Go Schengen + review: Schengen visa cover with €3,500,000 of personal liability
- 🕵️♂️ Independent expert
- 📊 Over 90 formulas compared
- 📄 Contract read in full
P. LauroreCo-founder & Travel and Credit Card Insurance ExpertLast updated: October 8, 2026What does Go Schengen + cover, and who is it for?
Go Schengen + is the upper level of the Go Schengen contract sold by Assur Travel to travellers who live outside Europe and need a Schengen visa. It gives you €30,000 of medical and hospital cover, the amount the visa rules require, medical repatriation at actual costs, and something the base level does not have: a personal liability policy of €3,500,000 per claim. A 30-day policy costs €51.00, at the same price for every adult from 18 to 74.
We read the full 2026 contract pack, the insurance product information document and the general terms, both available in English. Two specialist insurers stand behind the plan: Mutuaide Assistance, a French insurer supervised by the ACPR, handles the medical, repatriation and assistance benefits, and Tokio Marine Europe S.A., a Luxembourg insurer, carries the personal liability.
Our take: for €6 more than Go Schengen on a 30-day trip, Go Schengen + adds €3,500,000 of cover for the harm you might accidentally cause to someone else. On the trip we priced, it was the most affordable plan in our whole Schengen comparison to include meaningful personal liability. If you are renting a flat, travelling with a partner or staying several weeks in one city, that small step is easy to justify.
If you only need the medical cover, our review of Go Schengen covers the level below. To see Go Schengen + next to every other plan on your own dates, use the travel insurance comparison.
Every year, our experts audit each plan against its binding policy wording: coverage, limits and exclusions, cross-checked with real customer feedback and live market prices. The analysis is fully independent, with zero paid placements and no insurer able to pay to influence a rating. We compare travel insurance across every country and currency, using the plans, prices and coverage actually offered in your country, not a single guide translated.
Learn moreIs Go Schengen + accepted for a Schengen visa?
Yes. A Schengen visa asks for at least €30,000 of medical cover for emergency treatment, hospital care and repatriation for medical reasons. Go Schengen + gives you exactly that, and repatriation and repatriation of remains are paid at actual costs, on top of the €30,000 rather than inside it. The certificate is emailed as soon as your premium is paid.
What the consulate asks for | What Go Schengen + gives you |
|---|---|
Medical cover of at least €30,000 Emergency treatment and hospital care | €30,000 |
Repatriation for medical reasons Organised by the insurer | Actual costs, on top of the €30,000 |
Repatriation of remains | Actual costs |
A document naming you To attach to your application | Certificate emailed as soon as you pay |
The consulate sees the same certificate on both levels of Go Schengen: the visa rules say nothing about liability, so the upper level is a choice for your own peace of mind. Buy your policy at least 3 days before departure, which is the lead time the contract sets.
How much does Go Schengen + cost on a real trip?
From €20.00 for a trip of up to 7 days to €448.00 for the longest trip sold, 364 days. The step up from Go Schengen is a small fixed amount, between €3.00 and €25.00 for the whole stay depending on its length, and the premium never changes with your age.
Length of stay | Go Schengen + | Go Schengen | Difference |
|---|---|---|---|
7 days* A short family visit | €20.00 | €17.00 | €3.00 |
15 days A typical tourist visa | €30.00 | €26.00 | €4.00 |
30 days A full short-stay visa | €51.00 | €45.00 | €6.00 |
60 days** An extended stay | €64.00 | €56.00 | €8.00 |
90 days The short-stay maximum | €83.00 | €74.00 | €9.00 |
180 days A long-stay visa | €220.00 | €206.00 | €14.00 |
364 days The longest trip sold | €448.00 | €423.00 | €25.00 |
Same figures as the table above. Real quotes captured on hellosafe.com on 11 September 2026: 1 traveler, residence India, destination France, in euros.
The premium is per person: four travellers on the same 30-day trip pay €204.00. Up to ten people can be named on one policy, which keeps a group or a couple on a single certificate.
What does the €3,500,000 personal liability cover?
Personal liability pays the people you accidentally harm and defends you if they claim against you. If you knock a cyclist off their bike, break a shop window or someone falls ill after a meal you cooked, this is the cover that compensates them. It comes on top of the medical benefits, as its own policy with its own ceilings.
What happened | The ceiling that applies | Excess |
|---|---|---|
You injure someone Bodily injury and the loss that follows | €3,500,000 per claim and per year | None |
You damage someone's property Property damage and consequential financial loss | €350,000 per claim and per year | €150 per claim |
Fire, explosion or water damage In accommodation you occupy for under 3 months | €300,000 | €150 per claim |
Harm to your own domestic staff | €150,000 per victim and per year | €150 per claim |
You are sued Lawyers and court costs* | Paid on top of the ceiling | None |
- Your everyday private life, including the commute: Any non-professional activity is covered, including the journey between your accommodation and your place of work.
- Food you serve to other people: Food poisoning caused by a meal or a drink you served is named in the wording as covered.
- Your defense in court: The insurer conducts the defense of your civil interests, and those costs do not reduce the €3,500,000.
- Property lent to you for under three months: Things in your temporary keeping or use are covered for stays under three consecutive months.
- Good to know: professional activity
Damage linked to your work or to an elected office is handled by professional insurance, not by this policy. - Vehicles and boats
Motor vehicles, trailers and air, sea, river or lake navigation are outside the liability cover. - Your own household
The cover protects third parties, so it does not pay you, your family or their relatives. - Some sports
Off-piste skiing and snowboarding, cross-country skiing, luge, climbing, mountaineering, caving, rafting, canyoning, jet-skiing, kite-surfing and scuba diving below 50 meters, as well as competitions and sport under a federation license, are outside the liability cover. - Animals and fines
Attack, guard and defense dogs as classified under French law and non-domestic animals are not included, and personal fines remain yours to pay.
In which countries does Go Schengen + cover you?
The medical and assistance benefits cover the Schengen area and equivalent countries listed in the terms, including Croatia, Cyprus, Andorra, Monaco and four French overseas departments. The personal liability has its own territory of 22 countries: the Schengen area excluding Switzerland, with mainland France. In Germany, Spain, Italy, mainland France and the other core Schengen countries, both covers travel with you.
Where you are going | Medical and assistance | €3,500,000 liability |
|---|---|---|
Germany, Spain, Italy, mainland France and the other core Schengen countries | Covered | Covered |
Croatia | Covered | Medical cover only |
French overseas departments* | Covered | Medical cover only |
Switzerland, Norway, Iceland, Liechtenstein, Bulgaria, Romania | Not in the covered zone: choose another plan for these trips | Not in the covered zone |
Go Schengen + covers your medical costs and repatriation in Croatia in the same way as in the rest of the zone. The personal liability territory lists 22 countries and Croatia is not one of them, so on that leg of the trip you travel with the medical cover.
For the visa procedure itself, the appointment, the file and the fees, see our Schengen visa guide.
Are you covered if you damage the apartment you are staying in?
Yes, for a holiday stay of less than three consecutive months in the same accommodation. Fire, explosion and water damage you cause in a flat or holiday home you are occupying are covered up to €300,000, with a €150 excess. A burst washing machine in your rented apartment during a few weeks' stay is exactly the kind of claim this answers.
Two points to keep in mind: the cover applies to temporary occupancy of under three consecutive months, so for a longer stay in the same place, check your landlord's insurance; and theft in the accommodation is not part of the liability cover.
How do you claim on Go Schengen +?
For anything medical, call the assistance team on the number printed on your certificate before you accept treatment. They approve the care, guide you to the right hospital and organise repatriation if you need it. A hospital stay of more than 24 hours is authorised in advance by the assistance service, which is why that first call matters.
Medical and assistance | Personal liability | |
|---|---|---|
Insurer | Mutuaide Assistance | Tokio Marine Europe S.A. |
Supervised by | ACPR, France | Commissariat aux Assurances, Luxembourg |
How you start a claim | Call the assistance service at the time of the incident, before treatment | Notify the insurer in writing |
Deadline | At the time of the event | Within 5 days |
Complaints | Mutuaide, then the Insurance Ombudsman | reclamations@tmhcc.com |
Most visa applicants have no other health cover in Europe. In that case Go Schengen + is the payer: it reimburses eligible costs up to €30,000, after an excess of €30 per condition. If you do have a scheme at home, Go Schengen + pays the part it does not cover. Eligible costs are those the French social security system recognises, the basis used by the contract.
What does Go Schengen + not include?
Go Schengen + is a medical, assistance and liability contract designed for a visa. The medical ceiling is €30,000 on both levels of Go Schengen. If you want cover for the consequences of epidemics, the Premium and Summum levels of the same Assur Travel contract include it.
- Epidemics and pandemics
Not covered on this level; included on the Premium and Summum levels. - Trip cancellation and baggage
Not part of this contract. - Health history
Conditions that existed before departure are not covered; new illnesses and accidents during the trip are. - Pregnancy
Unforeseeable complications are covered up to the 36th week; routine antenatal care is not. - Specific conditions
Psychiatric conditions, back and joint conditions such as herniated discs or osteoarthritis, glasses, lenses and prostheses are listed in the exclusions. - Care in your country of residence
The contract covers care during your trip, not at home. - Physiotherapy
Covered up to €100 a year with no excess, after an accident or a sudden illness.
Skiing: recreational skiing on marked runs is not excluded from the medical side, so a broken ankle on the slopes falls under the €30,000 like any other accident. The plan does not include ski-specific benefits such as piste rescue or ski-pass refunds.
Who can take out Go Schengen +?
- Age
Go Schengen + is designed for adults aged 18 to 74, all at the same price. Children travelling with you are insured on another plan from our comparison. - Where you live
You must live outside the Schengen area. Residents of India, the United States, China, Nigeria, the United Kingdom or Turkey, for example, can subscribe. - When to buy
At least 3 days before departure. - Group size
Up to ten people on one policy. - Length of stay
From 1 day up to 364 days. French nationals living abroad are covered for up to 3 months per trip.
Do you get your money back if your visa is refused?
Yes, on policies of 30 days or more. Write to the broker by registered post before the start date, enclose the refusal letter, and the premium is returned minus €20 of administration costs. On a 30-day policy at €51.00, that means €31.00 back. Policies shorter than 30 days are not refundable, so if your application is uncertain, a 30-day policy is the safer choice, and it also comes with a 14-day cooling-off period.
How does Go Schengen + compare with the other Schengen plans?
Seven plans came back on the 30-day trip we priced for this review, all meeting the €30,000 visa requirement. What sets Go Schengen + apart is the personal liability: it is the most affordable plan in our comparison to include it at this level.
Plan | 30-day premium | Medical ceiling | Personal liability |
|---|---|---|---|
Go Schengen + The plan reviewed here | €51.00 | €30,000 | €3,500,000 |
Silver Plan | €29.00 | €30,000 | Not included |
Gold Plan | €34.80 | €80,000 | Not included |
The level below | €45.00 | €30,000 | Not included |
€58.00 | €30,000 | Not included | |
€110.00 | €30,000 | €50,000 | |
Schengen Annual A year of trips | €749.00 | €30,000 | €4,575,000 |
For a single trip, Go Schengen + gives you €3,500,000 of liability for €51.00 over thirty days. The only plan with more liability is the annual product, built for frequent travellers making several trips a year.
Our verdict: the affordable way to add liability to your Schengen visa cover
Go Schengen + gives you everything a visa applicant needs, €30,000 of medical cover, repatriation at actual costs and a certificate emailed on payment, and adds €3,500,000 of personal liability for a few euros more than the base level. On the trip we priced, no other single-trip Schengen plan offered that much third-party cover at this price.
It is a natural choice if you are renting a flat, travelling as a couple or a group of adults, or spending several weeks in one city, and the price stays the same whatever your age from 18 to 74.
If you want cover for epidemics, the Premium and Summum levels of the same contract include it. Enter your dates below to see your Go Schengen + price and get your certificate.
Included coverage
Personalized quote · no obligation
Included coverage
Personalized quote · no obligation
Included coverage
Personalized quote · no obligation
Real quotes captured on hellosafe.com on 11 September 2026: 1 traveler aged 40, 30 days in France (12 October to 10 November 2026), residence India, no cancellation option, in euros. Schengen visa plans are sold and paid in euros, so every figure here is a euro figure. Go Schengen + prices on trip length alone, so the same premium comes back at any age from 18 to 75; other plans on this list may price by age.
HelloSafe is available as an app inside ChatGPT. Install it from ChatGPT’s Apps tab, then type @HelloSafe followed by your destination and dates to compare travel insurance.
Go Schengen +: price, liability and claims
Go Schengen + adds personal liability of €3,500,000 per claim. The medical cover, €30,000 with repatriation at actual costs, is the same on both levels. The step up costs €3.00 on a 7-day trip, €6.00 on 30 days and €25.00 on the longest policy sold.
Yes. It provides the €30,000 of medical cover the visa rules require, emergency treatment and hospital care, with repatriation at actual costs on top. The certificate is emailed as soon as you pay. Check that your destination is in the covered zone: Switzerland, Norway, Iceland, Liechtenstein, Bulgaria and Romania are not.
€20.00 for any trip up to 7 days, €30.00 for 15 days, €51.00 for 30 days, €83.00 for 90 days and €448.00 for 364 days (quotes captured on hellosafe.com on 11 September 2026). The price is the same at every age from 18 to 74.
In 22 countries: the Schengen area excluding Switzerland, with mainland France. In Croatia and the French overseas departments, you have the medical cover but not the liability.
Yes, for a holiday stay of less than three consecutive months: fire, explosion and water damage are covered up to €300,000, with a €150 excess. Theft in the accommodation is not covered.
Go Schengen + is designed for adults aged 18 to 74. Children travelling with you can be insured on another plan in our comparison.
No. It is a medical, assistance and liability contract. For cover of the consequences of epidemics, the Premium and Summum levels of the same Assur Travel contract include it.
Mutuaide Assistance, supervised by the ACPR in France, for the medical, repatriation and assistance benefits, and Tokio Marine Europe S.A., supervised in Luxembourg, for the personal liability. Assur Travel is the broker that sells the plan.
For anything medical, call the assistance service on the number on your certificate at the time of the incident and before treatment; a hospital stay over 24 hours is authorised in advance. For a liability claim, notify the insurer in writing within 5 days.
Yes, on policies of 30 days or more. Write to the broker by registered post before the cover starts, attach the refusal, and the premium is refunded minus €20 of administration costs.
Go Schengen + is then your payer: it reimburses eligible costs up to €30,000 after an excess of €30 per condition. If you have a scheme at home, it pays the part your scheme does not cover.
An accident while skiing on a marked run is covered by the medical benefits like any other accident, up to €30,000. The plan has no ski-specific benefits such as piste rescue or ski-pass refunds, and off-piste skiing is outside the liability cover.
On the same topic
The safest countries in Europe in 2026
Oct 13, 2026
GDP per capita by country in 2026
Oct 13, 2026
The richest countries in Africa in 2026
Oct 12, 2026
