Seguro de viaje para Europa
Compara proveedores que cumplen con la cobertura mínima Schengen de €30.000.
¿Por qué necesitas seguro de viaje para Europa?
Requisito legal
Según el Código de Visados de la UE (Reglamento CE n.° 810/2009), todos los solicitantes de visa Schengen deben tener un seguro médico de viaje con una cobertura mínima de €30,000. Tu solicitud de visa será rechazada sin él.
Costos de salud
Una sola visita al hospital en Europa Occidental puede costar €5.000-50.000+. Una ambulancia cuesta en promedio €800-1.500. La evacuación médica puede superar los €100.000.
What Could a Medical Emergency Cost You?
European healthcare is not free for visitors. Without insurance, you pay full price out of pocket.
Broken leg while skiing in Austria
€8,000–25,000
ER, X-ray, surgery, 2–3 night stay
Food poisoning requiring overnight stay in Paris
€2,500–5,000
ER, IV fluids, overnight monitoring
Appendicitis surgery in Germany
€12,000–30,000
Emergency surgery, 3–5 day recovery
Heart attack in Switzerland
€40,000–100,000+
ICU, surgery, extended hospitalization
Travel insurance from €22/trip covers all of this — plus trip cancellation and lost luggage. That's less than a single taxi ride in most European cities.
Typical Costs Without Insurance
| Ambulance (Germany) | €500–800 |
| ER Visit (France) | €1,000–3,000 |
| 3-5 Day Hospital Stay (Spain) | €5,000–15,000 |
| Surgery (Switzerland) | €20,000–80,000 |
| Medical Evacuation | €10,000–50,000 |
| Emergency Dental (Italy) | €200–1,500 |
Para viajeros ETIAS: While ETIAS applicants (visa-exempt travelers) are not legally required to have insurance, it is STRONGLY recommended and may be checked at the border.
La cobertura mínima debe incluir:
- Emergency medical treatment
- Hospitalization
- Emergency medical evacuation
- Repatriation of remains
Source: EU Visa Code — Regulation (EC) No. 810/2009, Articles 15 & 32
Comparar proveedores
Heymondo
Best overall value
Desde
€38/trip
Cobertura
€10,000,000
Heymondo is a modern travel insurance provider with a strong mobile-first experience. Their app lets you manage claims, contact assistance, and access your policy documents on the go. They stand out for their high coverage ceiling (€10M) at a mid-range price, making them excellent value. Claims are typically processed within 48 hours through the app.
Strengths
- Highest coverage ceiling (€10M) at a reasonable price
- Excellent mobile app for claims and real-time assistance
- COVID-19 coverage included at no extra charge
- Trip cancellation and interruption coverage included
Limitations
- Slightly pricier than AXA for basic Schengen compliance
- Less established brand than Allianz or AXA
- Phone support can have wait times during peak season
Deductible: €0–€75 depending on plan tier
Claims: File claims directly through the Heymondo app with photo uploads.
Ideal for: Travelers who want strong coverage at a fair price, especially those who prefer managing everything through a mobile app.
AXA Schengen
Cheapest Schengen-compliant option
Desde
€22/trip
Cobertura
€30,000
AXA Schengen is purpose-built for Schengen visa applicants. It's the most affordable way to meet the mandatory €30,000 insurance requirement. AXA is a globally recognized insurer, so their certificate is accepted by every Schengen embassy without question. However, coverage is capped at €30,000 — enough for compliance but may fall short for serious medical events like surgery or extended hospitalization.
Strengths
- Cheapest option that meets Schengen visa requirements
- Instant insurance certificate for visa applications
- Universally recognized by all Schengen embassies
- Backed by AXA — one of the world's largest insurers
Limitations
- Coverage capped at €30,000 — may not cover major surgery or ICU stays
- No trip cancellation or interruption coverage
- No COVID-19 specific coverage
Deductible: €0 on most plans
Claims: Traditional claims process via email/mail.
Ideal for: Budget travelers and visa applicants who need Schengen-compliant insurance at the lowest possible price.
Allianz Travel
Most comprehensive coverage
Desde
€45/trip
Cobertura
€1,000,000+
Allianz is one of the world's largest insurance companies, and their travel insurance reflects that scale. With €1M+ medical coverage, you're protected against even the most expensive European medical scenarios (Swiss hospitals, air evacuation, extended ICU stays). They have a huge network of partner hospitals across Europe, meaning you can often get direct billing rather than paying out-of-pocket and claiming later.
Strengths
- Highest medical coverage among traditional insurers (€1M+)
- Largest provider network in Europe — often direct hospital billing
- Comprehensive extras: baggage, delay, cancellation all included
- 24/7 multilingual emergency hotline
Limitations
- Most expensive per-trip option
- Claims process can be slower than digital-first competitors
- Overkill for short city breaks or budget trips
Deductible: €50–€150 depending on plan tier
Claims: Claims via online portal or phone.
Ideal for: Travelers who want peace of mind with maximum coverage.
SafetyWing
Digital nomads & long-term travelers
Desde
$56/4 weeks
Cobertura
$250,000
SafetyWing works completely differently from traditional travel insurance. Instead of buying per-trip, you subscribe monthly and are covered continuously across 185 countries. There's no fixed end date — just cancel when you stop traveling. This makes it uniquely suited for digital nomads, remote workers, and long-term travelers who don't have fixed itineraries. Coverage is $250,000 which handles most medical scenarios, though it's lower than Allianz or Heymondo.
Strengths
- Subscription model — pay monthly, cancel anytime, no end date needed
- Covers 185 countries including your home country (limited)
- Perfect for open-ended travel and multi-country trips
- Cheapest option for trips longer than 4 weeks
Limitations
- Lower coverage ceiling ($250K) compared to Heymondo or Allianz
- Deductible of $250 per incident — higher than competitors
- Limited trip cancellation coverage
Deductible: $250 per incident
Claims: Online claims portal.
Ideal for: Digital nomads, remote workers, long-term backpackers, and anyone traveling without a fixed return date.
Los enlaces pueden contener etiquetas de afiliados. Solo recomendamos proveedores que cumplan los requisitos Schengen.
Comparación lado a lado
| Característica | Heymondo | AXA Schengen | Allianz Travel | SafetyWing |
|---|---|---|---|---|
| Precio inicial | €38/trip | €22/trip | €45/trip | $56/4 weeks |
| Cobertura | €10,000,000 | €30,000 | €1,000,000+ | $250,000 |
| Deductible | €0–€75 depending on plan tier | €0 on most plans | €50–€150 depending on plan tier | $250 per incident |
| Pricing Model | Per-trip pricing. | Per-trip pricing based on duration. | Per-trip pricing. | Subscription: $56/4 weeks (auto-renewing). |
| Compatible Schengen | Sí | Sí | Sí | Sí |
| Claims Process | File claims directly through the Heymondo app with photo uploads. | Traditional claims process via email/mail. | Claims via online portal or phone. | Online claims portal. |
| Ideal para | Best overall value | Cheapest Schengen-compliant option | Most comprehensive coverage | Digital nomads & long-term travelers |
Preguntas frecuentes
¿Es obligatorio el seguro de viaje para Europa?
Para solicitantes de visa Schengen, sí — un seguro de viaje con cobertura mínima de €30.000 es obligatorio según el Reglamento (CE) 810/2009. Para viajeros elegibles para ETIAS (exentos de visa), no es legalmente obligatorio pero se recomienda encarecidamente. Los agentes fronterizos pueden pedir prueba de seguro.
¿Qué debe cubrir el seguro de viaje Schengen?
Debe cubrir tratamiento médico de emergencia, hospitalización, evacuación médica de emergencia y repatriación de restos. La cobertura debe ser válida durante toda la estadía en TODOS los países Schengen.
¿Puedo comprar seguro después de llegar a Europa?
Debes comprarlo antes de la partida. Si lo necesitas para una solicitud de visa Schengen, debes tenerlo antes de tu cita. Incluso para viajeros ETIAS, es recomendable tener prueba en la frontera.
¿Necesito un seguro separado para el Reino Unido?
El Reino Unido NO es parte del espacio Schengen, por lo que el seguro Schengen generalmente no lo cubre. Si visitas ambos, elige un plan con cobertura mundial o multipaís.
¿Cuánto cuesta el seguro de viaje para Europa?
Los planes básicos compatibles con Schengen comienzan alrededor de €20-40 por viaje. Los planes integrales con cancelación de viaje, cobertura de equipaje y límites médicos más altos suelen costar entre €40-80 por viaje. Los planes a largo plazo comienzan alrededor de $56/mes.
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