Estimate your Schengen visa insurance — and see what actually differs between plans
Every year applications are refused over one missing word on an insurance certificate. Use the calculator below for an instant price estimate, then check the coverage comparison to see what really separates a compliant policy from a risky one.
The consulate checklist
Estimate your price
Indicative prices calibrated against the insurers' published rates. Your exact quote may vary slightly with age, residence and plan options.
Estimates only, reviewed periodically against public quotes. Actual checkout price is set by the insurer.
What the law actually requires
EU Regulation 810/2009, Article 15, defines four conditions. A consulate officer checks the certificate against each one — if any is missing, the application is refused on formal grounds.
Emergency treatment, hospitalization and ambulance transport. Germany and France tend to prefer certificates showing €50,000+.
The certificate must say "valid in the entire Schengen Area." A policy listing only one country fails at another country's consulate.
Coverage dates must span every day of the stay. A policy ending before a connecting flight is a documented refusal reason.
The single most common technical refusal: the policy covers repatriation, but the certificate never uses the word.
Coverage differences between plans
Five providers whose certificates are routinely accepted at Schengen consulates and visa centers. This is what actually differs beyond price.
| Provider | Medical cover | Price from | Refusal refund | Certificate |
|---|---|---|---|---|
EKTA |
€30,000+ | ~€0.80 / day | Yes | Instant PDF by email |
AXA Schengen |
€30,000 – €150,000 | ~€3 / day | Yes | Instant, verifiable online by consulates |
Europ Assistance |
€60,000 | ~€3 / day | Yes | Instant, recognized by all embassies |
Heymondo |
Up to €10M (plan-dependent) | varies by trip | Check terms | Instant by email |
Insubuy |
Plan-dependent | ~$1 / day | Plan-dependent | Instant visa letter |
EKTA and Insubuy sit at the €30,000 floor — cheapest, but no headroom above the legal minimum. Europ Assistance doubles the requirement by default. AXA and Europ Assistance both refund the full premium on a documented visa refusal; Heymondo and Insubuy vary by plan, so refund terms should be confirmed before purchase. Heymondo is the outlier built for real medical use during the trip (direct hospital billing, in-app doctor), not just the visa document.