Clear comparisons Built from your trip
Travel Insurance Plans and Cover Schengen Plans from €17
See how the system builds available packages from your travel period, departure country and one or more destination countries.
Travel insurance plans and cover include eligible Schengen options starting from €17. The final price and packages shown depend on the selected travel period, country of departure, destination countries, traveller details and available plans.
The quotation system allows you to select more than one destination country for the same journey. Enter the complete itinerary so that the packages presented reflect every country you intend to visit.
What affects travel insurance cost?
The price is based on risk and eligibility information submitted during the quotation. Changing one part of the journey can change the options or price presented.
Plans from €17
Eligible Schengen journeys can start from €17. The final premium depends on the complete information entered and the package selected.
Age and party type
The ages and number of travellers, and whether the quotation is individual, couple, family or group, may affect eligibility and cost.
Period and countries
The system uses the selected travel period, departure country and all destination countries to identify available packages and prices.
Information used by the system
- Country where the journey begins
- One or more destination countries
- Travel start and end dates
- Traveller ages and party composition
- Selected package and optional benefits
Why two quotes may differ
- Different travel dates or trip length
- Different traveller ages or party composition
- Different destinations or regions
- Different cover levels or optional benefits
- Changes to current product availability
Compare travel insurance plans and cover by trip type
| Plan type | Designed for | Price basis | Important cover checks |
|---|---|---|---|
| Single Trip | One journey with defined dates and one or more destination countries. | Calculated from the departure country, destinations, period, travellers and package offered. | Full dates, every destination, medical benefits, disruption benefits and activities. |
| Annual Multi-Trip | An unlimited number of eligible trips during a twelve-month policy period, with a maximum of 92 days per trip. | Calculated from traveller details and one of the three available territorial plans. | Territorial plan, 92-day maximum per trip, eligibility, benefits and exclusions. |
| Long Stay | One journey lasting more than 92 consecutive days. | The system checks whether a suitable option is available for the departure country and selected destinations. | Maximum total duration, destination availability, activities, work or study and conditions. |
| Schengen-focused trip | Eligible travellers needing a certificate for a Schengen visa application. | Based on the trip and option offered; the lowest price is not the only compliance check. | Required medical minimum, full Schengen territory, full intended stay and acceptable certificate. |
Annual plan 1: Schengen Zone
For eligible frequent travel within the Schengen territorial option, subject to the policy terms and the 92-day maximum for each individual trip.
Annual plan 2: Worldwide excluding selected countries
Worldwide travel excluding the USA, Canada, Australia and Japan, subject to the plan’s territorial definitions and exclusions.
Annual plan 3: Worldwide without country exclusions
The broadest of the three territorial options, subject to policy eligibility, sanctions, travel-advice provisions and general exclusions.
Unlimited number of trips
Annual Multi-Trip can cover as many eligible journeys as required during the annual policy period, but no individual trip may exceed 92 days.
Learn more about the available formats on our travel insurance services page. For visa-related preparation, read the Schengen visa travel insurance guide.
What can travel insurance coverage options include?
The protection presented during the quotation depends on the selected plan. A benefit is only available when it appears in the applicable certificate, schedule and policy wording.
Medical and assistance
- Eligible emergency medical treatment
- Emergency hospital expenses
- Medical evacuation where included
- Medical repatriation where included
- Emergency assistance services
Travel and personal benefits
- Eligible baggage loss or delay
- Certain travel-delay events
- Trip curtailment where included
- Personal accident benefits where included
- Other benefits shown in the schedule
Limits, sub-limits and excesses
The headline medical limit does not describe every benefit. Individual sections may have their own monetary limits, per-item limits, waiting periods or excesses. Check how much you must contribute to an eligible claim and which evidence is required.
Territory and policy dates
The geographical area must include the complete journey. The insurance period should cover the relevant departure and return dates, including overnight flights where applicable. Include transit destinations when required by the insurer.
What is not automatically covered?
No travel insurance policy covers every possible event. Exclusions and restrictions vary, but customers should pay particular attention to:
- Pre-existing or ongoing medical conditions unless specifically accepted;
- Routine, elective, cosmetic or planned medical treatment;
- Known events or circumstances existing before purchase;
- Travel against applicable government advice or policy restrictions;
- War, civil unrest, terrorism or related exclusions;
- Alcohol, drugs, unlawful acts or travel against medical advice;
- Extreme, winter or adventure activities without suitable cover;
- Unattended belongings or claims without required evidence;
- Events outside the insured dates or geographical area;
- Amounts above a benefit limit or below the applicable excess.
These examples are not a complete policy exclusion list. Read the wording supplied with the option offered to you.
How to get an affordable travel insurance quote
Affordable should mean suitable protection at a price that fits your budget—not simply the lowest figure on screen. Follow the same process for each comparison so the results refer to the same trip.
Prepare the itinerary
Have the departure and return dates, country of departure, all destination countries, transit countries and trip purpose ready. You can select more than one destination for the same journey.
Enter accurate traveller details
Use correct ages and select the party type that matches the people travelling.
Review the packages produced
Compare the packages generated for the period, departure country and destinations entered. For a trip over 92 days, the system will show whether a Long Stay option is available.
Read the documents
Check the schedule, limits, excesses, exclusions, territorial area and emergency procedure.
Save your certificate
After purchase, review every detail and keep the documents and assistance contacts offline.
See your current travel insurance options
Enter your real journey and traveller details to receive the price and protection currently available to you.
Frequently asked questions about plans and cover
How much does Schengen travel insurance cost?
Eligible Schengen plans start from €17. The final price depends on the selected travel period, departure country, destination countries, traveller details and package available for the itinerary.
Which Annual Multi-Trip plans are available?
There are three territorial options: Schengen Zone; Worldwide excluding the USA, Canada, Australia and Japan; and Worldwide without country exclusions. Eligibility and policy exclusions still apply.
How many trips can I take with Annual Multi-Trip?
You can take an unlimited number of eligible trips during the twelve-month policy period. Each individual trip can last a maximum of 92 days.
What is Long Stay travel insurance?
Long Stay is intended for one journey lasting more than 92 consecutive days. Availability depends on the selected country of departure and destination countries, so the quotation system must confirm whether it can offer a suitable package.
Can I select more than one destination country?
Yes. The quotation system allows multiple destination countries for the same trip. Add every country in the itinerary so the system can display the relevant available packages.
Where can I see the exact coverage limits?
The applicable limits should be shown in the plan summary, certificate or schedule and full policy wording supplied for the option offered. Review them before completing the purchase.
This page provides general information about travel insurance plans and cover. It is not a quotation or a statement that a particular event is insured. Prices, eligibility and protection depend on the details entered, product availability and the selected policy’s terms, conditions, limits, excesses and exclusions. Review the live quotation and policy documents before purchasing.