Extracted from source documents

Europ Assistance Travel insurance (Schengen Plus)

Underwritten by Europ Assistance S.A. (Irish Branch) · Ireland

travel insurance from Europ Assistance for the Ireland market, with online purchase and 24/7 assistance.

Last verified Aug 31, 2026Sources

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Key facts

Europ Assistance

Unique selling points

No medical pre-screening or exams are required to purchase this policy.

The insurance certificate is sent immediately after purchase and is recognized by embassies, consulates and visa centres for the Schengen visa application.

A 24/7 emergency travel assistance team is available 365 days a year via a dedicated phone line.

Backed by a global network of 750,000 assistance professionals as part of the world's leading assistance and insurance company.

Coverage limits

Covered

Medical expenses incurred in the Territorial Limits

€60K

Covers emergency medical expenses and fees, doctor-prescribed medication during the first assistance service, hospitalisation expenses, and urgent local ambulance journeys ordered by a doctor, up to €60,000 per person per claim under the Schengen Plus product.

Page 1

Section: What is insured?

Medical expenses incurred in the territorial limits: in the event of sudden illness or accidental bodily injury occurring during a covered trip while within the territorial limits, are covered: 1/ emergency medical expenses and fees; 2/ medication prescribed by a doctor or surgeon during the first assistance service provided; 3/ hospitalisation expenses; 4/ expenses for urgent local ambulance journeys ordered by a doctor. Cover is provided up to 60 000 € / person / claim.

Covered

Emergency medical treatment

€60K

Emergency medical expenses and fees are covered as part of the overall €60,000 per person per claim medical expenses limit; this is not a separate sub-limit.

Clause 17Page 7

Section: 17. COVERAGE > Medical expenses incurred in the Territorial Limits

Emergency medical expenses and fees. Medication prescribed by a doctor or surgeon during the first assistance service provided.

Covered

Hospitalisation expenses

€60K

Hospitalisation expenses, including transfer fees to the nearest hospital or clinic when the insured is untransportable, are covered within the same €60,000 per person per claim medical expenses limit.

Clause 17Page 7

Section: 17. COVERAGE > Medical expenses incurred in the Territorial Limits

Hospitalisation expenses. We shall organise and assume the costs of the transfer fees to the nearest hospital or clinic only in case of Sudden Illness or Accidental Bodily Injury requiring immediate medical advice, when you are deemed untransportable by decision of our doctors based on information provided by the local doctor.

Covered

Outpatient / emergency ambulatory treatment

€60K

Emergency medical fees and urgent local ambulance journeys ordered by a doctor share the same €60,000 per person per claim medical expenses envelope; no separate outpatient sub-limit is stated.

Clause 17Page 7

Section: 17. COVERAGE > Medical expenses incurred in the Territorial Limits

Expenses for urgent local ambulance journeys ordered by a doctor.

Covered

Emergency dental expenses

€100

Dental expenses considered an emergency are covered up to €100, excluding endodontic work, orthodontic work, cosmetic reconstructions, dentures, veneers and implants.

Page 1

Section: What is insured?

Dental expenses incurred in the territorial limits: dental expenses considered as an emergency up to 100 €.

Covered

Urgent local ambulance transport

unlimited

Expenses for urgent local ambulance journeys ordered by a doctor are covered at actual cost, within the overall medical expenses cover.

Clause 17Page 7

Section: 17. COVERAGE > Medical expenses incurred in the Territorial Limits

Expenses for urgent local ambulance journeys ordered by a doctor.

Covered

Medical repatriation / evacuation

unlimited

The transfer of the insured to a better equipped or more specialised hospital near their usual place of residence, by air ambulance, helicopter ambulance, scheduled airline or scheduled train, is covered at actual cost with no stated monetary cap.

Clause 17Page 7

Section: 17. COVERAGE > Medical Repatriation

Where Our medical service authorises Your transfer to a better equipped or more specialised hospital near Your Usual Place of Residence We shall undertake the said transfer according to the seriousness of the condition, by means of: Air ambulance, Helicopter ambulance, Scheduled airline, Scheduled train.

Covered

Transfer of mortal remains

unlimited

In the event of death during the trip, transport of the body from the coffining location to the place of interment/cremation (within 75km of the policyholder's legal address) is covered at actual cost; funeral ceremonies, autopsies and body presentation costs are excluded. A separate coffin cost sub-limit of €1,200 applies under Schengen Plus.

Clause 17Page 8

Section: 17. COVERAGE > Transfer of mortal remains

In any event, the transport destination must be within 75 kilometres of the Policyholder's legal address. We will exclusively cover the costs incurred by transport as well as the compulsory administrative procedures.

Excluded

Mountain, cave, sea or desert rescue

Excluded

Mountain, cave, sea or desert rescue is explicitly excluded from cover.

Page 2

Section: Are there any restrictions on cover? > General restrictions

Adventure sports such as rafting, bungee jumping, hydro speed, gorge walking and similar. Mountain, cave, sea or desert rescue;

Excluded

Covid-19 / epidemic medical treatment

Excluded

Epidemics and/or infectious diseases which appear suddenly and spread rapidly through the population are excluded from medical cover. A separate fixed compensation of €130 for Trip cancellation due to Covid-19 exists as a distinct, non-medical benefit under Schengen Plus.

Clause 18Page 9

Section: 18. EXCLUSIONS

Epidemics and/or infectious diseases which appear suddenly and spread rapidly through the population, as well as those caused by pollution and/or contamination of the atmosphere.

Excluded

Pre-existing medical conditions

Excluded

Any pre-existing medical conditions are excluded, applying equally to the presentation or deterioration of illness and/or injuries.

Clause 18Page 9

Section: 18. EXCLUSIONS

Any Pre-existing Medical Conditions. This applies equally to the presentation or deterioration of illness and/or injuries.

Excluded

Winter sports cover

Excluded

Consequences derived from the performance of winter sport are explicitly excluded from cover.

Page 2

Section: Are there any restrictions on cover? > General restrictions

The consequences derived from the performance of winter sport, competitive sport or motorsports (races or rallies), as well as the performance of these dangerous activities: boxing, weightlifting, wrestling, martial arts, mountaineering with access to glaciers, sledging, descent into water with breathing apparatus, caving and water-ski jumping;

Excluded

Adventure / competitive / motorsports cover

Excluded

Competitive sport, motorsports (races or rallies), airborne sports, and adventure sports such as rafting, bungee jumping, hydro speed and gorge walking are all explicitly excluded.

Page 2

Section: Are there any restrictions on cover? > General restrictions

Airborne sports in general; Adventure sports such as rafting, bungee jumping, hydro speed, gorge walking and similar.

Conditional

Pregnancy complications

Conditional

Before 16 weeks of pregnancy, only diagnosis of pregnancy and emergency treatment are covered (excluding voluntary termination); beyond 16 weeks, diagnosis, monitoring and treatment of pregnancy, including childbirth and newborn care, are not covered. Infertility investigations and treatments including IVF are also excluded.

Clause 18Page 9

Section: 18. EXCLUSIONS

The diagnosis, monitoring and treatment of pregnancy beyond 16 weeks of duration, including childbirth and care of the newborn, are not covered under this policy. Before 16 weeks duration only the diagnosis of pregnancy and emergency treatment are covered, excluding voluntary pregnancy termination.

Personal liability

Not established from the reviewed documents

Not mentioned in any of the reviewed policy documents.

Legal assistance

Not established from the reviewed documents

Not mentioned in any of the reviewed policy documents.

Covered

24/7 emergency travel assistance

Covered

A 24/7 emergency travel assistance team is available 24 hours a day, 365 days a year via a dedicated telephone number.

Page 1

Section: SCHENGEN TRAVEL INSURANCE

available 24 hours a day, 365 days a year.

Key conditions

Assistance call deadline

The insured or a third person must notify the insurer by telephone as soon as possible, and must send all documentation regarding the covered event within a maximum of 7 days from the time the event giving rise to the claim occurred.

Unauthorized treatment

All expenses engaged without the insurer's prior agreement will not generate any reimbursement.

Purchase while abroad

The policy must be purchased before the trip starts; it cannot be subscribed once the trip has already begun.

Chronic conditions

Coverage excludes the successive payment of medications or pharmaceutical costs arising from the prolongation over time of a treatment initially prescribed, as well as those related to any process which becomes chronic in nature.

Pregnancy

Before 16 weeks, only diagnosis of pregnancy and emergency treatment are covered, excluding voluntary termination; beyond 16 weeks, diagnosis, monitoring, treatment, childbirth and newborn care are excluded, as are infertility investigations and IVF.

Pre-existing condition exclusions

Any pre-existing medical conditions are excluded, including the presentation or deterioration of illness and/or injuries.

Coverage duration limit

A single policy can be purchased to cover multiple trips, lasting from 1 to 365 days in total, but each individual trip must not exceed 4 months.

Direct payment

The policy operates on a reimbursement basis: all expenses must be pre-authorised by the insurer, and the insured must submit original invoices, receipts and supporting medical documentation after incurring costs in order to obtain reimbursement.

Territorial scope

Schengen Plus covers all countries of the Schengen Area (Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland) plus Cyprus, Ireland and the UK; an earlier edition of the terms listed Bulgaria, Croatia and Romania as additional (non-base-Schengen) countries covered only under Schengen Plus, alongside Cyprus, Ireland and the UK. No payment can be made outside these Territorial Limits.

Documents

Schengen / Schengen Plus General Terms and Conditions (opens in a new tab)

Terms & conditions · PDF

Schengen / Schengen Plus General Terms and Conditions (BLS edition) (opens in a new tab)

Terms & conditions · PDF

Schengen Plus Insurance Product Information Document (IPID) (opens in a new tab)

Product information sheet · PDF

Schengen Plus Insurance Product Information Document (IPID, BLS edition) (opens in a new tab)

Product information sheet · PDF

Policy specifics

Medical expenses coverage limit - Schengen Plus

Coverage amount for illness or injury under Schengen Plus policy doubled from €30,000 to €60,000

Source

Section: Schengen Plus

the total cover amount for illness or injury doubles from €30,000 to €60,000 under this policy, and trips to Bulgaria, Croatia, Cyprus, Ireland, the UK and Romania are also included.

Extended geographical coverage

Coverage extends beyond Schengen area to include Bulgaria, Croatia, Cyprus, Ireland, Romania, and the UK

Source

Section: Schengen Plus

the total cover amount for illness or injury doubles from €30,000 to €60,000 under this policy, and trips to Bulgaria, Croatia, Cyprus, Ireland, the UK and Romania are also included.

Extended stay expense coverage

Coverage for extension of stay expenses if prescribed by a doctor, for a maximum of 10 days (Schengen Plus)

Source

Section: Our Coverage

Europ Assistance will pay the expenses incurred from the extension of stay if prescribed by a doctor, for a maximum of 10 days.

Accompanying person return coverage

Coverage of return costs for a person accompanying the insured person

Source

Section: Our Coverage

Europ Assistance will cover the return costs of a person accompanying the insured person.

Minor traveller repatriation

Organisation and coverage of return journey for minors under 14 to country of residence

Source

Section: Our Coverage

Europ Assistance will organise and take charge of the return journey of any person under the age of 14 to his/her country of residence.

Covid-19 trip cancellation compensation

A fixed compensation of €130 is paid if the trip to the Schengen area must be cancelled for specified Covid-19-related reasons and cannot be rescheduled within 90 days (Schengen Plus only).

SourceClause 17Page 6

Section: 17. COVERAGE > Compensation for Trip cancellation due to Covid-19 (Schengen Plus only)

We pay You a compensation of 130€ in the event You have to cancel your Trip to the Schengen area, and You cannot reschedule it in the following 90 days, for any of the following reasons linked to Covid-19 :

Age restriction for insurability

All insured persons must be aged 74 years or younger at the moment of purchase of the insurance

SourcePage 1

Section: SCHENGEN TRAVEL INSURANCE

All insured people must be aged 74 or younger at the moment of the purchase of the insurance.

Pre-existing medical conditions exclusion

Any pre-existing medical conditions are excluded from coverage, including presentation or deterioration of illness and/or injuries

SourcePage 2

Section: Are there any restrictions on cover? > General restrictions

Any Pre-existing Medical Conditions. This applies equally to the presentation or deterioration of illness and/or injuries;

Maximum trip duration

Maximum duration of a single trip covered by the policy is 4 months

SourcePage 2

Section: When does the cover start and end?

The maximum duration of a Trip covered by this Policy is 4 months.

Territorial coverage limits and exclusions

Policy covers Schengen area plus Bulgaria, Croatia, Cyprus, Ireland, Romania and UK; excludes certain countries (Afghanistan, Belarus, Burma, Crimea Region, Cuba, Iran, North Korea, Somalia, Sudan, Syria, Venezuela, Russian Federation, Zimbabwe)

Source

Section: FAQs > About Europ Assistance Schengen Travel Insurance (5 Q&A)

This insurance is not available for residents of Afghanistan, Belarus, Burma (Myanmar), Crimea Region and the Zaporizhzhia, Kherson, Donetsk and Luhansk People’s regions, Cuba, Iran, North Korea, Somalia, Sudan, Syria, Venezuela, Russian Federation and Zimbabwe.

Waiting period after purchase

Not established from the insurer's documents

7-day waiting period after purchase during which no claims are covered

SourceThird-party source, not the insurer's document

⏱️ 7-day waiting period after purchase, during which no claims are covered

Winter sports, competitive sports and motorsports exclusion

Coverage excludes consequences from winter sports, competitive sports, motorsports (races or rallies)

SourcePage 2

Section: Are there any restrictions on cover? > General restrictions

The consequences derived from the performance of winter sport, competitive sport or motorsports (races or rallies), as well as the performance of these dangerous activities: boxing, weightlifting, wrestling, martial arts, mountaineering with access to glaciers, sledging, descent into water with breathing apparatus, caving and water-ski jumping;

Epidemic and infectious disease exclusion

Epidemics and/or infectious diseases which appear suddenly and spread rapidly through the population are excluded; includes diseases caused by pollution

Source

Section: Covid 19