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How much does Schengen visa insurance actually cost?

Last updated: October 2, 2026 · By the SchengenCompare editorial team

Somewhere between €1 and €3 a day for most people, but that range hides more than it tells you. Four things move the number, and only one of them is the provider you pick.

The short answer

For a healthy adult in their 20s or 30s on a two-week trip, expect to pay roughly €15 to €45 total for a compliant policy, depending on provider and cover limit. Run your own dates through the price estimator on our homepage; it's faster than working through this math by hand, and it pulls from the same rate patterns we use below.

What actually changes the price

Age. This is the biggest single factor. Insurers price in brackets, and the jump after 60 is steep: a 65-year-old can end up paying two to three times what an 18-39-year-old pays for an identical trip on the same plan. This isn't the provider being difficult; older travelers file more claims, and pricier ones, so the actuarial math reflects that.

Trip length. Per-day rates drop the longer you travel, the same logic as a bulk discount. A 60-day trip won't cost four times what a 14-day trip costs, even though it's more than four times the days, since insurers front-load some of the price into the first couple of weeks. The total still goes up with trip length, it just doesn't scale linearly.

Cover limit. €30,000 is the legal floor and the cheapest tier on most plans. Bumping up to €50,000 or €60,000 usually costs a euro or two more per day, not a multiple. Worth it if you're applying through a consulate known for preferring higher limits, or if anyone on the trip has a health condition that makes a bigger claim plausible.

Provider. At the same age, trip length and cover limit, prices between insurers can still differ meaningfully. AURAS and EKTA tend to sit at the lower end for a standard trip, with Heymondo close behind; AXA and Europ Assistance cost more per day but bring stronger brand recognition at the border or higher default cover. SafetyWing prices differently again: a flat daily rate with no duration discount, so a long trip costs proportionally the same per day as a short one, unlike AXA, Europ Assistance, Heymondo and EKTA (AURAS is flat too, at a lower rate).

Total price by trip length and age

This is the number people actually want: total cost for the whole trip, not a per-day abstraction. Each cell is the range across AXA Schengen, Europ Assistance, Heymondo, EKTA and AURAS for a single traveler on the base €30,000 plan, cheapest provider to most expensive, for that exact age and duration:

Trip length	18–39	40–59	60–69	70+
7 days	€9–€22	€9–€23	€10–€33	€13–€42
14 days	€18–€40	€18–€44	€20–€62	€25–€80
30 days	€35–€77	€38–€84	€42–€120	€54–€153
60 days	€64–€140	€71–€154	€84–€217	€99–€281
90 days	€91–€200	€99–€220	€109–€308	€124–€400

Source: provider pricing pages & EU Regulation 810/2009, Article 15 · AXA figures recalibrated 2026-09-21 against 5 live quotes on axa-schengen.com covering every duration and 3 real age bands (18-64, 65-74, 75+); AURAS's figures come from its live flat $1.50/day (checked 2026-10-02) converted to euros; the other providers' figures are the site's own rate-pattern estimates, unchanged since September 9, 2026

EKTA's tier pricing was checked live against ektatraveling.com on 2026-09-09 (Start $0.99-$1.37/day, Gold $1.75-$2.40/day, Max+ $5.90-$8.08/day), but the single figure used in this table is a blended estimate within the verified Start-plan range rather than a specific quote for this exact age and duration, so treat it as directional until you check ektatraveling.com directly for your own dates. The other three are calibrated against provider-published per-day pricing. Multiply by traveler count for a family or group; group discounts exist at a few providers but aren't universal, so don't assume a family of four costs exactly four solo quotes. SafetyWing isn't in this table since it charges a flat daily rate with no duration discount (~$2.24/day at 18–39) instead of the duration-discounted daily rate AXA, Europ Assistance, Heymondo and EKTA use (AURAS is also flat); see below for how that changes the math.

SafetyWing vs AURAS vs Heymondo vs AXA vs EKTA: how they actually differ on price

AURAS charges a flat $1.50/day for its 35,000 EUR plan (checked live on 2026-10-02), the same at 7 days as at 90, so it ties EKTA on a 7–14 day trip, falls slightly behind it on longer ones as EKTA's duration discount builds, and stays well below SafetyWing at any age. The catches: children cost more than adults (about 1.6–1.8×), prices step up from age 66, it is underwritten by the same non-EU company as EKTA, and any single claim is capped at $3,000. Our AURAS review has the detail.

EKTA is the cheapest of the providers with a duration discount on paper, but by how much depends heavily on trip length: roughly 55–59% below AXA on a 7–14 day trip, narrowing to around 19% at 60 days and just 8% at 90 days, because AXA's own long-stay discount is steeper than EKTA's. EKTA is also a bare-bones certificate provider with no app, no direct billing and a narrower service layer, which is part of why the sticker price is lower.

Heymondo starts close to AXA on short trips but climbs faster with age and, past about 30 days, faster with duration too, since its per-day discount is shallower than AXA's real curve. What you get for that is direct hospital billing and 24/7 doctor chat: real service, not just a document, which matters if you're actually likely to need care.

AXA Schengen is the priciest of the six on a short trip, from €4.90/day, but its long-stay discount is the steepest of the four duration-discounted providers here: by 60–90 days it's typically cheaper than both Europ Assistance and Heymondo, and closes to within about 8% of EKTA at 90 days. It also wins on embassy recognition — it's the name visa officers see most often — and it's one of the few that refunds the premium outright on a documented visa refusal. See the full AXA Schengen insurance review for whether it's good for a Schengen visa specifically.

SafetyWing also charges a true daily rate for specific travel dates (from ~$2.24/day, 18-39), but unlike AXA, Europ Assistance, Heymondo and EKTA, it applies no longer-trip discount at all (AURAS is flat too), so its per-day price stays flat whether your trip is 5 days or 90. That's an advantage on a short trip, where the duration-discounted providers are at their least-discounted, undiscounted rate anyway; on a long stay, their per-day discount can catch up and undercut SafetyWing's flat rate, so it's worth checking both. It can also be bought as a rolling 4-week subscription instead of fixed dates, and, like Heymondo, it has no rate at all for travelers 70 and older.

Bottom line: compare all six for your actual dates on the price estimator rather than assuming one wins by default — which provider is cheapest depends on age and trip length, not a fixed rule.

Indicative per-day rates by provider

Same trip, same traveler, six very different bills. These are the starting per-day rates we've observed for a healthy adult (18–39) on the base compliant plan; your final quote moves with age, duration and options:

Provider	From (per day)	Base cover	What the premium buys
AURAS	~$1.50 (flat, no duration discount)	$35,000 medical on the euro plan ($100 deductible; up to $250,000 on higher tiers)	Lowest flat daily rate (non-EU underwriter, $3,000 per-event cap)
EKTA	~€2.00	$50,000 (Start plan, 25% deductible)	Lowest sticker price
Heymondo	varies	$250,000 – $500,000	Direct hospital billing, app support
Europ Assistance	~€3.00	€30,000 (€60,000 on Schengen Plus, from €5/day)	Refusal refund, Generali brand
AXA Schengen	from €4.90	€30,000–€2,000,000	Embassy recognition, refusal refund
SafetyWing	~$2.24 (flat, no duration discount)	$250,000	Daily rate or subscription, cancel anytime

Source: provider pricing pages & EU Regulation 810/2009, Article 15 · Verified September 9, 2026

Read it as a menu of trade-offs rather than a ranking: the cheapest row and the most expensive row both produce a certificate that passes the same Article 15 check.

The hidden costs nobody quotes

Currency conversion. Most providers charge in EUR or USD. If your card is denominated in rupees, naira, pesos or lira, your bank adds a foreign-transaction margin (typically 1.5–3.5%) on top of the exchange rate, and some markets add government levies on foreign card spending. On a €25 policy that's pocket change; the reason it matters is that the same margin applies when you compare two providers quoting in different currencies, so a "cheaper" USD quote can land more expensive in your statement than a EUR one.

Failed-payment time. Not a fee, but a real cost. If your bank blocks international online payments by default (common in India, Pakistan, Nigeria and Egypt), you can lose days to declined transactions right before an appointment. Our country-specific guides cover which toggle to flip in your banking app before you try again.

Date-change fees. If your appointment slips or your itinerary shifts, some insurers reissue the certificate with new dates for free, others charge, and a few make you cancel and rebuy. If your travel dates are anything less than certain, check the reissue policy before buying; it's the line item that separates otherwise identical cheap plans.

Family and group pricing

Insurance is priced per person, per day, so a family of four pays roughly four solo premiums, with two wrinkles worth knowing. Children usually price slightly below adults at most providers (a 0.9× multiplier is typical; AURAS is the exception, charging children about 1.6–1.8× the adult rate), and a couple of providers offer group or family discounts at checkout, but it's not universal enough to assume. The bigger family-budget lever is the age mix: one traveler over 70 in the group can add more to the total than two extra children, because the 70+ bracket multiplier runs 2–3× at most providers. For a multi-generation trip, it's often worth quoting the grandparents separately on a higher-cover plan and the rest of the family on the base plan, rather than putting everyone on one policy tier.

Where people overpay without noticing

The most common mistake isn't picking an expensive provider. It's buying more cover than the trip needs out of caution, or buying a plan bundled with extras (baggage loss, trip cancellation) that add cost without affecting whether the visa gets approved. If the goal is purely a compliant, low-cost certificate, the base plan at the €30,000–€50,000 range from a budget provider does the job. If the goal is genuine peace of mind for a family trip with older relatives, spending more on cover limit and service quality is a different, reasonable decision; just make it on purpose rather than by accident.

Next step

Plug your own age and trip length into the estimator, then check the cheapest options guide if the number that comes back is higher than you expected.

Frequently asked questions

How much does Schengen visa insurance cost per day?

A healthy adult in their 20s or 30s typically pays €1 to €3 per day for a compliant plan. Age past 60, trip length and the provider you choose can move that considerably; see the table above for your exact bracket.

How much is travel insurance for a Schengen visa in total, not per day?

For a healthy adult in their 20s or 30s, a compliant policy for a 14-day trip totals roughly €29–€41; a 30-day trip runs about €56–€79. Multiply the per-day range above by your exact trip length, or use the price estimator for a number matched to your dates and age.

Why does insurance get more expensive for older travelers?

Insurers price by age bracket, and the jump after 60 is usually the steepest: a 65-year-old can pay two to three times what an 18-39-year-old pays for the same base plan, since medical claims are statistically more likely and more expensive in that age group.

Does a longer trip cost more overall even though the daily rate drops?

Yes. Insurers apply a lower per-day rate the longer you travel, similar to a volume discount, but the total premium still rises with trip length; it just rises slower than a simple multiplication would suggest.

Does raising the cover limit above €30,000 cost much more?

Usually only a euro or two more per day, not a multiple. €30,000 is the legal floor and the cheapest tier on most plans; €50,000–€60,000 is a small step up and worth it if your consulate is known to favor higher limits or someone in your group has a health condition that makes a larger claim plausible.

Why is SafetyWing priced so differently from AXA, Europ Assistance, Heymondo and EKTA?

For specific travel dates, SafetyWing charges a flat daily rate (from ~$2.24/day, ages 18-39) that doesn't get cheaper the longer your trip runs, unlike AXA, Europ Assistance, Heymondo and EKTA. It can also be bought as a rolling 4-week subscription instead, for travelers without fixed dates. Run both options on the price estimator before assuming either is cheaper.

Do children cost less than adults?

Slightly, at most providers: a 0.9× multiplier on the adult base rate is typical. SafetyWing goes further and covers children under 10 free as a dependent on an insured parent's plan, up to two per family; a child 10–17 buying their own policy pays the adult rate.

Are there costs beyond the listed premium?

Two to watch: foreign-transaction fees your bank adds (typically 1.5–3.5%) if the policy is billed in a currency different from your card, and reissue fees if your travel dates change: some insurers reissue the certificate free, others charge, a few make you cancel and rebuy. Check the reissue policy before buying if your dates are anything less than certain.