Schengen visa insurance, compared the way embassies check it
A certificate that misses an Article 15 requirement can cost you a visa appointment. Compare plans that pass the consulate checklist, from about €1 per day, with the certificate in your inbox in minutes.
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The consulate checklist
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Indicative prices based on the insurers' published rates. Your exact quote is calculated on the insurer's site: age, residence and plan options can move the final price.
Flat daily rate for your exact travel dates: $250,000 medical, no minimum term, visa letter on demand.
- 4.3 “Excellent” on Trustpilot from 4,000+ reviews
- No deductible: pure pay-and-claim, nothing withheld
- $250,000 cover, repatriation included
- Visa letter downloads instantly from your account
- Kids under 10 free on an insured parent's plan
Reward code 8 weeks of electronics-theft cover free for new members on a 28-day or annual Essential plan. Click the pink camera on SafetyWing's sign-up page and enter the code before you create your account; after 8 weeks the add-on renews as a paid add-on.
Get my SafetyWing price →Enter the same ages, trip length and your exact travel dates on the insurer's form. The price there is the binding one.
- The certificate states at least €30,000 medical cover
- It is valid in all Schengen states, not just your main destination
- The dates cover your full itinerary, entry to exit
- Medical repatriation is shown on the certificate
Estimates only, calibrated against public quotes and reviewed periodically. The insurer's checkout price is the binding one. SafetyWing charges a flat daily rate for specific travel dates (no duration discount), so its price shown above scales normally with the number of days you pick. It isn't sold to travelers 70 and older. For ages 0–17 it shows as free, since a child under 10 travels at no extra cost as a dependent on an insured parent's plan (up to 2 children per family). A child aged 10–17 buying their own policy instead pays the adult rate. AURAS charges a flat daily rate at every trip length, the same price from age 18 to 65, a surcharge from age 66, and more for children; it is billed in USD, so the euro figure shown is an estimate. EKTA is listed under other insurers at its regular estimate; its partner discount ended on 8 October 2026. AURAS is listed under other insurers too: it no longer runs an affiliate programme with us.
Compare Schengen visa insurance plans
Six providers sold for Schengen visa applications; the first, SafetyWing, is our featured partner. Prices are indicative starting rates; your exact quote depends on age, trip length and country of residence. Always check that the certificate states the medical cover, repatriation and Schengen-wide validity a visa application requires.
| Provider | Medical cover | Price from | Refusal refund | Certificate | |
|---|---|---|---|---|---|
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Featured
Priced for your exact travel dates, $/day, no minimum term
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$250,000 | from $2.24 / day | Check terms | Instant PDF visa letter from your account | Get my exact price → |
| Other insurers we track | |||||
Budget-focused Schengen visa insurer, no Trustpilot profile to check reviews against
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$50,000 (Start plan, 25% deductible; higher tiers up to $500,000, no deductible). Not valid for the visa from age 60: cover drops to $10,000 or less | from about €2.20 / day | Check terms | Instant by email | Read EKTA review → |
Flat daily rate from $1.50, billed in USD; same Comoros-registered insurer as EKTA; Trustpilot 3.2 (169 reviews)
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€35,000 on the euro plan; $50,000 to $250,000 medical on higher tiers ($100 deductible) | from $1.50 / day | Optional add-on (about $49), check terms | Policy emailed after payment; certificate wording not yet verified by us | Check AURAS price → |
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Most established
Largest dedicated Schengen visa insurer
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€30,000 – €2,000,000 | from €4.90 / day | Yes | Instant, verifiable online by consulates | Read AXA review → |
Generali Group; Schengen Plus doubles the required cover
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€30,000 (€60,000 with Schengen Plus) | from €3 (€5 for €60,000 plan) | Yes | Instant, recognized by all embassies | Read Europ review → |
|
Best app
24/7 in-app doctor chat, direct hospital billing
|
$250,000 – $500,000 (plan-dependent) | varies by trip | Check terms | Instant by email | Read Heymondo review → |
Source: provider pricing pages, policy wordings & EU Regulation 810/2009, Article 15 · Verified September 2026; AURAS verified 2 October 2026
Starting prices observed at the providers' own websites; always confirm the final price and certificate wording on the insurer's site before purchase. One link on this page, SafetyWing, is a paid affiliate link; the AURAS, AXA, Europ Assistance, Heymondo and EKTA links are direct and currently pay us no commission.
What the law actually requires
EU Regulation 810/2009, Article 15, defines four conditions. An officer checks your certificate against each one, and if any is missing, the application is refused on formal grounds.
Emergency treatment, hospitalization and ambulance transport: €30,000 is the legal floor under Article 15. Applicant reports and visa-centre guidance suggest Germany and France look more favourably on certificates showing €50,000+, though that's not a published legal requirement.
The certificate must say "valid in the entire Schengen Area". A policy listing only France fails at the German consulate, and vice versa.
Coverage dates must span every day of the stay. A policy ending on your departure date with a next-day connecting flight is a documented refusal reason.
Consulates check that the certificate clearly documents repatriation cover. Read the PDF before you submit and make sure it is stated, not just implied.
Provider notes
Short, honest summaries. Click through for the full review of any provider.
SafetyWing
- Meets the Schengen requirement: $250,000 cover, all 29 states, repatriation included
- Subscribe once and cancel anytime, no need to rebuy for every trip
- Visa letter downloads instantly from your account
- Kids under 10 travel free as a dependent on an insured parent's plan (up to 2 per family)
- Flat daily rate with no duration discount, so a long trip doesn't get proportionally cheaper the way it does with other insurers
- Not sold to travelers 70 and older; a child 10–17 buying their own policy pays the adult rate
- Type D long-stay/residency visas (Germany, Spain, Portugal) usually need a different insurer
Code 8 weeks free electronics-theft cover for new members on a 28-day or annual Essential plan (details on SafetyWing's sign-up page).
Get my exact price → Full review →AURAS
- Flat $1.50 per day on the entry plan at any trip length, the same price from age 18 to 65
- A euro-denominated €35,000 plan clears the €30,000 minimum; higher tiers go to $250,000 medical
- Pay by Visa, Mastercard, UnionPay, PayPal or Apple/Google Pay
- 24/7 support with local phone numbers in India, the UAE, the Philippines and more, plus WhatsApp
- Comoros-registered, not EU-regulated, and the same insurer that stands behind EKTA; disputes go to arbitration in Comoros
- Trustpilot 3.2/5 from 169 reviews, mostly complaints about denied or slow claims and the 48-hour notice rule
- Any single medical event is capped at $3,000 whatever the tier, treatment over $1,000 needs the insurer's written consent first, and pre-existing or chronic conditions are excluded
- A surcharge applies from age 66 and children pay more than adults
- We have not verified how clearly its certificate shows repatriation cover: read the PDF before you submit
EKTA
- Meets the €30,000 minimum at one of the lowest daily rates on this page
- Certificate issued instantly by email
- Fewer plan tiers and add-ons than the larger insurers
- Check current customer reviews before buying, since experiences are mixed
AXA Schengen
- AXA states its certificates are accepted for Schengen visa applications; each one is verifiable online
- Full refund on visa refusal with the embassy letter
- Essential and Premium plans extend cover to the UK, Ireland and Cyprus
- Often costs more than online-only competitors for the same trip
- Basic plan covers only the €30,000 minimum
Europ Assistance
- €60,000 cover, double the minimum, reads well with visa officers
- Part of Generali, one of Europe's largest insurers
- 24/7 emergency line and repatriation explicitly included
- Fewer plan tiers to choose from
Heymondo
- Direct hospital billing, so no paying huge bills and waiting for reimbursement
- 24/7 doctor chat in the app
- Strong option for longer trips and multi-country itineraries
- Verify the certificate explicitly meets visa wording before submitting
- Pricing varies more with destination and duration