Schengen Annual: €4,575,000 of liability and one flat premium for a Schengen stay up to 12 months
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P. LauroreCo-founder & Travel and Credit Card Insurance ExpertLast updated: November 13, 2026What is Schengen Annual, and who is it built for?
Schengen Annual is a Schengen visa plan insured by AIG for non-European visitors under 60, built for one long stay. A single flat premium covers up to 12 months in the Schengen area, with €30,000 of emergency medical coverage, repatriation at actual expenses on stays of less than 90 days and €4,575,000 of personal liability.
We read the plan's binding wording in full on November 11, 2026: the general terms of AIG policy No. 4.091.013. It combines four types of coverage in one enrollment: medical expenses, assistance and repatriation, private-life liability, and a personal accident capital. Its purpose clause names non-European clients, under 60, during a temporary stay in the European Union or the Schengen area.
Our take: the name says annual, and what the contract sells is one continuous stay of up to twelve months, for a firm, non-renewable term. Read that way it is a strong long-stay visa policy: the premium does not move with your age or with the length of your stay, a hospital admission is settled from the first euro so you advance nothing, and the liability coverage is the widest of every Schengen plan we sell. One limit matters on a long stay: the contract applies its assistance and repatriation guarantee only to stays of less than 90 days. If you want one policy for several separate trips in a year, that is a different product, and our annual travel insurance comparison is the right place to start.
What we checked | Where it lands |
|---|---|
Emergency medical and hospital expenses The figure a consulate looks for | €30,000, the visa requirement |
Hospital admission Who pays the hospital | From the first euro, after a call to the assistance center |
Repatriation and medical transport | Actual expenses, on stays of less than 90 days |
Personal liability abroad Damage you cause to someone else | €4,575,000, all damages combined |
Length of one stay | Up to 12 months, firm and non-renewable term |
Several separate trips in one year | Not what this contract does, it insures one stay |
Who can enroll | Visitors living outside Europe, under 60 |
Price for 180 days in France | $867.17, the same premium at 25 and at 55 |
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 Schengen Annual cover in detail?
Medical coverage is built on one ceiling and one percentage. The contract pays up to €30,000 of emergency medical expenses in the Schengen area, and within that ceiling it reimburses 80% of the French social security reimbursement basis, the published tariff schedule the policy is written against. A hospital admission is taken from the first euro, with no deductible, once you have called the assistance center. Care without an admission is reimbursed on the same 80% basis.
Guarantee | How it pays | The limit |
|---|---|---|
Hospital admission Prior call to the assistance center required | From the first euro, 80% of the social security reimbursement basis | €30,000 for all medical expenses |
Doctor, pharmacy, laboratory tests Without an admission | 80% of the social security reimbursement basis | Within the same €30,000 |
Emergency dental care Cavity treatment only | Flat amount, first year of coverage only | €150 |
Optical | Corrective lenses only | Within the medical coverage |
Transport to a medical center, repatriation home Stays of less than 90 days only | Actual expenses | No amount stated |
Return of remains | Flat limit | €1,500 per person |
Legal assistance abroad | Flat limit | €760 per insured |
Private-life liability Bodily, material and immaterial damage combined | Per claim | €4,575,000, of which €76,225 for material and immaterial damage |
Personal accident Death and permanent disability | Capital sum | €15,000 each |
- Liability coverage of €4,575,000: All bodily, material and immaterial damage combined, the widest of the Schengen plans we sell, with a €76,225 sub-limit for material and immaterial damage alone.
- No money to advance in hospital: Call the assistance center before an admission and the stay is taken from the first euro, with no deductible.
- Repatriation at actual expenses on stays under 90 days: Medical transport to a hospital and repatriation to your home are both covered at their real cost, with no stated ceiling, when your stay lasts less than 90 days.
- A personal accident capital: €15,000 on death and €15,000 on permanent disability, on top of the medical coverage.
- Legal help on the spot: Up to €760 of legal assistance abroad, which most Schengen visa certificates do not carry.
- Accidents are covered from day one: No waiting period applies to an accident, only to illness.
- Recreational sport is in scope: Only practicing or teaching a sport professionally is excluded, so an amateur injury is handled as an ordinary medical emergency.
Before a hospital admission, you or someone acting for you calls AVA Assistance on +33 1 49 02 42 11. The assistance team organizes the admission and the stay is taken from the first euro. The call is a condition of the guarantee, so make it first, even at night. Outside hospital, you pay and claim back on the 80% basis above.
Why does Schengen Annual cost the same for a month and for a year?
Schengen Annual is priced as a single 12-month premium rather than per day, so the figure you are quoted does not change with the length of your stay. We priced the same trip at four durations on November 11, 2026 and it came back at $867.40 for 30 days and $867.17 for 365, while the per-trip Schengen plans multiply with each extra month.
Length of stay | Schengen Annual | Schengen Start | Go Schengen | Silver Plan |
|---|---|---|---|---|
30 days A standard short-stay visa | $867.40 | $127.39 | $52.11 | $45.16 |
90 days The short-stay maximum | $867.40 | $382.16 | $85.70 | $114.65 |
180 days A six-month long-stay visa | $867.17 | $764.13 | $238.50 | $230.40 |
365 days The longest stay sold | $867.17 | $1,528.26 | $489.74 | $230.40 |
Same figures as the table above. 1 traveler aged 40, residence United States, destination France, in US dollars. Captured on hellosafe.com, November 11, 2026.
Age does not move the figure either. The same 30-day trip is quoted at $867.40 at 25, $867.40 at 40 and $867.17 at 55, where Schengen Start runs from $92.65 to $191.03 across the same three ages. That is where the plan earns its keep: on those same quotes it is still dearer than Schengen Start at six months ($867.17 against $764.13 for 180 days) and becomes the cheaper of the two at about seven months, and a visitor in their fifties pays no age premium at all.
Which waiting periods and limits apply?
- Waiting periods on illness
Outpatient illness is covered 8 days after coverage starts, and an illness needing hospital treatment 45 days after. An illness discovered during those periods is not indemnified. Accidents have no waiting period. - Pregnancy and maternity
Contraception, termination, pregnancy and maternity costs are covered 12 months after coverage starts, so they are out of reach on a shorter stay. - Length of a hospital stay
Hospital expenses are covered for up to 30 days per stay. - Assistance stops at 90 days
The contract applies its assistance guarantee (medical transport, repatriation home, return of remains and legal assistance) exclusively to stays of less than 90 days. On a longer stay the medical expenses, liability and personal accident covers still apply. - Health history
An illness or accident whose origin predates the start of coverage is excluded, as are chronic illnesses, tropical illnesses and congenital or hereditary conditions. - Care the plan leaves out
Mental health and neurological treatment, dental work other than cavities, medical appliances including contact lenses, sight correction surgery, physical therapy except after a covered accident, health check-ups and non-prescribed care. - What is not in the contract at all
Trip cancellation, baggage, transport delays, search and rescue and a ski guarantee are not part of this policy. - It tops up, it does not stack
Payments come on top of anything another insurer or a social security system reimburses, and never exceed what you actually paid. - Where you are covered
The European Union and the Schengen area, during a temporary stay. Care in your own country is not covered.
Which visitors is Schengen Annual sold to?
- Age
The purpose clause of the contract covers clients under 60, and the quote form stops at 59. - Where you live
Non-European residents on a temporary stay. It is sold to visitors from 179 countries, the United States, Canada, India and the United Kingdom among them. - Length of coverage
One stay of up to 12 months on one enrollment. - Term
A firm, non-renewable term, and the premium is not refundable once coverage has started. - One enrollment at a time
The contract does not allow two memberships covering the same period. - Your visa file
The certificate names you, your dates and the assistance numbers, and carries the €30,000 the Schengen visa code asks for.
Which Schengen stays is Schengen Annual right for?
The stay you are planning | How Schengen Annual fits |
|---|---|
A six- to twelve-month visitor visa One continuous stay, under 60 | One premium for the whole stay, no age loading and the widest liability coverage we sell. From 90 days, the contract no longer applies assistance and repatriation |
A visitor in their fifties Any length of stay | Strong. The premium is the same at 55 as at 25, where age-banded plans charge the top band |
A two- or three-week tourist visa | The per-trip plans in the comparison below cost a fraction of a 12-month premium for the same €30,000 |
Several separate trips across one year | Not this contract, which insures one stay. See our annual travel insurance comparison |
A student coming for a semester or a year | Schengen Campus is the plan written for a study stay |
A traveler of 60 or over | Outside this contract. Cap Schengen insures visitors up to 85 |
How do you get a hospital bill paid on Schengen Annual?
- Call AVA Assistance on +33 1 49 02 42 11 before any hospital admission. The prior call is a condition of the guarantee.
- Note the policy number, 4.091.013, and the identification number on your insurance certificate. Every later contact needs both.
- Keep every original receipt and prescription. Care has to be prescribed by a doctor legally qualified in the country where it is given.
- Declare the claim to the insurer as soon as you know of it and at the latest within 15 business days, on pain of forfeiture, to AVA, 25 rue de Maubeuge, 75009 Paris.
- Declare any other insurance covering the same risk, and any amount another insurer or a social security system has already paid you.
Payments are strictly complementary: they come on top of what any other scheme reimburses and together can never exceed what you actually spent. The contract is governed by the French insurance code.
Who insures Schengen Annual, and who answers the phone?
Role | Company | What it means for you |
|---|---|---|
Insurer Provides the guarantees | AIG | The company that pays your hospital bill |
Assistance Answers day and night | AVA Assistance, on +33 1 49 02 42 11 | Organizes the admission, the medical transport and the repatriation |
Claims center | AVA, 25 rue de Maubeuge, 75009 Paris | Where claim letters go for everything except assistance |
The policy is a group contract insured by AIG, governed by French law with French as the contractual language. The insurer may ask for any information it needs before accepting an enrollment.
Which plan fits if Schengen Annual does not?
Every Schengen plan we compare carries the €30,000 a consulate asks for, and they differ on price, on length of stay and on what comes with the medical coverage. Our reviews follow the same contract read: Schengen Start for a long stay with liability and direct hospital settlement, Go Schengen and Go Schengen + for the lowest price per trip, Cap Schengen for visitors up to 85, and Schengen Campus for a study stay. If you want one policy for several trips in the year, read our annual travel insurance comparison instead. Before you apply, check the Schengen visa requirements for your nationality, or compare everything we sell from the travel insurance hub.
Our verdict: the widest liability coverage in our Schengen range, on one unchanging premium
Schengen Annual gives your consulate the €30,000 of emergency medical coverage the Schengen visa code asks for, takes a hospital admission from the first euro so you advance nothing, and carries €4,575,000 of private-life liability, far more than any other Schengen plan we sell, plus €15,000 of accident capital and legal assistance abroad.
What makes it unusual is that the premium never moves. It is the same for one month as for twelve, and the same at 25 as at 55, so it comes into its own on a long single stay and for visitors in their fifties, who pay the top band on an age-graded plan. One enrollment covers one continuous stay of up to twelve months, for a firm, non-renewable term.
Two things to plan around: a hospital stay is covered for up to 30 days, and the contract applies assistance and repatriation only to stays of less than 90 days. For a two-week visa the per-trip plans below, Schengen Start from the same insurer among them, cost a good deal less for the same ceiling.
Enter your dates, destination and ages below to see your Schengen Annual price next to every Schengen plan we compare.
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Real quotes captured on hellosafe.com on 11 November 2026: 1 traveler aged 40, 180 days in France (1 December 2026 to 30 May 2027), residence United States, no cancellation option, shown in US dollars. These are French-law policies written in euros for travel in the Schengen area, so their cover limits are stated in euros, the amounts a consulate verifies, while the prices here are converted to US dollars at the live rate. Schengen Annual charges one flat premium that changes with neither your age nor the length of your stay. Your own premium changes with your dates and ages.
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Schengen Annual: the 12-month stay, the price and the age limit
No. Despite the name, the general terms describe one stay: enrollment is for a firm, non-renewable term covering a single continuous stay of up to 12 months in the Schengen area. For one policy covering several separate trips across a year, see our annual travel insurance comparison.
Yes for a stay of less than 90 days. It carries €30,000 of emergency medical coverage and repatriation at actual expenses, the two things the Schengen visa code requires, and the certificate naming you, your dates and the assistance numbers is issued for your file. On a stay of 90 days or more, the contract no longer applies its assistance and repatriation guarantee, so check what your consulate asks for.
One flat premium for the whole enrollment. On November 11, 2026, we were quoted $867.40 for 30 days and $867.17 for 365 days for one traveler aged 40, residence United States, destination France, and the same figures at 25 and at 55. Your own premium depends on your dates and ages.
The contract covers clients under 60, and the quote form stops at 59. A visitor of 60 or over needs another plan: Cap Schengen insures travelers up to 85.
Up to 12 months on one enrollment, for a firm and non-renewable term. Assistance and repatriation apply only to stays of less than 90 days.
No, when you call AVA Assistance on +33 1 49 02 42 11 before the admission. The stay is then taken from the first euro with no deductible. The prior call is a condition of the guarantee. For care outside hospital, you pay and claim it back, reimbursed at 80% of the French social security reimbursement basis.
€4,575,000 for bodily, material and immaterial damage combined, with a €76,225 sub-limit for material and immaterial damage on its own. It is the widest liability coverage of every Schengen plan we compare.
For illness, yes: 8 days for outpatient care, 45 days where hospital treatment is needed, and 12 months for pregnancy and maternity costs, each counted from the start of coverage. An illness discovered during those periods is not indemnified. Accidents are covered from the first day.
No. It is a medical, assistance, liability and personal accident contract. If you need your flights and accommodations protected, compare travel insurance with cancellation included.
No. The contract covers non-European residents during a temporary stay in the European Union or the Schengen area, and care in your own country of residence is not covered.
AIG, under group policy No. 4.091.013. AVA Assistance, on +33 1 49 02 42 11, runs the emergency line day and night.
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