Schengen Travel Insurance for Russian Travellers — Get a Visa-Ready Certificate Instantly
Applying for a Schengen visa from Russia requires strictly compliant travel insurance, and consulates verify every detail: minimum €30,000 medical coverage, mandatory repatriation, and full validity across all 29 Schengen countries.
For Russian travellers, choosing the right policy matters even more. Medical care in Europe can be extremely expensive—around €200–€400 for an ER visit, €4,000–€7,000 for a week in hospital after a serious emergency, and over €25,000 for a medical evacuation back home. A non-compliant policy is one of the most common reasons visas get delayed or refused.
This page gives you a clear, expert overview of what Russian applicants need:
✔️ insurance rules to follow,
✔️ approved providers,
✔️ realistic prices in RUB/EUR,
✔️ what to avoid,
✔️ and how to get your certificate instantly with HelloSafe.
- Schengen insurance is mandatory: at least €30,000 medical coverage + repatriation, valid in the entire Schengen Area.
- Russian applicants typically pay ₽2,900–₽11,000 depending on age, length of stay and medical limits.
- Popular, embassy-friendly insurers include Mutuaide, VYV, ACS, and international brands like AXA, Allianz or Europ Assistance.
- Your certificate must show your name, passport number, travel dates, and “valid in all Schengen States”.
- Applying via HelloSafe gives negotiated prices, instant PDF delivery and full compliance with Schengen consulates and visa centres (VFS, VHS, TLS).
HelloSafe specialises in international and Schengen-visa travel insurance and operates independently from insurers to deliver neutral, expert comparisons. For over a decade, we’ve helped travellers secure fully compliant Schengen policies with negotiated prices, transparent conditions and instant certificates recognised by embassies and consulates across Europe.
Your policy is fast, reliable and tailored for Russian applicants—removing any risk of non-compliance. And if your Schengen visa is refused, your insurance cost is fully refunded, offering complete peace of mind.
Schengen Visa Insurance Requirements for Russian Passport Holders
Applying for a Schengen visa with a Russian passport requires fully compliant travel insurance, and consulates in Moscow, Saint-Petersburg, Kazan and Ekaterinburg review certificates carefully. Any missing element can lead to delays or a refusal.
Yes. Without a compliant insurance certificate, your application will be rejected. The policy must be valid for all 29 Schengen states, cover your full stay, and include medical + repatriation protection.
✔️ Mandatory Coverage (EU Law)
- Minimum €30,000 emergency medical coverage
- Repatriation to Russia fully covered
- Valid in all 27 Schengen countries
- Coverage must last your entire stay
- No deductible / no excess
- Certificate must be in English or a consulate-accepted language
🇷🇺 Requirements often causing refusals for Russian applicants
- Missing the phrase “valid in all Schengen States”
- Missing €30,000 medical + repatriation coverage
- Dates not matching the itinerary
- Certificates issued by non-recognised insurers
- Currency unclear (RUB instead of EUR)
📝 What MUST appear on your certificate
- Full name (as in passport)
- Passport number
- Coverage dates
- Coverage amount in EUR
- Mention of repatriation
- Mention of validity in all Schengen States
- Insurer verification details (policy number + hotline)
✔️ Accepted vs ❌ Rejected Documents (Quick Check)
| Document Type | Accepted by Schengen Consulates? |
|---|---|
| Insurance with €30,000 medical + repatriation | ✔️ Yes |
| Certificate valid in all Schengen States | ✔️ Yes |
| Policy issued in English or accepted language | ✔️ Yes |
| Insurance without repatriation | ❌ No |
| Certificate valid for only one EU country | ❌ No |
| Policies with deductible | ❌ No |
| Russian insurance not showing EUR coverage | ❌ No |
With HelloSafe, you only compare embassy-approved Schengen plans, receive negotiated prices, and get an instant certificate including all mandatory mentions. If your visa is rejected, your insurance fee is fully refunded.
Best Schengen Travel Insurance Options for Russian Travelers (2025)
Russian applicants face strict Schengen visa checks. Consulates verify medical limits, repatriation wording, coverage dates and insurer recognition. EU-based Schengen policies are often preferred for their strict compliance and embassy-ready certificates.
| Feature / Provider | Mutuaide | VYV | ACS | AXA | Allianz | Europ Assistance |
|---|---|---|---|---|---|---|
| 🏥 Medical Coverage | €30,000–€100,000 | €30,000–€60,000 | €30,000–€100,000 | €30,000–€100,000 | €30,000–€50,000 | €30,000–€100,000 |
| ✈️ Repatriation | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
| 📄 Certificate Delivery | Instant PDF | Instant PDF | Instant PDF | Instant PDF | Instant PDF | Instant PDF |
| ✔️ Visa-Refusal Refund | Often | On request | Yes | Some plans | Some plans | Some plans |
| 💰 Typical Price (RUB) | 1,900–6,000 | 1,800–5,500 | 2,000–6,500 | 2,500–7,000 | 2,500–7,500 | 2,700–7,500 |
| 🎒 Sports Coverage | Optional | Limited | Optional | Optional | Optional | Optional |
| 🏛 Embassy-Friendly | ✔️ Very high | ✔️ Very high | ✔️ Very high | ✔️ High | ✔️ High | ✔️ High |
HelloSafe lets Russian applicants compare Schengen-compliant plans and download an instant PDF certificate accepted by VFS Russia and all Schengen embassies. Visa refusal = full refund.
What Schengen Insurance Covers for Russian Travellers
| Coverage Type | What It Includes | Typical Limits (EUR) | Required by EU? |
|---|---|---|---|
| Emergency Medical Treatment | Doctor, hospital, surgery | €30,000–€100,000 | ✔️ Required |
| Medical Evacuation | Transport to medical facility | Up to medical limit | ✔️ Required |
| Repatriation | Return to Russia | 100% covered | ✔️ Required |
| Hospitalisation | ICU & inpatient | Included in limits | ✔️ Required |
| Dental Emergencies | Urgent pain treatment | €150–€400 | ❌ Not required |
| Lost Baggage | Lost or delayed bags | €300–€1,000 | ❌ Not required |
| Personal Liability | Damage to others | €20,000–€100,000 | ❌ Not required |
| Visa-Compliant Certificate | Mandatory mentions | Included | ✔️ Required |
🧩 Additional points Russian applicants are often asked for
- Zero deductible: any excess leads to refusal
- Certificate in English
- Verifiable hotline
🔎 Real examples
- Ski accident in Austria: €3,000–€7,000 → fully covered
- Food poisoning in Spain: €600–€1,200 → covered
- Lost baggage in Paris: €150–€300 → compensated
HelloSafe compares only insurers already accepted by Schengen consulates and provides instant certificates ready for VFS Russia.
What Schengen Insurance Does NOT Cover (Important for Russian Applicants)
- Pre-existing medical conditions
- Travel to restricted areas
- High-risk sports without add-on
- Unattended baggage theft
- Undeclared work
- Alcohol/drug-related incidents
- Late-stage pregnancy
Consulates in Russia review exclusions carefully. Clear wording helps avoid claim refusals and administrative issues.
Schengen Travel Insurance Cost for Russian Citizens
| Trip length | Typical price (EUR) | Approx. RUB | What this includes |
|---|---|---|---|
| 7 days | €18–€30 | ₽1,800–₽3,000 | Basic Schengen cover |
| 15 days | €28–€45 | ₽2,800–₽4,500 | Full Schengen validity |
| 30 days | €40–€70 | ₽4,000–₽7,000 | Higher limits available |
| 90 days | €90–€160 | ₽9,000–₁6,000 | Extended stay cover |
| Seniors 65+ | €70–€150 | ₽7,000–₁5,000 | Same cover, higher price |
🎯 Concrete Examples
| Insurer | Trip example | Premium (EUR) | RUB approx. | Notes |
|---|---|---|---|---|
| ACS – Europax | 10 days | €18–€20 | ₽1,800–₂,000 | Entry-level Schengen cover |
| Mutuaide – Lite | 30 days | €45 | ₽4,500 | Cheapest 30-day plan |
| Mutuaide – Lite | 90 days | €135 | ₽13,500 | Very competitive |
| VYV-backed | 30 days | €37.5/month | ₽3,750 | For long stays |
HelloSafe shows EUR prices with RUB equivalents and delivers an instant visa-ready certificate — ideal for VFS or embassy submissions.
How to Buy Schengen Travel Insurance Online from Russia
🔎 Step-by-step process
- Open the HelloSafe Schengen Insurance Tool
- Enter travel details (origin: Russia, destination: Schengen, dates)
- Compare the best options
- Select the plan that fits your trip
- Pay online
- Receive your certificate instantly by email
HelloSafe provides negotiated prices, instant PDF delivery and wording validated by EU consulates.
FAQ
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