen visa.

Afghanistan Gabon Oman
Algeria The Gambia Pakistan
Angola Ghana Papua New Guinea
Armenia Guinea Palestinian Authority
Azerbaijan Guinea-Bissau Philippines
Bahrain Guyana Qatar
Bangladesh Haiti Russia
Belarus India Rwanda
Belize Indonesia Sao Tome And Principe
Benin Iran Saudi Arabia
Bhutan Iraq Senegal
Bolivia Jamaica Sierra Leone
Botswana Jordan Somalia
Burkina Faso Kazakhstan South Africa
Burma/Myanmar Kenya South Sudan
Burundi Kosovo Sri Lanka
Cambodia Kuwait Sudan
Cameroon Kyrgyzstan Suriname
Cape Verde Laos Swaziland
The central African Republic Lebanon Syria
Chad Lesotho Tajikistan
China Liberia Tanzania
Comoros Libya Thailand
Congo Madagascar Timor-Leste
Cote D’Ivoire Malawi Togo
Cuba Maldives Tonga
Dem. Rep. Of Congo Mali Tunisia
Djibouti Mauritania Turkey
Dominican Republic Mongolia Turkmenistan
Ecuador Morocco Uganda
Egypt Mozambique Uzbekistan
Equatorial Guinea Namibia Vietnam
Eritrea Nepal Yemen
Ethiopia Niger Zambia
Fiji Nigeria Zimbabwe
North Korea Northern Mariana’s

Buy now the required medical travel insurance protection for your Schengen Visa at a very low cost from AXA Assistance, or Europe Assistance, or use the Insurte comparison website to compare and find the best and most affordable travel health insurance plan.

What Is Travel Health Insurance?

The concept of travel health insurance relates to covering your medical expenses in case of an injury or unexpected sickness that arises during your trip. In case you are wondering if you need health insurance when traveling to a foreign country depends on the desired destination as well as the ability to personally cover any health care needs during the stay out in a certain foreign country.

However, travel insurance is a must for most people, especially the elderly, people who have predetermined medical conditions and are bound to constant therapy, or most importantly if the traveler’s destination happens to be an underdeveloped region.

Apart from medical expenses, travel insurance is destined to cover different losses suffered during the trip, including one’s own country as well as internationally. Unexpected happenings like lost luggage, cancellation of your flight at the last moment, travel agency, or accommodation bankruptcy will most definitely ruin your trip. Therefore, a travel insurance policy is designed to provide also cancellation insurance using a full or partial refund.

Whether you are traveling once or several times during a short period, the travel insurance policy will match and cover the exact number of days spent in the international territory, in this case, the Schengen territory, the price ranging accordingly.

What Are the Common Restrictions and Limitations?

  • As previously mentioned there are travel insurance companies that don’t provide coverage for preexisting conditions internationally. In case you have a condition before your departure to Europe, you’ve consulted a doctor and are already on treatment and you’ve decided to travel out of the country, in this case, you are not prone to any medical cost alleviation via your insurer. However, if one is proclaimed fit to travel having the condition under control, most commonly travel insurance ought to cover an emergency related to the condition when traveling in an international domain, an acute onset of the preexisting condition.
  • Sports – Participation in high-risk activities such as extreme sports e.g., scuba diving, skydiving, etc., can be excluded.
  • War – Policies may exclude coverage for injuries caused by war when traveling to an endangered war zone.
  • Duration – Many policies specify a time limit for coverage (e.g., 60 days) and the costs differ accordingly.
  • Suicide in an international or domestic domain is excluded from any insurance policy as well as self-inflicted injuries.
  • In the case of any substance abuse, drugs or alcohol, domestic or international the medical expenses won’t be covered by your insurance policy.
Is travel health insurance mandatory for visa-free third-country nationals entering the Schengen Area?

Travel medical insurance is not mandatory for visa-free third-country nationals. Nonetheless, it is highly recommended to get one in case of travel to the Schengen countries.

You can buy medical travel insurance protection for Europe at a very low cost from AXA Schengen or Europ Assistance.

How Do I Book Schengen Travel Visa Insurance From the USA or UK?

If you are applying for a Schengen visa in the USA or UK, you can book travel insurance online directly from Europ Assistance or AXA.

Once you purchase your Europe visa insurance policy, you will be able to download the insurance policy letter that has to be submitted with the Schengen visa application.

Interesting: How to Obtain a German Student Visa

Should we choose travel insurance with a 0 EUR deductible?

It is not a strict requirement to get a Schengen travel visa insurance with 0 EUR deductible, however, we strongly suggest that you get one without a deductible, just to be 100% sure that your Schengen visa application will not be rejected because of the travel insurance policy.

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