Go Schengen + review: what €6 more buys, and where the €3,500,000 stops

Go Schengen + is the second of four levels of the Assur Travel Schengen contract, and this Go Schengen plus review is built on the binding wording rather than the sales sheet: it keeps the same €30,000 of medical and hospital coverage as the level below, at the same flat price for every age from 18 to 75, and adds one thing the base plan has not got, a separate personal liability policy of €3,500,000 per claim. On a 30-day trip that costs €51.00 instead of €45.00.

That is the whole proposition, and it is worth taking seriously. Six euros for three and a half million of liability coverage is arithmetic that does not come along often. But the extra premium buys a second policy from a second insurer, with its own country list, its own excess, its own reporting deadline and its own exclusions, and that is the part nobody explains at checkout.

We score it 3.2 out of 5. It gains on the level below for the liability itself, for a price that still does not move with your age, and for being the cheapest plan in our whole Schengen catalogue that carries meaningful third-party coverage. It loses points because the medical side is untouched by the upgrade, because the liability stops at the border of six countries where the medical continues, and because the two documents behind it disagree with each other in six separate places.

One thing to know before you rely on any English sentence in the policy pack, including ours. The terms state plainly that the language of pre-contractual and contractual relations is French. The English documents we read for this page are the 2026 versions issued by the broker, and they are genuinely complete, but if a translated phrase is ever argued over, the French text is the one that decides.

Between €3.00 and €25.00 for the whole stay, depending on how long you are going for. The gap between the two levels is not a percentage, it is a small fixed step that grows slowly with the length of the policy, so the upgrade gets proportionally cheaper the shorter your trip is.

We quoted both levels on the same day, for the same traveler, on our own comparator. Neither plan charges anything for age: the figures below came back identical whether we entered 18, 40, 64 or 74.

The premium is strictly per person, with no family rate on either level. Four travelers on the same 30-day trip pay €204.00, which is four times €51.00. Ten people can be named on one policy and an eleventh is refused outright.

Personal liability insurance pays the people you accidentally harm, not you. If you knock a cyclist off their bike, break a shop's window or injure someone at a dinner you cooked, this is the coverage that compensates them and defends you if they sue. It is entirely separate from the medical benefits, and on this contract it is written as its own policy with its own article numbers.

The headline is €3,500,000 per claim and per insurance year for bodily injury, property damage and the financial loss that follows from them. Underneath the headline sit three smaller ceilings that decide what most real claims are worth.

Read the second row carefully, because it is the one that governs most holiday accidents. Bodily injury is the only category that gets the full €3,500,000 and the only one with no excess at all. Everything you break rather than everyone you hurt is capped at €350,000 and costs you €150 a time.

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  Your ordinary private life, including the commute: Any non-professional activity is covered, and the terms extend it explicitly to the journey between your accommodation and your place of work.
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  Food you serve to other people: Food poisoning or intoxication caused by a meal or a drink you served is named in the wording as covered.
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  Your defense in court: The insurer conducts the defense of your civil interests, and those costs do not eat into the €3,500,000.
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  Property lent to you for under three months: Things in your temporary keeping or use are written back into coverage for stays under three consecutive months.

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  Anything to do with your work: Damage arising from a professional activity, or from duties in an elected office, is excluded in capital letters.
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  Anything involving a vehicle: Motor vehicles, their trailers and semi-trailers are out, and so is air, sea, river and lake navigation.
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  Harm you cause to yourself or your own family: Third parties exclude you, your family and their ascendants and descendants, so the coverage never pays your own household.
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  A long list of sports, even as an amateur: Scuba diving beyond freediving under 50 meters, climbing, mountaineering, caving, rafting, canyoning, jet-skiing, kite-surfing, and skiing, cross-country skiing, luge and snowboarding when practiced off-piste.
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  Sport under a federation license: Holding a sports federation license, or organizing or entering a competition, removes the coverage for that activity.
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  Certain dogs: Attack dogs and guard and defense dogs, as classified under French law, along with any non-domestic animal in your care.
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  Fines and criminal penalties: A penalty imposed on you personally is yours to pay, whatever the insurer does about the civil claim.

At six borders where the medical coverage keeps going. This is the single most important thing on this page, because the certificate you file with a consulate says nothing about it and nothing in the purchase path warns you. The plan carries three different country lists, and the narrowest of the three is the one attached to the benefit you are paying the uplift for.

The liability policy defines its own territory as the Schengen Area excluding Switzerland, and then names 22 countries. The medical and assistance side defines a wider zone that adds Croatia, Cyprus, Andorra, Monaco and four French overseas departments. The information document, meanwhile, prints a third list again.

Neither list covers the whole Schengen area as it stands in 2026. If your visa is for Switzerland, Norway, Iceland, Liechtenstein, Bulgaria or Romania, our comparator will not even offer you this plan on those dates, and that is the correct behavior. The detail of the visa procedure itself, the appointment, the file and the fees, sits on our Schengen visa guide.

The contract answers this twice and the two answers do not match, so here is both readings and the one we would rely on. Article 4 of the liability policy excludes, in capital letters, property damage and consequential financial loss caused by fire, an explosion or water damage originating in a building of which you are the owner, tenant or occupant. On its own, that would mean a burst washing machine in your rented apartment is your problem.

Two lines later, inside the same list of exclusions, the wording writes the exclusion back: it is agreed that the temporary occupancy of premises for a period of less than three consecutive months is covered, and holiday homes are given as the example. Article 6 then settles the argument with a number that appears nowhere else: fire, explosion and water damage are covered up to €300,000 in the event of temporary occupation of a property for under three months for holiday purposes.

So the practical answer for a visa holder renting a flat for a few weeks is that you are covered, and for €300,000 rather than the €3,500,000 on the cover page. Stay longer than three consecutive months in the same accommodation and you fall back into the exclusion with nothing written back. That is a real cliff edge for anyone on a long-stay visa, and it is the kind of clause a reader would never find without opening the second half of the document.

Because the upper tier is two contracts sold as one. Mutuaide Assistance, a French insurance company supervised by the ACPR, carries the medical, repatriation and assistance benefits. Tokio Marine Europe S.A., a Luxembourg insurer, carries the personal liability policy. Assur Travel is the broker that assembles and sells both, and GAPI is the administration center where you file a medical reimbursement that did not involve a hospital stay.

This matters on the day something goes wrong, because the two halves are claimed in completely different ways and on completely different clocks.

The medical rule is the unforgiving one and it is worth saying in plain words: nothing is covered unless you call first. The terms state that benefits may only be claimed with the prior consent of the assistance service, that expenses incurred on your own initiative are not reimbursed afterwards, and that a hospital stay of more than 24 hours must be authorized in advance.

There is one loose end in the paperwork worth flagging. The reimbursement claim form bound into the back of the terms tells you to contact a company called Vyv International Assistance for 24-hour hospitalization requests, while every other page of the same document names Mutuaide Assistance. We have reported it. Use the number printed on the certificate you receive when you pay, not a name copied out of the policy pack.

All of them. Paying the uplift adds liability and changes nothing else: the medical ceiling, the excess, the order of payment and every exclusion are identical on the two levels we sell. If you were hoping the upper tier would buy a bigger hospital limit, it does not, and no amount of money moves that figure on this contract.

The medical ceiling is €30,000, which is exactly the minimum a Schengen visa requires rather than a number chosen for comfort. The table of coverage calls it €30,000 per year. The medical expenses article calls it €30,000 per insured person, per incident and per year. Those are two different promises in one document, and the safe assumption is the meaner one: plan around €30,000 for the policy year.

The phrase used to sell this family of plans is that medical expenses are covered from the first euro. The article says something narrower. The insurer reimburses the portion of your costs not covered by any insurer you are already affiliated to, pays only once those insurers have paid, and deducts a fixed excess of €30 per condition. If you hold no other coverage, which describes most visa applicants, it behaves as the only payer and you still carry the €30, charged once per condition rather than per claim or per year.

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  Epidemics and pandemics, in full: The terms exclude their consequences from all coverage, assistance and medical alike, on this level. Only the two tiers above this one buy that back.
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  Pre-existing conditions: The general exclusions strike them out twice, once with a six-month hospitalization window and once with no time limit at all. Assume the wider reading.
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  Trip cancellation and baggage, at any price: Neither exists on this contract and neither can be added. There is no refund if you cancel after the policy has started.
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  Pregnancy past the 36th week: Only unforeseeable complications are covered at all. Routine antenatal care, termination and postnatal after-effects are excluded outright.
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  Psychiatric and psychological conditions: Nervous breakdown, anxiety, behavioral and eating disorders and chronic fatigue are named and excluded.
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  Backs, joints and a long medical tail: Back pain, lumbosciatica, herniated discs, osteoarthritis, sexually transmitted infections, spectacles, lenses and prostheses of any kind.
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  Care your own country would have paid for: Anything treated in your country of residence, and any cost the French social security system would not have covered, is outside the contract.

One benefit deserves a correction rather than a warning. The coverage table grants €100 a year for what it calls KOC care, meaning physiotherapy, osteopathy and chiropractic after an accident or a sudden illness. The exclusions list then strikes out osteopathy and chiropractic by name, each followed by the words excluded from the KOC care cover. Two of the three therapies in the benefit's own title are removed from it, so the €100 buys physiotherapy and nothing else.

On skiing, our comparison card shows no ski benefit for this plan and that is accurate: there is no piste rescue, no ski-pass refund and no equipment coverage anywhere in the contract. Recreational skiing itself is not excluded from the medical side, so a broken ankle on a marked run falls under the €30,000 like any other accident. The liability policy is stricter and excludes off-piste skiing, cross-country skiing, luge and snowboarding by name.

Not the children. Up to ten people can be named on a single policy and an eleventh is refused, but we tested every age on our own quote form and no price comes back for anyone under 18. Ages 0, 1, 16 and 17 returned nothing for this plan, while three rival Schengen plans priced the same child without hesitation.

Nothing in the contract asks for that. The terms set no minimum age, and the assistance benefits explicitly contemplate minor children traveling with you, whose transport home is arranged if you are repatriated or die. The restriction is in the purchase path, not the wording, and we have reported it. Until it is fixed, a parent applying for a Schengen visa with a child has to insure the child on a different plan.

One more clause for families. Where several insured people are hurt in the same event, the terms limit the insurer to the single maximum for that benefit regardless of how many victims there are, and compensation is then divided in proportion between them. A car accident involving four insured relatives does not produce four separate €30,000 ceilings.

No. The certificate is the same document and the visa requirement is met the same way on both levels, because a Schengen visa asks for €30,000 of medical coverage, emergency treatment, emergency hospital care and repatriation, and says nothing at all about liability. The certificate is emailed as soon as your premium is paid.

The requirement is genuinely met, and the way it is met is worth spelling out, because this is the one claim an applicant actually relies on. The €30,000 covers medical and hospital treatment. Repatriation for medical reasons and repatriation of remains are both written at actual costs, which means they sit on top of that ceiling rather than inside it. The €30 excess per condition is small enough not to breach the requirement.

If the visa is refused, the premium comes back, on one condition that catches people out: the policy has to run for 30 days or more. Below that length the terms state that contracts cannot be canceled under any circumstances. Where the refund does apply, you write to the broker by registered post before the start date, enclose the refusal, and €20 is kept for administration. The postmark is what counts.

The arithmetic is worth a moment. A 15-day policy at €30.00 is not refundable. A 30-day policy at €51.00 returns €31.00 if the visa fails. On an application you are not confident about, the longer policy is the cheaper risk, and it is also the only one that carries the separate 14-day cooling-off right the terms grant to contracts running more than a month.

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

  One benefit: personal liability of €3,500,000 per claim, which the base level does not carry at all. The medical ceiling is €30,000 on both, the €30 excess per condition is on both, and neither includes trip cancellation or baggage. The upgrade costs €3.00 on a 7-day trip, €6.00 on 30 days and €25.00 on the longest policy sold.

• Is Go Schengen + accepted for a Schengen visa application?

  Yes. It provides the €30,000 of medical coverage the visa rules require, emergency treatment and hospital care, and repatriation at actual costs on top of that ceiling, and the certificate is emailed as soon as you pay. Check your destination first: the contract’s covered zone leaves out six Schengen states.

• How much does Go Schengen + cost?

  €20.00 for any trip up to 7 days, €30.00 for 15 days, €51.00 for 30 days, €83.00 for 90 days and €448.00 for the longest trip it sells. Those figures were quoted on hellosafe.com on 11 September 2026 and do not change with your age between 18 and 75, or with your destination.

• Does the €3,500,000 liability cover apply everywhere the medical cover does?

  No, and this is the gap worth knowing. The liability policy names 22 countries and defines its territory as the Schengen area excluding Switzerland. The medical side covers a wider zone that adds Croatia, Cyprus, Andorra, Monaco and four French overseas departments. In Croatia, for example, you have the medical coverage and no liability coverage.

• Does Go Schengen + cover damage to the apartment I am renting?

  Yes for a stay under three consecutive months, up to €300,000 for fire, explosion and water damage, with a €150 excess. The exclusions first strike that damage out and then write it back for temporary holiday occupancy, and a separate article sets the €300,000 figure. Stay longer than three months in the same place and the exclusion applies with nothing written back. Theft in the accommodation is never covered.

• Is there an age limit on Go Schengen +?

  The contract insures persons aged under 75, counting your age as the year of purchase minus your year of birth, so 74 is the real maximum. Our quote form currently returns €51.00 for a 75-year-old, which the wording does not support, and we have reported it. At the other end, no price comes back for anyone under 18, so a child cannot be insured on this plan.

• Does Go Schengen + cover trip cancellation, baggage or epidemics?

  None of the three, at any price, and none can be added. The terms exclude the consequences of epidemics and pandemics from all coverage on this level and state that only the two tiers above it buy that back. This is a medical, assistance and liability contract, nothing more.

• Who actually insures Go Schengen +?

  Two companies. Mutuaide Assistance, supervised by the ACPR in France, carries the medical, repatriation and assistance benefits. Tokio Marine Europe S.A., supervised in Luxembourg, carries the personal liability policy. Assur Travel is the broker that sells both, and the insurance product information document confusingly names only Tokio Marine.

• How do I claim on Go Schengen +?

  It depends which half you are claiming on. For anything medical you telephone the assistance service at the time of the incident and before you accept treatment: expenses you arrange on your own initiative are not reimbursed afterwards, and a hospital stay over 24 hours needs prior authorization. For a liability claim you notify the insurer in writing, and the terms give you five days.

• Do I get my money back if my visa is refused?

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

• Are medical expenses really covered from the first euro?

  Not as the article is written. The insurer reimburses only the part of your costs that no other insurer you hold has covered, pays only after those insurers have paid, and deducts a fixed €30 per condition. If you hold no other coverage at all it does behave as the only payer, and you still keep the €30, charged once for each separate condition.

• Does Go Schengen + cover skiing?

  There is no ski benefit: no piste rescue, no ski-pass refund, no equipment coverage. Recreational skiing is not excluded from the medical side, so an ordinary accident on a marked run falls under the €30,000, and only snow sports involving national or international rankings are excluded. The liability policy is stricter and excludes off-piste skiing, cross-country skiing, luge and snowboarding.

Seven plans came back on the 30-day trip we priced for this review, and the choice is narrower than seven. If you only need a certificate, two plans undercut this one. If you want the medical ceiling raised, one does that for less money. And if liability is the reason you are here, Go Schengen + is the cheapest way to get it by a wide margin.

That table is the argument for the upper tier in one row. The only other plan under €100 that carries any personal liability is Schengen Start, at €110.00 for €50,000, which is seventy times the price for a seventieth of the coverage. The only plan with more liability is the annual product at €749.00.

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

Pay the uplift for the liability, not for the hospital limit

If you already know you are buying an Assur Travel Schengen certificate, the upper tier is the easy call. A small uplift on a 30-day visa turns a bare medical contract into one that also pays the person you accidentally injure, and there is nothing else on our shelf that does that for a comparable price. Renting an apartment, traveling with a partner or spending three months in one city all make that uplift look small.

Three things would make me pause. If Croatia or a French overseas department is on your itinerary, the liability does not go with you, and the uplift buys you nothing there. If your real worry is a hospital bill rather than a third party, €30,000 is the legal floor and Gold Plan carries €80,000 for less than this plan costs. And if a child is traveling with you, this plan cannot insure them at all today.

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

Go Schengen +Underwritten by Mutuaide

From€51.00

Included coverage

Emergency medical expenses€30,000

Direct billingIncluded

Emergency medical evacuation & repatriationCovered in full

24/7 worldwide assistanceIncluded

See all 12 benefitsGet a quote

Personalized quote · no obligation

Gold PlanUnderwritten by Vyv International Assistance

From€34.80

Included coverage

Emergency medical expenses€80,000

Direct billingIncluded

Emergency medical evacuation & repatriationCovered in full

24/7 worldwide assistanceUnlimited

See all 12 benefitsGet a quote

Personalized quote · no obligation

Go SchengenUnderwritten by Mutuaide

From€45.00

Included coverage

Emergency medical expenses€30,000

Direct billingIncluded

Emergency medical evacuation & repatriationCovered in full

24/7 worldwide assistanceUnlimited

See all 12 benefitsGet a quote

Personalized quote · no obligation

Real quotes captured on hellosafe.com on 11 September 2026: 1 traveler aged 40, 30 days in France (12 October to 10 November 2026), residence India, no cancellation option, in euros. Schengen visa plans are sold and paid in euros, so every figure here is a euro figure. Go Schengen + prices on trip length alone, so the same premium comes back at any age from 18 to 75; other plans on this list may price by age.