Best travel insurance to Schengen with discount valid in 2022

In this post, we will compare the best travel insurance to Schengen (prices and guarantees). Save on your travel insurance with the special reader's offer:

In December 2022, get a 5% discount on your Chapka travel insurance
Click here: Activate Promo Code

The discount will be automatically applied to Cap Assistance, Working Holiday, or Student policies.

travel insurance to Schengen

Europe is one of the most visited continents in the world thanks to countries like France, Italy or Spain, which receive millions of travellers a year. With a very authentic culture and gastronomy, travelling through the different countries of the Schengen area is a dream for many.

We remind you that to obtain a Schengen visa, it is mandatory to take out travel insurance! So, you are in the right place.

Travel insurance to Schengen: comparison in December 2022

Costs can easily throw your budget out of balance if you need any emergency treatment at a European hospital.

To make it easier, I have created this table with the best travel insurance to Schengen. They all include excellent guarantees:

chapka assurance
heymondo logo
iati seguros
acs assurance voyage
logo oasis insurance
assurance voyage
Price
24€
27€
27€
20€
28€
37€
Discount in December 2022
– 15% for families
– 15% for families
– 5% for families
– 10% for families
– 5% for single or couple
– 5% for single or couple
– 5% for single or couple
Activate Discount
Activate Discount
Activate Discount
Activate Discount
See offer
See offer
Covid-19
Medical expenses
200.000€
3.500.000 €
500.000€
150.000€
info
222.600€
Hospitalization
30€/day
Actual costs
Actual costs
Actual costs
info
300.000€
Theft or loss of luggage
2.000€
1.700€
1.500€
1.150€
2.300€
2.670€
Repatriation
Actual costs
Actual costs
Actual costs
Actual costs
Actual costs
17.800€
Sports activities
Covered
Covered
Covered
Covered
Covered
Covered
Phone theft
Camera or drone theft
Recommended for
All types of stays
All types of stays
All types of stays
All types of stays
All types of stays
Digital nomad
Review
Chapka insurance
HeyMondo insurance
IATI travel insurance
ACS insurance
SafetyWing insurance
Promo Code Chapka
Promo Code HeyMondo
Promo Code IATI

Best travel insurance to Schengen

As you will well know if you are reading this post, travellers who come from countries without specific agreements with the Schengen zone are obliged to request travel insurance and a Schengen visa to travel through the different countries that are part of this zone.

Among them are: Dominican Republic, Equatorial Guinea, Cuba, Brazil, or Ecuador.

For the granting of this visa, it is necessary to contract a Schengen travel insurance that offers a set of coverages for the traveller. For this reason, we dedicate the following points to knowing the best options. We make it easy for you!

1. Chapka Cap Schengen, the travel insurance for short-stay visas

Those travellers looking to spend short periods in the countries of the Schengen zone also have the perfect Schengen travel insurance from Chapka. We speak, neither more nor less than, of Cap Schengen.

In December 2022, get a 5% discount on Chapka travel insurance
Click here: Activate Promo Code

  1. You will be redirected to the official Chapka website.
  2. Fill in the form. Do not fill in the promo code, as it will be applied automatically.
  3. Click on “Get a quote”.
  4. The discount will be applied, and you will see this message: “Your discount has been applied”.

One of its main advantages is the immediacy of receiving the travel insurance certificate to apply for the visa. But not only that! Discover all the coverages it has to offer you below.

In addition, Chapka Cap Schengen insurance covers:

  • Assistance and repatriation, 24 hours.
  • Repatriation in case of death.
  • Displacement of a companion in case of hospitalization.
  • Early return of the insured.
chapka travel insurance
Chapka insurance covers most sports and nautical activities - Nova Friburgo, Brazil

2. HeyMondo, the best Schengen travel insurance

HeyMondo offers one of the best Schengen travel insurances with a clear objective: to provide peace of mind to travellers from these countries. It is true that incidents or unforeseen events can occur during travel, and nobody likes surprises. Above all, economically speaking!

In this sense, Schengen travel insurance has positioned itself as the perfect option for all those who are looking for extensive coverage at reasonable prices.

In December 2022, get a 5% discount on your HeyMondo travel insurance
Click here: Activate Promo Code

  1. You will be redirected to the official website.
  2. Select your insurance policy.
  3. Answer the questions and click on “Calculate the price”.
  4. Your discount will be applied automatically.

* 5% for all types of travellers ⎜ 10% for groups of 5 to 9 persons ⎜ 20% for families and groups of + 9 persons

Mondo guarantees very complete coverage for all types of traveller profiles. In addition, it offers economic and competitive conditions with a high level of service.

In addition, it includes a range of cover in relation to its price that is unequalled by other insurance policies. We’ll tell you about it!

  • Medical assistance, including dental expenses;
  • Theft and damage to your luggage, including delayed delivery, finding and locating luggage, and shipping stolen property;
  • Changes and loss of services;
  • Repatriation and early return due to accident, illness or death, covering all travel expenses.
  • Displacement of a family member or companion.
  • Civil Liability;
  • Legal assistance;
  • Additional accident compensation.

Official website: www.heymondo.com/

3. IATI, travel insurance for the Schengen area

The IATI Insurance Schengen policy could not be missing from the list of travel insurance for the Schengen area. One of its greatest advantages is its quality-price ratio, as well as the set of coverages, which is valid in the different countries of the Schengen area.

In December 2022, get a 5% discount on your IATI travel insurance
Click here: Activate Promo Code

  1. You will be redirected to the official IATI website.
  2. Enter your travel details and click on “Get a quote”.
  3. Select your insurance policy and click on “Contract”.
  4. That’s it! The 5% discount will be applied automatically to your quote.
  • Medical assistance for COVID-19.
  • Coverage of cancellation expenses for up to 40 causes.
  • Repatriation of the wounded or sick.
  • Obtaining the Schengen visa.

Regarding its coverage, IATI Star includes:

  • Medical assistance abroad with Covid-19 included up to €1,000,000.
  • Dental expenses up to €500.
  • Chronic, pre-existing or congenital emergency diseases.
  • Bodily injury in motor vehicle accidents.
  • Adventure sports.
  • Sending medicines abroad.
  • Displacement of a family member up to €1,000.
  • Repatriation or transportation of sick or deceased.
  • Theft and damage to luggage up to €2,500.
  • Extension of stay due to natural disaster up to €1,000.
  • Delay in the delivery of checked baggage up to €300.
  • Criminal liability defence abroad up to €3,000.

Official website: www.iatitravelinsurance.co.uk/star

Frequent questions

What is Schengen travel insurance?

Schengen travel insurance can be defined as medical insurance that offers a set of very specific coverage for tourists from any country in the Schengen zone and who, moreover, do not come from any of the countries that comprise it.

The countries that are part of the Schengen area are: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland, and Liechtenstein.

Read more: Best travel insurance in Europe

Well, having travel insurance is a fundamental requirement to obtain the Schengen visa, which allows travellers to move freely through those countries if they come from one where there are no agreements with this space.

How much does Schengen insurance cost?

As we have already mentioned, having travel insurance is one of the first steps to obtain a Schengen visa. Only then can you visit the countries in that area of Europe!

In this sense, finding cheap Schengen travel insurance is a priority for many travellers. For this, it is important to compare travel insurance and look for discounts to find the cheapest in relation to its coverage.

What kind of insurance do I need to travel to Europe?

To travel to Europe, specifically to the Schengen area, it is necessary to know that not just any type of insurance is valid, but that it will be essential to have Schengen travel insurance that meets a set of particularities. We summarize them below!

  • Repatriation expenses included.
  • Validity of the insurance throughout the territory of the Schengen area.
  • Health care with a minimum medical coverage of €30,000.

Is the European Health Card valid throughout the Schengen area?

The European Health Card or TSE is valid throughout the Schengen area, but you should know that it does not have extensive coverage, such as repatriation or private health care.

For this reason, I recommend you opt for Schengen travel insurance that offers a series of specifications based on your needs as a traveller.

Where to buy Schengen insurance?

Buying Schengen travel insurance is a basic process if you know where to look. At least, after reading our post, you already have at hand four of the best options in the insurance market.

Go to their websites and discover the prices of each of their insurance for the Schengen area. Shopping is a just one more step!

A Schengen insurance, does it have to cover all the countries that make it up?

Insurance to travel to the Schengen area is designed to cover all the countries that constitute this European zone.

In this aspect, it will be valid throughout the territory of the member states and, in addition, it will cover the entire period of stay that the traveller has in mind.

Michaël Louis
Michaël Louis
I am a digital nomad with a passion for new technologies and travel. We created Planet Nomad to help you on your way to geographical freedom: that of digital nomadism and online entrepreneurship. If you liked this article, please share it or leave your comment, I'll answer it.

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