Which countries can I visit with Schengen travel insurance?

Schengen travel insurance, of which AXA is the leading provider, covers you in all 26 states within the Schengen Area of countries that have abolished internal border controls for their citizens.

These are : Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland. It also covers states which are de facto within the Schengen Area such as Monaco, San Marino, and Vatican City, which have opened their borders with, but are not members of, the visa-free zone.

These countries include many of Europe’s most popular tourist hotspots, including Paris, Berlin, Rome, the Alps, the Greek islands, Amsterdam, and many more, as well as hidden gems that are becoming more popular with travelers looking for new experiences, like the Baltic states, Finland, Poland, and Hungary’s capital Budapest. These are covered by Schengen travel insurance.

Here is the complete list of countries that you can visit with a Schengen travel insurance (provided you have a visa) :

Austria travel insurance

Belgium travel insurance

Czech Republic travel insurance

Denmark travel insurance

Estonia travel insurance

Finland travel insurance

France travel insurance

Germany travel insurance

Greece travel insurance

Hungary travel insurance

Iceland travel insurance

Italy travel insurance

Latvia travel insurance

Liechtenstein travel insurance

Lithuania travel insurance

Luxembourg travel insurance

Malta travel insurance

Netherlands travel insurance

Norway travel insurance

Poland travel insurance

Portugal travel insurance

Slovakia travel insurance

Slovenia travel insurance

Spain travel insurance

Sweden travel insurance

Switzerland travel insurance

Why do I need Schengen travel insurance?

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.

What do I receive with my Schengen Visa travel insurance, and does this vary from country to country?

Schengen travel insurance covers the same costs, up to €30,000, in the case of AXA’s low cost option, or €100,000 for more comprehensive plans, in all Schengen countries. The low cost option, for example, will cover you for expenses related to emergency medical care, hospitalization, sanitary repatriation, or death and is valid during the entire duration of your stay.

How do I receive confirmation and prove I have Schengen travel insurance?

When you have obtained and paid for your Schengen travel insurance (costs and options below), you will receive an online printable certificate proving you are covered, which you can provide to officials at the consulate, embassy, or visa application center where you are making your visa application.

How can AXA help with my Schengen 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 €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 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.

If my Schengen Visa is denied, will I receive a refund on my travel insurance fees?

Yes. If your visa is refused, AXA will refund your insurance fees - subject to certain terms and conditions. You will need to provide documentation stating why officials refused your visa application.

Frequently asked questions about countries covered by Schengen travel insurance

Does Schengen travel 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.

Are the U.K. and Ireland in the Schengen Area?

No. Although both were members of the European Union, both countries opted out of the Schengen treaty, and Britain has subsequently left the EU and is negotiating new travel and immigration arrangements.

Are any other countries set to join the Schengen Area?

Romania, Croatia, and Bulgaria are members of the EU which are committed to working towards joining the Schengen Area at a later date.