Schengen Visa Insurance Pricing Report 2026
Which Schengen visa insurance provider is cheapest? AURAS has the lowest verified flat daily rate, from $1.50/day, then SafetyWing from $2.24/day. EKTA's Start plan can look cheaper on paper ($0.99-$1.37/day) but carries a 25% deductible and only $50,000 of aggregate cover. AURAS and EKTA share one non-EU underwriter and a $3,000 per-event claim cap, so neither is directly comparable to the deductible-free, higher-cap tiers of the other providers.
This page collects the pricing and coverage facts we've independently verified for the six Schengen visa insurance providers we compare, each sourced from a live quote, a primary policy document, or a Trustpilot listing, with the date we checked it. It's the raw dataset behind our comparison tables, published separately so journalists, researchers, and other travel sites can cite specific figures directly. Every number links back to how we got it; nothing here is estimated or scraped from a third party.
Base pricing per day
These are the lowest verified per-day rates at each provider's entry tier, before age and duration adjustments. They aren't directly comparable line-for-line: coverage limits, deductibles, and what's included vary by provider, which is exactly why the tables below break each of those out separately.
| Provider | Base rate | Entry-tier cover | Deductible |
|---|---|---|---|
| SafetyWing | from $2.24/day | $250,000 max limit/period | None |
| AURAS (35k) | $1.50/day flat (no duration discount; $2/$3/$5 per day on the 100k/500k/1M tiers) | $35,000 medical on the euro plan, $3,000 per-occurrence cap | $100 per claim |
| EKTA (Start) | $0.99–$1.37/day | $50,000 (aggregate), $3,000 per-occurrence cap | 25% |
| Heymondo | ~$1.85–$3.00/day (varies by plan) | $250,000–$500,000 by tier | Not disclosed at general-contract level |
| Europ Assistance (Schengen) | €30 flat / 14 days (~€2.14/day) | €30,000 | None |
| AXA Schengen | €4.90/day, dropping to ~€1.05/day for 105–180-day stays | €30,000 (Basic) / €100,000 (Essential) / €2,000,000 (Premium) | None on standard tier |
Source: provider quote tools and primary policy documents (IPID/T&Cs/General Conditions), each read in full · AXA verified against its live pricing page 2026-09-09 · SafetyWing verified against its live quote widget 2026-09-15 · AURAS verified against its live Schengen calculator and policy wording 2026-10-02 · Europ Assistance, Heymondo and EKTA verified against quotes and primary source documents 2026-09-12 · See our methodology for how we source figures.
Deductibles and per-claim sub-limits
A headline coverage figure only tells part of the story. EKTA's tiers advertise up to $500,000 of aggregate cover, but every single covered event across all three tiers is capped at a $3,000 per-occurrence sub-limit, confirmed directly in EKTA's Schedule of Benefits. AURAS, which shares EKTA's underwriter, has the same $3,000 per-occurrence cap on all four of its tiers (policy Section VI, clauses 14-15), a $100 default deductible per claim, and requires prior written agreement for any treatment expected to cost over $1,000. That means a $500,000 Max+ policyholder still can't recover more than $3,000 for any one illness or injury claim. EKTA also applies a steep age-60+ override that replaces the tier limit entirely: a 65-70-year-old is capped at $9,000 with a 20% deductible regardless of which tier they purchased, dropping as low as $2,000 with an 80% deductible past age 100.
Europ Assistance and SafetyWing have no deductible clause anywhere in their primary policy documents, confirmed by reading both in full. Heymondo's General Conditions state the deductible is set in plan-specific "Particular Conditions" issued at purchase, not disclosed in the general contract itself, so it can't be stated as a fixed number here.
Visa-refusal refund policy
| Provider | Refunds on visa refusal? | What's refunded |
|---|---|---|
| AXA Schengen | Yes, automatic | Full premium |
| Europ Assistance | Yes, automatic (subject to conditions) | Full premium, if trip hasn't started and no claim was filed |
| EKTA | Optional paid add-on only | The visa application fee itself, not the insurance premium |
| AURAS | Optional paid add-on only (~$49) | Reimburses the visa application fee on an official refusal letter, not the premium; add-on terms not yet verified against its Terms PDF |
| Heymondo | No | Not present in General Conditions (read in full) |
| SafetyWing | No | Not present in Description of Coverage (read in full) |
Source: each provider's terms and conditions / IPID, read in full 2026-09-12–13. See the full breakdown on visa refusal refunds.
Underwriter and regulatory jurisdiction
Not all six providers are EU-regulated, and this is disclosed unevenly across the industry. AXA Schengen and Europ Assistance S.A. (Irish Branch) are both EU-regulated entities. EKTA's underwriter, Auras Insurance LLC, is licensed in Anjouan, Union of Comoros; the policy explicitly states it "does not voluntarily submit to the regulatory oversight, consumer protection regimes, or jurisdiction of the European Union," with disputes going to binding arbitration under Comoros law. AURAS is underwritten by the same company, so the same applies to it. SafetyWing's underwriter, SafetyWing Insurance I.I., is domiciled in Puerto Rico and regulated by Puerto Rico's Commissioner of Insurance, not an EU body. Neither arrangement is improper or hidden, but it's a material difference worth knowing before you buy.
Trustpilot scores
| Provider | Score | Reviews |
|---|---|---|
| Heymondo | 4.3 · Excellent | 3,822 |
| SafetyWing | 4.3 · Excellent | 4,042 |
| AXA Schengen | 3.3 · Average | 1,831 |
| Europ Assistance | 1.3 · Bad | 219 |
| AURAS | 3.2 · Average | 169 |
| EKTA | No rated profile | — |
Source: Trustpilot.com, checked directly 2026-09-12 (Heymondo, SafetyWing), 2026-09-13 (AXA Schengen, Europ Assistance, EKTA) and 2026-10-02 (AURAS; AURAS's own site implies about 4.9, the independent figure is 3.2). Europ Assistance's sample size (219) is far smaller than the other providers' — worth weighting accordingly rather than treating it as equally robust.
How we source this data
Every figure on this page comes from one of three places: a live quote we ran ourselves on the provider's own site, a primary policy document (IPID, General Conditions, or Terms & Conditions) read in full rather than summarized from a marketing page, or a direct Trustpilot listing. We don't publish a number without a source and a date attached, and we flag it explicitly when a figure is unconfirmed rather than guess. Full detail on our process is on the methodology page.
Questions people ask about this data
Which provider is cheapest per day? AURAS, from a verified $1.50/day, then SafetyWing at $2.24/day. EKTA's Start plan can look cheaper on paper but carries a 25% deductible and a $50,000 aggregate limit, so it isn't a like-for-like comparison.
Which providers have no deductible? Europ Assistance and SafetyWing, confirmed by reading both providers' full policy documents. AXA Schengen also runs deductible-free on its standard tier. AURAS charges $100 per claim by default.
Which providers refund the premium on visa refusal? AXA Schengen and Europ Assistance, both with conditions (trip not started, no claim filed). EKTA only refunds the visa fee itself, as a paid add-on; Heymondo and SafetyWing have no visa-refusal clause at all.
Are all six providers EU-regulated? No. AXA Schengen and Europ Assistance are. EKTA and AURAS (both Comoros, same underwriter) and SafetyWing (Puerto Rico) are not.
Which provider has the best Trustpilot score? Heymondo and SafetyWing are tied at 4.3, both with roughly 4,000 reviews. AURAS has 3.2 on 169 reviews and EKTA has no rated profile.
Does a higher coverage limit always mean better protection? Not necessarily — check per-claim sub-limits, not just the aggregate figure. EKTA's $3,000 per-occurrence cap applies regardless of tier.
Which Schengen visa insurance provider is cheapest per day? AURAS, from a verified $1.50/day, is the cheapest flat daily rate among the six providers we track, with SafetyWing next at $2.24/day. EKTA's Start plan can undercut both on paper ($0.99-$1.37/day) but carries a 25% deductible and only $50,000 of aggregate cover, so it isn't a like-for-like comparison.
Which providers refund the premium on visa refusal? AXA Schengen and Europ Assistance both refund the premium against proof of refusal, but only if the trip has not started and no claim was filed (Europ Assistance's terms are confirmed in its policy document, AXA's come from its own refund page). EKTA only refunds the visa application fee itself, and only as a paid add-on. Heymondo and SafetyWing have no visa-refusal refund clause anywhere in their policy documents.
Are all 6 providers regulated in the EU? No. AXA Schengen and Europ Assistance are EU-regulated entities. EKTA's and AURAS's shared underwriter, Auras Insurance LLC, is licensed in Anjouan, Union of Comoros, and its policy explicitly states it does not submit to EU regulatory oversight, with disputes going to arbitration in Comoros. SafetyWing's underwriter is domiciled in Puerto Rico, regulated by Puerto Rico's Commissioner of Insurance, not an EU body.
Using this data
If you're citing a figure from this page in your own article, link back to this URL so readers can see the primary source and verification date behind it. We update this report as pricing or policy terms change; the byline date at the top reflects the last verification pass.
See how these six providers stack up side by side for your exact trip dates and age.