What travel insurance do I need when visiting Poland?

Poland Travel Insurance: make the most of your stay in the heart of Eastern Europe

If you live in a country outside the Schengen Area, you will need a visa for your stay in Poland, a welcoming country situated next to Germany, Czech Republic, Ukraine, and Slovakia, among others. Poland will offer you the opportunity to discover beautiful landscapes and lively cities, as well as a country with a rich and unique history and culture. To obtain your visa and to be well protected during your stay, do not forget to take out a travel insurance policy for Poland.

Which countries can I visit with Schengen travel insurance?

Discover Poland with your Schengen Visa

To obtain a Schengen Visa, which allows you to travel freely within Poland, and in the whole Schengen Area, you must contact the first country you enter. You will find further useful information via the Polish embassies site: you can click here : gov.pl/web/diplomacy.

A form must be completed and you will need to provide a valid passport as well as various other documents stating the reasons for your stay. You will also need to obtain a travel insurance policy for Poland, as a travel insurance policy for Poland is a mandatory requirement for your visa application.

Your travel insurance policy for Poland must cover both repatriation and emergency medical expenses for a minimum amount of €30,000. You can take out a basic insurance policy or add additional protection.

For instance, by choosing to add extra coverage, such as the repatriation of other insured individuals accompanying the policyholder or the urgent early return of an insured person, your travel insurance policy for Poland will protect you effectively and you will leave without worries.

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 (Ministry of Foreign affairs or Department of State in the U.S.) 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”.

How to get to Poland

By plane: most European capitals and major cities offer flights to Poland. You can find reasonably cheap tickets by comparing offers from Lufthansa, Czech Airlines, or LOT Polish Airlines. There are daily connections to Warsaw. You can depart from Frankfurt, Berlin, Paris or Prague, as an example.

By train: With train links to major European cities, often via Germany, it is very easy to travel to Poland by rail. An extensive network means you will be able to visit all but the most remote parts of the country by rail.

By bus: it is possible to travel by bus from several European capitals. However, traveling and waiting time at borders, especially from Eastern European countries, can be quite long.

By car: Traveling by car across Poland allows you to really get to know different parts of the country. However, when traveling on Polish roads, you should not forget certain safety principles. The condition of Polish roads could be described as relatively good, and in the vicinity of the larger cities, road surfaces are improving every month.

Advice on health and vaccinations

There are no compulsory vaccinations. It is, however, recommended to be vaccinated against diphtheria, tetanus, polio, viral Hepatitis A, as well as tick-borne encephalitis if you are visiting rural areas during the spring or summer. Consult your doctor for advice. You may also consider getting vaccinated against rabies if you plan to travel to remote areas.


To put it mildly, Poland has a variable climate. Winter is relatively cold (it can be as cold as -15°C) and snow is very common, especially if you go up in altitude. It can be very hot in summer, up to 30°C, and it is not uncommon to see thunderstorms.

Discover Poland

Poland is an enchanting country that you will find it hard to leave. Be sure to visit both Warsaw and Krakow, but also other smaller typical cities.

  • Kraków: If you love architecture, you will love this city. You will have the sensation of being in a theatrical setting as the facades and monuments are impressive. Be sure not to miss the Market Square, the cathedral, the castle, and the famous and incredible mine.
  • Warsaw: the capital of Poland will not disappoint. You will love its architecture, which will take you through its history and the warm welcome of its inhabitants. The main attractions are Warsaw's Saint John's Cathedral, the memorial monuments, and a variety of examples of modern architecture.
  • There are many typical cities such as Gdañsk, Poznań, Wrocław, and Lublin, to mention a few.
  • You can't travel to Poland without visiting the Carpathian Mountains: you will see splendid landscapes and you can also enjoy great ski tours in winter. Popular nature destinations are Pomerania and Masuria. Take your hiking boots and remember that you might encounter wildlife during your hike.


Poland is a safe country with low terrorist risk. Nevertheless, it is recommended to be aware of pickpockets in tourist areas, railway stations, restaurants, buses and trains.

Practical information

The currency in Poland is the złoty (shortened Zl). You will find several bureaux de change and banks throughout the cities. Exchange rates are often less attractive at the airport.

Consider carrying a phrasebook with you because many Polish people do not speak English.

A foreign national who needs a visa to enter the territory of Poland needs to prove they have means of subsistence during their stay when they apply for a Polish Schengen Visa. For stays of up to three days, you need 300 Zloty, or 100 Zloty a day for a longer stay. This may be reduced if you have pre-booked or pre-arranged accommodation.

How can AXA help?

AXA can help by providing you with Low Cost Schengen Area travel insurance that meets your visa requirements when traveling to Poland from as little as €0.99 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.

AXA is the number one brand for Schengen Visa insurance and offers assistance 24/7, as well as other options and tailor-made products. Other coverage available includes our Europe Travel insurance, costing €1.50 per day, or Schengen Multi Trip insurance, which is perfect for regular travelers and available for €298 for a year’s coverage.

What happens if I give AXA the wrong information?

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 travel insurance fees be refunded if my visa is refused?

Yes. If your visa is refused AXA will refund your insurance fees - but you will need to provide documentation specifying the reason for refusal.

Do I need to declare existing medical conditions to get travel insurance?

Yes you do and AXA has made it easy for you to do so by answering a few quick and confidential questions when making your application- to ensure you are covered.