AXA Schengen Insurance: Cover, Plans and Certificate (2026)

Last updated: 12 August 2026 · Reviewed by Małgorzata Zep, lawyer and travel industry specialist

SchengenProtect policies are underwritten in cooperation with AXA Partners, one of the largest insurance and assistance groups in the world. This page explains what that means for your visa application, what the two plans cover, and how to get the certificate consulates accept.

What “In Cooperation With AXA Partners” Means

You are buying a SchengenProtect policy. The medical cover and the 24/7 assistance behind it are provided together with AXA Partners — so you get an international assistance network, while the policy, the certificate and the purchase run through us.

⚠️ One clarification that saves confusion: this is not the same as a product bought directly from AXA’s own Schengen site, and it is unrelated to AXA Health, which is a UK domestic health plan and has nothing to do with visas. If you are looking for an AXA Health login, you are on the wrong page.

SchengenProtect is operated by Diuna Solutions Sp. z o.o., registered in Lublin, Poland (KRS 0000878295, NIP 7123412821).

Does It Meet the Schengen Visa Requirement?

Yes. Both plans are Schengen visa eligible and exceed the legal minimum by a wide margin.

Article 15 of the EU Visa Code requires cover of at least €30,000 for emergency medical expenses, repatriation and death, valid in all Schengen states for the whole stay. Our Basic plan covers €60,000 — double the minimum. Extended covers €150,000.

Extended or Basic: Which One You Need

Choose Basic if

Your trip is a straightforward short visit inside the Schengen Area and your goal is a compliant certificate at the lowest cost. It satisfies the consulate.

Choose Extended if

Any of these apply — and each is a real cost you would otherwise carry yourself:

• You are checking luggage. Basic has no baggage cover at all.
• You want liability cover. €80,000 for accidental injury or damage you cause to someone else. Basic has none, and this is the cover people regret skipping.
• You are travelling with electronics or sports gear — a laptop or ski equipment falls under the €250 item cover.
• You want a higher medical ceiling. €150,000 against €60,000 matters for a serious hospitalisation or an air ambulance.

Where You Are Covered

Both plans cover all Schengen Area countries plus 14 additional countries — including the United Kingdom, Albania, Andorra, Belarus, Bosnia and Herzegovina, Serbia, Ukraine, San Marino and Vatican City.

This matters more than it sounds. A visa-compliant policy only has to cover Schengen. If your itinerary continues to the UK or through the Western Balkans, a Schengen-only policy stops at the border — ours does not.

How to Get Your Certificate

1. Get a quote and choose Extended or Basic.
2. Enter your travel dates — the policy must cover your entire intended stay. If you apply for a multiple-entry visa, cover the first trip.
3. Pay and receive the certificate — issued as a PDF naming you, the dates, the territory and the sum insured: the four things a consular officer checks.
4. Attach it to your application along with the rest of your visa documents.

⚠️ Buy insurance before your appointment, not after. A missing certificate is one of the most common reasons a file is rejected as incomplete — and an incomplete file means the €90 fee is not refunded.

Frequently Asked Questions

Is this AXA Schengen insurance?

It is a SchengenProtect policy provided in cooperation with AXA Partners. You buy from us; the assistance network behind it is AXA Partners’. It is a different product from one purchased on AXA’s own site.

Will the consulate accept it?

Yes. Both plans meet Article 15 of the EU Visa Code: medical cover well above €30,000, valid across all Schengen states, including repatriation. The certificate states each of those facts.

Is €60,000 enough, or should I take €150,000?

€60,000 is double the legal minimum and sufficient for the visa. Take Extended if you want baggage and liability cover, which Basic does not include at any level.

Does it cover the UK?

Yes — the UK is one of the 14 additional countries in both plans. It does not, however, replace a UK visa if your nationality requires one.

What if my visa is refused?

Contact us with your refusal letter and we will advise on the options for your policy. Terms depend on whether cover has already started.

Do I need insurance if I travel visa-free?

Legally no — the requirement applies to visa applicants. But treatment in Europe is billed at full cost to uninsured visitors, and from Q4 2026 visa-exempt travellers will need ETIAS authorisation regardless.