Schengen visa insurance for travelers over 70 and over 80
Can someone over 70 or 80 get Schengen visa insurance? Yes, but only two of the six providers we compare realistically work past 74: AXA Schengen and AURAS. Heymondo and SafetyWing stop at 69-70, Europ Assistance at 74, and EKTA's age override cuts its medical cover to $8,000 or less, below the €30,000 visa minimum.
Our guide for travelers over 65 covers the general picture. This page is for the harder case: the applicant is in their 70s or 80s, and the question is which insurer will sell a policy a consulate can accept.
Who sells at each age
| Provider | 70-74 | 75-79 | 80+ |
|---|---|---|---|
| AXA Schengen | Yes | Yes | Yes (no confirmed upper limit) |
| AURAS | Yes, surcharge | Yes, surcharge | Yes, surcharge (advertised to 100) |
| Europ Assistance | Yes | No (74 or younger at purchase) | No |
| EKTA | Sold, cover capped at $8,000 | Capped at $7,000 | Capped at $6,000 (80-85) |
| Heymondo | No, cover ends on the 70th birthday | No | No |
| SafetyWing | No, sold to 69 only | No | No |
Source: provider policy documents and live quotes in our internal fact table (Policy/providers.json) · Verified 2026-09-21 (AXA) and 2026-10-02 (AURAS). AXA's upper age limit is not confirmed against a policy wording: ask AXA in writing for travelers past 80.
Why EKTA drops out
EKTA's policy contains an override table that replaces the advertised limit once the insured is 60 or older: $9,000 with a 20% deductible at 65-70, $8,000 with 30% at 70-75, $7,000 with 40% at 75-80, and $6,000 with 50% at 80-85. Consulates require at least €30,000 of medical cover, so a certificate that pays out $8,000 does not meet the requirement even though EKTA will sell it. The full table is in our EKTA review.
What it costs
Model prices from our price estimator, one traveler aged 70 or over, in euros:
| Provider | 7 days | 30 days | 90 days |
|---|---|---|---|
| AURAS | ~€13 | ~€54 | ~€161 |
| AXA Schengen | €27 | €78 | €124 |
| Europ Assistance (to 74) | €42 | €153 | €400 |
Source: this site's RATES pricing model (index.html), 70+ age bucket · Verified 2026-10-14. AXA's live 75+ quote was €84.37 for 30 days, so treat the 70+ figures as approximations.
Past 70 the surcharges keep climbing. AXA's live quotes showed 1.2× the adult price for ages 65-74 and 1.35× for 75+. AURAS measured 1.3× at 71, 1.4× at 76, 1.5× at 81 and 1.6× at 86. The price gap between AURAS and AXA is real, but so are the differences in what you get.
AXA or AURAS?
AXA Schengen is the safer pick for most applicants over 75: it is an established European brand, with tiers of €30,000, €100,000 and €2,000,000 of medical cover, so you can buy well above the visa minimum for an older traveler. See the AXA review.
AURAS is much cheaper per day and sells to any age, but it is underwritten in Comoros, not by an EU-regulated insurer (same underwriter as EKTA), caps any single claim at $3,000 per occurrence, and excludes pre-existing conditions and many chronic-disease complications. For a healthy 72-year-old on a short trip it may be enough; for anyone with an active health condition, the claim cap matters more than the saving. See the AURAS review and AXA vs AURAS.
Pre-existing conditions
This is where older applicants are most often surprised. Standard Schengen policies cover sudden, unforeseen emergencies, not the management of a known condition. AURAS excludes anything that showed up in the previous 24 months except life-threatening emergencies. If the traveler takes regular medication or is awaiting a procedure, ask the insurer in writing how that condition is treated before paying.
Practical tips
- Buy the policy before the visa appointment and print the certificate: consulates check dates, territory and the €30,000 minimum.
- Make sure the certificate states the traveler's name exactly as in the passport and covers the whole stay.
- If the family pays on the traveler's behalf, the name on the certificate still has to be the traveler's, not the payer's.
- Check which age counts: AURAS applies age at the trip start date, Europ Assistance age at purchase.
Frequently asked questions
Can a 75- or 80-year-old get Schengen visa insurance?
Does EKTA work for a Schengen visa if the traveler is over 70?
How much more does insurance cost after 70?
Are pre-existing conditions covered for older travelers?
Is €30,000 enough for someone over 80?
Compare the providers that still sell at your traveler's age, or estimate the price for the exact trip in 10 seconds.