What are the different warranties of Schengen insurance?
What do I need to check when booking my insurance?
When taking out a travel insurance policy, it is always important to check its warranties and limits - both so you know that you are choosing the right travel and medical insurance for you, and so there are not any nasty surprises after you try and make a claim. The most basic check to make, should you need a Schengen Visa, is that it meets the minimum requirements needed to obtain your visa - that it is valid for all 29 Schengen states and covers you for expenses up to €30,000.
AXA has a variety of different Schengen travel insurance policies, tailored for different budgets, trips, and depending on what coverage you would like - all with different levels of warranty and limits on claims.
Our cheapest option is the Low Cost Schengen Area travel insurance that meets your visa requirements from as little as €5 per day - a fee that will cover you for medical expenses up to €30,000 in all Schengen countries. A certificate proving you are insured will be available immediately, meaning you can get on with your application.
Other coverage available includes our Europe Travel insurance, costing €9 per day, or Schengen Multi Trip insurance, which is perfect for regular travelers and available for €328 for a year’s coverage. These offer greater warranties and fewer limits on claims, and for lost documents, important items or other problems you may encounter on your trips.
For Terms & Conditions, please click on the "General conditions" link below
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”.
All our policies cover repatriation and medical expenses, however, as AXA Assistance has developed a policy for these, which meets all the requirements of the European Union for obtaining a Schengen visa - the details are below:
| Warranties and limits | Schengen Low Cost | Schengen Europe Travel | Schengen Multi Trip |
|---|---|---|---|
| Contract | Temporary | Temporary | Annual |
| Duration of the insurance contract | Up to 180 consecutive days | Up to 180 consecutive days | 90 consecutive days |
| Countries and geographical area covered | Schengen area, | Schengen area, European Union, U.K. | Schengen area, European Union, U.K. |
| Medical Expenses, emergency hospitalization and repatriation | max 30.000 € | max 100.000 € | max 100.000 € |
| Medical teleconsultation 24/7 | Yes | Yes | Yes |
| In case of repatriation of the insured: | |||
| Early repatriation of the other insured parties accompanying the victim and return of luggage to the country of residence | Baggage only | Yes | Yes |
| In case of hospitalisation: | |||
| Assistance for the insured party travelling alone (hotel for a friend or relative) | - | max 750 € | max 750 € |
| Prolongation of the insured party’s sojourn | - | max 750 € | max 750 € |
| Daily compensation | - | max 500 € | max 500 € |
| Return after the date initially envisaged | |||
| In case of death: | |||
| Repatriation of the remains and burial | Yes | Yes | Yes |
| Assistance with formalities | yes | Yes | Yes |
| Early repatriation of the other insured parties and luggage | Baggage only | yes | yes |
| Sending urgent messages | - | Yes | Yes |
| Payment of communication expenses | - | max 100 € | max 100 € |
| Theft of ID or travel documents, costs of transportation | - | max 100 € | max 100 € |
| Search and Rescue Costs | - | max 5,000 € | max 5,000 € |
| Early return of an insured | - | Yes | Yes |
| Sending essential medecines, glasses, contact lenses and protheses | - | Yes | Yes |
| Excess on medical treatment | No | No | No |
| Price | from 5€/day | from 9€/day | 328€/year |
| More information | More information | More information | |
| General conditions | General conditions | General conditions | |
| Insurance Product sheet | Insurance Product sheet | Insurance Product sheet | |
Related topics on Schengen insurance
- What is the health insurance for Schengen visa?
- What is the minimum coverage required for a Schengen Visa?
- Is Schengen travel insurance mandatory?
- How much does Schengen travel insurance cost?
- How to book Schengen insurance online ?
- How to choose the best Schengen travel insurance online?
- Where can I get my Schengen travel insurance certificate?
- What are the requirements for Schengen travel insurance?
Frequently asked questions about Schengen insurance warranties
Will my travel insurance cover repatriation if I get injured?
Yes. AXA’s insurance will cover your repatriation in case of injury or illness- if necessary and if within the limits of expenses.
Will my travel insurance warranties be invalidated if information is incorrectly given when purchasing?
Yes. All the information you give us must be accurate to the best of your knowledge and belief and it’s your responsibility to make sure that it’s updated if it changes. If it is not your policy may be canceled or - in extreme deliberate cases - investigated for fraud.
Will my warranties still be valid if I need to claim while outside of the Schengen Area?
No. Unless you are in a European Union state covered by AXA’s Europe Travel or Multi Trip policies. Being outside the countries stated as being covered by your policy will invalidate your claim.