Travel

What Do AXA’s Different Schengen Travel Insurance Plans Cover?

By Kevin
April 16, 2025

If you’re planning a European getaway, chances are your destination includes one or more of the countries in the Schengen Area. But did you know that having Schengen-compliant travel insurance isn’t just a good idea—it’s often a legal requirement to enter Europe? AXA’s Schengen travel insurance plans not only help you meet these requirements but also protect you from unexpected mishaps during your travels.

This guide will explore everything you need to know about AXA’s Schengen travel insurance offerings, including comprehensive coverage details, added benefits, and why travelers like you trust AXA for peace of mind.

Why Choose AXA for Schengen Travel Insurance?

AXA has long been recognized as a global leader in insurance solutions, servicing millions of clients worldwide. The company offers Schengen travel insurance policies tailored to meet the needs of all kinds of travelers—whether you’re embarking on a quick European vacation, a multi-country adventure, or a long-term stay. With a commitment to reliability, transparency, and customer-centric service, AXA is a trusted name to ensure your European travels are as smooth and worry-free as possible.

Understanding the Schengen Area and Why Insurance Matters

Before we get into the specifics of AXA’s plans, it’s important to understand the Schengen Area itself. The Schengen Agreement comprises 27 European countries that have abolished border controls between them, allowing for seamless travel across member states. Whether you’re visiting France, Germany, Italy, or any other Schengen nation, these countries collectively require visitors to have Schengen-compliant travel insurance.

This insurance needs to provide at least €30,000 in medical coverage and include repatriation services should you face a medical emergency. AXA’s plans are specifically designed to meet (and often exceed) these requirements.

AXA’s Schengen Travel Insurance Plans at a Glance

AXA offers three core Schengen travel insurance plans, designed to cater to different travel needs:

1. Single Trip Plan

Perfect for one-time travelers visiting Europe for a short vacation or business trip.

Highlights of coverage:

Emergency medical expenses up to €100,000
Repatriation assistance
Trip cancellation/delay coverage
24/7 emergency support

This is ideal for a simple, quick trip if your primary need is compliance with Schengen requirements while enjoying solid medical and travel coverage.

2. Multi-Trip Plan

Suited for frequent travelers who visit Europe multiple times a year.

Highlights of coverage:

Coverage for multiple trips within a year
Comprehensive medical expense coverage
Trip interruption and lost luggage support
Travel assistance hotline accessible worldwide

Whether you’re managing recurring business trips or leisure getaways, this plan saves time and offers ongoing protection without needing to purchase separate policies every time you travel.

3. Long-Stay Plan

Designed for those planning extended stays in Europe—for work, study, or personal reasons.

Highlights of coverage:

Long-term medical coverage
Flexible durations to match your stay
Support for unforeseen delays or disruptions
Coverage for theft or loss of personal belongings

This plan is a popular choice for students, long-term workers, or travelers seeking an extended European adventure.

What Each Plan Covers in Depth

AXA focuses on more than just hitting the minimum legal requirements. Here’s a closer look at the coverage offered:

1. Medical Expenses

AXA’s plans provide comprehensive emergency medical coverage, ensuring you won’t have to worry about out-of-pocket expenses. Whether it’s a simple doctor visit or hospitalization, costs are fully covered up to the specified limit of your plan.

Case Study: Mr. Smith, who bought AXA’s Multi-Trip plan, faced a medical emergency in Italy. Thanks to AXA’s extensive coverage, he quickly received essential care without stressing about finances.

2. Trip Cancellations and Delays

Travel disruptions like canceled flights or unexpected delays are not only frustrating but can also be costly. AXA’s insurance steps in to reimburse non-refundable trip expenses and help cover costs incurred due to delays.

Example: Ms. Garcia, a student in France, experienced a flight delay that completely altered her return schedule. AXA’s Long-Stay plan provided financial relief for her lodging and transportation during the delay.

3. Loss of Personal Belongings

Losing your luggage or personal items while traveling can be stressful. AXA’s plans include coverage for such eventualities, helping you replace necessary items quickly.

Real Story: A group of friends used AXA’s Single Trip Plan for a European vacation. When one of them misplaced their passport in Germany, AXA’s 24/7 emergency assistance guided them through the process of obtaining a replacement.

4. Personal Liability

Accidents happen, and sometimes they involve other people or property. AXA’s personal liability coverage ensures you’re not blindsided by unexpected legal or financial consequences during your trip.

5. Emergency Repatriation

Should a traveler require evacuation or return due to severe health conditions, AXA’s insurance guarantees swift repatriation to their home country.

Additional Perks and Services

With AXA, you receive more than just basic insurance. Additional benefits include:

24/7 Emergency Assistance: Reach AXA support anytime, from anywhere in the Schengen region.
AXA Schengen App: Manage your policy, download certificates, and verify claims all from your smartphone.
Exclusive Subscriber Deals: Enjoy special promotions and discounts as an AXA customer.

Simple Steps to Purchase and Claim Your AXA Policy

Purchasing Insurance

Visit the AXA Schengen website.
Select the plan that fits your travel needs.
Provide essential trip details.
Make your payment and receive your policy instantly.

Making a Claim

Notify AXA of the incident immediately.
Provide supporting documents, such as medical reports or receipts.
Submit your claim online or through the app. AXA’s quick turnaround ensures you’re reimbursed swiftly.

What Travelers are Saying

“AXA saved my trip! Their 24/7 support and prompt reimbursement were incredible.” – Sarah, US
“The Multi-Trip plan is perfect for me. I now travel to Europe for business without worrying about new policies for every trip.” – Robert, UK
“I highly recommend AXA for study-abroad students. They handled every delay and issue smoothly.” – Elisa, Spain

Insure Your Schengen Travel with Confidence

Travel gives you the freedom to explore, but having reliable insurance ensures you can focus on enjoying the experience worry-free. Whether for a short trip, multiple visits, or a long-term stay, AXA has a Schengen travel insurance plan designed to meet your unique needs.

Don’t leave your trip to chance—start your European adventure on the best possible note. Explore AXA’s Schengen travel insurance plans today and travel with peace of mind!