What are the requirements for Schengen Visa insurance?

What kind of travel insurance do I need for a Schengen visa?

Those who require a short-term stay Schengen Visa will need insurance that covers every Schengen Area nation, including countries you have no plans to visit: Germany, Austria, Bulgaria, Belgium, Croatia, the Czech Republic, Cyprus, Denmark, Estonia, Finland, France, Hungary, Iceland, Ireland, Italy, Liechtenstein, Latvia, Lithuania, Luxembourg, Malta, Norway, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland.

Your policy must be valid for the duration of your time in Europe, will reimburse you for the costs of accidents, illnesses, emergency treatment, and repatriation in the case of death, and provide you with minimum coverage of at least €30,000. You will also need a certificate proving you have obtained Schengen travel insurance.

For longer visits to work or study in a Schengen country, you will need medical insurance for the duration of your stay - however long that might be.

What are the Schengen visa insurance requirements for a multiple entry Schengen Visa?

Applicants for a visa for more than two entries (multiple entries) need to prove they are in possession of valid travel medical insurance covering the period of just their first intended visit to receive their visa. However, it is highly recommended that you obtain insurance covering you for all your planned trips - as you will need to sign a document stating you understand you need insurance for future trips too. AXA does provide specialist coverage for those who travel frequently to Europe - our Multi Trip insurance.

Here are the exact regulations for travel insurance for trips to the Schengen Area in the European Parliament’s Regulation (EC) No. 810/2009

Article 15 Travel medical insurance

1. Applicants for a uniform visa for one or two entries shall prove that they are in possession of 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.

2. Applicants for a uniform visa for more than two entries (multiple entries) shall prove that they are in possession of adequate and valid travel medical insurance covering the period of their first intended visit. In addition, such applicants shall sign the statement, set out in the application form, declaring that they are aware of the need to be in possession of travel medical insurance for subsequent stays.

3. The insurance shall be valid throughout the territory of the Member States and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be €30,000. When a visa with limited territorial validity covering the territory of more than one Member State is issued, the insurance cover shall be valid at least in the Member States concerned.

What documentation do I need to provide to visa officials?

You will need to provide your insurance certificate, showing you have obtained the correct insurance to travel within the Schengen Area. AXA provides a printable, personalized certificate online once you have purchased your policy. This certificate meets all the Schengen visa insurance requirements of the European Union. The maximum duration of the insurance contract is 180 consecutive days (six months).

What insurance products do AXA offer for those traveling to the Schengen Area?

Low Cost

AXA’s Low Cost Schengen Area travel insurance meets your visa requirements from as little as €0.99 per day. The policy will cover you for medical expenses up to €30,000 in all Schengen countries and offer you coverage in case of repatriation.

Europe Travel

As the number one brand for Schengen Visa travel insurance, AXA also offers other options, such as our Europe Travel insurance, costing €1.50 per day. It’s perfect for those traveling with family as it covers children under the age of 18, or for those planning more adventurous activities during their trip, as it covers expenses up to €100,000. With this type of policy, you may also be covered for loss of documents or important items, as well as other problems you might encounter.

Multi Trip

As previously mentioned, AXA offers Schengen Multi Trip insurance, perfect for regular travelers. It is available from €298 for a year’s coverage, and has the same benefits as Europe Travel but can be used throughout a year on multiple trips. It’s great for business travelers who need comprehensive coverage to ensure their visits aren’t disrupted by any mishaps.

Is there anything else I need to know?

You should be aware of our refunds policy in case you are refused a Schengen Visa, despite having the correct travel insurance. AXA will refund your fees subject to terms and conditions, such as providing documentation explaining the reasons why your visa was refused by officials at the relevant embassy, consulate or visa application center.

Related topics on Schengen insurance

Frequently asked questions about the requirements for Schengen travel insurance

Will declaring pre-existing conditions when taking out travel insurance have any impact on my policy’s validity?

You will need to disclose any pre-existing conditions when taking out your insurance. AXA has made it easy for you to do so by answering a few quick and confidential questions during the quote process. This means we should be able to make sure you are covered for the conditions you have declared. If you fail to declare conditions- you may not be covered during your trip.

What happens if I give you the wrong information?

If you give the wrong information on your application-your policy may be declared void - and in some circumstances - you may face a fraud investigation. If this is discovered before you apply for your visa it could impact your application.

If I am only traveling to one country- can I buy insurance for just that place?

If you need a Schengen Visa to travel to Europe then you must obtain travel insurance that covers you in all 26 Schengen countries.