Anyone who has applied for a Schengen visa knows that one of the main requirements of visa applications is having valid travel insurance for the entire Schengen Zone. Even if a visa is not required, travel insurance is always recommended – if nothing, for your own peace of mind, especially considering the high prices of healthcare for tourists and non-residents in most EU countries.
Europ Assistance offers two insurance plans which meet the requirements of Schengen visa applications and are accepted by all Schengen embassies, consulates and visa application centers.
Europ Assistance Plans
Europ Assistance Schengen
- Assistance in the event of illness or injury: Up to € 30,000
- No deductible
- Coverage area: Covers trips in the Schengen area
- Cost: starting from €3 per day (save 10% with promo code EAB)
Europ Assistance Schengen Plus
- Assistance in the event of illness or injury: Up to €60,000
- Coverage area: Covers trips in the Schengen area plus Cyprus, Ireland and the UK
- No deductible
- Cost: starting from €5 per day (save 10% with promo code EAB)
- Return/relocation and lodging expenses of a companion
- Extension of stay
What Does Europ Assistance Cover?
The coverage included on Europ Assistance’s travel insurance depends on the plan you purchase. For those travelling to Europe, the following two plans are available:
| Plan Schengen | Plan Schengen Plus | |
| Countries covered | All Schengen Area countries | All Schengen Area countries plus Cyprus, Ireland, and the UK. |
| Medical expenses | Up to €30,000 per person / claim | Up to €60,000 per person / claim |
| Dental expenses | Dental emergencies up to €100 | Dental emergencies up to €100 |
| Medical repatriation | Covers for transfer to a better equipped or more specialised hospital near your usual place of residence. | Covers for transfer to a better equipped or more specialised hospital near your usual place of residence. |
| Extension of hotel stay due to sudden illness or accidental bodily injury (when prescribed by a doctor) | N/A | Up to €100 per day to a maximum of €500 and 5 nights. |
| Transport of a companion to accompany you if you need medical repatriation | N/A | Up to €500 |
| Transport of a companion to accompany you n the event of your hospitalization | N/A | Up to €500 |
| Lodging expenses of your companion in the event of your hospitalisation | N/A | Up to €100 per day to a maximum of €500 and 5 nights. |
| Providing a companion to minors younger than 14 years of age and to persons with disabilities | N/A | Coverage of up to €500 for the cost of transportation of the companion as well as the travel ticket. The companion can be either someone designated by the client or someone appointed by Europ Assistance. |
| Transport of mortal remains | Covers the expenses incurred by transferring the body to the place of burial or cremation or from the place of burial or cremation to the funeral operator’s premises. | Covers the expenses incurred by transferring the body to the place of burial or cremation or from the place of burial or cremation to the funeral operator’s premises. |
| Coffin cost | Covers the minimum cost of a wooden coffin, handles and nameplate. | Covers the minimum cost of a wooden coffin, handles and nameplate. |
| Get a Free Quote | Get a Free Quote |
How to Get Schengen Travel Insurance with Europ Assistance?
You can buy travel insurance on the official website of Schengen Europ Assistance (here). You only need to enter the nationality, age, and the intended days of travel for each person you are insuring. You can add up to nine people under one plan.
Then you can proceed to the payment of the policy via Visa, MasterCard or American Express credit/debit cards, or PayPal. Someone else can pay on your behalf – their name will not be shown on the Insurance Certificate.
Immediately after purchasing the policy, you will receive an email with your Insurance Certificate and Special Conditions documents, which include your policy number and the conditions of your travel insurance plan. You can also download these documents from your account.
Europ Assistance Schengen
- Assistance in the event of illness or injury: Up to € 30,000
- No deductible
- Coverage area: Covers trips in the Schengen area
- Cost: starting from €3 per day (save 10% with promo code EAB)
Europ Assistance Schengen Plus
- Assistance in the event of illness or injury: Up to €60,000
- Coverage area: Covers trips in the Schengen area plus Cyprus, Ireland and the UK
- No deductible
- Cost: starting from €5 per day (save 10% with promo code EAB)
- Return/relocation and lodging expenses of a companion
- Extension of stay
Why Europ Assistance?
- It meets all European regulation requirements.
- It is valid for tourists, family and business travellers to Europe
- You can download your Schengen Insurance Certificate right away.
- Reimbursement in case of Schengen visa refusal.
Who Can Purchase?
Nearly everyone can purchase a travel insurance plan with Europ Assistance, including:
- Travellers who need a visa to enter the Schengen Zone.
- Travellers who do not require a visa to enter the Schengen Zone.
- Travellers with EU citizenship travelling to another EU/Schengen country.
Excluded: Travellers with the following nationalities cannot subscribe to a travel insurance plan with Europ Assistance: Iran, Syria, Belarus, Burma/Myanmar, Cuba, North Korea, Somalia, Sudan, Zimbabwe.
When Does Coverage Start?
Your travel insurance policy with Europ Assistance will start coverage the moment you depart from your country and enter the EU/Schengen Zone, and it will end the moment you leave the EU/Schengen Zone, either because your trip ended or because you were evacuated or repatriated.
When you purchase a policy, you have to select the days during which you will travel. You are only protected during those days, and only if you are travelling. You do not have medical insurance in your country of residence.
Can I Take Travel Insurance for Multiple Trips to Europe?
Yes, you can buy a travel medical policy for multiple trips to Europe. The total duration of the policy will be one year, and each individual trip cannot be longer than four months.
Can I Extend my Coverage?
No, you cannot extend your existing plan. If you need to extend your trip beyond the expiry of your current policy, then you have to purchase a new insurance policy to cover those days. For more information, please contact the support team of Europ Assistance!
How Much Does Schengen Insurance with Europ Assistance Cost?
The price of Schengen Travel Insurance with Europ Assistance depends on the following factors:
- The plan you choose. The Schengen Plus plan offers more coverage, therefore the cost is higher.
- The duration of your trip. For example, for a one-week trip for one person, the cost of the policy will usually be €30 to €49, depending on the plan you choose.
- How many people are included in the policy? You can add up to 9 people in one plan.
How to Buy Schengen Travel Insurance with Europ Assistance?
To purchase Schengen travel insurance with Europ Assistance, you will need to follow these steps:
- Go to the official website of Europ Assistance.
- Click on the red “quote” button.
- Select the number of people you want to include in your policy.
- Fill in the boxes that ask for the travel dates.
- Choose your country of residence.
- Click “See the prices” button.
- Choose between two plans (Schengen or Schengen Plus).
- Click “Subscribe”.
- Enter your personal information.
- Complete the purchase form.
After you complete all these steps, you will then receive a document in your email, which confirms that you have purchased Schengen insurance with Europ Assistance.
How Can I Make a Claim with Europ Assistance?
To make a claim with Europ Assistance, you have to contact them as soon as possible by sending an email or by entering the designated website for making claims, aptly named the eClaims Portal.
If you choose to seek medical treatment from one of their medical partners, you may not have to pay anything upfront as the company will cover the expenses immediately. If you go to another medical practitioner, you have to pay the costs yourself and be reimbursed later.
To make a claim with Europ Assistance, you need the following:
- Your policy number, contact information, present location, and the details surrounding the accident or illness and the type of assistance you are requesting
- Documents that attest to the accident or illness, such as medical reports, hospital documents, police reports or filed complaints, etc. The documents have to include the date of the accident/illness, the treatment you received, as well as any other relevant records.
- Documents that attest that you were inside the territory in which you have coverage at the time of the accident, such as your travel tickets and Schengen Visa. These documents have to include your full name and dates of the trip.
- If you cannot submit sufficient information regarding your medical condition: A form which the Europ Assistance provides you with, which the medical practitioner overseeing your treatment has to complete.
- Receipts or original invoice for your trip.
- Proof you have purchased the insurance plan.
- Original invoice issued by the relevant service provided, regarding the costs you were subject to, which breaks down the sum and items involved.
Does Europ Assistance Cover Adventure Sports?
Europ Assistance’s travel health insurance policies have restrictions on the amount of coverage (if any) they offer when you get into an accident engaging in extreme or adventure sports, such as:
- Winter sports
- Competitive sports or races
- Boxing, weightlifting, wrestling, martial arts
- Mountaineering with access to glaciers, sledging, scuba diving, caving water-skiing, jumping
- All airborne sports
- Rafting, bungee jumping, hydrospeed, gorge walking, mountaineering,
- Cave, sea or desert rescue, etc.
What Does Europ Assistance Not Cover?
Europ Assistance does not cover any of the following:
- Persons aged 75 or more.
- Any costs which you have not notified Europ Assitance of and for which you have not received an authorization.
- Any expenses occurring before the insurance policy starts or ends.
- Any expenses for which you cannot provide documentary proof.
- Any medical expenses in your country of residence.
- Any expenses related to the following: mental illness, preventative medical check-ups, cosmetic surgery, heat treatment, Acquired Immunodeficiency Syndrome, alternative and complementary medical treatments, physiotherapy and/or rehabilitation.
- A trip where the purpose is medical treatment or surgery.
- Non-urgent dental interventions, such as normal decay of the tooth or dental prostheses or damage to dental prostheses.
- Vaccinations.
- Medical treatment, which can be reasonably delayed until you return home.
- Expenses related to the extension of your Schengen visa.
- Anyone who is included on the international lists of potential terrorists.
- Any medical treatment which you scheduled before or during the trip, and is not an emergency.
- The cost of prescription eyeglasses or contacts, implantation substitution (e.g. pacemakers and stents), the removal or repair of prostheses, as well as anatomic or orthopaedic parts.
- Expenses related to stays in a rest home.
- Expenses related to physiotherapy, physical education, chiro practice.
- Expenses related to the shipping of medical drugs.
There are also restrictions on the following:
- Adventure or extreme sports
- Suicide attempted suicide, self-injury and self-inflicted wounds, or self-harm.
- Illness or injury resulting from drug or alcohol consumption.
- Pre-existing Medical Conditions.