Schengen Campus: student visa insurance for a semester or a year in Europe
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P. LauroreCo-founder & Travel and Credit Card Insurance ExpertLast updated: October 8, 2026What does Schengen Campus cover, and who is it for?
Schengen Campus is AVA's insurance for students and interns moving to Europe for a semester or an academic year. It pays emergency medical and hospital costs up to €30,000, organizes repatriation at actual cost, covers your personal liability up to €50,000, and gives you a certificate for your visa file as soon as you pay. A 268-day academic year in France costs €508.50 for a student aged 22.
We read both documents attached to this plan end to end on 11 September 2026: the general terms (11 pages, policy No. 4.089.008, the AVA Incoming contract that also sits behind Schengen Start) and the product information document. The policy combines three covers that work together: medical expenses, assistance and repatriation, and personal liability abroad.
Our take: Schengen Campus covers exactly what a student visa file requires and the risk that matters most financially during a year abroad, a stay in a European hospital. The personal liability cover is a real plus in shared student housing, and at about €57 a month for a student under 29 it keeps a full academic year affordable.
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 moreDoes Schengen Campus meet the student visa requirements?
Yes. The plan covers emergency medical expenses and repatriation up to €30,000, the minimum a consulate asks for, across the Schengen Area, and the certificate is issued immediately after payment so you can attach it to your file. Requirements vary slightly by consulate, so check your own country's list before you submit.
What we checked | Schengen Campus |
|---|---|
Medical and hospital costs The figure a consulate looks for | Up to €30,000 |
Repatriation home | Actual cost |
Personal liability abroad | €50,000 bodily injury, €50,000 property damage |
Certificate for your visa file | Issued as soon as you pay |
Length of stay | Up to 364 days |
Ages quoted in our comparison | 16 to 38 |
Price, 268-day academic year | €508.50 up to age 28 |
What does Schengen Campus cover in detail?
The cover is broadest where the bills are biggest: a hospital admission. Everyday care such as a doctor or a pharmacy is reimbursed within a separate allowance. Here is every guarantee, read from the Summary of Covers.
Guarantee | How much it pays | Good to know |
|---|---|---|
Hospital admission 24 consecutive hours or more | 90% of the first €5,000, then 100% up to €30,000 | Paid directly to the hospital once the assistance team has approved it |
Doctor, pharmacy, lab tests | 75% reimbursed, up to €750 | You pay first and claim it back with your receipts |
Emergency dental care | 75% reimbursed, up to €150 | For urgent treatment such as a temporary filling or an extraction |
Emergency dental prosthesis After a covered accident | 75%, up to €250 | For accidents during the stay |
Transport to a medical facility | Actual cost | Arranged by the assistance team |
Repatriation home | Actual cost | The assistance doctors decide the best transport |
Repatriation of the body | Actual cost | Burial and funeral costs are not included |
Personal liability abroad | €50,000 bodily injury, €50,000 property damage | €50 excess per event, useful in shared housing |
Two simple habits make the cover work smoothly. Call AVA Assistance before a hospital admission, since expenses arranged without its agreement are not covered. And let the assistance team guide you to a hospital: medical costs are reimbursed at the usual rate for the region where you are treated.
Schengen Campus is a medical, repatriation and liability policy for your stay. It does not include course interruption, tuition refunds, trip cancellation, baggage or laptop cover, and glasses and contact lenses are not part of it. Enrollment is for a firm term and the premium is not refundable, including if you go home early, so choose your dates carefully.
What should a student check before enrolling?
- Mental health
Psychological and psychiatric care is not part of this contract. Your university's counseling service, free in most European institutions, and the public health system of your host country, which you can usually join once enrolled and resident, are the routes to use. - Health history and pregnancy
A pre-existing condition that relapses, or a pregnancy known before the cover started, is not covered. New illnesses and accidents during your stay are. - Everyday care
For a doctor or a pharmacy, you pay first, keep the original receipt and claim 75% back within the €750 allowance. - Alcohol and drugs
Accidents under illegal drugs or above the French drink-driving limit are not covered.
How does Schengen Campus pay a hospital or a doctor?
- Hospital admission: The assistance company issues a payment number and settles directly with the hospital it sends you to.
- Transport and repatriation: Arranged and paid by the assistance company, at actual cost, with no ceiling.
- A doctor's appointment or a prescription
You pay, keep the original receipt and claim 75% back afterwards. - Before any hospital admission
Call AVA Assistance first, or as soon as your condition allows. If a hospital does not accept direct settlement, you advance the costs and claim them back.
Report other claims by recorded-delivery letter to AVA Assurance Voyages, 25 rue de Maubeuge, 75009 Paris, within 15 business days; payment follows within 15 days of the claim being agreed. The claims office is also reachable at claims@ava.fr or +33 1 53 20 44 23, Monday to Friday. Assistance and hospital admissions go through AVA Assistance on +33 1 49 02 42 11, staffed around the clock.
Is university sport covered?
Yes for your own injuries. Amateur sport is part of the medical cover, so a broken wrist from a university match is treated like any other accident, up to €30,000. The personal liability cover has a list of sports it does not include: dangerous sports, mountaineering, potholing, boxing, polo, karate, American football, parachuting, piloting, gliding, hang-gliding, ULM and diving with self-contained apparatus.
Student activity | Your own medical costs | Your liability if you injure someone |
|---|---|---|
Football, running, tennis, gym | Covered to €30,000 | Covered to €50,000 |
Recreational skiing on a ski week | Covered to €30,000 | Covered, outside professional competition |
Karate, boxing, American football | Covered to €30,000 | Not included |
Scuba diving, climbing, caving | Covered to €30,000 | Not included |
Paragliding, hang-gliding, ULM, parachuting | Not included | Not included |
Motor races, amateur included | Not included | Not included |
A ski injury is covered as a medical event once you reach a hospital, up to €30,000. The plan has no ski module, so mountain search and rescue, equipment and lift passes are not part of it. If your year abroad includes an Alpine season, you can add a dedicated ski cover for those days.
Who can take out Schengen Campus?
- Age
Our comparison quotes Schengen Campus for students aged 16 to 38, with a price step at 29. Older students and interns can choose Schengen Start, AVA's plan on the same contract, which we quoted at 39 and 45. - Where you live
The plan is built for students who live outside the Schengen Area and are moving in temporarily. Students already resident in Europe should choose another plan when renewing for a second year. - Length of stay
Up to 364 days on one policy. Enrollment is for a firm term, so to stay longer you buy a new policy. - Destinations
The European Union and Schengen countries, mainland France, Corsica and the French overseas departments, Andorra and Monaco. For a placement in French Polynesia or New Caledonia, ask AVA to confirm the cover before you subscribe. - Several students
Each student is priced individually: two students on one policy pay exactly twice one.
How much does Schengen Campus cost for a semester or a year?
A 268-day academic year in France costs a 22-year-old student €508.50 on Schengen Campus, about €57 a month. A single semester of 151 days comes to €282.50. The price follows the length of the stay, steps up at age 29, and is strictly per person.
Length of stay | What a student aged 16 to 28 pays | What a student aged 29 to 38 pays | Cost per month |
|---|---|---|---|
151 days One semester | €282.50 | €452.00 | about €56 |
180 days Six months | €339.00 | €542.40 | about €57 |
268 days A full academic year | €508.50 | €813.60 | about €57 |
300 days | €565.00 | €904.00 | about €57 |
330 days | €621.50 | €994.40 | about €56 |
364 days The longest it will sell | €678.00 | €1,084.80 | about €56 |
Real quotes captured on hellosafe.com on 11 September 2026, one student resident in India studying in France, in euros.
Who insures Schengen Campus, and who do you call?
Who they are | What they do | How to reach them |
|---|---|---|
AVA Policyholder and broker | Sells the policy, handles enrollment and claims | AVA Assurance Voyages, 25 rue de Maubeuge, 75009 Paris |
AVA Assistance Assistance company | Authorizes hospital admissions, arranges repatriation | +33 1 49 02 42 11, 24 hours a day |
AIG Insurer | Carries the risk and pays claims | Through AVA |
Claims office | Reimbursement of medical costs and liability claims | claims@ava.fr, +33 1 53 20 44 23, Monday to Friday |
The policy is insured by AIG, one of the world's largest insurers, and governed by French law. In practice you deal with AVA for everything: one emergency line, one claims office.
How does Schengen Campus fit your plans?
Schengen Campus is built for the journey in: a student visa, a semester or a year, and the hospital and liability risks that come with living abroad. For the wider picture, our guide to student travel insurance covers what to look for, and our Schengen student visa page sets out the paperwork your consulate expects. Enter your own dates, age and destination below to see Schengen Campus next to the other student plans we compare.
Our verdict: a simple, visa-ready plan for your academic year
Schengen Campus gives an incoming student what the consulate asks for and what protects the year: €30,000 of medical and hospital cover paid directly to the hospital, repatriation at actual cost, €50,000 of personal liability and a certificate issued the moment you pay. At €508.50 for a 268-day academic year, about €57 a month, it keeps the budget under control for students under 29.
It is a natural fit for students and interns aged 16 to 38 who live outside Europe and are moving in for a semester or a year. Older students can turn to Schengen Start on the same AVA contract.
Enter your enrollment dates below to see your price and get your certificate.
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Real quotes captured on hellosafe.com on 11 September 2026: 1 student aged 22, 268 days in France (5 October 2026 to 30 June 2027), residence India, in euros. These plans are sold and paid in euros, so every price and every ceiling here is a euro figure. Schengen Campus prices in two age bands on the same cover (508.50 € up to 28, 813.60 € from 29), and stops quoting entirely at 39. Your own premium changes with your dates, your age and the number of students on the policy.
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Schengen Campus: what an incoming student wants to know
Yes. It covers emergency medical expenses and repatriation up to €30,000, the minimum a consulate asks for, across the Schengen Area, and the certificate is issued immediately after payment so you can attach it to your file.
We priced it at €508.50 for a 268-day academic year in France for a student aged 22 resident in India, captured on 11 September 2026. A semester of 151 days came to €282.50 and the longest stay, 364 days, to €678.00. From age 29 the same academic year costs €813.60.
Three covers that work together: medical expenses up to €30,000, assistance and repatriation at actual cost, and personal liability abroad up to €50,000 for bodily injury and €50,000 for property damage.
Yes. Outpatient care, meaning a physician, pharmacy and laboratory tests, is reimbursed at 75% within a €750 allowance. You pay first and claim it back against original receipts.
No, for a hospital admission approved by AVA Assistance. The assistance company issues a payment number and settles directly with the hospital. Call +33 1 49 02 42 11 before admission, or as soon as your condition allows.
Your own injuries are, up to €30,000, because amateur sport is part of the medical cover. Personal liability does not extend to some club sports such as karate, boxing, American football, mountaineering, caving and scuba diving, and paragliding, hang-gliding, ULM and parachuting are not covered at all.
Psychological and psychiatric care is not part of this contract. Your university counseling service and the public health system of your host country are the routes to use.
Our comparison quotes Schengen Campus for students aged 16 to 38, with a price step at 29. Older students and interns can choose Schengen Start, AVA’s plan on the same contract.
The plan is built for students who live outside the Schengen Area and are moving in temporarily, so it is the policy for your arrival. Students already resident in Europe should choose another plan when renewing.
Baggage and electronics are not part of this contract, which focuses on medical costs, repatriation and liability.
Up to 364 days. Enrollment is for a firm, non-renewable term and the premium is not refundable, including if you go home early, so an extension means buying a new policy.
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