Last updated: 12 August 2026 · Reviewed by Małgorzata Zep, lawyer and travel industry specialist
Our cover starts at €20 for 30 days. That is a compliant Schengen visa policy with €60,000 medical cover — double the legal minimum — including repatriation and 24/7 assistance.
What the Cheapest Compliant Policy Must Still Include
“Cheap” has a floor. Article 15 of the EU Visa Code requires €30,000 for emergency medical expenses and repatriation, valid in all Schengen states for the whole stay. Below that, a policy is not usable for a visa at any price.
So the real question is not who is cheapest, but what you give up to get there.
Our Prices
| Basic | Extended | |
|---|---|---|
| From (30 days) | €20 | €62 |
| Emergency medical expenses | €60,000 | €150,000 |
| Repatriation | Yes | Yes |
| Dental treatment | €200 | €400 |
| 24/7 assistance | Yes | Yes |
| Lost luggage | — | €500 |
| Electronics & sports equipment | — | €250 |
| Personal liability | — | €80,000 |
| Territory | All Schengen countries + 14 more, including the UK | |
Both plans satisfy the consulate. Basic is the budget choice; the trade-off is that it carries no baggage and no liability cover at any level.
When the Cheapest Policy Is the Right Choice
Basic is genuinely sufficient if:
- you are travelling with hand luggage only
- your trip stays inside the covered territory
- you want a compliant certificate for the visa file at the lowest cost
There is nothing second-rate about it — €60,000 medical cover is twice what the law demands, and repatriation is included in full.
When Cheap Costs More
⚠️ Five traps that make a low price expensive:
- Territory limited to Schengen. A day trip to the UK or Serbia and you are uninsured. Ours covers 14 additional countries.
- High excess. Paying the first €100 of every claim makes small claims pointless. Check the deductible, not just the premium.
- Dates matched exactly to flights. A delayed return leaves you uncovered when you most need it. Add buffer days.
- Vague repatriation wording. Repatriation is the cost that ruins people — tens of thousands of euros for an air ambulance. If the policy is unclear, assume the worst.
- Unverifiable insurer. Some consulates decline certificates from providers they cannot check, and you lose the €90 visa fee along with the premium.
What Drives the Price
- Duration — the main factor. A 7-day policy costs a fraction of a 90-day one.
- Age — premiums rise for older travellers, sharply past 70.
- Cover level — adding baggage and liability roughly triples the base price.
- Territory — wider cover costs more, and is worth it if your route needs it.
⚠️ One thing that does not change the price: your nationality. Neither does the visa fee — €90 for adults, €45 for children aged 6–11, regardless of where you apply.
Frequently Asked Questions
What is the cheapest Schengen travel insurance?
Ours starts at €20 for 30 days with €60,000 medical cover and repatriation. Anything materially cheaper is likely to have a narrow territory, a high excess, or a sum below the €30,000 legal minimum.
Will a cheap policy be accepted for my visa?
Yes, if it meets Article 15: €30,000 minimum, all Schengen states, whole stay, repatriation included. Price is irrelevant to the consulate — compliance is not.
Is €30,000 cover enough?
It is the legal minimum and is accepted everywhere. Our Basic plan doubles it to €60,000 at no meaningful extra cost, which gives room for a serious hospitalisation.
Can I get cheaper insurance for a short trip?
Yes — duration is the biggest price factor. Insure the days you actually travel plus a small buffer, not a full month by default.
Why are some policies so much cheaper?
Usually a narrower territory, a high excess, or no baggage and liability cover. Occasionally because they fall below the legal minimum and cannot be used for a visa at all.
