AXA Schengen Insurance: Coverage Options and Benefits Explained
Schengen Insurance not only meets the requirements for visa applications but also offers comprehensive coverage With options ranging from emergency medical expenses to trip cancellation and personal liability, AXA fulfills a range of travel requirements, purchasing AXA Schengen Insurance from reputable companies guarantees a seamless experience.
This article will break down the various coverage options and benefits offered by AXA, ensuring you know exactly what protection you have while exploring the Schengen Area.
What is AXA travel and AXA Schengen Insurance?
AXA Travel and AXA Schengen Insurance represent two distinct yet complementary offerings tailored for the diverse needs of international travelers.
AXA Travel Insurance provides comprehensive coverage. Its robust presence in over 50 countries ensures that clients can access assistance wherever they are, making it a preferred choice for globetrotters seeking peace of mind on their journeys.
AXA Schengen Insurance is specifically designed for travelers heading to the Schengen Area, catering to visa requirements mandated by several European countries.
AXA’s Schengen Travel insurance plans: Comparative Table
| Coverage | Basic | Essential | Premium | Annual |
| Coverage duration | Up to 180 consecutive days | Up to 180 consecutive days | Up to 180 consecutive days | Up to 90 consecutive days per trip. Unlimited trips. |
| Medical expenses coverage | €30.000 | €100.000 | €2.000.000 | €100.000 |
| Emergency dental care | €150 | €150 | €150 | €150 |
| Geographic coverage | Schengen Area | Schengen + UK, Ireland, Cyprus | Schengen + UK, Ireland, Cyprus | Schengen + UK, Ireland, Cyprus |
| Refund in case of visa refusal | Yes | Yes | Yes | Yes |
| 24/7 Medical teleconsultation | Yes | Yes | Yes | Yes |
| Assistance in case of death | Yes | Yes | Yes | Yes |
| Body repatriation and burial | Yes | Yes | Yes | Yes |
| Assistance for formalities | Yes | Yes | Yes | Yes |
| Baggage repatriation | Yes | Yes | Yes | Yes |
| Early repatriation of other insured persons | No | Yes | Yes | Yes |
| Assistance, repatriation following medical incident | Yes | Yes | Yes | Yes |
| Repatriation of the insured person | Yes | Yes | Yes | Yes |
| Repatriation of victim’s companions | No | Yes | Yes | Yes |
| Assistance to a person traveling alone | No | Yes | Yes | Yes |
| Stay extension | No | Yes | Yes | Yes |
| Return after scheduled date | No | Yes | Yes | Yes |
| Search and rescue costs | No | Yes | Yes | Yes |
| Medical expenses intervention threshold | €30.000 | €100.000 | €100.000 | €100.000 |
| Bodily injury and property damage | €10.000 | €10.000 | €10.000 | €10.000 |
| Permanent disability and death | €10.000 | €10.000 | €10.000 | €10.000 |
| Deductible (transfer outside EU) | €20 | €20 | €20 | €20 |
| Travel assistance | No | Yes | Yes | Yes |
| Sending urgent messages | No | Yes | Yes | Yes |
| Communication costs | No | €100 | €100 | €100 |
| Sending medicines, glasses, prostheses | No | Yes | Yes | Yes |
| Daily hospitalization allowance | No | €500 | €500 | €500 |
| Theft of identity documents | No | €100 | €100 | €100 |
| Urgent early return | No | Yes | Yes | Yes |
| Baggage protection and delay | Option available | Option available | Included – €2.500 | Included – €500 |
What does AXA Basic Schengen travel insurance cover?
AXA’s Basic Schengen travel insurance is designed to meet the requirements set forth by the Schengen visa regulations. This plan provides crucial coverage, including medical expenses up to €30,000, which is a fundamental requirement for both short-stay and long-stay visa applications.
Ideal for budget-conscious travelers, AXA’s Basic plan offers comprehensive protection without sacrificing quality. Its extensive geographic coverage encompasses all 26 Schengen countries.
Benefits:
- It includes a range of benefits that cater to unexpected situations, such as medical emergencies, trip cancellations, and lost luggage.
- It is customizable; travelers can tailor their coverage to suit individual needs.
- It offers refundable options, making it a financially wise choice for those looking to protect their investments.
How much does AXA Basic Schengen travel insurance cost?
AXA BASIC – available for as little as €4.90 daily!
*TIP TO SAVE MONEY: Not only is BASIC our least expensive option, but the starting rate of €4.90 per day actually decreases significantly the longer you stay in Europe. For example:
- For 1 to 2 days: €4.90 each day
- For 5 to 8 days: €22 total (which breaks down to €4.40 to €2.75 per day)
- For 105 to 180 days: €189 total (equating to between €1.80 and as low as €1.05 per day!)
What does AXA Essential Schengen travel insurance cover?
The Essential plan remains highly affordable while fulfilling the requirements for a European Schengen visa and providing broader coverage options. It offers extra support and protection for any unfortunate events during your travels in Europe, along with increased medical expense coverage of up to €100,000. Its extensive geographic coverage encompasses all 26 Schengen countries.
This plan is perfect for:
- Travelers eager to discover all of Europe, not limited to just the Schengen area.
- Vacationers seeking total peace of mind through added services.
- Individuals planning an extended stay in the Schengen area (up to 6 months) who require a Type D visa (national or long-stay).
Benefits:
- It is tailor-made to meet the specific needs of travelers heading to the Schengen Area
- It includes coverage for medical expenses, This is particularly crucial in a region where healthcare costs can be exorbitant.
- AXA Essential extends its protective umbrella to include search and rescue costs.
- In case of theft or loss of identity, the policy provides additional benefits.
- 24/7 assistance available.
How much does AXA Essential Schengen travel insurance cost?
AXA’s ESSENTIAL Travel Insurance begins at €8.90 per day*, providing enhanced benefits and additional coverage that extends beyond the Schengen area.
*TIP FOR SAVINGS: Similar to our BASIC plan, the cost of AXA ESSENTIAL decreases with the number of days you select for coverage. Here’s how it breaks down:
- 1 to 2 days: €8.90 daily
- 5 to 8 days: €33 total (€6.60 to €4.20 per day)
- 105 to 180 days: €298 total (€2.83 down to just €1.65 per day)
What does AXA Premium Schengen travel insurance cover?
AXA Premium Schengen travel insurance offers an all-inclusive plan that not only ticks the essential boxes for international travel requirements but also goes above and beyond typical coverage. This premium policy provides additional benefits that set it apart from standard offerings.
It is ideal for those who are both budget-savvy and best-prepared, for those who need both complete protection and zero doubt during their travels. Its extensive geographic coverage encompasses all 26 Schengen countries
Benefits:
- Every assurance provided by the ESSENTIAL plan
- Health expense coverage reaching €2 million
- Insurance for baggage (loss, theft, damage, or delivery delays)
- Comprehensive plan = no concerns
- A single insurance solution for all unexpected occurrences.
How much does AXA Premium Schengen travel insurance cost?
The AXA PREMIUM plan begins at a daily rate of €23.90. Similar to our ESSENTIAL and BASIC plans, the PREMIUM option offers reduced rates for longer travel durations. For instance:
- For 1 to 2 days: €23.90 each day
- For 5 to 8 days: €54.90 total (€10.98 per day, saving €6.86)
- For 105 to 180 days: €439.90 total (€4.19 per day, saving €2.44)
What does AXA Annual Schengen travel insurance cover?
AXA Annual Schengen travel insurance offers a comprehensive safety net for travelers venturing into the Schengen Area. With one subscription enough for one year, this plan is ideal for frequent travelers, providing peace of mind without the hassle of purchasing insurance for every trip. The coverage includes essential medical expenses, trip cancellations, and lost luggage.
Benefits of AXA’s annual policy is its flexibility; it caters to both short getaways and extended stays, accommodating various travel plans throughout the year. With 24/7 assistance available, you can navigate emergencies with confidence, knowing expert help is just a phone call away.
How much does AXA Annual Schengen travel insurance cost?
With AXA ANNUAL, our most comprehensive long-term plan, you can enjoy full coverage for just €349.90 a year. That’s equivalent to under one Euro daily!
Why choose AXA Schengen Travel Insurance for Europe?
- Meet the specific requirements of the Schengen area
- Provide essential coverage such as medical expenses, trip cancellations, and lost baggage
- Offer user-friendly online platform
- Simplifies the process of purchasing and managing your policy
- Customizable
- No age limit
- Excellent value for its cost
- Refundable in case of visa refusal
- Available for just one day, up to six months, or even as an annual subscription
- 24/7 assistance available in multiple languages
- Free medical teleconsultation
- The guarantee of being supported by AXA — an expert, world-renowned, decades-trusted brand
How to Purchase AXA Schengen Insurance?
The purchasing process for AXA Schengen Insurance is straightforward yet requires careful attention to detail.
- Start by visiting the official AXA website or authorized insurance partners, where you can find tailored options suited for your specific travel needs.
- Be sure to compare various plans, as AXA offers different coverage levels based on your itinerary and duration of stay within the Schengen Area.
- Once you’ve selected a plan, the application process is typically user-friendly.
- Fill out your personal details, including travel dates and destination countries, and review the policy’s terms thoroughly.
- After confirming your choices, you can complete the purchase online via through credit card, debit card or by PayPal.
- You will receive your insurance documents via email almost instantly.
When to Purchase?
It’s advisable to purchase your insurance well before your departure date — ideally as soon as you finalize your travel plans. Remember, you cannot buy AXA Schengen Insurance after your departure; doing so would leave you vulnerable to unforeseen incidents during your travels.
Who Can Purchase?
AXA Schengen Insurance is designed primarily for travelers heading to countries within the Schengen Area, making it essential for a diverse array of individuals. Whether you’re a student embarking on an educational journey, a business professional attending conferences, or a family planning a vacation, this insurance provides peace of mind and essential coverage. Importantly, anyone who holds a valid passport from a non-EU country and intends to stay in the Schengen Zone for up to 90 days can purchase this insurance.
How Can AXA Help in a Medical Incident?
In the unfortunate event of a medical incident, AXA stands out by offering a comprehensive support system. With a dedicated emergency assistance team available 24/7, policyholders can access immediate guidance and resources tailored to their specific needs. Ensuring that help is always just a phone call away. Their innovative digital platforms provide users with access to telemedicine services, allowing for quick consultations with healthcare professionals without the need for in-person visits.
In medical incidents, AXA Schengen Insurance pays for the following:
- Emergency medical treatment
- Hospitalization
- Repatriation
- Medical and surgical fees
- Local medical transportation if ordered by doctor
When faced with high costs, policyholders can benefit from AXA’s direct payment system, which alleviates the burden of immediate out-of-pocket expenses. If you find yourself in a situation where you have to pay upfront for treatment, AXA simplifies the reimbursement process.
How to Make a Claim with AXA?
Making a claim with AXA is a streamlined process. You can easily file a claim online through their user-friendly portal. If you’re on the go or prefer speaking to someone directly, you can make your claim by call.
If you’ve found yourself needing to make a claim while abroad, AXA’s support system has you covered. Their global network means that you can access assistance no matter where you are, whether it’s for medical expenses or travel disruptions. After your visit, simply gather all necessary documentation — such as receipts and reports — and submit them through the preferred method. The ease of filing a claim after your experience ensures that you can focus on recovery or resolving issues without added stress.
Does AXA Cover Pre-Existing Conditions?
AXA, like many insurers, requires you to declare any pre-existing conditions during the application process. This transparency is crucial, as failing to disclose such conditions could lead to denied claims or even policy cancellation later on.
What Does AXA Schengen Not Cover?
AXA Schengen travel insurance does not cover the following:
- Pre-existing medical conditions unless they are specifically declared and accepted in the policy.
- Does not cover certain high-risk activities such as extreme sports, adventure racing
- Conditions due to nuclear accident
- Incidents resulting from alcohol or drug use
- Pre planned treatment
- Routine checkup
- Any alternative medicine or treatment which is not officially recognized, such as acupuncture or homoeopathy.
- Diagnosis or treatment for pregnancy
- Terrorist attacks, civil unrest, civil war, etc.
Conclusion
In conclusion, AXA Schengen Insurance offers a comprehensive range of coverage options that cater to the diverse needs of travelers within the Schengen Area. With benefits such as medical expenses, trip cancellations, and personal liability, policyholders can travel with peace of mind knowing they are well-protected. The flexibility of the plans allows individuals to choose the right level of coverage that suits their itinerary and budget. Understanding these options is crucial for ensuring a safe and enjoyable trip abroad.
FAQ
Can I extend my AXA Schengen insurance policy?
Yes, you can extend your AXA Schengen insurance policy before it expires, provided that your travel plans allow for an extension.
Can I pay for someone else’s AXA Schengen insurance?
Absolutely! You can purchase AXA Schengen insurance on behalf of someone else, just ensure you provide their details during the application process.
Do I need to show proof of insurance when entering a Schengen country?
Yes, travelers are typically required to show proof of valid travel insurance upon entry into a Schengen country.
Is AXA Schengen insurance valid for multiple trips?
It depends on the plan. Some AXA Schengen insurance policies offer multi-trip coverage, while others are designed for single journeys only.
Can I cancel my AXA Schengen insurance policy?
Yes, you can cancel your policy within a specified period for a full refund, as long as you haven’t started your trip.
How do I file a claim with AXA Schengen insurance?
You can file a claim by contacting AXA’s customer service or through their online claims portal, where you’ll need to provide relevant documentation.
Does AXA Schengen insurance cover pre-existing medical conditions?
Typically, AXA Schengen insurance does not cover pre-existing medical conditions unless specifically stated in the policy terms. Always check the details to confirm.
Can I include my family members in my insurance policy?
Yes, you can include your family members in your AXA Schengen Insurance policy. Just ensure that all individuals are listed when you apply.
If I do not get my Schengen visa, will I be refunded for my insurance?
Yes, if your visa application is denied, you can request a refund for your insurance policy. Be sure to provide the necessary documentation to support your claim.
Can I purchase AXA Schengen Insurance if I’m already in Europe?
No, AXA Schengen Insurance must be purchased before you arrive in Europe to meet visa requirements. Ensure you arrange it ahead of time.
What should I do if I need medical assistance while abroad?
If you need medical assistance while abroad, call the AXA emergency hotline immediately. They will help you find a local provider and manage your care efficiently.
