Schengen Travel Insurance

Schengen Low Cost
Travel Insurance

The entry-tier Schengen travel insurance plan built for high-volume B2B distribution — meeting EU visa requirements, converting at checkout, and giving partners a clean, credible product to lead with.

Request Partnership Details
Product Overview

Entry-Tier Protection That Converts at Scale

Schengen Low Cost Travel Insurance is AGI's entry-tier plan for the European Schengen Area — a lean, visa-compliant product engineered specifically for high-volume B2B distribution. It provides travellers with the essential coverage required to satisfy Schengen visa obligations, packaged cleanly enough to sit at the checkout of any OTA, bank portal, or travel platform without friction.

The product is deliberately positioned at the entry tier — competitively priced to minimise checkout resistance and maximise volume at point of sale. For distribution partners, this means a product that converts reliably across price-sensitive customer segments without the positioning complexity of a broader plan, while still delivering genuine coverage value and the credibility of a regulated insurance product behind it.

Schengen Low Cost Travel Insurance — entry-tier B2B plan
Key Features

Essential Cover. Nothing Missing. Nothing Excessive.

A carefully structured benefit schedule that satisfies Schengen visa requirements and delivers genuine customer value — without over-engineering a product that needs to convert at price. Contact our team for full schedules and commercial terms.

Emergency Medical Cover — Min. €30,000

Covers emergency medical expenses, hospitalisation, and treatment incurred within the Schengen Area due to sudden illness or accidental injury — meeting the mandatory €30,000 minimum required for Schengen visa applications. Clear, compliant, and audit-ready for embassy submission.

Emergency Medical Repatriation

Covers the cost of emergency medical repatriation to the traveller's home country when clinically necessary, and repatriation of mortal remains in the event of death abroad. A mandatory benefit under Schengen visa regulations and a critical coverage element for any compliant plan.

Trip Interruption

Covers reasonable additional costs incurred when a traveller is forced to cut short their Schengen trip due to a covered emergency — including emergency hospitalisation or a serious family incident at home. Provides a meaningful safety net without inflating the premium to the level of a comprehensive plan.

Flight & Travel Delay

Provides benefit payments when an outbound or return flight is delayed beyond a defined threshold due to adverse weather, technical failure, or airline operational issues — covering essential expenses such as meals and overnight accommodation during the waiting period.

Baggage Loss & Delay

Covers loss, theft, or damage to checked baggage during the trip, and reimburses essential purchases — clothing and toiletries — when luggage is delayed beyond the threshold period after arrival. A frequently used benefit that meaningfully reduces post-trip complaints and improves customer satisfaction scores.

Personal Liability

Covers the traveller's legal liability to third parties for accidental bodily injury or property damage caused during the Schengen trip. Particularly relevant for travellers participating in leisure activities, tourism excursions, or visiting private properties where liability exposure exists.

Travel Document Loss

Covers reasonable costs associated with replacing lost or stolen travel documents — including passports and visas — while in the Schengen Area, and emergency expenses directly resulting from document loss. Removes a key pain point for first-time and solo travellers who are most vulnerable to this risk.

24/7 Emergency Assistance

Round-the-clock access to a dedicated global assistance helpline — providing medical referrals, hospital admission coordination, interpreter services, and emergency support throughout the Schengen trip. A tangible benefit partners can promote with confidence and customers can access the moment they need it.

How It Works

From Checkout to Claim — Built to Be Seamless.

Schengen Low Cost is designed for frictionless B2B distribution — fast to integrate, instant to issue, and straightforward for customers to use when they need it most.

Embed at Point of Booking

Schengen Low Cost sits cleanly at checkout alongside flight or visa bookings. Available via API for OTA and platform integration, or as a structured product your team can offer directly — priced to minimise checkout friction and maximise volume conversion.

Policy Issued Instantly

On purchase, the policy is issued immediately and delivered digitally to the traveller — with a policy document confirming all benefit details, the 24/7 assistance helpline number, and clear claims instructions. Embassy-ready documentation included as standard.

Visa Application Support

The policy document confirms the product meets Schengen visa minimum requirements — including the mandatory €30,000 medical cover. Travellers can submit it directly to the embassy or consulate as part of their visa application without any additional certification.

Claims — Simple & Supported

In an emergency, the 24/7 helpline coordinates medical assistance directly. For non-emergency claims — delay, baggage, interruption — customers submit via the portal with supporting documentation. Clear requirements are set out on the policy document from day one.

Ideal Distribution Partners

The Right Product for High-Volume Schengen Channels.

Schengen Low Cost is calibrated for partners who need a compliant, competitively priced product that converts reliably at scale across price-sensitive customer segments.

Online Travel Agencies (OTAs)

Schengen Low Cost is an OTA's natural entry-tier product for European travel. It converts at the price point where checkout drop-off is highest — giving OTAs a compelling, compliant offer that secures the attach rather than losing it to price sensitivity. Pair it with Schengen Standard for a dual-tier upsell architecture that lifts average order value across the same customer base.

Visa Agencies & Consultants

Visa agencies are one of the most natural distribution points for Schengen travel insurance — customers are already in the mindset of visa compliance when they engage. Schengen Low Cost is positioned and documented to satisfy embassy requirements from day one, making it a credible, no-explanation-needed recommendation for agencies processing high volumes of Schengen applications.

Banks & Card Issuers

Banks distributing travel products to cardholders or account holders benefit from Schengen Low Cost as a simple, clean card benefit that requires minimal underwriting complexity and delivers a clear, communicable value proposition. Offered as a complimentary benefit on entry-level cards or a purchasable add-on at point of international transaction.

Affinity Groups & Travel Communities

Affinity organisations — student travel groups, religious travel communities, diaspora travel networks — often move large volumes of Schengen-bound travellers at once, with price sensitivity as the primary purchase driver. Schengen Low Cost is structured to make group distribution straightforward, with clean per-person pricing and clear documentation for every policyholder.

Partner with AGI
Ready to Distribute Schengen Low Cost?

Contact our partnerships team to discuss distribution terms, integration options, benefit schedules, and pricing structures tailored to your channel and customer base.

Contact Partnerships Team View All Products