Europe travel insurance for Schengen visa

AXA’s Europe Travel insurance offers extensive protection, covering medical expenses up to €100,000 in the following European countries: Austria, Belgium, the 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, as well as the United Kingdom, Bulgaria, Croatia, Cyprus, Ireland, Romania, San Marino, Andorra, Monaco and the Vatican.

It also allows you to obtain the travel insurance certificate required with your Schengen Visa application.

Europe Travel insurance:

  • guarantees a coverage of up to € 100,000 (about US$ 111,000)
  • covers travellers for up to 180 days
  • bears the expenses linked to emergency medical care**, hospitalisation**, sanitary repatriation** or death**
  • offers the refund of your subscribed travel insurance if your Schengen visa application is denied (under certain conditions)
  • no age restriction, 0 deductible

Do you cover emergency medical costs related to Coronavirus?

We will cover your medical costs related to Coronavirus provided you haven’t travelled against World Health Organisation’s advice, medical advice, or any other government body’s advice in your home country or the country you are travelling to. Emergency and additional travel costs are also covered providing you have stuck to this advice.

Do I need an insurance certificate with Covid protection?

All issued electronic certificates purchased on the axa-schengen site include this disclaimer: “Medical fees related to COVID-19 are covered in the terms, conditions & exclusions established in the insurance policy”.

Travel insurance for the European Union and the Schengen area

If you wish to travel to Europe and you do not yet know the details of your itinerary, our AXA Europe Travel insurance is the best choice for you as it will give you the possibility to continue your journey if you decide to visit Ireland or the U.K. for example.

Visit this page to discover all our Schengen visa Insurance warranties.

Will AXA Schengen travel insurance be accepted with my visa application?

Yes ! For over 10 years AXA has been delivering insurance certificates which meet EU countries’ requirements to obtain a Schengen visa.

Is the digital travel insurance certificate valid to submit my visa application?

Yes. All you have to do is print it and enclose it with your visa application file. Each AXA Schengen insurance policy is individualized and bears a number that is verifiable on our website.

I don’t need a Schengen visa to visit Europe. Can I still purchase your insurance to cover my possible health expenses?

As the saying goes “Better safe than sorry“. If the Schengen travel insurance is not mandatory for some travelers, the troubles they might face are still very real. A broken wrist or nasty infection can happen to anyone! We thus strongly recommend that you subscribe to our insurance for travelers visiting Europe to make sure your trip is as safe and peaceful as possible.

How much does Europe Travel, AXA Schengen visa travel insurance cost?

Great news ! Our travel insurance which will allow you to enjoy a peaceful visit to Europe is cheap. For a one week stay, it starts at €30 ($33).

How many days will I be covered by my travel insurance?

Europe Travel insurance covers travellers for up to 180 days (around 6 months). Our Mult Trip insurance covers travellers in Europe for stays of 90 days (3 months) during 1 year

The Schengen Europe travel insurance, an extensive coverage

You are not quite sure of your European itinerary but you need to be covered everywhere, wherever your travels take you for business or pleasure ? AXA Europe Travel is the Europe visa insurance you need to stay anywhere in the Schengen area as well as in any country of the European Union.

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After subscribing to your Europe Travel insurance on line, you will receive a certificate by email. You must enclose it with your Schengen visa application: it meets all the requirements of the countries of the Schengen area.

It offers the basic warranties required for your medical and repatriation expense coverage. If you do not provide this travel insurance certificate, your application will not be examined and your visa request will be denied.

Warranties of Europe Travel, AXA’s travel insurance for Europe

Europe Travel also offers 4 essential advantages:

  • Immediate coverage. Your insurance covers you from the first day you need it.
  • No age restriction
  • No price variation because of nationality or age
  • No health questionnaire

If your Schengen visa application is denied, you can ask for your Europe Travel insurance to be refunded.

** Before paying any medical expenses, travellers must first contact AXA Assistance medical service.

This insurance does not cover the country of residence

Ready to subscribe?

Features at Glance

Extended protection

(children, urgent messages, communication, theft, papers, search & rescue costs)

Meets all visas requirements from the European regulation

Medical expenses covered up to 100.000€

Assistance 24 / 7 – Emergency helpline

Cover details

Emergency Medical Expenses
Repatriation to country of residence
Emergency medical care
Assistance in case of death
Countries covered***Austria, Belgium, the 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, as well as the UK, Bulgaria, Croatia, Cyprus, Ireland, Romania, San Marino, Andorra, Monaco and the Vatican

Visit our Low Cost insurance page and our Schengen insurance for 1 year page to see the full benefits offered by AXA Schengen.

Travel Insurance For Trips To Europe

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors’ opinions or evaluations.

Travel Insurance For Trips To Europe


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European countries are welcoming U.S. tourists with open arms—and Americans are eager to travel again. Europe is packed with history, beaches, chic cosmopolitan excitement and religious treasures. The destination is particularly appealing because there are ample direct flights and you can visit more than one country in one big trip.

If you’re making European travel plans, don’t forget to lock in travel insurance.

Canceling a European Trip

When you’re planning a great trip to Europe the last thing you want to do is think about canceling it. But planning ahead in case you have to cancel is smart, especially if you’re putting down plenty of euros on a vacation.

Trip cancellation insurance can return 100% of your pre-paid, non-refundable trip expenses if you have to cancel for a reason covered by the policy. Reasons generally include sudden sickness or the death of a close family member. Check your policy for the list of acceptable reasons for making a cancellation claim.

“It helps when you’ve spent a significant amount on making deposits and payments upfront and want to protect that investment,” explains Lisa Cheng, a spokesperson with World Nomads, a travel insurance company. Other reasons could include weather emergencies or terrorist emergencies, either in the U.S. or Europe.

Additionally, if you’re planning to go to certain countries in Eastern Europe, you should research well in advance any travel alerts related to increased incidents of crime or civil unrest, says Scott Adamski, spokesperson with AIG Travel.

For example, you might consider an optional upgrade like AIG Travel’s Security Bundle, which provides:

  • Additional coverage in case of a security evacuation
  • AIG’s Flight Guard (accidental death and dismemberment insurance)
  • Coverage for trip cancellation/interruption due to riot or civil unrest

If you want the highest tier of flexibility to cancel a trip, consider upgrading your standard travel policy to “cancel for any reason.” This allows you to cancel the trip for reasons covered in the base policy, like fear of traveling or simply changing your mind. Reimbursement is usually 50% or 75% of trip costs.

To use this coverage you must cancel your trip at least 48 hours in advance. You can’t wake up and cancel the trip the day you’re scheduled to leave.

Also, the flexibility comes at a price: Usually about 40% more than a standard travel policy.

Trip Delay Insurance

Whether you’re going to one European country or visiting multiple destinations, travel delay insurance could be considered an essential coverage for visitors to Europe, especially if there are multiple legs on your trip.

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“This benefit can reimburse you for covered expenses that you’ve had to incur because of airline or weather delays—for example, hotel stays, meals, taxis—up to a per day and total maximum benefit amount,” explains Cheng.

There are two things to remember about travel delay coverage: It usually starts only after a minimum amount of time (for example, six hours), and the delay has to be caused by a problem defined in your travel insurance policy, says Cheng.

Trip Interruptions in Europe

There’s another benefit to travel insurance that could potentially save you a lot of money: Trip interruption coverage. Because a trip to Europe often includes several stops, you likely have multiple deposits paid in advance, especially during peak travel months.

If you need to return home due to a child’s health emergency—or other reasons listed in the policy—you can use your trip interruption benefits to cover last-minute flight changes, and recoup any deposits, payments and expenses that you will lose.

Getting Medical Insurance for Europe

Any international should mean a purchase of travel medical insurance. While traveling in Europe, your U.S. health plan (including Medicare) likely does pay for medical expenses like hospital bills, ambulance costs or doctor visits if you require medical attention.

A robust travel insurance policy will provide medical expense coverage in case you get sick or injured during your travels. Make sure you purchase your travel insurance at the time you book your trip. If you have a pre-existing medical condition, some policies grant a waiver if you buy your travel insurance within two to three weeks of booking your trip.

European travel generally includes day trips and tours with lots of walking. There are also foods that may not be cooked or prepared in the manner you are accustomed to. If you suffer food poisoning from dining out, or trip over a broken sidewalk, travel medical insurance is your safety net.

Medical Evacuations on a European Trip

Europe offers world-class medical centers, but you may not be in close proximity to one if you have an accident or fall ill.

For example, if you are in a port city along the Rhine River and you develop a reaction to shellfish you ate at a waterside café, getting medical attention quickly is required. There may be a local health clinic there, but if you develop life-threatening reactions like organ failure, a large hospital is best.

This is where emergency medical evacuation coverage can make a huge difference. Your travel insurer’s 24/7 emergency assistance team can dispatch a medevac to take you to a hospital to treat your serious condition. If your condition is serious enough you could also be transported back to the U.S. for medical care. This is why it’s good to have a high level of emergency evacuation coverage.

Insurance for Baggage and Belongings

Any travel overseas comes with some risk. In Europe losing your passport is particularly inconvenient if you need to show an ID at the airport or on a train.

Your travel insurance company’s assistance team can help direct you to get a temporary passport and identify the location of the closest consulate, says Cheng at World Nomads.

While in Europe, it’s important to take precautions against crime. Petty crimes and the theft of personal belongings is fairly common, especially in tourist areas packed with people. Don’t draw attention to yourself with flashy jewelry or expensive clothing or accessories.

If you do become the victim of pickpockets or thieves, report the crime to your tour company (if you have one) and the local authorities. You can make a claim under baggage/personal effects coverage for stolen items but you will need to provide documentation. Baggage coverage pays for the depreciated cost of your belongings, not the cost to replace them with new items.

What Exactly Is PLPD Insurance?

The term PLPD insurance refers to “Personal Liability And Property Damage” liability coverage. Such type of a cover will pay costs for treatment of bodily injuries caused to other persons (victims) in an at-fault accident caused by the insured car.

Besides, PLPD auto insurance policies may also cover damages caused to other person’s vehicle or property during an at-fault accident involving the insured car. In a standard car insurance policy, both these aspects are part and parcel of liability coverage.

Static Factors That Affect the Rates of Plpd Car Insurance

Young and inexperienced drivers can expect to pay higher premiums for car insurance.

Male drivers are charged more for auto insurance as compared to female drivers because of driving record.

Drivers in urban areas and neighbourhoods with high crime rates will be charged much higher.

What Does PLPD Insurance Cover?

Getting PLPD car insurance policies pay costs for medical treatments to people on whom bodily injuries are inflicted or whose property gets damaged due to an accident involving the insured car. It will also reimburse expenses towards lawyer’s fees against legal suits and other person’s car or property repairs within specified limits.

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PLPD auto insurance policies do not cover driver of the insured car or fellow passengers in it at the time of accident. To protect your finances, you will be required to buy comprehensive and collision coverage features. Alternatively, you can purchase PIP (Personal injury protection)or uninsured/underinsured motorist coverage to get financial protection.

buying plpd auto insurance

Vital Things to Consider While Applying for PLPD Insurance Quotes Online

There could be varied reasons due to which you may have to buy car insurance even if you don’t have a driving license. Some of these are as under:

  • The abbreviation PLPD may also referred to as public liability and property damage.
  • A typical PLPD vehicle insurance coverage pays costs for damages incurred by others.
  • To keep your auto insurance premium low, you can opt for purchasing liability coverage only.
  • For finding the best as well as the cheapest PLPD insurance car quote, it could be vital for you to do extensive shopping and compare free proposals offered by several different top rated insurers. Determine how much minimum car coverage you will need to ensure safety of your finances. If you have low budget then you can just buy state prescribed basic liability coverage

PLPD Auto Insurance Coverage Likely to Cover Following Expenses

Ambulance, hospital bills and medical treatment costs could be covered under this policy. Costs for crutches, wheelchair and medical equipments may also be reimbursed by the cover.

If victim(s) file lawsuit against you post and accident with your car then policy will pay costs for legal fees and judgements/settlements resulting due to lawsuit.

If the injured victim(s) is not able to go to work then your PLPD auto insurance coverage will kick in and will pay lost income within pre-specified limits in the insurance policy.

Personal injury and property damage insurance cover will also pay expenses for repair of other person’s car/property that gets damaged because of accident with the insured car.

When insured car knocks down someone’s tree or causes damage to landscape, the policy will be paying costs for removal of the trash accumulated in the surrounding area.

If your car gets involved in an accident then likely that you may be sued in the court of law. In such a situation, this coverage will pay costs for lawyer’s fees, settlement or judgments.

How Does PLPD Insurance Work?

PLPD auto insurance coverage immediately comes into play after you get involved in an at-fault accident with the insured car. All persons, who need treatments for bodily injuries or those whose property has been damaged on account of accident, will be reimbursed expenses under the contents of such type of policy.

A full or no-fault car insurance coverage will cover first party claims as well. This means bodily injuries caused to owner driver, fellow passengers in insured car at the time of accident and damages to the car will also be covered. You need not prove the other person’s fault.

personal injury and property damage insurance cover

FAQS On PLPD Insurance Policy

Take advantage of cost-free specialist services online to find the best quotes! Act today to get started!

Under new law, you may now have six different types of PIP coverage options to choose from. You only have to assess your coverage needs and how much you can afford before you start exploring your alternatives. Besides, Medicare and some qualified healthcare insurance plans may also cover bodily injuries. You can check whether you are eligible to receive such coverage and make an informed decision accordingly.

No. Most of the insurance companies update policies at regular intervals. To that effect, if your family members are not listed on your car insurance cover, they might not be eligible to receive car coverage with PIP after new changes have been effected to PIP coverage law.

The premium for car insurance and accruing potential savings could depend on which PIP coverage option you have chosen. A particular option may work well for others but it might not be beneficial for you. To know which alternative may be the most favourable for you.


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