EKTA Schengen insurance review
Is EKTA a legitimate Schengen visa insurance provider? EKTA issues certificates that meet the €30,000 Article 15 minimum and are accepted by Schengen consulates. It's a smaller, budget-focused insurer than AXA or Europ Assistance, and customer reviews are mixed — check current reviews before buying.
EKTA consistently prices at or near the bottom of our comparison table. That's real, but it comes with a smaller company profile and mixed customer feedback — here's what to weigh before choosing it purely on price.
What it actually is
EKTA is a budget-focused Schengen visa insurer offering a certificate that meets the €30,000 Article 15 minimum, issued instantly by email after purchase. It's a smaller operation than AXA, Europ Assistance or Heymondo, with fewer plan tiers and add-ons.
Where it wins
Price. EKTA is consistently one of the lowest daily rates on our comparison table, and it currently runs a site-wide discount applied automatically at checkout — worth checking the live price before you assume the sticker rate is final.
Fast issuance. Like the other providers on this page, the certificate arrives by email within minutes of payment, so it works even on the day of your appointment.
Meets the legal minimum. The €30,000 cover, Schengen-wide validity and repatriation are all stated explicitly, satisfying the same Article 15 requirement as every other provider here.
Where it falls short
Fewer plan tiers. EKTA doesn't offer the range of add-ons or higher-cover tiers that larger insurers like AXA or Europ Assistance provide.
Mixed customer reviews. Unlike AXA or Europ Assistance, EKTA doesn't have the same track record or brand recognition, and customer feedback online is mixed. This doesn't mean the certificate won't work for your visa application — it does meet the legal requirement — but it's worth reading current reviews before buying, particularly if you might need to make a claim.
Refund terms less prominent. Whether you get a refund on visa refusal isn't a headline feature the way it is with AXA — check the current terms directly on EKTA's site.
Who it's actually for
EKTA makes sense if your main priority is the lowest possible sticker price and you're confident you won't need to make a claim beyond the visa certificate itself — most applicants never use the policy for anything more than that. If certificate recognition, refund guarantees, or a larger insurer's track record matter more to you than a euro or two per day, AXA or Europ Assistance are the safer picks.
Bottom line
EKTA meets the legal requirement at one of the lowest prices available, but it's a smaller company with mixed reviews, so it suits budget-first applicants more than risk-averse ones. Check the full comparison table and current reviews before deciding.
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