One of the main requirements of a Schengen visa application is a valid travel health insurance policy, which complies with the Schengen visa insurance requirements. Additionally, you must make sure you purchase from a reputable company, as healthcare costs in most Schengen countries are too high to pay out of pocket.
AXA Schengen insurance offers three different policies, which befit all types of travellers, and issues Insurance Certificates which you can submit at any Schengen Embassy, Consulate, or Visa Application Center.
AXA Schengen Insurance Plans
AXA offers three Schengen medical insurance plans:
- Schengen Low Cost. This plan starts at €22 per week and offers the minimum required coverage for the Schengen visa application (€30,000). This is the option for adult travellers on a tight budget. Minors are not covered by this plan.
- Schengen Europe Travel. This plan starts at €33 per week and offers coverage up to €100,000. It also includes coverage for minors, theft of valuables, and other emergencies, so it is suited for family trips.
- Schengen Multi-Trip. This plan costs €328 per year per person and is best suited for frequent travellers as you are covered for unlimited trips for one year.
What Does AXA Schengen Cover?
AXA covers medical emergencies and repatriation through the entire Schengen Zone, and even for the theft or loss of travel documents or IDs. The amount of coverage will depend on which plan you purchase: Low Cost, Europe Travel or Multi-Trip. See a side-by-side breakdown of the three available options:
| Schengen Low Cost | Schengen Europe Travel | Schengen Multi Trip | |
| Countries covered | Schengen countries, along with Liechtenstein, San Marino, and the Principalities of Andorra and Monaco. | EU/Schengen countries, along with Liechtenstein, San Marino, the Principalities of Andorra and Monaco, and Great Britain. | EU/Schengen countries along with Liechtenstein, San Marino, the Principalities of Andorra and Monaco, and Great Britain. |
| Medical and repatriation coverage | Up to €30,000 | Up to €100,000 | Up to €100,000 |
| Coverage for minors (under 18 years of age) | N/A | Yes | Yes |
| Duration of coverage | Up to 180 consecutive days | Up to 180 consecutive days | Up to 90 consecutive days per trip. Unlimited trips. |
| Repatriation of remains in case of death; funeral costs | Yes | Yes | Yes |
| Repatriation of your companions in case of death | Only for baggage | Yes | Yes |
| Assistance in case of hospitalization (e.g. bringing a companion if travelling alone) | N/A | Up to €750 | Up to €750 |
| Extending the trip in case of hospitalization | N/A | Up to €750 | Up to €750 |
| Daily compensation in case of hospitalization | N/A | Up to €500 | Up to €500 |
| Sending urgent messages | N/A | Yes | Yes |
| Theft of ID or travel documents | N/A | Up to €100 | Up to €100 |
| Delivering urgent messages | N/A | Yes | Yes |
| Delivering essential medicines, glasses, contact lenses and prostheses | N/A | Yes | Yes |
| Expenses related to a Search and Rescue operation | N/A | Up to €5,000 | Up to €5,000 |
| Cost of policy | €21.90/week | €32.90/week | €328.00/year |
| Get Free Quote | Get Free Quote | Get Free Quote |
Pricing Table
View the pricing options for AXA Schengen insurance based on the duration of your trip. This table provides a clear breakdown of costs for both Low Cost and Europe Travel plans, helping you choose the most suitable coverage for your travel needs.
| Trip Duration (Days) | Low Cost | Europe Travel |
|---|---|---|
| 1 to 2 | €4.9 | €8.9 |
| 3 to 4 | €19 | €19.9 |
| 5 to 6 | €21.9 | €32.9 |
| 7 to 8 | €21.9 | €32.9 |
| 9 to 12 | €39.9 | €49.9 |
| 13 to 16 | €39.9 | €61 |
| 17 to 20 | €49.9 | €69 |
| 21 to 24 | €55 | €81 |
| 25 to 31 | €62 | €99 |
| 32 to 38 | €72 | €105 |
| 39 to 45 | €72 | €114 |
| 46 to 62 | €79 | €129 |
| 63 to 90 | €99 | €179 |
| 91 to 105 | €119 | €194 |
| 106 to 180 | €189 | €298 |
How to Purchase AXA Schengen Insurance?
You can only purchase insurance plans online, through the official website, by following these steps:
- Go to AXA website.
- Select the dates of travel.
- Select how many people are included in the insurance policy.
- The cost of the policy will be presented after giving this information.
- Enter the name and details of the policyholder (the person who is paying) as well as the insured party (the one/s who will travel and use the insurance policy).
- Pay for the insurance policy via a credit or debit card or PayPal.
- After payment, you will receive the Insurance certificate, which you can submit for your Schengen visa application. You will also receive the Certificate at your email address.
When you purchase insurance on AXA Schengen, you will create an account that you can use to access information regarding your policy, download your Insurance Certificate, as well as register a Claim if you need to later on.
When to Purchase?
You must purchase AXA Schengen Insurance before your trip starts – coverage will start when you depart for the Schengen Zone. You cannot buy an insurance policy after having travelled to Schengen.
Who Can Purchase?
Anyone who wants to travel to the Schengen Zone can apply for AXA Schengen travel insurance, regardless of nationality or Schengen visa requirements.
Naturally, travel insurance is obligatory for those who are subject to Schengen visas, but you can purchase a travel insurance plan with AXA even if you are an EU national or someone who can travel to the Schengen zone visa-free.
How Can AXA Help in a Medical Incident?
If you are in a medical incident while abroad, you can contact AXA via their 24/7 call centre, who will get in touch with the local attending physician and assist you as appropriate. Naturally, in an emergency, you must first contact the local authorities or emergency services.
In medical incidents, AXA Schengen Insurance pays for the following:
- Medical and surgical fees
- Prescription medication.
- Urgent dental care (up to €150 per person).
- Hospitalization.
- Local medical transportation, if ordered by a doctor.
If the medical costs are high, then AXA will pay them directly so that you do not have any massive out-of-pocket expenses. If you pay yourself, then you can make a claim and you will be reimbursed later.
👉 Find Low-Cost Schengen Health Insurance Plans
How to Make a Claim with AXA?
You can make a Claim with AXA Schengen Insurance online (via your account) or by calling the company directly at the call centre. Make sure you have your insurance policy number with you, and that you contact them as soon as possible.
If you are still abroad, AXA will assess the situation and help you in any manner suitable for your situation, such as arranging transportation or offering guidance.
To make a Claim upon your return, you will need documents that justify your expenses as well as a copy of the Claim Form, in which you describe the details and nature of your Claim. AXA will process your submission, and reimburse you as needed.
>> Step-by-Step Process to Make a Schengen Insurance Claim
Does AXA Cover Pre-Existing Conditions?
In most cases, travel insurance companies do not offer coverage for any serious pre-existing medical conditions. However, you should still declare any conditions you may have so that AXA can show you the amount of coverage you are offered. If you do not disclose a condition, then you will not be covered during your trip.
If I Do Not Get My Schengen Visa, Will I Be Reimbursed?
If your Schengen visa application is rejected, you may be eligible for reimbursement of your AXA Travel Insurance. You must submit the rejection letter, along with any other documents that the company requires. They will offer a full refund via the same method which you paid.
Can I Include My Family Members in My Insurance Policy?
Yes, you can include up to ten people under one application and one payment.
Can I Pay for Someone Else?
Yes, you can pay for someone else’s AXA Insurance Policy. When purchasing, you will be required to distinguish between the policy holder (the person paying for the policy) and the beneficiary (the person who will travel to the Schengen Zone and use the policy).
The Insurance Certificate will hold the name of the insured, not that of the payer.
Can I Extend My AXA Schengen Insurance?
In most cases, you cannot extend your insurance policy if you are still inside Schengen borders. However, you may be able to request an extension if:
- You can prove you absolutely cannot leave the Schengen Zone before your current policy expires due to “exceptional and unexpected circumstances”.
- Your current policy has not expired yet.
What Does AXA Schengen Not Cover?
AXA Schengen Insurance policies do not offer coverage for the following:
- Anything not included in the insurance policy agreement. Make sure you read the policy carefully to know what is included and what is not.
- Any non-urgent or optional care, or treatment for benign disease or lesions, which do not hinder your journey.
- Any expenses you were aware of, or which occurred before starting the journey.
- Any pre-existing conditions, which are not stable and at risk of worsening.
- The relapse of a pre-existing condition.
- Planned medical treatment.
- Stays in rehabilitation centres or physiotherapy care.
- Medical check-ups or periodical examinations.
- The cost or reparation of prescription glasses, contact lenses, medical devices, prostheses.
- Contraception.
- Vaccines.
- Beauty or dietary treatment.
- Any alternative medicine or treatment which is not officially recognized, such as acupuncture or homoeopathy.
- Diagnosis, monitoring, or treatment of pregnancy, unless the appearance of a complication which is not foreseen before week 28.
- Treatment for pre-existing mental illness.
- Any illness or injury which is a result of alcohol or drug consumption.
- Any illness or injury which is a result of suicide or self-harm.
- Any illness or injury which is a result of criminal activities.
- Any illness or injury which is a result of competing in professional/competitive sports, when you are not a professional athlete.
- Any condition which is a result of a nuclear accident or from radiation from radio-isotopes.
- Any conditions happening during a force majeure, when AXA cannot provide assistance.
- Terrorist attacks, civil unrest, civil war, etc.
Other Travel Insurance Guides and Related Information
- France Visa Insurance Guide
- Spain Visa Insurance Guide
- EU Travel Insurance from the UK
- Travel Insurance by Europ Assistance
- Travel Health Insurance for US Visitors and Tourists in Europe