What do AXA’s different Schengen travel insurance plans cover?

Date : 14/10/2024

If you’re going to Europe, then chances are your destination is one (or more) of the dozens of countries within the Schengen Zone. Which means you might be wondering about the proper Schengen travel insurance for your trip. And since that happens to be what we here at AXA do best, we’ve put together the comprehensive guide on the countless benefits of proper Schengen travel insurance coverage below. Exploring it will help guarantee that your upcoming European adventure is not only a safe one — but that it meets all the legal requirements for entering Europe too.

What is Schengen travel insurance?

Schengen travel insurance is a type of insurance policy designed specifically for travelers visiting one or all of the Schengen countries in Europe (as opposed to the non-Schengen European countries, that is).

Moreover, Schengen travel insurance is mandatory for anyone who needs a Schengen visa* to enter Europe.

Meanwhile, the Schengen travel insurance requirements to be granted that visa stipulate that your plan:

  • be purchased from an insurance company validated by the consular authorities of all Schengen countries;
  • have the minimum coverage required for a Schengen visa of €30,000 in medical expenses (such as hospitalization, emergency treatment, and repatriation, including in case of death);
  • cover you in all Schengen member countries (not just the ones you plan to visit; PRO-TIP: AXA can tell you more about Schengen visa rules for first point of entry too, by the way);
  • be valid for the entire duration of your stay in the Schengen Area (that is, for the length of your Schengen visa’s validity).

AXA’s plans, of course, meet all the requirements above (but more on that below).

*PRO-TIP: If you do need that visa, AXA can also gladly tell you more about the types of Schengen visas you have to choose from, how to fill out the Schengen visa form, Schengen visa tracking online (once you apply) — and much, much more. So click around!

And, finally — while offering many of the same benefits — Schengen travel insurance is somewhat unique when compared to most non-Schengen travel insurance plans. And that’s because it covers you in and meets the visa requirements of not just one specific European country — but, rather, throughout all the countries within the Schengen Zone (and sometimes beyond, but more on that below too!).

In other words, even if you don’t need a visa, Schengen travel insurance is still a great call for almost any European trip!

AXA’s 3 Schengen Travel Insurance plans: The Basics

Now for a brief introduction to the three AXA plans has to offer — all of which can be easily purchased online, by the way — to make sure your trip to Europe is both a legal and a safe one:

Benefits Low Cost Europe Travel Multi trip
Duration of coverage
Duration of coverage Visa validity period up to 180 days Visa validity period up to 180 days Visa validity period up to 12 Months (maximum 90 consecutive days per trip)
Geographical coverage
Geographical coverage All Schengen area countries All Schengen area countries + UK, Ireland & Cyprus All Schengen area countries + UK, Ireland & Cyprus
24/7 Medical Teleconsultation
24/7 Medical Teleconsultation ✓ ✓ ✓
Refund in the case of visa refusal
Refund in the case of visa refusal ✓ ✓ ✓
Payment of medical expenses
Payment of medical expenses Maximum € 30,000 Maximum €100,000 Maximum €100,000
Medical and surgical fees, locally prescribed medications, hospital costs
Medical and surgical fees, locally prescribed medications, hospital costs Maximum € 30,000 Maximum € 100,000 Maximum € 100,000
Urgent dental care
Urgent dental care € 150 per insured party € 150 per insured party € 150 per insured party
Assistance, repatriation or transportation following a medical incident or hospitalization
Assistance, repatriation or transportation following a medical incident or hospitalization ✓ ✓ ✓
Repatriation or transportation of the insured party
Repatriation or transportation of the insured party ✓ ✓ ✓
Repatriation of baggage
Repatriation of baggage ✓ ✓ ✓
Repatriation of the other insured parties accompanying the victim
Repatriation of the other insured parties accompanying the victim X ✓ ✓
Assistance for an insured party travelling alone
Assistance for an insured party travelling alone X ✓ ✓
Prolongation of the insured party’s sojourn
Prolongation of the insured party’s sojourn X X ✓
Return after the date initially envisaged
Return after the date initially envisaged X X ✓
Search and rescue costs
Search and rescue costs X ✓ ✓
Assistance in case of death
Assistance in case of death ✓ ✓ ✓
Repatriation of the remains and burial
Repatriation of the remains and burial ✓ ✓ ✓
Assistance with formalities
Assistance with formalities ✓ ✓ ✓
Repatriation of baggage
Repatriation of baggage ✓ ✓ ✓
Early repatriation of the other insured parties
Early repatriation of the other insured parties X ✓ ✓
Intervention threshold for medical expenses
Intervention threshold for medical expenses Maximum €30,000 Maximum €100,000 Maximum €100,000
Excess: Charge for any reimbursement by bank transfer outside the European Union
Excess: Charge for any reimbursement by bank transfer outside the European Union € 20 € 20 € 20
Travel assistance
Travel assistance X ✓ ✓
Sending urgent messages
Sending urgent messages X ✓ ✓
Payment of communication expenses
Payment of communication expenses X Maximum € 100 Maximum € 100
Sending essential medicines, glasses, contact lenses and prostheses
Sending essential medicines, glasses, contact lenses and prostheses X ✓ ✓
Daily compensation
Daily compensation X Maximum €500 Maximum €500
Theft of identity and travel documents
Theft of identity and travel documents X Maximum €100 Maximum €100
Urgent early return of an insured person
Urgent early return of an insured person X ✓ ✓

And now for a more detailed breakdown of each individual plan above:

AXA Low-Cost Schengen Travel Insurance

The first plan AXA has to offer you and your loved ones is our “Low Cost” option.
And it:

  • meets all the requirements for being granted a Schengen visa;
  • covers you in all the countries within the Schengen Zone + the European microstates of Andorra, Monaco, San Marino, and Vatican City;
  • offers medical expenses of up to €30,000 and coverage in case of repatriation;
  • is valid for trips of up to 180 consecutive days;
  • is ideal for travelers who want the most basic coverage (and/or are traveling on a tighter budget).

→ Learn more about our Low-Cost plan.

AXA Europe Travel Schengen Travel Insurance

Our Europe Travel option:

  • also meets all the requirements for being granted a Schengen visa;
  • covers you in all the countries within the Schengen Zone + the European Union + the European microstates of Andorra, Monaco, San Marino, and Vatican City + the U.K.*;
  • offers medical expenses of up to €100,000 and coverage in case of repatriation;
  • offers additional benefits such as coverage for the loss of documents (and/or important items), as well as more serious issues — such as search and rescue, emergency communications, and more;
  • is valid for up to 180 consecutive days;
  • and is perfect for those traveling with families and/or planning somewhat more adventurous European getaways.

→ Learn more about our comprehensive Europe Travel plan.

*PRO-TIP: If the U.K. is on your list of places to visit, AXA can also tell you more about the U.K.’s post-Brexit relationship with the Schengen Zone.

AXA’s Multi-Trip Schengen Travel Insurance

And our third is what’s known as the “Multi-Trip” option, and it also:

  • meets all the requirements for being granted a Schengen visa;
  • covers you in all the countries within the Schengen Zone + the European Union + the European microstates of Andorra, Monaco, San Marino, and Vatican City + the U.K.;
  • offers medical expenses of up to €100,000 and coverage in case of repatriation;
  • offers additional benefits such as coverage for the loss of documents (and/or important items), as well as more serious issues — such as search and rescue, emergency communications, and more;
  • Furthermore, our Multi-Trip plan is also:
  • a great option for those who plan to travel to and/or throughout Europe regularly — from backpackers to businessmen (as well as anyone applying for a multiple-entry Schengen visa)
  • valid for trips of up to 90 consecutive days.

(NOTE: Once the 90-day maximum Schengen visa period comes to an end, you’ll have to leave the Schengen area; however, your coverage will be reactivated as soon as you return — as it lasts a full year starting from the day you subscribe)

  • a great way to save on travel insurance — as you don’t need a new plan each time you travel to the Schengen throughout the year!

→ Learn more about our Multi-Trip plans

Why choose AXA Schengen travel insurance?

So those are just some of the countless benefits of the comprehensive, top-quality, affordable Schengen travel insurance AXA has to offer. But if you’re not convinced yet, here are just a few more reasons why AXA is the way to go when it comes to medical coverage in Europe.

First off, AXA’s plans:

And last but not least.
Not only do all our plans meet the requirements for being granted a Schengen visa (as you already know). But our plans are also fully refundable in case your Schengen visa is refused.

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

In short, with AXA, you’re sure to be in good hands — from the day you start your European adventure (and/or Schengen visa application process) until your last day in the Schengen Zone.

So get your free Schengen travel insurance quote today!

How to get Schengen travel insurance FOR a specific country

Already got your sights set on a particular corner of Europe? Well, AXA can likely help you with the right travel insurance — as well as a bunch of helpful travel advice — for dozens of individual countries too. Just follow the link below and take your pick:

How to get Schengen travel insurance FOR a specific country.

How to get Schengen travel insurance FROM a specific country

And, finally, last but not least — the same goes for where you’re applying from. That is, we can help you get the proper Schengen Travel Insurance (for any Schengen country, as well as a few individual ones) from dozens of corners all over the world as well!

How to get Schengen travel insurance FROM a specific country.

So click around, and safe travels!

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FAQ

What other documents are required for my Schengen visa application?

Along with the right Schengen travel insurance certificate, you’ll need some other paperwork too. But AXA can tell you all about the other necessary Schengen visa requirements in terms of paperwork too.

Can I get my Schengen Visa online too?

Not as of late 2024. While you can easily purchase Schengen travel insurance online, you still need to attend an in-person interview for the Schengen visa itself. But AXA can tell you more about the EU’s plan to bring the whole Schengen visa application process online eventually too.

Will my coverage still be valid if I need to claim while outside of the Schengen Area?

No. That is, unless you are in a European Union state covered by AXA’s “Europe Travel” and/or “Multi-Trip” policies, being outside the Schengen countries stated as being covered by your policy will invalidate your claim.