Visas · head to headAXA Schengen vs Europ Assistance
AXA Schengen vs Europ Assistance
Compared on eligibility rather than price: who each will actually accept. The Schengen-visa specialist, any nationality, from €4.90. The other big Schengen visa name. Any residence, but strictly before you travel.
The rules side by side
| Rule | AXA SchengenBasic / Essential / Premium | Europ AssistanceSchengen / Schengen Plus |
|---|---|---|
| Who can buy it | Most countriesWorldwide purchase; some countries (e.g. at war) not eligible. | Most countriesResidents of most countries worldwide, apart from an excluded list. EU residents may also buy for travel within Schengen outside their own country. |
| Buy after you have left home | NoMust be purchased before your trip starts and cover the entire trip. | No“This Policy must be purchased before your Trip starts.” |
| Maximum age | No capNo age limit published; flat pricing historically. | 74You must be 74 or younger at the moment of purchase. |
| One-way or open-ended trips | NoDated trips within visa logic. | NoA visa-trip product with a return implied. |
| Longest trip | 90 daysUp to 90 days per stay; Annual = unlimited ≤90-day trips. | 90 daysVisa-aligned: 90 days, or 90 in any 180, with an annual multi-trip option. |
| Pre-existing conditions | NoKnown/diagnosed conditions excluded; no screening. | NoNo pre-screening and pre-existing conditions are excluded. |
| Cover in the USA | NoEurope-only product. | NoA Schengen-territory product. |
| Schengen visa certificate | YesCore product: €30k–€2M cover, instant certificate, full refund if visa refused. | YesThe reference product: €30,000 on Schengen and €60,000 on Schengen Plus, instant certificate recognised by embassies, and a full premium refund if the visa is refused. |
| Winter sports | Not verifiedIPID not verified. | Not verifiedNot verified; assume standard exclusions. |
| Scuba diving | Not verifiedNot verified. | Not verifiedNot verified. |
| High-altitude trekking | Not verifiedNot verified. | Not verifiedNot verified. |
| Scooters and motorbikes | Not verifiedNot verified. | Not verifiedNot verified. |
| Working abroad | Not verifiedNot verified. | With conditionsBusiness travellers accepted; work-specific cover not verified. |
| Trip cancellation | With conditionsNot core; higher tiers add ancillary benefits. | NoNo general cancellation cover. |
| Families | YesUp to 10 people per purchase. | YesIndividuals, families and groups. |
| No fixed country of residence | With conditionsPurchase keyed to trip, not strongly to residence. | With conditionsPurchase is keyed to the trip rather than strictly to residence. |
Both columns are generated from the same rule database the checker uses. Sources: AXA Schengen and Europ Assistance, checked 2026-08-03.
Who each one suits
- AXA Schengen makes sense when age is the constraint that usually blocks you.
- Europ Assistance makes sense when you are comfortably under 74.
Both columns come from the same rule database the checker uses. Sources: AXA Schengen and Europ Assistance, checked 2026-08-03.