Schengen insurance coverage database
What's the single most important thing this database shows? Headline coverage numbers can be misleading — EKTA advertises up to $500,000 in cover, but every plan caps a single claim at just $3,000, and AURAS, which shares EKTA's underwriter, has the same cap. Europ Assistance and SafetyWing have no deductible at all; EKTA, AURAS and possibly Heymondo do. Only AXA and Europ Assistance refund your premium if your visa is refused, and only under conditions (EKTA and AURAS sell a fee-reimbursement add-on). Every figure below is sourced directly from each insurer's own policy documents, not a summary or an estimate.
Every provider on our comparison table meets the legal €30,000 Schengen visa insurance minimum — that part is settled. What differs, sometimes drastically, is what happens if you actually need to file a claim: per-claim limits, deductibles, age penalties, and whether you get your money back if the visa is refused. This page pulls those details directly from each insurer's own IPID, general conditions and policy wording documents, so you can see the real fine print side by side instead of taking a marketing page's word for it.
How we built this table
Every cell below is sourced one of three ways: (1) the insurer's own Insurance Product Information Document (IPID) or full policy wording/general conditions PDF, read in full; (2) a live quote we ran ourselves on the provider's own website, with the date noted; or (3) a Trustpilot page we opened directly. Where a fact genuinely isn't published or we couldn't verify it from a primary source, the table says so explicitly — we don't estimate or average other people's numbers to fill a gap. See our methodology page for how we handle pricing more generally.
Price
Four of the six providers publish something close to a flat daily rate (AURAS and SafetyWing are truly flat per day); Heymondo doesn't publish one.
| Provider | Price | Source & date |
|---|---|---|
| SafetyWing | From $2.24/day (18–39) for specific travel dates, flat with no duration discount; also sold as a recurring 4-week subscription (~$62.72 per block) | safetywing.com live quote widget, checked 2026-09-15 |
| AURAS | $1.50/day flat on the 35,000 EUR plan, identical at every duration ($10.50 / $21 / $45 / $135 for 7 / 14 / 30 / 90 days); $2 / $3 / $5 per day on the 100k / 500k / 1M tiers | auras.insure Schengen calculator, checked 2026-10-02 |
| EKTA | Start $0.99–$1.37/day, Gold $1.75–$2.40/day, Max+ $5.90–$8.08/day | ektatraveling.com live pricing, checked 2026-09-09 |
| AXA Schengen | From €4.90/day (short trips), dropping to ~€1.05/day for a 105–180 day stay | axa-schengen.com live pricing, checked 2026-09-09 |
| Europ Assistance | From €30 for a 14-day trip (Schengen tier, under 65); €46 for 30 days. Schengen Plus: €49 (14d) / €73 (30d) | Live quote, schengen.europ-assistance.com, 2026-09-12 |
| Heymondo | No flat daily rate. Example: $72.03–$78.76 for a 30-day Turkey→Europe quote across its three plans (age not confirmed in the quote flow) | Live quote, heymondo.com, 2026-09-12 |
Prices vary by age, nationality and exact travel dates — use the price estimator for a figure matched to your own trip.
Coverage limit and per-claim cap
This is the gap that matters most and shows up the least in marketing copy: does the headline number apply to one claim, or is it an aggregate ceiling across the whole trip with a much smaller real-world payout per incident?
| Provider | Headline medical coverage | Per-claim cap |
|---|---|---|
| SafetyWing | $250,000 per active insurance period | Same as headline for core medical benefits; specific categories (e.g. dental, lost luggage) carry their own smaller per-period sub-limits |
| AURAS | Total amount $35,000 / $100,000 / $500,000 / $1,000,000, but medical expenses are only $35,000 / $50,000 / $150,000 / $250,000 | $3,000 per occurrence — on every tier (policy Section VI, clauses 14–15), the same cap as EKTA. The headline figures are the whole-trip ceiling, not what one claim pays. |
| EKTA | $50,000 (Start) / $150,000 (Gold) / $500,000 (Max+) | $3,000 per occurrence — on every tier. Confirmed in EKTA's own Policy Wording. The $50k–$500k figures are the total ceiling across your whole trip, not what a single claim pays. |
| AXA Schengen | €30,000 (Basic) / €100,000 (Essential) / €2,000,000 (Premium) | Not verified — full policy wording not yet reviewed; tier limits confirmed live on axa-schengen.com |
| Europ Assistance | €30,000 (Schengen) / €60,000 (Schengen Plus) | Same as headline — T&Cs state limits explicitly "per person per claim" |
| Heymondo | $250,000 (Top) / $500,000 (Premium & Medical) | Same as headline — General Conditions state limits apply "per covered event" |
Sourced from each insurer's IPID/General Conditions/Policy Wording, read in full 2026-09-12.
Deductible
| Provider | Deductible |
|---|---|
| SafetyWing | None — confirmed pure pay-and-claim model, no deductible anywhere in the policy wording |
| AURAS | $100 per claim by default (a zero-deductible add-on exists, about $17 per AURAS's marketing page, not verified in the calculator) |
| EKTA | Start 25%, Gold/Max+ 0% — but travelers 60+ face an age-based override (see below) that imposes a deductible regardless of tier |
| AXA Schengen | Not verified — check the policy wording directly before buying |
| Europ Assistance | None — no deductible clause found anywhere in the IPID or T&Cs |
| Heymondo | Amount not disclosed in the General Conditions — it's plan-specific, set in the "Particular Conditions" issued at purchase |
Age limits and age-based coverage changes
| Provider | Age rules |
|---|---|
| SafetyWing | 14 days old to 69 years old — coverage ends the day you turn 70 |
| AURAS | Advertised 1–100 years. Flat price from 18 to 65, surcharge from 66 (x1.2 at 66, x1.6 at 86); children cost more than adults (x1.6–1.8). The policy text excludes ages 60–80 “without additional payment”, i.e. they are insurable only with the surcharge |
| EKTA | No stated hard cutoff, but coverage amount and deductible are overridden by a steep age-based table starting at 60: e.g. a 65–70 year old is capped at $9,000 coverage with a 20% deductible — regardless of the Start/Gold/Max+ tier purchased. |
| AXA Schengen | Not verified this session |
| Europ Assistance | Covers up to age 74 at time of purchase |
| Heymondo | Coverage generally ends at 70 per the General Conditions (our quote screenshots showed "max 69 years" for the product quoted) |
Visa refusal refund
| Provider | Refund if visa is refused |
|---|---|
| SafetyWing | No visa-refusal refund clause found anywhere in the policy wording |
| AURAS | Optional paid add-on (about $49) that reimburses the visa application fee on an official refusal letter, not the premium; terms not yet verified against its Terms PDF. Standard cancellation: 100% refund within 14 days of purchase if before the start date, 60% after |
| EKTA | Optional paid add-on ("Visa Cancellation") — reimburses only the visa application fee itself, not the insurance premium, and requires an official embassy letter |
| AXA Schengen | Premium refund against the official consulate refusal letter, if requested before cover starts and with no claim (from AXA's refund page, not the policy wording) |
| Europ Assistance | Full premium refund, conditional on: trip not started, no claim filed, and valid proof of refusal |
| Heymondo | No visa-refusal refund clause found anywhere in the General Conditions |
See our full visa refusal refunds guide for how to actually file one of these.
Customer reviews (Trustpilot)
| Provider | Trustpilot score | Reviews | Notes |
|---|---|---|---|
| Heymondo | 4.3 “Excellent” | 3,822 | — |
| SafetyWing | 4.3 “Excellent” | 4,042 | — |
| AXA Schengen | 3.3 “Average” | 1,831 | Profile shows AXA hasn't recently asked for or replied to reviews |
| AURAS | 3.2 “Average” | 169 | AURAS's own site implies about 4.9; independent score is 3.2. Reviewers praise fast purchase and support, and cite slow or denied claims and the 48-hour notification rule |
| EKTA | No rated profile | — | Checked directly — not the same as bad reviews, there's simply no Trustpilot presence to cite |
| Europ Assistance | 1.3 “Bad” | 219 | Lowest of all six by a wide margin — reviewers cite slow claims and hard-to-reach support |
All scores verified directly on trustpilot.com, 2026-09-12, 2026-09-13 and 2026-10-02 (AURAS).
Underwriter and regulatory jurisdiction
Every certificate here satisfies the Schengen visa insurance requirement on paper, but the underwriting entity behind each one sits in a different regulatory regime. This doesn't mean the cheaper or offshore options are illegitimate — it means a dispute or claims issue is handled under different rules depending on which one you pick.
| Provider | Underwriter | Jurisdiction |
|---|---|---|
| SafetyWing | SafetyWing Insurance I.I. | Puerto Rico — not EU-regulated |
| AURAS | Auras Insurance LLC (the same company as EKTA) | Union of Comoros (Anjouan) — not EU-regulated; disputes go to binding arbitration in Mutsamudu |
| EKTA | Auras Insurance LLC | Union of Comoros — not EU-regulated; disputes go to arbitration in Comoros |
| AXA Schengen | AXA Group | EU-regulated |
| Europ Assistance | Europ Assistance S.A., Irish Branch | EU-regulated (Central Bank of Ireland) |
| Heymondo | IRIS GLOBAL Soluciones de Protección Seguros y Reaseguros S.A.U. | EU-regulated (Spain) |
Frequently asked questions
Which Schengen insurance providers are in this database?
Does the coverage limit shown apply to a single claim or the whole trip?
Which providers have no deductible?
Which providers refund my premium if my Schengen visa is refused?
Which Schengen insurance provider has the best customer reviews?
Are all six providers regulated the same way?
How was this data collected?
Compare the six providers whose certificates consulates accept, or estimate the price for your exact trip in 10 seconds.