Do I Need Travel Insurance For Luxembourg?

As one of Europe’s less celebrated capitals, Luxembourg City is often overlooked by tourists, but this stunning medieval city is well worth a short visit - as you can take in beautiful views, leafy surroundings, and a rare history at a slower pace than some of the continent’s busier cities. 

Le Chemin de la Corniche is a beautiful promenade to savor the breathtaking views of the Barrio Grund and the Alzette and Pétrusse rivers in the gorge below. The Barrio Grund is Luxembourg City’s oldest quarter; settlement here began in the 10th century. The fortified city served as a stronghold against attackers through the centuries, and as well as being a UNESCO World Heritage Site, is a major reason this microstate maintained its independence and identity. The Passerelle is the city’s old, arched bridge, constructed between 1859 and 1861 - one of the city’s many bridges that are some of the most distinctive features in a jumbled city landscape along the Pétrusse Valley, around which you can find museums, cafes, and bars. 

Luxembourg is part of the Schengen Area of borderless travel. AXA’s Schengen travel insurance offers extensive protection for those traveling to Luxembourg - as it can cover medical expenses up to €100,000 in Luxembourg and other Schengen Area countries. It also allows you to obtain the travel insurance certificate required with your visa application.

What does AXA Schengen travel insurance for Luxembourg cover?

Starting at €33 per week (approx. US$35) of your trip, our Europe Travel insurance covers

● Up to €100,000 coverage in medical expenses

● Medical repatriation & transport

● 24/7 medical assistance in English or French in case of urgency

● Up to 180 days of coverage

● All Schengen and European Union countries as well as the United Kingdom (depending on the chosen insurance)

● Insurance certificate issued immediately and approved by the embassies

● No age limit

● Zero deductible - which will allow you to avoid some upfront and early costs with your claim

Is travel insurance required for Luxembourg?

Travel insurance is mandatory if you need a Schengen Visa for Luxembourg. If you don’t need a visa, travel insurance is optional but strongly recommended as medical costs can be high for foreigners, especially as you will need to pay for any prescriptions.

Do you cover emergency medical costs related to coronavirus?

We will cover your medical costs related to coronavirus provided you haven't traveled against World Health Organization advice, personal medical advice from your doctor, or any other government body’s advice in your home country or the country you are traveling to. Emergency and additional travel costs are also covered providing you have stuck to this advice.

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”. This will satisfy any embassy rules that state you must get an insurance certificate with Covid protection.

Will AXA Schengen travel insurance be accepted with my Luxembourgish visa application?

AXA have been leading experts in delivering insurance certificates that meet Schengen countries’ requirements to obtain a visa for more than 10 years. All you need to do is print the electronic form of the health insurance certificate and enclose it with your visa application - it’s that easy! Each AXA Schengen insurance certificate is individualized and bears a number that is verifiable on our website.

What are the requirements for travel insurance for my Luxembourg visa?

To obtain a Schengen Visa to Luxembourg your insurance must meet the following criteria:

- Minimum coverage for at least €30,000 in medical expenses

- It should cover all member states of the Schengen Area

- It should cover any expenses which might arise in connection with repatriation for medical reasons.

I don’t need a Schengen Visa to visit Luxembourg - can I still purchase your insurance to cover health expenses?

Schengen travel insurance is not mandatory for travelers from countries with visa-free arrangements with the area, but that doesn’t mean you won’t be injured or get ill. A broken wrist or nasty infection can happen to anyone! We thus strongly recommend that you subscribe to our insurance for travelers visiting Europe to make sure your trip is as safe and peaceful as possible. 

What are the main advantages of AXA Schengen insurance?

1. Compliant with European requirements for Schengen Visa. 10 years of existence

2. Immediate coverage. Your insurance covers you from the first day you need it

3. No age restriction, zero deductible

4. No price variation because of nationality or age

5. Refund if your Schengen Visa application is denied.

Why should you trust us?

● Medical files processed by AXA Schengen in 2021: 2292

● Medical calls processed by our agents in 2021: 3845

Which insurance plans to consider?

  Coverage duration Max.
Countries Covered Average price 
Europe Travel Up to 180 days  €100,000
Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom
33€ per week
(approx. US$ 35)
Multi Trip  Illimited number of stays of 90 days max.
during 1 year 
€100,000 328€ per year
approx. US$ 349)
Low Cost Up to 180 days  €30,000
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

22 € per week
(approx. US$ 23)

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

Don’t worry - AXA’s Schengen insurance is here to guide, help, and protect you. In case of a medical emergency, you must contact the AXA Schengen call center at the number provided on your insurance policy. Medical assistance professionals will answer your questions and advise you 24/7 to help you find the medical center best suited to your situation and the closest to your location.

The following information must be given to the call center:

● The number of your policy, which begins with “SCH”.

● The address and telephone number at which you can be reached and the details of the people that can be contacted locally.

● The dossier number, which is communicated at the time of the first call.

IMPORTANT: Remember to always keep bills/ invoices and enclose them with your file.

What should I know when preparing for my trip to Luxembourg?

Security: Violent crime isn’t common in Luxembourg, but incidents of burglaries are on the rise - particularly around holiday periods, while pickpockets may be found in busy areas. As a result, you should take basic precautions to protect your belongings such as leaving them behind in a safe place if not required, and not putting them on obvious display.

Opening hours: Retail stores are generally open from Monday to Saturday from 9am to 6pm, with some closed on Monday mornings. However, more and more stores are extending their opening hours on Saturday nights, especially in the heart of Luxembourg’s capital, while supermarkets and shopping malls have more flexible hours.

Public transport: Since February 2020, public transport has been free to citizens and visitors. Yes, that’s right - it’s entirely free to travel on public transport in Luxembourg - with the exception of First Class tickets. You can travel throughout Luxembourg using regional trains and buses operated by CFL, the national railway company, while international trains connect Luxembourg to cities in neighboring countries.

Driving license: Visitors can drive in Luxembourg using a valid license from EU or EEA countries and many other major nations without the need for an International Driving Permit.

Restaurants: Although a small country, Luxembourg prides itself as an international city and culinary hub where you can enjoy delights from across the world. Good restaurants are often crowded all day from noon to 7 pm - so it’s best to book ahead.

Visa: Although many countries have visa-free travel with Luxembourg and the Schengen Area, if you think you do need a visa to Norway you can find out more, here.

Will my travel insurance cover repatriation if I get injured?

Yes. AXA’s insurance will cover your repatriation in case of injury or illness - as well as helping you get treatment for ailments suffered during your trip.

Will my travel insurance fees be refunded if my visa is refused?

Yes. If your visa is refused AXA will refund your insurance fees in the overwhelming majority of cases - providing you can provide information stating why your visa has been refused.

Will my insurance policy cover multiple trips to Luxembourg?

This will depend on the type of insurance you buy - our low cost or Europe Travel insurance will cover you for trips within the Schengen Area- up to 90 days. If you are planning multiple trips over the course of a year you may - however- be better off with the annual Multi Trip policy.