Neat Gold Plan: €80,000 of Schengen visa cover with a visa-refusal refund
- 🕵️♂️ Independent expert
- 📊 Over 90 formulas compared
- 📄 Contract read in full
P. LauroreCo-founder & Travel and Credit Card Insurance ExpertLast updated: October 15, 2026What does Neat's Gold Plan cover, and who is it for?
The Neat Gold Plan is the upper tier of Neat's Schengen visa insurance. It pays emergency hospital costs abroad up to €80,000 per person per year, organises and pays for medical repatriation at actual costs, and refunds your premium if the consulate refuses your visa. A 30-day policy costs €34.80, exactly 20% more than the Silver tier.
We read both of its contract documents in full, the product information sheet and the 25 pages of general conditions, both written in English. Silver and Gold share the same contract: the guarantee table calls them Formula 1 and Formula 2. Gold raises the hospital ceiling from €30,000 to €80,000. The assistance team, repatriation and the certificate are the same on both.
Our take: Gold is the only plan on our Schengen comparison that goes beyond the €30,000 the visa rules require, and on the 30-day trip we priced it was still cheaper than five of the six plans that stop at €30,000. The premium is the same at every age up to 75, and it quotes trips to Switzerland, Norway, Iceland, Bulgaria and Romania. Gold is also open to travellers who live in the UK, Ireland and the rest of Europe as well as outside Europe, which many Schengen visa plans are not, and it covers long stays of up to 12 months.
If you only need the minimum the consulate asks for, our review of the Neat Silver Plan covers the entry tier. To see Gold next to every other plan on your own dates, use the travel insurance comparison.
Every year, our experts audit each plan against its binding policy wording: coverage, limits and exclusions, cross-checked with real customer feedback and live market prices. The analysis is fully independent, with zero paid placements and no insurer able to pay to influence a rating. We compare travel insurance across every country and currency, using the plans, prices and coverage actually offered in your country, not a single guide translated.
Learn moreWhat does Gold add to Silver, and what does it cost?
Neat keeps the arithmetic simple. We quoted both tiers across every trip length our comparison sells, and Gold came back at exactly 1.2 times Silver in every band. On a 30-day visa that is €34.80 against €29.00: €5.80 more for €50,000 of extra hospital cover.
Trip length | Silver | Gold | Difference |
|---|---|---|---|
1 to 3 days A weekend in Europe | €9.00 | €10.80 | €1.80 |
4 to 7 days A short visit | €15.00 | €18.00 | €3.00 |
8 to 15 days A typical tourist visa | €19.00 | €22.80 | €3.80 |
16 to 30 days A full short-stay visa* | €29.00 | €34.80 | €5.80 |
31 to 45 days Just past the month | €39.00 | €46.80 | €7.80 |
46 to 90 days Up to three months | €49.00 | €58.80 | €9.80 |
91 to 180 days A longer stay | €99.00 | €118.80 | €19.80 |
181 to 365 days** The longest trip sold | €199.00 | €238.60 | €39.60 |
A useful tip: prices move by duration band, not by day. A 30-day policy costs €34.80 and a 31-day one €46.80, and the step from 90 to 91 days doubles the premium. If your dates can shift by a night, check where the band ends before you buy.
Age changes nothing. We ran the same 30-day quote at ages 0, 17, 34, 70, 74 and 75, and €34.80 came back every time. At 75, Gold was the second cheapest of the five Schengen plans still available and the only one of them above €30,000. Each traveller is priced individually: a family of four on a 16-day trip pays €139.20. Adding countries costs nothing: France alone or France, Germany and Italy together came back at the same price.
What does Gold Plan cover in detail?
Gold concentrates on what matters most when you are far from home: a serious hospital stay and getting you back safely. Here is every guarantee, read from the guarantee table of the general conditions, next to the Silver tier.
Guarantee | Silver | Gold |
|---|---|---|
Emergency hospital expenses abroad* Per person, per year | €30,000 | €80,000 |
Refund if your visa is refused Your premium back | Actual costs | Actual costs |
Medical repatriation or transport Organised by the assistance doctors | Actual costs | Actual costs |
Repatriation of remains To your country of residence | Actual costs | Actual costs |
Emergency dental care* Per person | €150 | €150 |
A relative at your bedside After more than 10 days in hospital | Return ticket** + €100 a night, up to 10 nights | Return ticket** + €100 a night, up to 10 nights |
Legal assistance abroad Advances | €1,000 bail + €1,000 lawyer's fees | €1,000 bail + €1,000 lawyer's fees |
Funeral transport costs | €1,500 | €1,500 |
Overall limit per event All guarantees combined | €100,000 | €100,000 |
Gold's €80,000 is 2.7 times the Schengen visa minimum. Hospital costs are reimbursed on the basis of French social security rates, so the extra headroom is most useful where bills run highest, in Switzerland, Norway and Iceland, or on a longer stay. When you call the assistance team, they guide you to a suitable hospital, which keeps the bill within what the contract pays.
Gold is a visa medical policy, focused on hospital stays of more than 24 hours and repatriation. It does not include trip cancellation, baggage, personal liability or routine doctor visits, and care in your own country of residence is not part of it. If you also want cancellation cover, compare the plans that include it in our comparison.
How does Gold Plan pay out if you are hospitalised?
Everything starts with one call to the assistance team, VYV International Assistance, before you commit to any expense and within 48 hours of the event. They approve the care, guide you to the right hospital, and their doctors take charge of repatriation if you need it. Keep the case number they give you: it speeds up everything that follows.
Your situation | How Gold pays | What to send |
|---|---|---|
No health scheme covering you abroad The typical visa applicant | From the first euro, after the €80 excess, up to €80,000 | Original hospital invoices |
A home scheme that pays part of the bill | Gold pays the remainder, up to €80,000 | Your scheme's statement of reimbursement |
A home scheme that refuses the bill | Gold pays the costs, up to €80,000 | Original invoices and your scheme's refusal letter |
Three names appear on your documents. Neat sells the policy and handles the visa refund. VYV International Assistance manages the contract: its doctors and claims team are the people you deal with. The guarantees are provided by Ressources Mutuelles Assistance, a French mutual assistance union. The contract is governed by French law.
When is Gold the right choice?
- You live in the UK or elsewhere in Europe: Unlike many Schengen plans, Gold insures UK and European residents travelling in the Schengen area, as well as travellers coming from outside Europe.
- You want your money back if the visa is refused: Gold writes the refund into its guarantee table, at actual costs.
- You are an older traveller: The premium does not rise with age up to 75, and you get €80,000 of hospital cover for the price of a young adult.
- You are visiting Switzerland, Norway or Iceland, or several countries: Extra headroom where hospital bills run highest, and adding countries does not change the price.
- You are staying up to 12 months: Gold covers stays from 1 day up to 12 months, and the higher ceiling gives you more room over a long stay.
- Good to know: dental and legal assistance
These lines are the same on Silver and Gold: €150 for emergency dental care and €1,000 + €1,000 of legal advances. Gold's extra 20% buys the higher hospital ceiling. - Good to know: if all you need is the certificate
Silver gives the consulate the €30,000 it asks for at the lowest price on our comparison.
Who can take out Gold Plan, and what activities are covered?
- Age
Travellers up to 75 can subscribe, at the same price as a child. If you are exactly 75, confirm your eligibility with Neat before buying. - Where you live
Gold is open to residents of the United Kingdom, Ireland and most countries worldwide, including Europeans travelling within Europe. Whether you need a Schengen visa or simply travel from London to Paris, the same cover applies. - Length of stay
From 1 day up to 12 months (365 days). Short-stay visas, long family visits and study stays are all covered on the same contract. - Travellers on one policy
From 1 to 50 people, children at the adult price. Buy before you leave: the earliest start date is the day after purchase. - Sports and leisure
Around seventy activities are covered, including skiing and snowboarding on marked slopes, cross-country skiing, hiking and snowshoeing. Some, such as scuba diving to 20 metres or horse riding, must be supervised by a qualified professional. Motorised activities such as quad biking or jet skiing are covered up to €1,000. - Pregnancy
Unforeseen complications are covered up to the end of the 35th week. - Health history
Conditions diagnosed or treated in the five years before the trip, and heart conditions or cancers diagnosed before booking, are not covered; new illnesses and accidents during the trip are. - Thai visas
The contract is not designed for Thai OA or OX visa applications.
How does Gold compare with the other Schengen plans?
On the 30-day trip we priced for this review, seven plans came back and six of them stopped at the €30,000 minimum. Gold was the only one above it, at €34.80, and it was still cheaper than five of those six. Only its sibling Silver, at €29.00, came in lower.
Our reviews of the alternatives follow the same contract read: Silver Plan, Go Schengen, Cap Schengen and Schengen Start. For the visa application itself, the appointment, the documents and the fees, see our Schengen visa guide, and the wider market sits on our travel insurance comparison.
Our verdict: the most cover on our Schengen comparison, at a small step up
Gold Plan gives a visa applicant more than the consulate asks for: €80,000 of hospital cover, repatriation at actual costs with no ceiling, a 24/7 assistance team and your premium back if the visa is refused, for €34.80 over thirty days. On the trip we priced, it was the only plan above the €30,000 minimum and still cheaper than five of the six plans that stop there.
It is the natural pick for older travellers, since the premium is the same from birth to 75, for itineraries through Switzerland, Norway or Iceland, for anyone who wants the refund written into the contract, for residents of the UK and the rest of Europe, who many Schengen plans turn away, and for long stays of up to 12 months.
The step up from Silver costs €5.80 on a 30-day visa. Enter your dates below to see both prices and get your certificate.
Included coverage
Personalized quote · no obligation
Included coverage
Personalized quote · no obligation
Included coverage
Personalized quote · no obligation
Included coverage
Personalized quote · no obligation
Included coverage
Personalized quote · no obligation
Included coverage
Personalized quote · no obligation
Real quotes captured on 11 September 2026 on hellosafe.com: 1 traveller aged 34, 30 days in France (10 October to 8 November 2026), residence India, no cancellation option, in euros. Schengen visa policies are sold and paid in euros, so every plan here is priced in euros. Gold Plan is the only plan on this shelf whose emergency hospital ceiling is 80,000 EUR; the other six all sit at 30,000 EUR, the Schengen visa minimum. Your own premium changes with your dates: Neat prices in duration bands, not per day.
HelloSafe is available as an app inside ChatGPT. Install it from ChatGPT’s Apps tab, then type @HelloSafe and pick “HelloSafe Travel Insurance”: give your destination and dates to compare travel insurance, or ask what your bank card covers.
Neat Gold Plan: price, refund and claims
Yes. Gold carries €80,000 of emergency hospital cover per person, well above the €30,000 the Schengen visa rules require, plus medical repatriation at actual costs, valid in every Schengen state. The certificate names each traveller and the exact dates of the stay.
From €10.80 for up to 3 days, €22.80 for up to 15 days and €34.80 for up to 30 days (quotes captured on 11 September 2026). The price is the same at every age up to 75, and each traveller is priced individually.
Yes. Gold is open to residents of the United Kingdom, Ireland and most countries worldwide, including Europeans travelling within Europe. Unlike many Schengen plans, it insures UK residents for a stay in the Schengen area, with €80,000 of hospital cover and repatriation at actual costs.
Yes. Gold covers stays from 1 day up to 12 months (365 days). Prices move by duration band: €118.80 for 91 to 180 days and €238.60 for 181 to 365 days, in our quotes of 11 September 2026.
Gold raises the emergency hospital ceiling from €30,000 to €80,000. Repatriation, dental, legal assistance and the certificate are the same. Gold costs exactly 20% more at every trip length.
Yes, at actual costs. Send Neat your request with the original refusal letter before the policy start date. When several people travel on one policy, the refund also applies if only some of them are refused.
Call the assistance team, VYV International Assistance, before committing to any expense and within 48 hours of the event. They approve your care, guide you to a hospital and organise repatriation if needed. Keep the case number they give you.
Yes, and that is the simplest case. If no health scheme covers you abroad, Gold reimburses your hospital costs from the first euro, after the €80 excess, up to €80,000.
Gold is built for hospital stays of more than 24 hours and repatriation, which are the expensive emergencies a visa policy exists for. Outpatient visits and pharmacy purchases outside a hospital are not part of it.
Travellers up to 75 can subscribe, at the same price as a child or a young adult. If you are exactly 75, confirm your eligibility with Neat before you buy.
Yes. Skiing and snowboarding on marked slopes, cross-country skiing and snowshoeing are among the roughly seventy covered activities, so a hospital stay after a fall on a marked run is covered like any other accident.
On the 30-day trip we priced (a 34-year-old resident of India spending 30 days in France), Gold came out at €34.80 with €80,000 of cover, against €45.00 to €110.00 for rival plans capped at €30,000. Run the comparison on your own dates to see your price.
On the same topic
Cheapest Countries to Visit in 2026
Oct 21, 2026
The safest cities in Mexico in 2026
Oct 15, 2026
The safest cities in Europe in 2026
Oct 19, 2026
