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AXA Insurance for Schengen Visa – The Cheapest and Best Travel Insurance for Filipinos

By Kach Umandap February 22nd, 2022 Posted in Destination, Europe Travel Blog, Travel Blog, VISA Application Guides 22 Comments

Are you planning to go to Europe soon? Then you need to apply for a Schengen visa and one of the main requirements is getting a Travel Insurance. I highly suggest, AXA Schengen insurance, it’s the cheapest and best travel insurance for Filipinos since they can also refund your money if your visa is not approved.

Europe, especially the Schengen Area is one of the most sought-after destinations for Filipino Tourists. There’s no doubt about that as each country is culturally distinct despite being only a few hours away from each other by train. I know at least once in your life, you’ve dreamt about seeing the Eiffel Tower in Paris, the Sagrada de Familia in Barcelona, the green landscape of Austria, the Aurora Borealis in Norway, the Leaning Tower of Pisa in Italy, among many others. These are things we only hear from our friends or see on TV and don’t we all wish to see it for ourselves one day?

Our Honeymoon Itinerary in Paris, France

I bet you all do so here’s an article on how you can get one of the requirements to get your Schengen Visa– the travel insurance!


Not all countries in Europe are part of the Schengen Area. There are currently 26 member states where you can use your Schengen Visa and these are: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Switzerland, and Sweden.


I have thoroughly discussed on this post on how you can get that Schengen Tourist Visa including the step-by-step guide, documentary requirements, as well as the frequently asked questions. It is noteworthy to say that one of the requirements is:

“A Travel Insurance that covers the entire duration of your intended stay with minimum coverage EUR 30,000”

Reading this at first glance will make you feel stressed thinking about where on earth can you get this and to answer that, you can get it from one of the best insurance providers in the country– AXA Schengen.


Aside from being one of the best, if not the best insurance provider in the country, here are some of the many things why you should choose them as your insurance partner in your European Tour:

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1) AXA Schengen insurance is a Low-Cost Travel Insurance

With AXA, you can be protected in your entire trip in the Schengen Area for as low as 0.99 Euros per day. That’s really cheap compared to other insurance providers.

2) AXA Schengen insurance have an extended coverage outside the Schengen Area

With this Low-Cost Travel Insurance, not only will you get coverage in all the Schengen Countries, but you’ll also get coverage in Liechtenstein, San Marino, Andorra, Monaco, and Vatican City.

3) AXA Schengen insurance have all the benefits you’ll need

With this amount, you’ll get Emergency Medical Expenses for up to 30,000 Euros, Repatriation to the country of residence if necessary, Access to emergency medical care, and Assistance in case of death (which we all hope won’t happen).

4) AXA Schengen insurance have a 24/7 Emergency Helpline

If something comes up whatever time of the day it is and wherever you may be, expect a knowledgeable medical staff to pick up, answer all of your queries, and assist you in finding the best healthcare which is closest to you.

5) AXA Schengen insurance meets all the requirements from the European Regulation

Did you know that AXA is a French Company? Now you do and that’s probably one of the reasons why they are fully compliant with the European Regulation. I’m sure that if anything happens to you and you have the famous insurance from AXA, then things are gonna be easier!

6) AXA Schengen insurance is easy to avail!

With a few simple steps, you can get your Insurance Coverage within the comforts of your own home.

STEP 1: Choose your Insurance Package;

STEP 2: Fill in your travel dates to receive an estimated rate;

STEP 3: Fill in the required details of the beneficiary;

STEP 4: Confirm your order and pay via Visa, AMEX, Mastercard, or PayPal; and

STEP 5: Wait for your policy to be sent to your email.

It is that easy! There’s absolutely no need for you to stress out about this very simple requirement :p


Now, this is the best part. There is absolutely no risk to get the insurance from AXA Schengen because unlike other insurance providers, AXA Schengen will refund the full price of the policy subject to the presentation of a letter of refusal. It will be returned to the same account you used to pay it with.


1. What is covered under Medical Expenses?

This include the Medical and surgical fees, medications prescribed by a local doctor or surgeon, the cost of urgent dental care, up to a maximum of €150 per insured party, the cost of hospitalisation if the doctors of AXA ASSISTANCE consider that the insured party cannot be transported, the costs of transport ordered by a doctor for a local journey.

2. What do I have to do in case of a medical incident?

Call AXA Schengen call-center in case of a medical incident. Medical assistance professionals will help you 24 hours a day and 7 days a week get the best care you need and the closest to where you are.

3. What if the medical expenses are too much?

In that case, AXA Schengen will directly pay the health care provider.

4. What do I need to do to claim for reimbursement?

In case you paid for something that is covered by the policy, all you have to do is fill out this form, attach all the original receipts, and send it to them in the address provided. Make sure to have a copy of your receipts.

5. How is the reimbursement made?

Thru your bank account. It will be reimbursed in Euros subject to the current exchange rate.

6. Do I need to bring the insurance policy when I enter the Schengen Area?

I highly suggest you bring your copy at all times. This is a very important document and the Immigration Officers might also ask this from you.  

7. What if the insured party needed to be moved to another hospital following a medical incident?

The person who will determine this is the Medical Team of AXA Assistance. If he/she indeed deems it necessary, then they will organize and pay for the repatriation or transportation of the insured party who is ill or injured, under medical supervision if necessary, and according to the seriousness of the case by the following means: Rail (1st class), Ambulance, Regular airline in economy class with special equipment if necessary, and Medically-equipped aircraft.

If the condition of the insured party does not require hospitalization, he/she will be transported to his/her country of residence.

It is very important to know all about your Insurance Policy so make sure you read all the terms in the Insurance Policy. Don’t worry because unlike many insurance companies, their policy is in font size 11 which makes it easy for you to read. Haha. I don’t think I need to say more because, through all these years, they have already created a name for the company. It is indeed the Number 1 Global Insurance Brand which Filipinos can certainly trust! 🙂


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22 thoughts on “AXA Insurance for Schengen Visa – The Cheapest and Best Travel Insurance for Filipinos

  1. How much is 90 days insurance for shengen visa, for 1 adult ang 1 child 10 years old? And where can I avail here in manila?

  2. In the online template it is not possible to see how much is the covered amount, if it’s 30000 euro or not. Where can I input this info ?

  3. Hi, can I ask how to refund the travel insurance, I got denied from application for tourist visa for Schengen.

  4. Hi! I am about to apply for a Visit Visa to Germany, I have the (1)Formal Obligation from my German boyfriend, (2)my payroll account, (3) ITR’s, cover letter, (4) Approved Leave of Absence from my Employer, (4) my personal bank statements,(5) Travel insurance and (6)Flight tickets will be purchased soon.(7) my passport and (8) Visa Application form. What else I am missing? and can i submit the emailed Insurance Policy upon my application or will they require the original and signed one?

  5. Hi I would like to know which Travel insurance can i apply for that is accepted in Schengen Visa application and i can get confirmation in 1 day since i will be interviewed in the embassy coming this Tuesday

  6. Hi Ms. Kach,

    I purchased a Schegen and Europe travel package because I am applying for a tourist visa to Ireland. Is this redundable if (knock on wood) my application is denied? Thanks!

  7. After reading your article, Ms. Kach, I subscribed to a Euro Travel insurance since I am working on getting a Schengen Visa. It took 2 days before I received a confirmation and now it’s been 4 days and still no policy has been e-mailed. Already sent 3 e-mails to their generic contact e-mail, still no response 🙁

  8. HI, I want to get Schengen Visa and travel to Switzerland. My question is, Can i reimburse my money if visa will be denied? thank you

  9. Hi,

    Is the insurance open dated? Say, I apply for insurance for date June 25 – July 9, 2019
    But then my travel dates changed, can I amend the insurance date? or is it fine as long as i’ll use it for two weeks?

    1. How much do I pay for the travel insurance for schengen visa my travel date in Europe will be on April 7, 2021 to May 27, 2021

  10. Hi, i have read that the Embassy of Denmark only accepts the insurance policies of some Philippine Insurance companies and i can’t find AXA on the list. Does it mean i can’t use it? I was planning on purchasing one from AXA for my insurance requirement on getting Schengen visa since i am planning on traveling to Denmark but i am worried their embassy won’t accept it. Your help would be greatly appreciated. Thanks.

  11. Hi!
    Can I get AXA’s contact number?
    Their contact number in their website is not available. Thank you!

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Written by Kach Umandap

Founder of Two Monkeys Travel Group. Since 2013, Kach has visited all the 7 continents (including Antarctica) and 151 countries using her Philippines Passport. In 2016, she bought a sailboat and went on sailing adventures with her two cats - Captain Ahab & Little Zissou in the Caribbean for 2 years. She now lives in Herceg Novi, Montenegro where she's enjoying her expat life and living on a gorgeous Stonehouse. She writes about her experiences traveling as a Filipina traveler with a PHL Passport. Also tips on backpacking trips, luxury hotel experiences, product reviews, sailing & adventure travel.