Cheap Schengen travel insurance: tips for finding the best deal

When planning a trip to Europe, finding inexpensive Schengen insurance is a major concern for travelers, especially those who need to obtain a visa. Insurance is compulsory in most cases, but the cost varies widely depending on the length of the trip, the traveler's profile and the insurer.

It's tempting to go for the cheapest possible deal. But beware: not all insurance is created equal, and a price that's too low may conceal incomplete coverage.

In this article, we give you some practical tips on how to make smart savings on your Schengen insurance while traveling safely and legally.

1. Compare online offers to pay the right price

Today, there are many travel insurance comparison sites that allow you to quickly see the prices and cover offered. With just a few clicks, you can identify price differences that can be considerable for equivalent coverage.

For example, for a 15-day stay in Europe, a Moroccan couple can find offers ranging from €28 to €60 , depending on the insurer. By comparing, they can save up to 50% without losing anything in terms of coverage.

Tip: use several comparators and, if possible, also request a quote directly from insurers specializing in Schengen visas.

2. Adjust the duration of coverage to your actual dates

A common mistake made by travellers is to take out insurance that is longer than necessary. However, for a Schengen visa, it is sufficient that the insurance covers exactly the duration of the stay.

For example, if you're going away for 18 days, there's no need to take out a "1-month" package - you'll pay for 12 days too many. On average, this can represent a saving of €10 to €20.

With offers like Neat Travel Protect, you enter your precise dates and immediately receive a certificate covering only that period. It's simple, effective and economical.

3. Choose a basic formula that's compliant but without unnecessary extras

The Schengen visa imposes clear conditions:

• Minimum medical coverage of €30,000‍
• Medical repatriation coverage‍
• Valid for the entire duration of your stay in all Schengen countries.

Everything else (lost luggage, flight cancellation, sports insurance, etc.) is optional. These additional coverages add to the cost.

If your primary objective is to obtain a visa, choose a simple, compliant package. You can always add options if you have specific needs.

4. Check for duplicate insurance to avoid paying twice

Before signing, ask yourself if you already have partial coverage:

• Some premium bank cards include travel insurance.
• Some employers and universities offer international coverage.

But beware: these insurances are almost never sufficient for a Schengen visa (ceiling too low or no repatriation cover). They can be used as a complement, but rarely as a substitute.

5. Focus on Schengen specialist insurers

The big generalist insurance companies are not always the most competitive. Those specialized in Schengen visas have the advantage of offering :

• Calibrated rates
• 100% compliant contracts
• An official certificate is immediately available online.

This is exactly the approach of Neat Travel Protect, which combines competitive pricing with guaranteed compliance for visa applications.

Common mistakes to avoid

• Choosing insurance solely on price, without checking that it meets Schengen criteria. → Result: visa refused.
• Take out insurance too early or too late: if the insurance does not cover your exact dates, the consulate may reject your application.
• Forget to ask for an official certificate. A simple contract or estimate is not enough.

Conclusion: save intelligently, without compromising compliance

Cheap Schengen travel insurance can be found by comparing offers, adjusting the duration of cover, choosing a basic package and taking advantage of discounts.

But never forget:

• Your visa will be refused without proper insurance.
• Too little coverage can cost you thousands of euros in the event of an unforeseen event.

The right solution is therefore to aim for the best value for money, with a clear, compliant and cost-effective contract. Specialized players such as Neat Travel Protect offer just such a package: simple, transparent and tailored to Schengen travelers.

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