Europ Assistance Schengen insurance review
Is Europ Assistance Schengen insurance accepted by all consulates? Yes. Europ Assistance is part of the Generali Group, one of Europe's largest insurers, and its Schengen certificates are recognized by all Schengen consulates, including stricter ones like Germany and France.
Europ Assistance's pitch is simple: pay a bit more and get double the required medical cover, backed by one of the continent's largest insurance groups. Here's when that trade-off is worth it.
What it actually is
Europ Assistance is the travel insurance arm of Generali, offering a Schengen-specific certificate that satisfies the Article 15 requirements at the €30,000 base tier. Its distinguishing feature is Schengen Plus, a higher tier that doubles the medical cover to €60,000 — well above the legal minimum — with a 24/7 emergency line and repatriation explicitly stated on the certificate.
Where it wins
Double cover for a modest premium. Schengen Plus raises cover from €30,000 to €60,000 for roughly €2 more per day than the base plan — a small price for a certificate that reads more conservatively at a consulate's desk.
Backed by Generali. Europ Assistance is part of Generali Group, one of Europe's largest insurers, which gives its certificates the same kind of institutional recognition that AXA's carry.
24/7 emergency line. Support is available around the clock, and repatriation is stated explicitly rather than buried in the policy wording — one less thing for a visa officer to question.
Where it falls short
Fewer plan tiers. Europ Assistance offers just the base and Schengen Plus tiers, compared to the wider range some competitors (like AXA) offer for travelers who want more granular options.
Not the cheapest. Like AXA, you're paying a premium over budget options for the recognition and higher cover — from about €3/day at the base tier, or around €5/day for the €60,000 Schengen Plus plan.
Who it's actually for
Europ Assistance makes the most sense for applicants heading to consulates with a reputation for stricter scrutiny — Germany and France are the two most commonly cited — where a €60,000 certificate can remove one potential point of friction. It's also a solid pick if you specifically want the reassurance of a large, recognizable underwriter without shopping around plan tiers.
Bottom line
Not a budget option, and it doesn't try to be. If the extra cover and Generali backing matter more to you than shaving a euro off the daily rate, it's a reasonable choice. Check the full comparison table to see how it stacks up against the other four providers.
Compare the five providers whose certificates consulates accept, or estimate the price for your exact trip in 10 seconds.