That depends on where exactly on the map you’re coming from.

Because one of Luxembourg’s many claims to fame is its tiny village of Schengen, where, way back in 1985, a handful of European countries made history by signing what’s known as the Schengen Agreement. This, in turn, gave birth to the Schengen Zone.

And while said zone allows Luxembourgians (and other Schengen and EU citizens) to travel most of Europe visa-free*, most non-Europeans need to apply for a Schengen visa to visit.

*IMPORTANT PRO-TIP: Some Schengen border controls have been temporarily reinstated in recent years (mainly for security reasons).
But AXA can tell you all about which European countries may be reinstating border controls too (and why).

Meanwhile, one of the mandatory requirements for a Schengen visa to Luxembourg (and/or any of its Schengen neighbors) is that you have the proper Schengen travel insurance. So…

Who doesn’t need a Schengen visa to come to Luxembourg (for stays of less than 90 days)?

You can go to Luxembourg (and the rest of the Schengen/EU) for up to three months* visa-free if you are:

• A citizen of one (or more) of the Schengen countries and/or the EU;
• A holder of a valid residence permit issued by a Schengen member country;
• A citizen of a non-Schengen EU member country (i.e., Cyprus or Ireland)
• A citizen of a non-EU country (and/or territory) that has signed a visa exemption agreement with the EU.
  → This includes roughly 60 nations, with Australia, Brazil, Canada, the U.K., and the U.S. being among the more popular ones.

Who needs a Schengen visa for Luxembourg?

However, if you’re traveling on a passport issued by a country that has not signed a visa waiver agreement with the EU - then you will, indeed, need that Schengen visa.
This applies to citizens of over a hundred nations - with China, India, and Russia being the more popular ones.

EU PRO-TIP: The European Commission graciously provides full lists of all countries that do and do not have visa waiver agreements with the EU.

And, of course, Schengen experts AXA can also help you answer one of the world’s leading European travel questions, which is:

Do I need a Schengen visa?

How do I get a Schengen visa for Luxembourg?

And if you do need that Schengen visa, we can help make your Luxembourgian travels smoother by first helping you answer:

What type of Schengen visa do I need?

How much does a Schengen visa cost?

How long does it take to process a Schengen visa?

And then, of course, with our step-by-step guide on: How to get a Schengen visa for Luxembourg
You’re welcome!

IMPORTANT NOTE: Keep in mind that - visa or no visa - you can not stay in Luxembourg for more than 90 days in any 180-day period* if you don’t have the appropriate documentation (for example, a residence permit or a Long-Stay (aka Type D or “national”) visa).

*PRO-TIP: But AXA can also gladly help you wrap your head around the often confusing Schengen visa 90/180-day rule too!

What are the travel insurance requirements to be granted a Luxembourg Schengen visa?

For your visa application to be accepted by the Luxembourgish/Schengen authorities, you’re going to need a travel insurance plan* that meets some specific EU requirements of its own.

*PRO-TIP: And remember - you’ll need to have this plan already in place when applying!

According to the European Commission, you must have a travel insurance plan:

• purchased from an insurance company validated by the consular authorities of all Schengen countries
• with a minimum coverage of €30,000 in medical expenses (such as hospitalization, emergency treatment, and repatriation — including in case of death);
• covering you in all the Schengen member countries
• valid for the entire duration of your stay in the Schengen Area.

PRO-TIP: Fortunately, all of AXA’s plans meet the EU criteria above (see below)! But for the more legally curious, AXA has all the deets about travel insurance requirements for a Schengen visa too.

If I don’t need a Schengen Visa for Luxembourg, do I still need travel insurance?

Travel insurance is not mandatory – but highly recommended

If you’re among the lucky travelers who don’t need a Schengen visa to visit Luxembourg, travel insurance isn’t a legal requirement.
Still, getting quality coverage for your trip is one of the smartest decisions you can make. Because, let’s face it — even in one of the safest countries in the world, accidents and unexpected events happen.

Adventure awaits – but so do risks even in Luxembourg!

Wandering the cobbled streets of Luxembourg City? Navigating its underground tunnel network? Scaling one (or, a few) of the country’s 70+ medieval castles? Hiking “Little Switzerland”? Or simply enjoying some local pork, beans, and one (or, a few) of the country’s thousands of regional wines?
Now imagine the flip side: a mishap, sudden illness, or unexpected fall that calls for medical assistance.
Without insurance, you might face:

• Complicated hospital procedures
• Administrative red tape.
• Expensive healthcare costs, especially for repatriation.
• Stressful logistics if you rely on ongoing medication, have a pre-existing condition, or are pregnant.

Why comprehensive travel insurance is worth it when visiting Luxembourg

A reliable travel insurance plan gives you far more than just peace of mind.
It ensures:

• 24/7 assistance for medical or travel emergencies
• Coverage for repatriation, hospitalization, and unforeseen costs
• A smoother experience for you and your family if something does go wrong
  … Wherever your journey through Luxembourg takes you, from the capital to the village of Schengen and everything in between.

→ So no, you don’t have to be insured to enter Luxembourg. But having the right policy can make the difference between a trip that’s perfect and one that’s perfectly stressful.

What does AXA Schengen travel insurance cover?

There are countless reasons why millions of travelers worldwide choose AXA’s Schengen travel insurance plans every year. Including a good chunk of that 1.2 million going to Luxembourg.

For one, with AXA, you have the peace of mind and confidence of knowing you’re supported by an expert, decades-trusted, world-renowned Schengen travel insurance brand. Which can go a long way - from your Luxembourg Schengen visa interview all the way to your flight back.

But here are a few more key factors to consider. AXA’s plans:

• Meet all the criteria required by the Schengen/EU for being granted a Schengen visa
• Are accepted by all Luxembourgish (and other Schengen) embassies, consulates, and visa application centers worldwide
• Offer a fast and easy online subscription
• Provide a world-renowned instant travel insurance certificate
• Are valid for the Schengen area + the European Union + the United Kingdom (see plan options below)
• Offer a full refund in case your Schengen visa application is denied

Moreover, with AXA, you have:

• No age limitation, zero deductibles, and no medical exams
• Coverage of medical and repatriation costs of up to €2 Million
• Civil liability and personal liability insurance
• Death and disability coverage
• Baggage insurance (either included or optional)
• Upgrade options
• Flexibility in terms of time (and costs): coverage options for just one day, up to six months, or an entire year
• 24/7 emergency assistance
• Free remote medical consultation in English (and other languages) with Doctor, Please!
• The ability to purchase a plan on behalf of someone else

And much, much more!

What travel insurance options does AXA offer for Luxembourg?

But don’t just take our word for it. Here’s an overview of the specific coverage options AXA has for your Luxembourgian adventure.

PRO-TIP: Make sure to click on each plan to learn more!

-AXA SCHENGEN BASIC: our most standard coverage, BASIC meets all the EU requirements for your Schengen visa and covers you in all Schengen countries
+ 4 European microstates (i.e., San Marino, Andorra, Monaco, and Vatican City).

-AXA SCHENGEN ESSENTIAL: complete, affordable European coverage that also meets all EU Schengen visa requirements while covering you in all Schengen countries, all EU countries, the European microstates above - plus the UK!

-AXA SCHENGEN PREMIUM: with its all-inclusive, zero stress or worry coverage, PREMIUM provides countless benefits while also meeting all EU Schengen visa requirements, and it also covers you in all Schengen and EU countries, all the European microstates, and the UK.

-AXA SCHENGEN ANNUAL: and our yearly plan also meets all EU Schengen visa requirements while providing countless benefits and coverage across all Schengen countries, EU countries, the microstates, and the UK. However, perfect for holders of (or applicants for) multiple-entry Schengen visas and/or frequent travelers to Europe, ANNUAL offers a single contract for a full year!

So whether you’re booking your visa appointment, already looking for Luxembourg flights, or both — take a quick second to explore the plans above,

What should I do if I’m injured or ill while in Luxembourg?

In case of any unforeseen medical mishaps, remember that AXA is by your side. So stay calm, get out your phone, and just contact the AXA call center.*

Our world-class medical professionals are standing by 24/7. And no matter where in Luxembourg you happen to be, they’re ready to answer questions, provide guidance and support, and - if need be - direct you to the nearest medical facility.

*PRO-TIP: The number will also be provided with your insurance policy.

What to Provide When Contacting AXA

• Your policy number (which begins with "SCH");
• The address and telephone number at which you can be reached (as well as the details of any people that can be contacted locally);
• Your dossier number (provided during your initial call).
  

List of Emergency Numbers in Luxembourg

And here are a few more essential numbers to keep on hand (along with AXA’s):

112 – General EU emergency number (ambulance, fire brigade, and police).​

113 – Grand-Ducal Police (non-life‑threatening emergencies).​

116000 – Missing or distressed children helpline.​

45 45 45 – SOS (Détresse crisis line for emotional support).

PRO-TIPS: The country code for Luxembourg is +352.
And a listing of other helpful services can be found via the Luxembourg government’s official service portal.

More practical tips + fun facts for prepping your trip to Luxembourg

And, finally, here are a few more Luxembourg pointers to help you get around:

• Capital: Luxembourg City.​
• Currency: the euro (€).​
• Free public transport (for everyone!): Since 2020, Luxembourg has made almost all public transport free across the entire country — and that’s for both locals and tourists.
• Tiny country, big neighbours: Luxembourg borders Belgium, France, and
  Germany, making it a perfect mini‑hub for cross‑border day trips.​
• Three languages, one country: Luxembourgish, French, and German are all official, and you will often see all three on signs and documents (but don’t worry — English is widely spoken and accepted too).
• One of the world’s safest destinations: Both the country and its capital regularly rank among the safest places to live in and to visit worldwide (with one of Europe’s highest qualities of life to boot).​
• A vibrant underground (literally): The famous Bock and Pétrusse casemates form part of Luxembourg City’s old fortifications, stretching for kilometres in every direction under the capital.​
• A big player in European finance: Luxembourg is also a major global center for banking and investment funds, hosting several prominent EU financial institutions.
• Small place, serious wine: The Moselle Valley is packed with vineyards, and Luxembourg produces thousands of wines and crémants (like Champagne, but different) that are popular well beyond its borders.​
• Nature at your doorstep: In just a short drive (or even walk), you can go from bustling city streets to forests, rock formations, hiking trails, and generally breathtaking great outdoors.​

For more inspiration, maps, and local events, check out the official Luxembourg tourism site. As for the best travel insurance for your Luxembourgian getaway… well, you already know!

Sécher Rees (aka “safe travels”)!

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FAQ

Will my European Health Insurance Card (EHIC) work in Luxembourg?

Yes, an EHIC works in Luxembourg. However, it only gives you access to medically necessary, state‑provided care during a temporary stay (under the same conditions and cost‑sharing as residents), and does not cover private care, repatriation, and so on. Additional travel insurance is, therefore, still highly recommended.

Can I take out an AXA Schengen travel insurance plan for Luxembourg for someone else?

Yep! AXA lets you easily take out a plan on behalf of visiting guests, friends, business partners, and/or loved ones. All we need to issue the policy is their personal info (i.e., DOB, address, passport number, and itinerary).

Can I go to Luxembourg on a Schengen Visa from another country?

Yes. A Schengen Visa allows you to travel to and throughout all Schengen countries. But keep in mind that you should apply with the country in which you plan to spend the most time.
FINAL PRO-TIP: But fear not - AXA can also gladly explain the Schengen visa First Point of Entry rules.