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AXA vs AURAS: which Schengen visa insurance should you buy?

Last updated: October 2, 2026 · By Benzi Peleg, licensed insurance agent (Israel)

These sit at opposite ends of the market. AXA is the name consulates see most and the priciest per day on a short trip; AURAS is the cheapest flat rate we track, from a Comoros underwriter. The honest comparison is what the price gap buys.

What each one actually is

AXA Schengen is a purpose-built visa insurance line from AXA Group, in three tiers: Basic (€30,000), Essential (€100,000) and Premium (€2,000,000). Full details in our AXA review.

AURAS is a day-priced policy from Auras Insurance LLC (Comoros), sold in four sizes with a flat daily rate: $1.50 on the entry plan. It shares its underwriter with EKTA. Full details in our AURAS review.

Price by trip length and age

Total cost for one traveler on each provider's entry plan, in euros. AURAS is flat per day at every age from 18 to 65 and rises from 66; AXA is shown on its entry plan.

Sources: this site's RATES model; AXA recalibrated against live quotes on axa-schengen.com 2026-09-21; AURAS measured live 2026-10-02 at a flat $1.50 a day and converted to euros (AURAS bills in USD)

18-39: AURAS is cheaper up to 60 days, AXA from 90 days. 60-69: AURAS is cheaper up to 60 days, AXA from 90 days. 70+: AURAS is cheaper up to 30 days, AXA from 60 days.

Cover, deductible and claims

Sources: AURAS policy wording, checked 2026-10-02 · AXA tier limits confirmed live on axa-schengen.com; AXA policy wording not yet reviewed in full

Age limits, refusal and reviews

Visa refusal. AXA states that it refunds the premium against an official refusal letter if you ask before your cover starts and have made no claim (from its own refund page, checked October 3, 2026; we have not read that term in a policy wording). AURAS offers an optional add-on of about $49 that reimburses the embassy fee, not the premium, and we could not find it in its wording.

Older travelers. AXA sells to travelers over 70 at a higher age-adjusted rate, with no confirmed upper cutoff. AURAS sells beyond 70 too, with a surcharge from age 66 (about 1.2 times at 66, 1.6 times at 86).

Reviews. AXA holds 3.3 out of 5 on Trustpilot from 1,831 reviews; AURAS holds 3.2 from 169. Neither is strong, and AURAS reviewers cite denied and slow claims and the 48-hour notice rule.

Trustpilot read directly on trustpilot.com: AXA 2026-09-13, AURAS 2026-10-02

Who each one is for

AXA suits first-time applicants who want the least room for doubt at the consulate, anyone who values a premium refund on refusal, and longer trips of about 90 days where its steep long-stay discount closes the gap.

AURAS suits a budget traveler on a trip of up to about two months who mainly needs the certificate, and who accepts a non-EU underwriter, a $3,000 per-event cap and pre-approval rules for treatment over $1,000.

Bottom line

If a refusal or a certificate question would wreck fixed plans, AXA's recognition and premium refund are what the extra money buys. If you are watching every euro on a short trip and the risk of a large claim is low, AURAS is the cheaper certificate, with its claim cap and approval rules as the price. Check the full comparison table against your exact age and dates before buying.

Frequently asked questions