Go Schengen review: €30,000 of medical coverage, and the Schengen countries it does not reach

This Go Schengen insurance review is built on the plan's own binding wording: it pays emergency medical and hospital costs up to €30,000, arranges repatriation at actual costs, and issues the certificate a consulate asks for, from €17 for a trip of up to a week.

That €30,000 figure is not a coincidence. It is the exact minimum the Schengen visa rules impose, and Go Schengen is built to meet it rather than to beat it. If your only question is whether a consulate will accept the certificate, this plan answers it. If you are also hoping the policy will refund a cancelled trip, replace a stolen suitcase or defend you if you injure someone, it will not: none of those are in the contract at any price.

We score it 2.8 out of 5. It earns its points for a certificate issued instantly, for a premium that does not rise by a single euro between the ages of 18 and 75, and for a refund if your visa is refused. It loses them for a medical limit that sits on the legal floor, for a €30 excess on every separate condition, for paying only after any other insurer you hold has paid, and for a territorial scope that stops short of six Schengen countries a visa holder may legitimately be heading to.

One more thing worth knowing before you read on. Both binding documents for this plan exist in English, which is rarer than it should be for a product sold almost entirely to people outside Europe. The insurance product information document and the full terms we read for this page are the 2026 English versions, so nothing below depends on a translation we made ourselves.

A Schengen visa application has to be accompanied by travel medical insurance worth at least €30,000, valid in every Schengen state you will visit, and covering emergency medical treatment, emergency hospital care and repatriation. Go Schengen meets each of those four points on paper, and the table below shows exactly where it meets them and where it only just does.

The detail of the visa procedure itself, the appointment, the documents and the fees, is a separate subject and we keep it on our Schengen visa guide. What follows measures this one insurance plan against the requirement, nothing more.

Two of those rows deserve more than a badge. The €30,000 is an annual figure in the coverage table, and the plan is second in line behind any other insurer you already hold. Both points are unpacked further down, because they are the difference between a policy that satisfies a consulate and a policy that protects you.

Not all of them. The two documents that define this plan list different sets of countries, and neither set covers the whole Schengen area as it stands in 2026. This is the single most important thing to check before you buy, because a certificate that names the wrong country is worth nothing at a hospital.

The information document lists 26 states and includes Iceland, Liechtenstein, Norway and Switzerland. The full terms define the covered zone quite differently, as the Schengen and equivalent countries, and that definition contains none of those four. It does contain Croatia, Cyprus, Andorra, Monaco and four French overseas departments, which the information document leaves out. We then checked what our own comparator will actually sell, destination by destination.

Read the row that matters for you. If your visa is for Switzerland, Norway, Iceland, Bulgaria or Romania, this plan is not the one, and our comparator will not even offer it to you on those dates. If your visa is for Croatia, you can buy it and the binding terms do cover you, whatever the shorter list in the information document suggests.

The sales line for this family of plans says medical expenses are covered from the first euro. The contract describes something narrower, and the difference shows up on the day you are reimbursed rather than on the day you buy.

In the medical expenses article, the insurer undertakes to reimburse the portion of your costs not already covered by any other insurer you hold, and states that it will only pay once those other providers have paid, after deducting a fixed excess of €30 per condition. In plain terms: it is a second payer with a small excess, not a first payer with none. If you hold no other coverage at all, which is the situation of most visa applicants, it does behave as the only payer, and you will still carry the €30.

The excess is charged per condition rather than per claim or per year, so a chest infection and a broken wrist on the same trip cost you €30 each. Two things escape it entirely: emergency dental treatment, capped at €150 a year, and the physiotherapy line, capped at €100 a year.

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  Nothing is covered without prior approval: Every expense has to be approved by the assistance service before you incur it, and a hospital stay longer than 24 hours has to be authorized in advance. Care you arrange on your own initiative is not reimbursed afterwards.
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  The ambulance is conditional: Ambulance transport to the nearest hospital is only covered if your other insurance refuses it first.
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  Coverage stops the day you can be flown home: Once the medical team judges that repatriation is possible, hospital costs from that day onward are no longer paid.
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  Treatment at home is never covered: Anything you are treated for in your own country of residence falls outside the contract, as does any event happening there.

None of this is unusual for a visa-grade policy, and none of it is hidden: it is written plainly in the terms. It is simply not what a reader takes away from the phrase from the first euro, which is why we are spelling it out.

Go Schengen is priced on one variable only, the length of the trip. Not your age, not your destination, not the number of countries on your itinerary. We ran the quotes below on our own comparator, and the same figures came back for every age we tested from 18 to 75.

The flat pricing is genuinely useful and it is the plan's strongest single feature. A 72-year-old applying for a 30-day visa pays the same €45 as a student of 20, at an age when most travel insurance is priced sharply upward or refused outright. If you are over 65 and comparing Schengen plans, run the quote before you assume this one is expensive.

The premium is strictly per traveler, with no family rate: four people on the same 30-day trip cost €180, which is four times €45. Up to ten people can be named on one policy, and an eleventh is refused.

Because the price depends entirely on your dates, the comparison card does not show a starting price for this plan until you enter them. That is the honest behavior here rather than a gap: a single from figure would be right for one trip length and wrong for every other.

Assur Travel sells this contract as a ladder of four levels, and we list the bottom two. Go Schengen is the entry level. Go Schengen + is the level above it, and on a 30-day trip it costs €51.00 against €45.00, a difference of €6.00 for the whole stay.

What that €6 buys is one thing, and it is not more medical coverage. The medical limit stays at €30,000 on both. What the upper level adds is personal liability, written at €3,500,000 per claim, and the terms are explicit that this benefit exists only on the two upper levels of the ladder.

Six euros for €3,500,000 of liability coverage is, on the arithmetic alone, the best-value decision on this page. If you are renting an apartment, traveling with children or spending three months in one city, take the upper level. If you are visiting family for ten days, the entry level does the visa job and the liability is a nicety.

We read the information document and the full terms side by side, and they do not tell the same story in four places. On a visa policy this matters, because the document a consulate reads is not the document that pays your claim. The full terms are the binding text.

The physiotherapy row is the strangest of the four. The benefit is named after three therapies, physiotherapy, osteopathy and chiropractic, and two of the three are then struck out in the exclusions list under alternative therapies, each followed by the words excluded from the KOC care cover. Read together, the €100 a year buys physiotherapy and nothing else.

On the medical limit, treat €30,000 a year as the figure you can rely on. The more generous reading, per incident and per year, appears only in the article body, and no buyer should plan around the more flattering of two contradictory clauses.

Go Schengen is a medical and assistance policy, and the list of what it does not do is longer than the list of what it does. Reading it now is cheaper than discovering it at an airport.

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  Emergency medical and hospital care to €30,000: Doctors, prescribed medicines, hospital admission and ambulance, after the €30 excess per condition.
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  Direct settlement of hospital bills: The assistance service pays the hospital instead of you, so you advance nothing on an admission.
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  Medical repatriation at actual costs: Including transport for someone traveling with you, the return of your minor children, and repatriation of remains.
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  Emergency dental treatment to €150 a year: Dressings, fillings, root canal treatment and extractions, with no excess.
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  A relative flown to your bedside: A return ticket plus €60 a night for up to seven nights if you are hospitalized far from home.
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  Legal help abroad: Lawyer's fees to €3,000 and a bail advance to €15,000 for an unintentional breach of local law.
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  24/7 assistance and an instant certificate: One number to call at any hour, and the visa certificate by email as soon as you pay.

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  Trip cancellation, at any price: There is no cancellation benefit on this contract and no option to add one. If you cancel after the policy starts, nothing is refunded.
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  Baggage, theft and travel delay: No luggage benefit, no compensation for a delayed flight, no coverage for a stolen phone or laptop.
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  Anything connected to an epidemic or pandemic: Epidemics sit in the general exclusions, and the epidemic medical extension is written only into the two upper levels of the ladder.
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  Pre-existing conditions: The general exclusions strike them out with no six-month window, so a condition you already live with is outside the contract.
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  Pregnancy beyond week 36: Only unforeseeable complications are covered, up to the end of the 36th week. Routine antenatal care, termination and postnatal after-effects are excluded.
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  Psychological and psychiatric conditions: Nervous breakdown, anxiety, behavioral and eating disorders and chronic fatigue are named and excluded.
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  Named sports, even as an amateur: Motor sports, air sports, high-altitude mountaineering, bobsleigh, ice hockey, skeleton, combat sports, caving, and any snow sport with a national or international ranking.

One clarification on that last line, because our own comparison card can mislead here. The card shows no ski benefit for this plan, and that is right: there is no piste rescue, no ski-pass refund and no equipment coverage anywhere in the contract. But recreational skiing itself is not excluded. Only ranked competition snow sports are. If you break an ankle on a marked run in the Alps, the medical costs fall under the €30,000 like any other accident.

One clarification the other way, too. Our comparison card is built from an older feature set that shows only four benefits for this plan. The contract is more generous than the card: the emergency dental line, the legal help, the relative's visit, the accommodation extension and the funeral costs are all really there, and the card does not display them.

The eligibility rules for Go Schengen are short, and one of them does not match what our quote form will let you buy. We tested each boundary live rather than reading the field, and the results are below.

Two of those rows are worth acting on. If you are 75, the form will sell you this policy and the contract defines the insured as persons aged under 75, so buy something else. If you hold French nationality but live outside the Schengen area, the three-month ceiling applies to you whatever length you pay for, and nothing in the purchase path will warn you.

The age clause has one more wrinkle worth knowing: the contract calculates your age as the year you take out the policy minus your year of birth, not from your birthday. If you turn 75 in December, you count as 75 from 1 January.

Yes, on one condition that catches a lot of applicants out: the policy has to run for 30 days or more. Below that length, the terms state that contracts cannot be cancelled under any circumstances, and the premium is not returned.

Where the refund does apply, the mechanics are simple. You write to the insurer before the policy's start date, you attach a copy of the visa refusal, and €20 is retained for administration. The postmark is what counts, and a request that arrives after the coverage has begun is rejected.

The arithmetic is worth a second of thought. A 15-day policy costs €26.00 and is not refundable. A 30-day policy costs €45.00, of which €25.00 comes back if the visa is refused. On an application you are unsure about, the longer policy can be the cheaper risk.

Three companies appear on the paperwork for Go Schengen, and it is worth knowing which one does what before you need any of them.

Mutuaide Assistance carries the risk on the benefits you are buying. It is a French insurance company supervised by the ACPR, the French prudential authority, and the assistance notice that governs the medical and assistance benefits on this level opens in its name. When a hospital bill is settled or a repatriation is arranged, it is Mutuaide's decision and Mutuaide's money.

Assur Travel is the broker that assembles and sells the product, and GAPI is the administration center where reimbursement claims for anything other than hospitalization are filed. Tokio Marine Europe S.A., a Luxembourg insurer supervised by the Commissariat aux Assurances, carries only the personal liability policy, which exists on the two upper levels of the ladder and not on this one.

One practical consequence of that structure: everything runs through a phone call. The benefits can only be claimed with the assistance service's prior agreement, so the first thing to do in an emergency is call, before you accept treatment you expect to be reimbursed.

• Is Go Schengen accepted for a Schengen visa application?

  Yes. It provides the €30,000 of medical coverage, the emergency treatment and the repatriation the visa rules require, and the certificate is emailed to you as soon as you pay, in a format made for the application file. The one thing to verify first is your destination: the contract’s covered zone does not include every Schengen state.

• How much does Go Schengen cost?

  From €17.00 for any trip up to 7 days, €26.00 for 15 days, €45.00 for 30 days, €74.00 for 90 days and €423.00 for the longest trip it sells, 364 days. Those figures were quoted on hellosafe.com on 10 September 2026 and do not change with your age between 18 and 75, or with your destination.

• Does Go Schengen cover all Schengen countries?

  No. The binding terms define the covered zone as the Schengen and equivalent countries and that definition leaves out Iceland, Liechtenstein, Norway and Switzerland. Bulgaria and Romania, full Schengen members since January 2025, appear in neither of the plan’s two documents. Croatia is covered by the binding terms even though the shorter information document omits it.

• What is the €30 excess on Go Schengen?

  It is the fixed amount you keep for yourself on medical costs, charged once per condition rather than per claim or per year. Two illnesses on the same trip therefore cost you €30 each. Emergency dental treatment, capped at €150 a year, and the physiotherapy line, capped at €100 a year, are both exempt from it.

• Is there an age limit on Go Schengen?

  The contract insures persons aged under 75, so 74 is the real maximum, and it counts your age as the current year minus your year of birth. Our quote form currently returns a price for a 75-year-old, which the contract does not support, so anyone at that age should choose a different plan until it is corrected.

• Does Go Schengen refund the premium if my visa is refused?

  Yes, but only on policies of 30 days or more. You write to the insurer before the coverage starts, attach the refusal, and €20 is kept for administration. Policies shorter than 30 days cannot be cancelled under any circumstances and the premium is not returned.

• Does Go Schengen cover trip cancellation or lost baggage?

  Neither, at any price, and there is no option to add them. This is a medical and assistance contract: emergency treatment, hospital admission, repatriation, legal help and 24/7 assistance. If you need a cancellation or baggage benefit, you need a different product.

• What is the difference between Go Schengen and Go Schengen +?

  €6.00 on a 30-day trip, €51.00 against €45.00, and what it buys is personal liability of €3,500,000 per claim. The medical limit is identical at €30,000 on both, and neither includes cancellation or baggage. If you are renting accommodation or traveling with children, the upper level is the better buy.

• Can I buy Go Schengen if I am already in Europe?

  The rule is that you take out the policy no later than three days before your departure date, and our form enforces it: a departure in one or two days returns no quote. The terms do allow a purchase from your destination in one case only, where the new policy follows straight on from a previous one with no gap between them.

• Does Go Schengen cover skiing?

  There is no dedicated ski benefit: no piste rescue, no ski-pass refund and no equipment coverage anywhere in the contract. Recreational skiing itself is not excluded, though. Only snow sports involving national or international rankings are, so the medical costs of an ordinary accident on a marked run fall under the €30,000.

On the same 30-day trip we priced for this review, seven plans came back. Go Schengen sat in the middle at €45.00, and two of the others deserve a look before you decide.

The cheapest of the seven, Silver Plan, undercuts it at €39.00 with the same €30,000 medical limit. The one that changes the picture most is Gold Plan at €46.80, €1.80 more than Go Schengen, and carries €80,000 of medical coverage instead of €30,000. If your visa needs a certificate and your instinct is that €30,000 is thin for a hospital stay in western Europe, that €1.80 is the most productive euro and eighty cents on this page.

Recommended for youA. Fruchard · Co-Founder & Travel Insurance Expert

Buy it for the certificate, not for the ceiling

Go Schengen does exactly one job well: it turns a modest premium into a document a consulate accepts, at the same price whether you are 20 or 74, and it hands that document back with a refund if the visa is refused. For a short family visit with a clean medical history, that is a rational purchase and I would not talk anyone out of it.

I would hesitate in three situations. If your destination is Switzerland, Norway, Iceland, Liechtenstein, Bulgaria or Romania, the contract’s covered zone does not reach you and this plan is simply the wrong one. If you are looking at a long stay, €30,000 a year is the legal floor, not a comfortable ceiling for a serious hospital admission in western Europe, and there is a plan on the same shelf offering €80,000 of cover for barely more. And if there is any chance you will need liability coverage, the upper level of the same contract adds €3,500,000 of cover for a small uplift.

Run the comparison on your own dates before you buy. The premiums below are real quotes for one traveler on a 30-day trip to France, and yours will differ the moment your dates do.

Go SchengenUnderwritten by Mutuaide

From€45.00

Included coverage

Emergency medical expenses€30,000

Emergency medical evacuation & repatriationCovered in full

Direct billingIncluded

Medical expenses in your home countryNot included

See all 7 benefitsGet a quote

Personalized quote · no obligation

Gold PlanUnderwritten by Vyv International Assistance

From€46.80

Included coverage

Emergency medical expenses€80,000

Emergency medical evacuation & repatriationCovered in full

Direct billingIncluded

Medical expenses in your home countryNot included

See all 7 benefitsGet a quote

Personalized quote · no obligation

Silver PlanUnderwritten by Vyv International Assistance

From€39.00

Included coverage

Emergency medical expenses€30,000

Emergency medical evacuation & repatriationCovered in full

Direct billingIncluded

Medical expenses in your home countryNot included

See all 7 benefitsGet a quote

Personalized quote · no obligation

Go Schengen +Underwritten by Mutuaide

From€51.00

Included coverage

Emergency medical expenses€30,000

Emergency medical evacuation & repatriationCovered in full

Direct billingIncluded

Medical expenses in your home countryNot included

See all 7 benefitsGet a quote

Personalized quote · no obligation

Schengen StartUnderwritten by AIG

From€110.00

Included coverage

Emergency medical expenses€30,000

Emergency medical evacuation & repatriationCovered in full

Direct billingIncluded

Medical expenses in your home countryNot included

See all 7 benefitsGet a quote

Personalized quote · no obligation

Schengen AnnualUnderwritten by AIG

From€749.00

Included coverage

Emergency medical expenses€30,000

Emergency medical evacuation & repatriationCovered in full

Direct billingIncluded

Medical expenses in your home countryNot included

See all 7 benefitsGet a quote

Personalized quote · no obligation

Real quotes captured on 10 September 2026 on hellosafe.com: 1 traveller aged 34, 30 days in France (10 October to 9 November 2026), residence India, no cancellation option, in euros. Every plan on this shelf is priced in euros because Schengen visa insurance is sold and paid in euros. Go Schengen prices by trip length only, so the same figure applies at any age from 18 to 75; other plans on the list may price by age.