Schengen Travel Insurance

Schengen Travel Insurance

Schengen Travel Insurance


Traveling to a Schengen Area?

To ensure a smooth travel experience in European countries, it's essential to be aware of the regulations outlined in the Schengen Agreement. This treaty establishes the Schengen Area, comprising of 27 European countries that have removed internal border checks for short-term tourism, business travel, or transit to non-Schengen destinations. Citizens from the United States, Brazil, Canada, and Mexico have visa-free agreements to the Schengen Territory, so long as their stay is 90 days or less in a 180-day period.

You may wish to take the following steps to avoid any issues during your trip:


  • Double-check the expiration date on your passport, paying particular attention to the validity of childrens passports, whic are only valid for five years.
  • Make sure your passport is valid for at least six months beyond your intended return date
  • Always carry your passport with you when traveling to other countries within the Schengen Area. While there may not be any border checks at the time of your travel, officials have the authority to reinstate border controls at any time, without prior notice.

Other important information, including passport validity requirements for your destination country, can be found on the U.S. Department of State – Bureau of Consulate Affairs.

Schengen Travel Insurance of which AXA is a leading provider, covers you in all 27 Countries within the Schengen Territory that have abolished internal border controls for their citizens. The countries are:

Austria  Belgium Croatia Czech Republic
Denmark  Estonia Finland France
Germany Greece Hungary Iceland
Italy Latvia Liechtenstein Lithuania
Luxembourg Malta The Netherlands  Norway
Poland Portugal Slovakia Slovenia
Spain Sweden Switzerland  

It also covers states which are de facto within the Schengen Area such as Monaco, San Marino, and Vatican City, which have opened their borders with, but are not members of, the visa-free zone.
These countries include many of Europe’s most popular tourist hotspots, including Paris, Berlin, Rome, the Alps, the Greek islands, Amsterdam, and many more, as well as hidden gems that are becoming more popular with travelers looking for new experiences, like the Baltic states, Finland, Poland, and Hungary’s capital Budapest. 

Countries not included in the Schengen Area are:
Albania Armenia Azerbaijan Belarus
Bosnia & Herzegovina  Bulgaria Croatia Cyprus
Ireland Macedonia Moldova Montenegro
Serbia Ukraine United Kingdom  Romania


Do I need travel insurance while traveling to Schengen Countries?

The main purpose of travel insurance is to provide  protection to travelers in case of eligible unexpected events such as medical emergencies, accidents, trip cancellations, lost luggage, and other travel-related issues. Without adequate insurance coverage, travelers may face significant financial losses and hardships if they encounter any unforeseen circumstances while traveling in the Schengen Territory.

AXA is a reputable provider of travel insurance for the EU Union. With a presence in over 30 countries across 5 continents and over 20 years of experience, we are committed to providing our customers with reliable coverage no matter where their travels take them. Our policies offer coverage at reasonable rates for a wide range of travel- related risks, including medical expenses, emergency medical evacuation, trip cancellations, personal liability, and more.

AXA Gold and Platinum plans cater to the needs of Schengen Travelers. With our travel protection plans, you can be covered for medical expenses, emergency evacuations and repatriations, and Covid related issues. In addition, our 24/7 emergency assistance and support services can help you deal with unforeseen circumstances during your trip. Learn more about our travel plan benefits.

US Travelers who are seeking Travel Insurance for the visa-free Schengen Zone can do so by purchasing online or calling 855-327-1441 Monday – Saturday 8AM – 7PM CST.
Receive a free quote within minutes of completing our travel form or speak with our team of licensed travel advisors to help you customize and choose the right travel insurance plan for you.

What do I receive with my Schengen travel insurance?

US travelers who have purchased an AXA travel protection plan will be covered accordingly based on their travel plan selection. In general, our travel plans offer a variety of coverage limits that you can select based on your needs and travel plans. These include emergency accident and sickness medical expense coverage, trip cancellation or trip interruption coverage, baggage delay or  baggage and personal effects coverage, rental car damage coverage, optional trip cancellation for any-reason, and more!

It is recommended to get travel insurance; regular health insurance may not cover all of your medical expenses during your trip or provide overseas coverage in case of any unforeseen circumstances. Additionally, if you plan to visit multiple Schengen countries or want to have a flexible itinerary, travel insurance is a great way to ensure coverage in most European countries.

It is important to carefully review your policy and understand what is and isn't covered, as well as any exclusions or limitations that may apply.

What countries are covered under my AXA Travel Plan?

Our Gold and Platinum Plan are Schengen Eligible. Meaning travelers will be covered in all 27 countries in the Schengen Territory.

How can AXA help with your trip to Europe?

AXA offers reasonable travel plans to meet your travel needs when traveling abroad. With extensive coverage in medical emergencies, trip cancellation, trip delays; AXA Travel Insurance has you covered in your time of need. Our travel protection plans offer coverage for various situations during your trip. This includes medical expenses up to $250,000 for the Platinum plan, emergency evacuations and repatriation up to $1,000,000 for the Platinum Plan.
Additionally, we provide round-the-clock emergency assistance and support services to help you deal with any unexpected situations that may arise. 

How to get a Travel Protection Quote

Receive a free quote within minutes
Or call us at 855-327-1441 to speak with our licensed Travel Insurance Advisors.
Monday-Saturday, 8AM-7PM Central Time


Does AXA Travel Insurance provide coverage for Schengen Visa?

AXA Gold and Platinum plans offer the necessary medical and assistance coverage in all 27 countries in the Schengen Territory. However, the Gold and Platinum plans only provide coverage up to 60 – 90days.

What should I do if I have a medical issue while in the Schengen Area?

Please contact the local authority as soon as possible. Then contact us on the phone number given with the special conditions you receive after taking out your policy. Our helpful staff will then do all we can to resolve your issue and get you treatment or travel home, in line with the conditions of your policy. If you require assistance while traveling, call us at +1312-935-1719

The embassy states that I must get an insurance certificate with Covid protection. Is this possible?

Travelers who have purchased an AXA travel plan will receive a Covid letter along with their confirmation of coverage and terms & conditions document.