Schengen Travel Insurance

Schengen Standard
Travel Insurance

The enhanced-tier Schengen travel insurance plan built for partners who want to go beyond compliance — delivering stronger customer protection, a clear upgrade path from Low Cost, and meaningfully higher revenue per policy.

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Product Overview

The Upgrade That Sells Itself

Schengen Standard is AGI's enhanced-tier travel insurance plan for the Schengen Area — built for distribution partners who want to offer more than the minimum and capture the revenue that comes with it. Where Schengen Low Cost satisfies the visa requirement, Standard goes further: higher medical limits, trip cancellation cover, personal accident protection, enhanced baggage benefits, and a broader benefit schedule that gives customers a genuine reason to choose up.

Schengen Standard Travel Insurance — enhanced-tier B2B plan
Key Features

Beyond Compliance. Built for Confidence.

Schengen Standard goes further than the visa minimum — delivering a benefit schedule that customers genuinely perceive as worth the upgrade. Contact our team for full coverage schedules, limits, and commercial terms.

Enhanced Medical Cover — Above €30,000 Minimum

Significantly higher emergency medical expense limits than the Schengen visa minimum — covering hospitalisation, specialist treatment, surgery, and intensive care for sudden illness or accidental injury. Higher limits translate directly into stronger customer confidence and better positioning for the product as a premium offering rather than a compliance checkbox.

Trip Cancellation — Pre-Departure Protection

Reimburses non-refundable, pre-paid trip costs when the journey is cancelled before departure due to covered reasons — sudden illness or injury, bereavement of an immediate family member, redundancy, serious damage to the primary home, or natural disaster at the destination. This is the benefit that most differentiates Standard from Low Cost, and the one customers most often cite as their reason for upgrading.

Trip Interruption & Curtailment

Covers additional costs and the unused portion of pre-paid travel arrangements when a traveller must cut short their Schengen trip due to a covered event — including emergency hospitalisation of an immediate family member, a serious incident at their primary home, or a declared natural disaster. Also covers the cost of an emergency return ticket when early departure is necessary.

Emergency Medical Evacuation & Repatriation

Covers the full cost of emergency medical evacuation to the nearest suitable medical facility — and repatriation to the traveller's home country when clinically warranted. Higher evacuation limits under Standard align with the product's positioning as a comprehensive plan for customers who expect more than the minimum from their travel insurance.

Personal Accident & Accidental Death

Provides a lump-sum benefit payment in the event of accidental death or permanent total disablement during the Schengen trip — covering incidents that occur in transit, at the destination, or during leisure activities. A critical benefit for the corporate travel and business traveller segments where employer duty-of-care frameworks require personal accident cover as standard.

Enhanced Baggage & Personal Belongings

Higher baggage coverage limits for loss, theft, and damage to checked and cabin baggage — along with enhanced cover for personal belongings and travel documents. Baggage delay cover reimburses essential purchases when luggage is delayed beyond the threshold period. The enhanced limits reflect the real value of what modern travellers carry and provide meaningful protection beyond basic plans.

Flight Delay & Missed Connection

Benefit payments when an outbound or return flight is delayed beyond the covered threshold — covering meals, accommodation, and essential expenses. Also covers additional travel costs when a traveller misses a pre-booked connection due to a covered delay, allowing them to rebook and continue their journey without bearing the cost personally.

Personal Liability & 24/7 Assistance

Personal liability cover for accidental third-party bodily injury or property damage caused during the trip — particularly relevant for customers engaged in leisure activities, sightseeing, or visiting private premises. Backed by 24/7 global emergency assistance for medical referrals, hospital coordination, interpreter services, and emergency support throughout the journey.

How It Works

One Step Above Low Cost. Straightforward for Every Partner.

Schengen Standard is designed to sit seamlessly alongside Low Cost in any distribution channel — easy to present, easy to buy, and easy for customers to feel confident in when they need it most.

Position Alongside Low Cost

Standard works best when shown directly next to Low Cost — giving customers a clear, side-by-side comparison of what they get for the difference in price. AGI supports partners in designing the tier presentation and benefit communication materials to maximise upgrade conversion at the moment of purchase.

Policy Issued Instantly

On purchase, the policy is issued immediately and delivered digitally — confirming all benefit details, the emergency assistance helpline, and the claims process. The policy document meets Schengen visa documentation requirements and is ready for embassy submission without any additional certification.

Full Journey Coverage Activated

Coverage begins from the departure date and remains active for the full duration of the Schengen trip. The 24/7 assistance helpline is available from the moment the traveller leaves home — coordinating medical support, hospital admission, and emergency logistics wherever they are in the Schengen zone.

Claims — Handled with Priority

Standard policyholders submit claims via the designated portal or email channel with supporting documentation. Pre-departure trip cancellation claims, emergency medical claims, and baggage claims are all clearly documented on the policy from day one — with defined timelines and straightforward evidence requirements.

Ideal Distribution Partners

Built for Partners Who Want to Grow Revenue Per Policy.

Schengen Standard is the product that rewards partners who invest in customer experience — delivering higher revenue per transaction from customers who actively want more than the minimum.

OTAs with a Premium Tier Strategy

OTAs operating a two-tier or good-better checkout model use Schengen Standard as the "better" option — the plan that trip cancellation and personal accident cover push customers towards when they've already committed significant non-refundable funds to their booking. Higher pre-paid trip costs correlate directly with higher Standard conversion, making this product especially valuable for OTAs in the mid-to-premium leisure travel segment.

Corporate Travel Platforms & TMCs

Corporate travel managers distributing Schengen travel to employees typically require more than the minimum — personal accident cover, trip cancellation for business trip disruption, and higher medical limits are often mandated by corporate risk and HR policies. Schengen Standard satisfies these requirements in a single, structured plan that is easy to roll out across a corporate travel programme.

Premium Bank Cards & Affinity Programmes

Banks and card issuers offering travel insurance as a premium card benefit need a product that justifies the premium positioning — Schengen Standard delivers this with trip cancellation, personal accident, and higher medical limits that entry-tier products cannot credibly offer. It reinforces the card's premium status and gives cardholders a tangible, high-perceived-value reason to maintain their tier.

Travel Agents & Package Tour Operators

Travel agents bundling insurance with holidays, city breaks, or multi-destination European packages benefit from Standard's trip cancellation cover — which directly protects the value of the holiday package itself. Customers who have paid for flights, hotels, and experiences are significantly more motivated to insure that investment with a plan that includes cancellation protection than one that does not.

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Ready to Distribute Schengen Standard?

Contact our partnerships team to discuss distribution terms, benefit schedules, tier architecture design, and pricing structures tailored to your channel.

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