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Travel insurance for the Schengen Area: Top 5
Planning a trip around Europe? Protect your adventure with one of the Schengen travel insurance policies we've listed.
The Schengen Area is made up of several European countries that allow people to travel between them without border checks. However, if you need a Schengen visa, you’ll also need Schengen travel insurance before entering the area.
It is also required for obtaining a student, work, or residence visa. To help you choose the right option, we’ve compared five of the best Schengen travel insurance plans available. Our comparison includes comprehensive policies, visa-friendly plans, options that cover adventure sports, and more affordable alternatives, so you can choose the one that best fits your trip.
1. AXA – Visa applications
If your main goal is to obtain a Schengen visa, AXA is one of the best options. The company offers a policy specifically designed to meet the insurance requirements set by Schengen embassies and consulates. You can purchase it online and receive your insurance certificate immediately, making it easy to include with your visa application. Key benefits include:
- Medical coverage: $58,290
- Trip cancellation: Up to $1,165
- Luggage: Up to $582 per incident of damage, loss, or theft
- Repatriation: 100% covered
- Civil liability: $11,660
- Accidents: Up to $7,000 for disability or death
- Price: Starting at $120 per month
2. Allianz Travel – Comprehensive medical coverage
If comprehensive healthcare coverage is your priority, Allianz is one of the strongest options available. Its plans provide access to extensive medical protection throughout Europe, with Bronze and Silver options to suit different travel needs and budgets. Backed by decades of experience, Allianz has built a solid reputation as a reliable travel insurance provider. Here’s an overview of its key benefits:
- Medical coverage: Up to $116,590
- Dental emergencies: Up to $350
- Trip cancellation: Up to $1,165
- Luggage: Up to $1,750 for damage, loss, or theft
- Repatriation: 100% covered
- Search and rescue: Up to $11,660
- Price: Starting at $225 per month for the Bronze plan and $240 for the Silver plan
3. IATI Backpacker – Adventure activities
If you’re planning an active trip around Europe, IATI Backpacker is one of the best Schengen travel insurance options. It covers more than 60 adventure sports as standard, so you won’t need to pay extra for additional coverage. Whether you’re surfing, scuba diving, hiking, kitesurfing, or skiing, this plan has you covered. Here are its main benefits:
- Medical coverage: $699,545
- Trip cancellation: Up to $6,995
- Luggage: Up to $3,495 per incident of damage, loss, or theft
- Repatriation: 100% covered
- Liability: $69,955
- Accidents: Up to $17,490 for disability or death
- Search and rescue: Up to $17,490
- Price: Starting at $190 per month
4. Heymondo – Premium service
Heymondo Premium is one of the most complete Schengen travel insurance options. It includes unlimited medical coverage, protection for adventure sports, and high accident compensation. If you want strong overall coverage and fewer financial risks during your trip, this is a great option. Here are its main benefits:
- Medical coverage: Unlimited
- Trip cancellation: Up to $11,660
- Adventure sports: Included
- Luggage: Up to $4,6635 per incident of damage, loss, or theft
- Repatriation: 100% covered
- Civil liability: $69,955
- Accidents: Up to $58,295 for disability or death
- Search and rescue: Up to $17,490
- Price: Starting at $190 per month
5. Chapka Cap – Affordable plans
Finally, if you’re looking for a budget-friendly Schengen travel insurance option, Chapka Cap is a strong choice. It offers some of the most affordable plans on the market while still meeting all the basic requirements for traveling within the Schengen Area. Here are the main coverages included:
- Medical coverage: $34,980
- Dental treatment: Up to $175
- Adventure sports: Included
- Repatriation: 100% covered
- Accidents: Up to $116,590 for disability or death
- Legal assistance: Up to $1,165
- Price: Starting at $55 per month for EU citizens and $70 for non-EU citizens
Unlimited internet for traveling in the Schengen Area
Now that you’re familiar with the different Schengen travel insurance options, it’s time to think about something just as important: internet access. With Holafly, you can stay connected across Europe using a single eSIM, making it easy to use the internet while traveling through multiple Schengen countries.
Holafly’s monthly plans are made for trips longer than a month. They include an eSIM that works in over 160 countries, so you can travel around Europe without losing your connection. You can choose 25 GB or unlimited data, use it on multiple devices, and there are no contracts.
For short trips in Europe, Holafly’s international eSIM is a good option because it gives you unlimited data and you only pay for the days you need. In both cases, having internet right away makes it easier to activate insurance, use maps, and deal with any problems while traveling.
Get 1GB of monthly backup data, no extra cost
Frequently asked questions about the best travel insurance for the Schengen Area
If you are not an EU citizen and your country of origin is not on the list of visa-exempt countries, then you will need Schengen travel insurance.
European regulations require a minimum medical coverage of $35,000 for medical care, hospitalization, and repatriation.
In many cases, European citizens can use the EHIC for medical care, but it doesn’t cover things like repatriation, trip cancellations, lost luggage, or personal liability.
Yes, if you buy one of the Schengen travel insurance plans we’ve covered in this article, it will be valid in any country within the Schengen Area.
Schengen travel insurance is designed to protect both travelers and European healthcare systems from the costs of medical emergencies.
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Hi! I'm a Spanish-English translator working with Holafly, helping bring travel content to life for curious travelers. As a digital nomad with a passion for exploring, I'm always adding new spots to my bucket list. If you love to travel like me, stick around because you're in the right place to find inspiration for your next trip! ✈️🌍
