Schengen Travel Insurance for Europe

Do you cover emergency medical costs related to Coronavirus? 

We will cover your medical costs related to Coronavirus provided you haven't travelled against World Health Organisation or any other government body’s advice in your home country or the country you are travelling to) or medical advice.

The embassy states that I must get an insurance certificate with Covid protection. Is this possible?

All issued electronic certificates purchased on the axa-schengen site include this disclaimer: “Medical fees related to COVID-19 are covered in the terms, conditions & exclusions established in the insurance policy”.

What are the covered countries?

AXA’s Europe Travel insurance and AXA's annual Multi Trip travel insurance offer extensive protection, covering medical expenses up to €100,000 in the following European countries: Austria, Belgium, Croatia, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland, as well as the United Kingdom, Bulgaria, Cyprus, Ireland, Romania.

AXA's Low Cost  insurance covers medical expenses up to €30,000 in the following European countries: Austria, Belgium, Croatia, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland.

What is Schengen travel insurance ?

Schengen travel insurance provides you with travel and medical insurance for all the 27 countries that make up the Schengen Area - covering you for trips across the continent or holidays in any nation within the Schengen Zone. AXA is the leading provider of this type of insurance.

Here is the complete list of countries that you can visit with Schengen insurance (provided you have a Schengen visa) : Austria, Belgium, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, The Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland.

Why do I need travel insurance to visit Europe ?

A requirement for obtaining a Schengen Visa is to have insurance covering you in all states in the Schengen Area up to medical costs of €30,000. The easiest way to do this is to obtain Schengen travel and medical insurance from an accredited provider, such as AXA, which is the leading brand for this type of insurance.

Not all travelers require a Schengen Visa to travel to the Schengen Area, as countries including the U.S.A., Mexico, Brazil, and Canada have visa-free arrangements with the Schengen Zone. However, it is still strongly recommended you obtain insurance as all your medical costs, or those you may incur should something go wrong on your trip, may not be covered without obtaining travel insurance. If you are planning to travel to more than one Schengen country or want to be flexible with your itinerary, it is also a great way to ensure you are covered in the majority of countries in Europe.

If you are a U.K national, we recommend you to read our detailed guide on the effects of Brexit on travel and residency in Europe.

Will getting travel insurance ensure I get a Schengen visa ?

Although it is an essential document to supply when applying for a Schengen Visa, you will also need to supply other supporting documents that outline the reasons for your visit, your itinerary and accommodation plans, as well as how you intend to support yourself and any plans to work or study. Your application may also be rejected by embassy officials - but this is relatively rare as long as all your documents are in order.

How can AXA help with your travel insurance ?

AXA can help by providing you with Low Cost Schengen Area travel insurance that meets your visa requirements when traveling to the Schengen Area from as little as €22 per week - a fee that will cover you for medical expenses up to €30,000 in all Schengen countries - a price that isn’t too hard on your wallet ahead of your trip! A certificate proving you are insured will also be available immediately, meaning you can get on with your application.

AXA is the number one provider of travel insurance for trips to Europe and offers assistance 24/7, as well as other options and tailor-made products. Other coverage available includes our Europe Travel insurance, costing €33 per week, or Schengen Multi Trip insurance, which is perfect for regular travelers and available for €328 for a year’s coverage.

What should I do if I have a medical issue while in the Schengen Area?

Please contact us as soon as possible on the phone number given with the special conditions you receive after taking out your policy. Our helpful staff will then do all we can to resolve your issue and get you treatment or travel home, in line with the conditions of your policy.

Frequently asked questions about countries covered by Schengen travel insurance

1 - Does Schengen insurance cover countries other than those in the Schengen Area ?

Other than those microstates mentioned, no. If you plan to travel to countries outside the Schengen Area, you will need to get insured there, though this will not affect your Schengen travel insurance covering you while inside the area.

2 - I want to buy travel insurance for my partner and children as a group. Can I do so ?

Yes. You can buy for up to 10 people with only one payment.

3 - Can I get a refund if my Schengen Visa application is refused?

Subject to certain conditions, yes. However, you will need to provide documentation from the embassy, consulate, or visa application center where you applied stating the reason for the refusal.