Planning a trip to Europe? If your itinerary includes countries within the Schengen Area—a zone of 29 European nations that allows travelers to move freely across borders without additional visas—you may need Schengen travel insurance, especially if you’re a U.S. resident or Green Card holder applying for a visa.
Here’s an easy-to-follow guide to help you find the best Schengen travel insurance, ensuring that your coverage meets all requirements and offersflexibility during your trip.
Who Needs Schengen travel insurance?
If you need a Schengen visa… U.S. residents and Green Card holders applying for a Schengen visa are required to include a travel insurance certificate as part of their visa application. This certificate must meet specific criteria established by the EU Visa Code, including mandatory health coverage.
It’s essential to purchase your Schengen travel insurance before submitting your visa application, as your travel insurance certificate will be one of the required documents for approval.
If you don’t need a Schengen visa… If you're a U.S. citizen and can enter the Schengen Area without a visa, Schengen travel insurance isn’t mandatory but highly encouraged. Traveling without health insurance abroad can leave you exposed to expensive medical costs, especially if you need emergency medical evacuation or repatriation back to the U.S.
What are the Mandatory Requirements for Schengen travel insurance?
To meet the Schengen visa requirements, your travel insurance must include the following:
- Medical coverage of at least €30,000 (almost $33,000)
- Validity across all Schengen Area countries, even if you plan to visit only one
- Coverage of medical expenses and hospitalization due to illness or accident during your trip
- Evacuation coverage in case of severe health issues
- Validity for the entire duration of your stay within the Schengen Area
It’s important to note that without Schengen travel insurance, your visa application may be rejected. Additionally, ensure your insurance is accepted by all Schengen member states, including popular travel destinations like France, Germany, Italy, and Spain.
Comparing Schengen travel insurance Policies: 10 Key Questions to Ask
To choose the right travel insurance for your trip to Europe, make sure to consider these questions:
- Does the Schengen travel insurance meet all Schengen visa requirements?
- Is my insurance accepted by consulates and embassies of the Schengen states?
- Does my Schengen travel insurance have any deductibles?
- Is the Schengen travel insurance cost affected by my age?
- Are there any age limits for coverage?
- Is a medical exam required before purchase of the travel insurance plan?
- How long will it take to get your travel insurance certificate?
- Does the Schengen travel insurance provide coverage for all of my needs?
- Are additional coverages like lost documents or search and rescue included?
Always read the General Terms and Conditions, paying attention to any exclusions or limitations in the travel insurance policy.
Why Choose AXA Schengen travel insurance?
AXA Schengen travel insurance plans meet all visa requirements and offer multiple coverage levels depending on your needs. Whether you’re a first-time traveler or a frequent visitor to Europe.
AXA Offers:
- Medical coverage up to $100,000
- Up to $500 for dental emergencies
- Medical evacuation and repatriation services
- 24/7 assistance for any issues during your trip
You can purchase AXA Schengen Travel Insurance online quickly and easily. Once you complete your purchase, you’ll receive a travel insurance certificate that you can print and submit with your visa application.
AXA Schengen travel insurance Options
AXA offers three custom options to suit different travel needs:
1. AXA Schengen Essential (starting from $26)
This Schengen travel insurance is ideal for travelers applying for a Schengen visa. It provides the mandatory coverage required, including medical expenses, hospitalization, and evacuation, across all Schengen Area countries.
2. AXA Schengen Advantage (starting from $33)
In addition to meeting Schengen visa requirements, this travel insurance covers more than just the Schengen states. It includes the entire EU, the United Kingdom, and microstates like Andorra and Monaco. Extra benefits such as search and rescue coverage and emergency return to the U.S. are also included.
3. AXA Schengen Annual (starting from $314 per year)
Perfect for frequent travelers or multiple-entry visa holders, this annual Schengen travel insurance provides coverage across the Schengen Area, EU countries, and the UK. It covers medical expenses up to $100,000 and offers additional benefits like trip interruption and evacuation.
With AXA, you’ll enjoy:
- Global expertise and a trusted international brand
- 24/7 assistance to handle any emergencies
- Instant access to your insurance certificate upon purchase
- No age limit for coverage
- Zero deductible on medical claims
- Affordable and flexible pricing
- Ready to Protect Your Journey? Buy AXA Schengen travel insurance Online
Whether you’re taking a short vacation or traveling multiple times a year, AXA offers flexible Schengen travel insurance plans to match your needs. Visit the AXA website today to compare your options, select the right plan, and purchase coverage online.
With AXA, you’re empowered to travel with confidence and protect your trip, every step of the way.
AXA Schengen travel insurance
Essential
The AXA Schengen Essential offers cost-effective coverage for your trip to Europe. With up to $50,000 in medical protection, it helps you stay prepared for the unexpected. Whether you’re traveling for leisure, business, or require a Schengen visa, it meets all official requirements and offers protections across all countries in the Schengen Area.
Advantage
The AXA Schengen Advantage offers flexible protection for your trip to Europe. With up to $100,000 in medical coverage, it offers higher coverage limits as you travel across all Schengen Area countries.
Annual
The AXA Schengen Annual provides coverage for all your trips to Europe throughout the year. With up to $100,000 in medical coverage, it is ideal for frequent travelers and multiple-entry Schengen visa holders.