According to the latest EU requirements for Schengen visa insurance, COVID-19 coverage is not mandatory. However, it is highly advisable to choose an insurance policy that includes COVID-19 coverage.
Do Schengen Medical Insurance Plans Cover COVID-19?
Yes, some Schengen insurance policies cover COVID-related illness, provided that when you travel, you respect the laws and regulations of your country’s government and the World Health Organization (WHO). COVID-19 insurance covers the following:
- Health emergencies related to COVID-19, including medical treatment, medication, and hospitalization.
- PCR test (sometimes).
Expenses related to quarantine requirements, such as accommodation, are not covered.
The amount of COVID insurance coverage depends on the specific policy. For example, AXA Schengen covers your medical and repatriation costs if you fall ill with COVID-19 and “related illnesses”, whereas MondialCare covers all medical consequences of contracting COVID-19 and a positive PCR test (but not a negative one).
On the other hand, under any circumstances, some insurance companies do not cover any expenses related to epidemics or pandemics, including COVID-19.
Whether an insurance company covers COVID-19 is stated in its policy features and terms and conditions, so make sure you read the fine print carefully.
Schengen Travel Insurance Plans with COVID-19 Coverage
Mutuaide Basic
- Coverage: Medical expenses abroad up to EUR 30,000
- Coverage Area: Worldwide
- Cost: Starting from EUR 3.00 per day for a 10-day trip
- Deductible: €0
- Validity: 1 Trip
- Sports (search and rescue costs)
- All epidemics
AXA Gold
- Coverage: Medical expenses abroad up to EUR 50,000
- Coverage Area: Schengen Area, plus French overseas territories, Cyprus, Ireland, and the UK.
- Cost: Starting from EUR 6.35 per day for a 7-day trip.
- Deductible: from EUR 30 to EUR 50
- Air ticket cancellation & Luggage insurance
- Sports (search and rescue costs)
- Terrorism & Covid-19
AXA Platinum
- Coverage: Medical expenses abroad up to EUR 100,000
- Coverage Area: Schengen Area, plus French overseas territories, Bulgaria, Cyprus, Ireland, Romania, and the UK.
- Cost: Starting from EUR 3.75 per day for a 120-day trip
- Deductible: from EUR 30 to EUR 50
- Air ticket cancellation & Luggage insurance
- Sports (search and rescue costs)
- Terrorism & Covid-19
- Annual - Max. 120 days per trip
👉 Affordable Schengen Travel Insurance: Low-Cost Options for Every Budget
FAQ
What if the embassy asks for a Schengen insurance certificate with COVID protection?
If your insurance policy includes Schengen protection, it should state so on the certificate. If your insurance certificate does not explicitly state that you have COVID protection, you could ask your insurer to provide you with one that does.
Can I extend my travel insurance policy if I need to prolong my trip due to COVID-19 travel restrictions?
If your trip in Europe is extended due to COVID travel bans, and your travel insurance is about to expire, you can purchase a new insurance policy or renew your existing one. You will, of course, have to pay an additional charge. Check with your travel insurance company regarding their rules on the extension or renewal of a policy.
If I need to prolong my trip due to a closure of the airport or due to official travel restrictions, can I extend my insurance policy?
Each travel insurance company applies its own rules. Contact their customer service/support team to know the details. It should be possible to either get a refund for your current policy or be able to extend your current travel policy.
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