Online Travel Medical Insurance for Schengen Visa

NAME: Axel Strauss
DATE: 17/03/2025

If you’re planning a European getaway, then chances are your destination is one of Europe’s dozens of Schengen countries. In which case, you’ll likely need a Schengen visa first. Meanwhile, to get that visa — not to mention ensure your European journey is a safe one — you’ll need to have the proper travel insurance plan.

Fortunately, AXA is your number-one go-to for top-quality Schengen travel insurance. And not only that — but we also happen to have all you can possibly need to know about travel health insurance for a Schengen visa​ below.

Is health insurance mandatory for a Schengen Visa?

Yes. If you need a Schengen visa, having a proper travel insurance plan is one of the primary Schengen visa requirements.

In fact, during your application you’ll need to present a number of documents, and among them — a proper Schengen travel insurance certificate. Which means you’ll need to purchase your plan in advance.

Moreover, the health insurance plan you choose must adhere to a certain set of criteria (which we’ll get to in a sec).

SCHENGEN VISA PRO-TIPS: In the meantime, if you’re not sure about the visa itself, AXA can tell you all about:

…and — in short — anything else you might need to know Schengen visa-wise. So click around and explore!

What are the travel health insurance requirements for being granted a Schengen visa?

Now, to be granted your Schengen visa — and for the consular authorities of your Schengen destination country to even accept your application — your travel health insurance plan must:

  • be purchased from an insurance company validated by the consular authorities of all Schengen countries;
  • have a minimum coverage of €30,000 in medical expenses (such as hospitalization, emergency treatment, and repatriation — including in case of death);
  • cover you in all the Schengen member countries
  • be valid for the entire duration of your stay in the Schengen Area.

Fortunately, AXA’s plans adhere to all the requirements above (and then some) — but more on that below.

If I don’t need a Schengen Visa, should I still get travel health insurance?

​​Well, just because you don’t need travel insurance doesn’t necessarily mean you won’t wish you had it if something does go wrong!

Sightseeing in Paris? Great — until, that is, you slip on some wet cobblestones and twist your ankle. Planning to hike the Dolomites? Stunning. However, a wrong step could mean an expensive airlift to the nearest hospital. And even a leisurely food tour in Spain can take a bad turn if your stomach, say, suddenly decides it’s not a fan of the local seafood paella.

Moreover, no matter where you happen to be, navigating a completely new healthcare system can prove even more detrimental to your health than the initial unpleasant surprise. That is — with all the bureaucracy, potential language barriers, and general anxiety it entails.

And don’t forget the little things like potential delayed luggage, canceled flights, lost passports, and so on — none of which are fun to handle alone.

Travel insurance, of course, can’t guarantee no mishaps happen. It can, however, definitely make them a lot less painful (both financially and otherwise). In short — even if it’s not a requirement, we for one definitely think a top-quality plan is a good call for Europe.

Why choose AXA for my online Schengen visa travel insurance?

But don’t just take our word for it. Here are just a few concrete ways AXA has your back — both during your visa application and your stay in the Schengen:

-Up to €100,000 coverage in medical expenses;

-Up to 180 days of coverage;

-24/7 assistance;

-Medical repatriation & transport (including in case of death);

-Coverage in all Schengen, and most European Union countries (including the U.K. — depending on the chosen plan);

-Free Schengen medical teleconsultation (in English, French, and a number of other languages);

-An instantly downloadable (and/or printable) online travel insurance certificate (see above);

-Quick and easy purchase (all done online within minutes)

Furthermore, AXA’s plans have no age limit, require no medical exams, and have zero deductibles.

And — to top it all off— if your Schengen visa is denied, AXA’s plans are refundable* in most cases.

*We’ll only ask that you provide an official explanation as to why it was refused from the relevant embassy, consulate, or visa application center.

What travel insurance options for a Schengen visa does AXA offer?


And now down to brass tacks. Here are some specific Schengen visa travel insurance options you have to choose from with AXA:

-Low-Cost Travel Insurance — our most basic coverage — meets all Schengen visa requirements, covers up to €30,000 in medical expenses (along with hospitalization and repatriation, including in case of death), and covers you in all Schengen Zone countries — as well as in the European microstates of Andorra, Monaco, San Marino, and Vatican City.

-Europe Travel Insurance — best suited for the more adventurous types — also meets all Schengen visa requirements, covers medical expenses of up to €100,000, and offers additional benefits like protection for lost documents and/or valuables.
Additionally, it covers you all Schengen countries, the European microstates above — plus all EU member states and the U.K. It’s thus also perfect for anyone exploring more of Europe and/or traveling families.

-And Multi-Trip Travel Insurance — designed for frequent/and or business travelers, and especially those applying for a multi-entry Schengen visa — also meets all Schengen visa requirements (along with providing all the benefits above). But in addition, it provides coverage for an entire year!

In short, before you book that visa appointment — and/or plane ticket(s) — be sure you compare AXA’s different options and get a free AXA quote.

With the right AXA plan, your Schengen visa is sure to be good as granted, while your Schengen journey itself — smooth, safe, worry-free, and one to remember (in the best possible way).

What to do if injured or ill while in the Schengen?

And if there is a mishap or two, know that AXA is standing by to keep its word.

Just contact our AXA call center (NOTE: The number will also be provided with your insurance policy). Our medical professionals will then provide guidance and support, answer any questions you might have, and — if need be — help you find the nearest medical facility.

And that’s day or night, and no matter where in the Schengen you happen to be.

What to Provide When Contacting AXA's Call Center

-Your policy number (which begins with "SCH");

-The address and telephone number at which you can be reached (as well as the details of any people that can be contacted locally);

-Your dossier number (provided during your initial call).

Make sure you have these on hand, in a safe place, and that your phone is charged.

Top 10 Health Risks when travelling in Europe — and Safety Tips to avoid them all!

And, finally — once you do get that visa — we recommend bringing a medical kit and always having a charged phone handy (as well as your AXA plan info above, of course). And that’s no matter where in Europe you go.

But to further help ensure you’re as prepared as can be for any Schengen adventure under the sun, here are some general risk factors in Europe (and ways to escape them):

Food Poisoning in Europe

It’s no secret that unfamiliar cuisine can often lead to stomach troubles. In fact, traveler’s diarrhea consistently ranks as the most common ailment for travelers worldwide.

So indulge in Europe’s amazing restaurant and street food scenes, of course — but try to stick to reputable establishments. Research, drink bottled water (if in doubt about the tap), and carry medication, and maybe learn how to say “may I use the bathroom” like the locals just in case too. And, of course, trust your gut (get it?) if something looks fishy.

Sunburn & Heatstroke in Europe

It’s also common knowledge that places like Spain, Italy, Portugal, and Greece can get quite scorching in summer. But common knowledge is one thing — while experiencing that Southern European sun first-hand is a whole world of its own.

So wear plenty of sunscreen, stay hydrated, and avoid direct sun during peak hours. Meanwhile, a properly timed siesta can do wonders for your well-being too.

Tick-Borne and other Diseases in Europe

Hiking in Europe’s thousands of forests? Ticks (and other pests) are not uncommon. Moreover, forest or no forest, Europe definitely has its fair share of diseases — from Tick-Borne Encephalitis (TBE) and Lyme disease to measles, rabies (especially in Eastern Europe) and beyond.

So educate yourself, make sure you get all your necessary shots before traveling, use insect repellent and check for bites when hiking, and listen to your body.

Altitude Sickness in Europe

High-altitude destinations like the Alps can cause dizziness, nausea, and plenty of other not fun symptoms.

So if you’re going way above sea-level — try to acclimate slowly, read up on warning signals, and stay hydrated.

Flu & Respiratory Infections in Europe

Crowded tourist spots increase the risk of flu and colds — as the early 2020s have unfortunately repeatedly shown.

Wash your hands frequently, hydrate, and consider wearing a mask in packed areas if you tend to be extra flu-prone.

Road Accidents in Europe

Unfamiliar traffic rules, disintegrating roads, reckless drivers, scooters, cyclists, segways, mopeds, etc. — Europe definitely has its fair share of all of these. And whether in the center of town or way out in the middle of nowhere, they can all pose serious risks too.
By the way, do you know what kind of driving licence is required in Europe?

Always wear a seatbelt, study and obey local laws, wear a helmet when necessary, and avoid risky road trips at night. In fact, public transportation may be your safest (and most efficient) bet in many of Europe’s hotspots.

Pickpocketing in Europe

Since Europe is the world’s number one tourist destination, pick-pockets and other thieves are not uncommon across the board (and especially in major cities and crowded areas). Violent crime, however, is rare.

Nevertheless, make sure you keep belongings secure, use anti-theft bags, study up on local customs (and common local hustles and scams too), and stay vigilant.

Alcohol-Related Injuries in Europe

Many come to Europe to party. However, overindulgence while on vacation has been known to lead to a bad time here for everyone involved.

So know your limits, avoid seedy areas (and people) when drinking, stay hydrated, and never leave drinks unattended.

Weather-Related Hazards in Europe

Unsupervised beaches, strong currents, snow storms, heatwaves, below-zero chills — all these are also something to be aware of. Europe’s weather can change drastically — both from coast to coast and minute to minute. So swim, hike, and explore in designated areas only, study local weather conditions, and pack accordingly.

Adventure Sports Injuries in Europe

And, finally, Europe has plenty to offer the thrill-seeker in anyone. Yet, from skiing in the Alps to rock climbing in Spain to surfing in Portugal to cliff jumping in Croatia to every imaginable adventure in between — there’s obviously plenty of risk involved.

So do your homework, always use proper gear and follow local safety guidelines, and know your limits. And if you’re not really feeling up to it — know that AXA won’t judge you if you decide on a spa day instead.

So good luck with that visa, safe travels, and have fun!

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FAQ

Do I need multiple travel insurance plans if I am visiting more than one Schengen country?

No. Just like the Schengen visa it’s designed for, a single AXA Schengen travel insurance policy covers you across all the Schengen countries (and sometimes beyond) — and for the entire duration of your trip.

Can I take out AXA Schengen travel health insurance on behalf of someone else?

Yes. With AXA, you can purchase travel insurance for loved ones or guests. You'll just need to provide their personal info (i.e., their DOB, address, passport number, and itinerary).

What should I do if my Schengen visa is refused?

If your visa is refused, you can either reapply or write a letter of appeal. The outcome of your appeal will then depend on the authorities of the specific Schengen country for which you applied.
PRO-TIP: The EU’s Article 32(3) of the Visa Code of the Schengen Agreement can tell you more.