What is the best Schengen insurance for a multi-visa?

Author: Hannah Brinkmann
Date: 09.02.2026

Travel health insurance is always required for visa-holding travelers in Europe!

Do you travel frequently to Europe on business or have family in the Schengen area? If you travel often and hold a multiple-entry Schengen visa – also known as a multi-entry visa or annual visa – you know the drill: you need travel health insurance for every trip.

But there's a solution: Annual Schengen insurance for multiple-entry visas! You're always covered, whether you're heading to Paris for a long weekend or planning several business trips across Europe.

In this article, we introduce the perfect insurance for frequent travelers and explain everything you need to know about the AXA Schengen Annual insurance.

Table of contents:

• Why do you need travel health insurance with a multiple-entry visa?
• What criteria must health insurance meet for a multiple-entry visa?
• What types of Schengen insurance are available for multiple-entry visas?
• Who benefits from annual insurance?
• What does the AXA Annual insurance offer frequent travelers?
• How good is the price-performance ratio of AXA Annual insurance?
• How do I apply for the Annual insurance?
• All AXA insurance plans compared

Why do you need travel health insurance with a multiple-entry visa?

When you apply for a Schengen multiple-entry visa, the visa authority only requires a valid travel health insurance for the first planned stay. However, you are required to be able to present travel health insurance under the same conditions for every subsequent trip to the Schengen area. By signing the visa application form, you confirm according to the German Federal Foreign Office that you are aware of this requirement.

You must get insured anew for every entry

This means: If you plan several short trips within a year, each lasting no more than 90 days – for instance, for business trips, family visits, or vacations – you must take out new insurance each time unless you have annual insurance. That means more hassle, higher costs, and the risk of being without valid insurance coverage at short notice.

Use annual insurance for less stress

An annual insurance for Schengen visas solves this problem: It covers all trips within a year, meets the requirements of the Schengen states, and ensures you stay flexible. This way, you can travel with peace of mind without having to deal with paperwork every time you enter the Schengen area.

Tip: AXA makes your life easier. Find all the information you need to apply for a multiple-entry visa here.

What criteria must health insurance meet for a multiple-entry visa?

• Minimum coverage of €30,000
• Insurance coverage in all Schengen countries
• Coverage of costs for urgent medical care and/or hospital treatment
• Repatriation for medical reasons and in case of death
• Coverage for the entire duration of the stay
• The insurance must be recognized by all embassies and consulates of the Schengen countries

Tip: All AXA Schengen travel insurance plans meet the criteria for a Schengen multiple-entry visa and offer many additional benefits on top.

What types of Schengen insurance are available for multiple-entry visas?

If you hold a multiple-entry visa or plan to make several trips to the Schengen area within a year, you essentially have two options to provide proof of the mandatory travel health insurance:

1. Short-term insurance (Single-Trip)

• For each trip, you take out a new insurance policy: You choose an insurance that covers a single trip only.
• Use our insurance plans for this: Basic, Essential or Premium, which cover you for single trips of up to 180 days.
  • Basic: Minimum coverage of €30,000 to meet Schengen visa requirements, valid in all Schengen countries (as well as European microstates).
  • Essential: Comfortable coverage of €100,000 for a stay in Europe, valid in all Schengen countries, EU countries (as well as European microstates) and the United Kingdom.
  • Premium: All-inclusive with coverage of €2,000,000: Zero worries, everything is included – even luggage insurance. Valid in all Schengen countries, EU countries (as well as European microstates) and the United Kingdom.
• For frequent travelers, this can quickly become impractical, as you need to take out a new policy for each trip.

2. Annual insurance (Multi-Trip)

• An annual insurance like AXA Schengen Annual covers all trips within one year.
• Each individual trip can last up to 90 days.
• It meets the requirements for Schengen visas and protects you flexibly, no matter how often you travel.
• Benefits: You save time, avoid repetitive paperwork, and often benefit from better value for money.

In short: If you regularly travel to the Schengen area, annual insurance for multiple-entry visas is usually the more convenient and cost-effective solution.

Who benefits from annual insurance?

The AXA Schengen Annual is particularly aimed at frequent travelers who travel to the Schengen area multiple times within a year. This includes, for example:

• Business travelers who regularly have meetings or appointments in various European countries.
• Families or individuals who take several vacation trips or short breaks.
• People who hold a multiple-entry visa and want to stay flexible without having to take out new insurance for every trip.

Annual insurance also makes financial sense! From as few as two one-month trips per year, you already save money. Here's a calculation example:

The advantage is clear: With just one annual insurance policy, you're covered for all trips within twelve months, you save yourself multiple rounds of paperwork, and you benefit from better value for money.

Get your free quote for your travel health insurance for a multiple-entry visa now!

What does the AXA Annual insurance offer frequent travelers?

The AXA Schengen Annual is an annual travel health insurance specifically designed for frequent travelers and holders of Schengen multiple-entry visas.

1 – One contract, one year of protection

• You can travel to Europe as many times as you like within twelve months.
• Each individual trip can last up to 90 days.
• You are covered in the Schengen area as well as in the United Kingdom, Ireland, and Cyprus.
• The insurance covers medical costs up to €100,000.
• Repatriation in case of illness or death included.

2 – Schengen visa compliant

• The annual insurance meets all requirements for Schengen visas.
• The insurance is recognized by all embassies and consulates of the Schengen states.

3 – Comprehensive benefits

• Personal liability insurance and disability insurance included.
• Support such as 24/7 remote medical consultation with the Doctor Please app.
• Assistance with formalities, support in case of theft/loss of identity documents.
• Daily hospital indemnity.
• Search and rescue costs.

4 – We think of you and your loved ones

• Support for a person traveling alone, including a visit from a family member in case of hospitalization.
• Repatriation of other insured persons accompanying the victim.
• Family support and care for minor children accompanying the victim.

Discover all the guarantees of the AXA Schengen Annual insurance for multiple-entry visas and frequent travelers.

Do I receive an insurance certificate immediately for my multiple-entry visa?

When you take out the AXA Schengen Annual, you receive your insurance certificate instantly and digitally. No postal delivery or waiting time is needed – the document is available for download immediately, and you can print the certificate and include it with your visa application.

This is a major advantage, especially for last-minute visa applications. You can submit the insurance confirmation directly to the embassy or consulate without delays or additional organizational effort.

Tip: This certificate can be translated into English free of charge if required.

Is the insurance refunded if my multiple-entry visa is denied?

Should your Schengen multiple-entry visa be unexpectedly denied, you won't be stuck with the insurance costs. AXA Schengen refunds your insurance costs.

The refund process is simple:

• After submitting the official visa rejection letter, the refund can be requested.
• The process is straightforward and transparent.

Good to know: Our AXA experts are always happy to help you with the refund of the insurance fee.

How good is the price-performance ratio of AXA Annual insurance?

The price-performance ratio of the annual insurance is particularly attractive for people who travel to the Schengen area several times a year. From as few as two one-month trips per year, the Annual insurance is already worthwhile. Feel free to compare the prices of our insurance plans.

You benefit from the same coverage as the Essential insurance, which offers the best value for money – but for an entire year. You are insured beyond the Schengen area with coverage of €100,000, have liability and disability insurance included, as well as luggage insurance and much more.

Tip: In our benefits comparison table, you can compare all our insurance plans and benefits.

How do I apply for the Annual insurance?

Taking out the AXA Schengen Annual insurance is simple and fully online. In just a few steps, you'll have your insurance coverage:

1. Select the Annual insurance on the quote page.
2. Enter your travel dates.
3. Provide your personal details.
4. Choose your preferred payment method.
5. Complete the contract and receive your insurance certificate by email.

Immediately after successful completion, you receive your insurance confirmation digitally. You can download it right away and use it for your visa application.

All AXA insurance plans compared

AXA Schengen offers reliable and recognized travel insurance for foreign visitors traveling to the Schengen area or the entire EU. Simply choose from our different plans, all of which are Schengen visa compliant:

• Basic Travel: Minimum coverage of €30,000 to meet Schengen visa requirements, valid in all Schengen countries (as well as European microstates).
• Essential: Comfortable coverage of €100,000 for a stay in Europe, valid in all Schengen countries, EU countries (as well as European microstates) and the United Kingdom.
• Premium: All-inclusive with coverage of €2,000,000: Zero worries, everything is included – even luggage insurance. Valid in all Schengen countries, EU countries (as well as European microstates) and the United Kingdom.
• Annual: Annual insurance, ideal if you plan several trips to Europe in one year. 1 contract for a year of European travel. Perfect protection also for holders of a multiple-entry Schengen visa. Valid in all Schengen countries, EU countries (as well as European microstates) and the United Kingdom.

Key takeaways:

• Travel health insurance for multiple-entry visas is mandatory: Anyone who needs a visa must present valid insurance. Even with a multiple-entry visa, you must have valid Schengen travel health insurance for every entry.
• Annual insurance is perfect for multiple-entry visas: Anyone who travels to Europe more than once a year is better off with annual insurance. It saves time, money, and paperwork.
• Criteria for valid insurance: Minimum coverage of €30,000, coverage in all Schengen countries, medical care, repatriation in case of illness or death, and recognition by all embassies and consulates.
• AXA Schengen Annual: The annual insurance offers excellent value for money and coverage for unlimited trips of up to 90 days. Including medical costs up to €100,000, repatriation, liability and disability insurance, and many comprehensive benefits.

These articles may also interest you

• What is the Type C Schengen visa?
• European travel: Latest changes and rules this year
• Europe from A to Z explained

FAQ

Can I use annual insurance for a student visa or a work visa?
Generally no. Schengen annual insurance is designed for short stays (e.g., tourism, business trips, or family visits) and covers individual stays of up to 90 days. In this case, take out the Basic, Essential, or Premium plans, which protect you for up to 180 days.

Does the annual insurance also apply to business trips?
Yes, the AXA Schengen "Annual" can be used for both private and business travel. This makes it ideal for people who regularly travel to the Schengen area for business trips.

Do I receive a new insurance certificate for each trip?
No, a single insurance certificate covers all trips within the insurance period. It can be used multiple times for visa applications as needed.

How long can a single trip last with a multiple-entry visa?
Each individual trip can last up to 90 days, as long as it falls within the validity period of the annual insurance.

Can I take out the insurance at short notice?
Yes, you can subscribe online at any time. The insurance certificate is provided immediately after purchase and can be used directly for the visa application.

Is annual insurance accepted by all Schengen embassies?
Yes, annual insurance plans like the AXA Schengen Annual are specifically designed for Schengen visas and are accepted by Schengen embassies and consulates.