● Türkiye is one of the hundred or so countries which have not signed a visa-waiver agreement with the European Union.

● As such, Turkish citizens are required to obtain a Schengen visa to enter the widest area of free movement in the World aka the Schengen area for stays shorter than 90 days over a 180-day period.

● To be granted a Schengen visa, applicants must submit an application file in which they will enclose several mandatory documents including a travel insurance certificate proving they will be protected by valid coverage during their Schengen stay.

Without this document, their visa application will automatically be denied.

Caution! The European Union does not always mean Schengen!

And European continent does not necessarily mean EU!

Countries which are not part of the Schengen area have their own visa and travel insurance requirements so make sure you check with their consular services and the European Commission before you leave!

Pro Tips: Read AXA’s explanations to help you see clearly in the European blur:

• The differences between Europe, the EU, the EEA, and the Schengen Zone
• Which European countries are not in the Schengen Area?

How to get a Schengen visa from Türkiye?

As a Turkish national, you will thus need to apply for a visa to be allowed in the Schengen area.

The AXA step-by-step guides will help you along the process:

• How to apply for a Schengen visa from Turkey - Made Easy
• The different types of visas for Europe
• Easy guide to fill out your visa application form
• Mandatory documents required with your Schengen visa application

Pro Tips: Once you’ve submitted your application, we’ll tell you more about:

• How long it takes to obtain a Schengen visa from Türkiye
• How to track your visa application online
• How to extend the validity of your visa

⚠️CAUTION

• Your visa application file must enclose a travel insurance certificate proving you are covered by valid travel insurance compliant with Article 15 of the European Union Visa Code.
• Your travel insurance must be purchased BEFORE submitting your Schengen visa file.

What travel insurance do Turkish citizens need for a Schengen Visa?

For your travel insurance to be accepted with your Schengen visa application, it must:

• Guarantee a €30,000 minimum coverage for medical expenses.
• Cover emergency hospitalisation and medical care due to health issues occurring during your stay.
• Bear the costs of repatriation to your home country in case of serious health issues or even death.
• Be certified by all the countries of the Schengen area.
• Be valid in all Schengen countries.
• Remain valid during the entire duration of your stay.
• Be purchased from an insurance company validated by the consular authorities of all Schengen countries.

❗ NOTE

Schengen visa travel insurance cannot be purchased from embassies, consulates, or visa application centers.
It must be taken out with a private insurer offering Schengen-compliant policies.

Good news! AXA Schengen travel insurance meets all these criteria and much more!

What does AXA Schengen visa insurance cover? Benefits and coverage

Having Schengen-compliant travel insurance is essential for all Turkish visitors.
AXA Schengen travel insurance not only meets all EU visa requirements but also ensures you are fully covered during your stay, from medical emergencies to baggage protection.

AXA Travel Insurance is perfect for Schengen visa applicants from Türkiye

• AXA Schengen visa insurance complies with E.U requirements in terms of visa obligations.
• It is certified and accepted by all consulates and embassies.
• It is thus automatically accepted with Schengen visa applications.
• It offers medical coverage of minimum €30,000 and up to €2 million depending on the chosen plan.
• Quick, easy and secure subscription is done 100% online.
• It can be purchased from Turkey or anywhere else in the world.
• Instant Schengen travel insurance certificate is automatically sent by email.
• Your travel insurance is refundable if the visa application is denied.

Comprehensive and customisable coverage

AXA Schengen travel insurance covers:

• Medical expenses and hospitalisation up to €2 million,
• Emergency dental care.
• Sanitary repatriation including in the event of death.
• Multilingual 24/7 assistance: our team of experts will direct you to the appropriate health facility, avoiding long useless hours in the emergency waiting room when possible.
• Free remote medical consultations via our unique “Doctor, please!” app available in English and several other languages.
• Search and rescue costs (depending on the chosen option).
• Both civil liability and personal liability.
• Death and disability insurance.
• Assistance in case of loss of ID documents.
• Comprehensive baggage insurance (included or optional).

Assistance for you and your loved ones

• Repatriation of the other insured parties and provision for the care of minors.
• Visits of relatives in case of a solo traveller’s hospitalisation.
• Delivery of essential medicine, glasses or prosthesis.

… And much more!

Additional key benefits of AXA Schengen Travel Insurance for your stay in the Schengen area

AXA Schengen travel insurance offers much more than just visa compliance!
From worldwide reliability to flexible and budget-friendly coverage, discover how AXA goes beyond basic protection to make your trip to the Schengen states safer, smoother, and worry-free.

The reliability of an insurance world leader

Over 65 years of experience and a strong longstanding international reputation, AXA is renowned for its affordable, reliable and comprehensive insurance coverage.

Its devoted teams of experts use their thorough knowledge and understanding of local cultures to provide assistance and support to travellers in need worldwide.

Easy, Efficient and Budget-Friendly insurance

AXA simplifies your visa application process thanks to easily accessible services:

• No age restrictions or medical exam required.
• 0 deductible: full refund of medical expenses paid.
• Purchase for yourself, someone else, or a group (family, friends, colleagues).
• Customisable options: luggage insurance, higher medical coverage.
• Duration flexibility - from just one day to six months, or up to a full year.
• Decreasing rates depending on the duration of the stay, for the best value for money.
• Flexible coverage scope: all the Schengen states, European microstates, other non-Schengen but EU countries as well as the United Kingdom.
• Customisable upgrade options designed to satisfy all needs and budgets:
  
  - luggage insurance
  - higher medical coverage

Best Schengen insurance AXA plan for Turkish nationals

Travelling solo or with a group? Ready to take in all the culture and landscapes the Schengen countries have to offer? AXA has the perfect comprehensive travel insurance plan for you and your loved ones:

• AXA Schengen Basic offers standard and efficient coverage to obtain your Schengen visa.
  This travel insurance option meets all the mandatory requirements, covers you in all the countries of the Schengen Area as well as in the 4 European microstates (Andorra, Vatican City, Monaco and San Marino).
• AXA Schengen Essential provides complete and reliable coverage at an affordable price. Another perfect choice to obtain your Schengen visa.
  Not only does it meet all visa requirements and is valid in all the Schengen countries + the European microstates, but it also offers coverage in all the EU countries as well as the UK.
• AXA Schengen Premium is THE all-inclusive plan allowing you to obtain your Schengen visa and to travel stress-free all over Europe.
  Its coverage is valid in all Schengen countries + the EU countries + the 4 microstates + the UK.
• AXA Schengen Annual is the ideal yearly travel insurance plan for frequent travellers to Europe as well as multiple-entry Schengen visa holders.
  One contract for a full year of travel coverage across Europe!
  It is valid in all Schengen countries + the EU countries + the 4 microstates + the UK

How much does AXA Schengen visa insurance cost?

Starting at €4.90 per day, AXA’s plans are affordable and customisable to cover all the needs of Turkish nationals.

Good news!
● Daily rates decrease with the length of your trip.
The longer you stay in Europe, the cheaper your AXA Schengen insurance becomes!

● AXA’s coverage never varies whatever the Schengen country you visit or the rates of local healthcare.

● Thanks to the many additional options available, you can create the perfect tailor-made plan for your needs and budget.

→ Get a free online quote and check the price list of our different Schengen visa travel insurance plans.

Please note: Prices are provided for information purposes only and may vary depending on the traveller’s profile, length of stay, and selected coverage.

Find the best value and most budget‑friendly Schengen travel insurance from Türkiye

Quality - Reliability - Efficiency

AXA’s top priority is to provide reliable, high‑quality assistance before, during, and after your stay in Europe, while keeping costs for its customers as low as possible.
Cheap in terms of price not quality!

● With AXA’s ESSENTIAL plan, you will enjoy comprehensive yet affordable coverage including:

• Medical expenses up to €100,000 (extendable up to €250,000)
• Medical repatriation,
• 24/7 medical assistance.
• Comprehensive baggage insurance (optional)

● The ANNUAL plan is ideal if you’re a frequent visitor of the Schengen area.
ANNUAL is both convenient and cost-effective.
Purchase a single policy — and all your trips under 90 days are covered for a full year!

5 easy steps to get your online Schengen insurance plan from Turkey or anywhere

Now that you master all there is to know about Schengen travel insurance, here’s how to purchase it online from Türkiye or wherever you are.

All you need is an internet connection, your personal information (ID, itinerary), a credit card and our step-by-step guide:

• STEP 1: Choose the AXA plan which best suits your needs
• STEP 2: Request your free online AXA quote
• STEP 3: Submit your personal info and payment method/details when prompted
• STEP 4: Purchase your AXA plan online
• STEP 5: Receive your world-renowned AXA insurance certificate instantly (via email).

All that’s left to do is enclose your certificate with the rest of the mandatory documents, submit your visa application, ace your Schengen visa appointment and wait for that visa stamp on your passport.

With AXA watching over you, you’re all set for your Schengen adventures!

Pro Tip

Remember to save an extra copy of your travel insurance certificate (digital and print) as well as your policy number.

How to get your Schengen travel insurance certificate online instantly?

Instant Schengen Certificate: Your Simple 3-Step Process:

1. Choose the best AXA Schengen insurance plan for your European trip.
2. Buy your policy online.
3. Receive your insurance certificate instantly by email — ready to download and attach to your visa application file.

PRO TIPS
● Since your AXA travel insurance is refundable if your visa application is denied, we recommend purchasing it as early as possible in the application process, allowing you to focus stress free on the other documents which must be enclosed with your file.

● For more information, read our step‑by‑step guide: Get your travel insurance certificate instantly.

How can I get my travel insurance refunded if my Schengen visa is denied?

Since there is no guarantee that your Schengen visa application will be granted, AXA has decided to refund turned down visa applicants.

How to get your AXA refund online from Türkiye?

All you need to do is:

• Request and obtain the official refusal letter from the appropriate Schengen consular authorities stating the reasons for their negative decision.
• Go to AXA’s Refund: Visa refusal page
• Email us all the necessary details: your full name, policy number, email address and the letter of refusal

Reimbursement is generally processed within 14 days via the method used for the initial payment (i.e., credit card).

Good to know!
AXA is truly here to assist you whenever and wherever you need, even in the case of trip-interrupted!
This refund procedure is valid whether you apply from Türkiye or anywhere else in the world.

Obtaining full protection and peace of mind for you and your loved ones from the comfort of your Turkish home is just one click away.

From the start of your Schengen project to your safe return home, AXA will be there every step of the way!

Related Articles

• How can I choose the best Schengen travel insurance for my trip?
• New rules for travelling to Europe this year
• 30 fun facts about the Schengen area

FAQ

What should I do in case of medical emergency during my trip to the Schengen area?

Whatever the Schengen country you are visiting, the AXA expert teams will provide assistance 24/7.

Contact our AXA call centre at the number featured on your insurance policy.
Provide your policy reference number (starting with SCH).

Don’t forget to keep all invoices related to medical expenses for your records.

Good to know! AXA also provides online medical assistance.

Can I purchase Schengen travel insurance online for another person?

Yes. AXA allows you to purchase travel insurance online for a relative. All you need to do is provide their personal data such as their date of birth, their home address, their passport number and their travel dates.

I would like to visit family members in different Schengen countries and in the UK, what is the best AXA plan for me?

Even though the UK isn't in the Schengen area, AXA’s ESSENTIAL, ANNUAL, and PREMIUM plans will cover you in all Schengen member States and offer UK coverage as well!

When should I buy my Schengen travel insurance online for my visa application?

As your travel insurance certificate is one the most important documents to enclose in your visa application file you need to purchase your plan as soon as possible. Since AXA refunds Schengen insurance plans in case of visa refusal, it is 100% risk free!

As a Turkish national, can I use European-based online insurers?

Yes, you can. AXA has provided coverage for travellers from everywhere in the World for over sixty years. Thorough knowledge of local cultures allows its teams of experts to provide efficient assistance to all its protégés wherever they are. Not to mention online purchase of a budget-friendly, Schengen approved plan is quick and safe!