Silver Plan review: €30,000 of Schengen visa cover at the lowest price we compare
- Coverage ≥ €30,000
- Valid across Schengen
- Instant certificate
P. LauroreCo-founder & Travel and Credit Card Insurance ExpertLast updated: October 8, 2026What does Neat's Silver Plan cover, and who is it for?
The Neat Silver Plan is Schengen visa insurance built to do one job well: give you a certificate the consulate accepts, at the lowest price we can find. It pays emergency hospital costs abroad up to €30,000 per person, the exact amount the Schengen visa rules require, and it organises and pays for medical repatriation at actual costs, with no ceiling. A 30-day policy costs €29.
We read both of its contract documents in full, the two-page product information sheet and the 25 pages of general conditions. Both are written in English, which makes the contract easy to check before you buy. Silver and Gold share the same contract: Silver is the entry tier, Gold raises the hospital ceiling to €80,000.
Our take: for a short-stay visa, Silver is the most affordable way to file a compliant certificate. The premium is the same at every age up to 75, there is a 24/7 assistance team behind it, and on the 30-day trip we priced it came out cheaper than every other €30,000 plan we compare. Silver is also open to travellers who live in the UK, Ireland and the rest of Europe as well as outside Europe, which many Schengen visa plans are not, and it covers long stays of up to 12 months.
If you want more headroom on the same contract, our review of the Neat Gold Plan covers the upper tier. To see Silver 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 moreDoes Silver Plan meet the Schengen visa requirements?
Yes. The European visa code asks for travel medical insurance of at least €30,000 covering emergency hospital treatment and repatriation for medical reasons, valid in every Schengen state for the whole stay. Silver ticks each of those boxes, and the certificate you receive names every insured person and the exact dates of the trip, which is what a visa officer checks.
What the consulate asks for | What Silver gives you |
|---|---|
Medical cover of at least €30,000 Emergency hospital treatment | €30,000 per person |
Repatriation for medical reasons Organised by the insurer | Actual costs, no ceiling |
Valid in every Schengen state For the whole stay | Worldwide cover, on your exact dates |
A document naming you To attach to your application | Subscription certificate with every insured name |
The policy starts on the date printed on your certificate and is paid in full when you subscribe. Our quote form starts policies from the next day, so buy at least a day before you need the certificate and it will be ready for your file.
- Price the exact dates on your visa application. Silver is sold in duration bands, so your dates decide the price.
- Add every traveller. Each person appears on the certificate and is priced individually, at the same rate whatever their age.
- Attach the certificate to your application and save the assistance number in your phone.
- If you need care abroad, call the assistance team first. They are reachable 24/7, open a case for you and guide you to the right hospital.
What does Silver Plan cover in detail?
Silver concentrates on what matters most when you are far from home: a serious hospital stay and getting you back safely. Here is every guarantee, read from the guarantee table of the general conditions.
Guarantee | Silver limit | Good to know |
|---|---|---|
Emergency hospital expenses abroad* Per person | €30,000 | Covers hospital stays of more than 24 hours, reimbursed on the basis of French social security rates |
Medical repatriation or transport Organised by the assistance doctors | Actual costs | No ceiling: the medical team chooses the safest transport and destination |
Repatriation of remains To your country of residence | Actual costs | Handled entirely by the assistance team |
Emergency dental care* Per person | €150 | For urgent pain treatment during the trip |
A relative at your bedside After more than 10 days in hospital | Return ticket + €100 a night, up to 10 nights | So you are not alone during a long stay |
Legal assistance abroad Advances | €1,000 bail + €1,000 lawyer's fees | Advanced by the insurer, repaid afterwards |
Funeral transport costs | €1,500 | Preparation of the body for transport |
Because hospital costs are reimbursed on French social security rates, travellers heading to the most expensive health systems in Europe, Switzerland, Norway and Iceland, often choose the Gold tier for its €80,000 ceiling. For a stay in France, Spain, Italy, Germany or most of the Schengen area, Silver's €30,000 is the amount the consulate asks for.
Silver is a visa medical policy, focused on hospitalisation and repatriation. It does not include trip cancellation, baggage or routine doctor visits, and care in your own country of residence is not part of it. If you also want cancellation cover, compare the plans that include it in our comparison.
How does Silver Plan pay out if you are hospitalised?
Everything starts with one call to the assistance team, VYV International Assistance, before you commit to any expense. They are available 24/7, approve the care, and their doctors take charge of repatriation if you need it. Keep the case number they give you: it speeds up everything that follows.
Most Schengen visa applicants have no health scheme that covers them in Europe, and for them the contract is simple: hospital costs are reimbursed from the first euro, after the €80 excess, up to €30,000. If you do have a home scheme, Silver tops up what it does not pay.
Your situation | How Silver pays | What to send |
|---|---|---|
No health scheme covering you abroad The typical visa applicant | From the first euro, after the €80 excess, up to €30,000 | Original hospital invoices |
A home scheme that pays part of the bill | Silver pays the remainder, up to €30,000 | Your scheme's statement of reimbursement |
A home scheme that refuses the bill | Silver pays the costs, up to €30,000 | Original invoices and your scheme's refusal letter |
When is Silver enough, and when is Gold worth the step up?
Neat keeps the choice simple: Gold costs exactly 20% more than Silver in every duration band. That 20% buys a hospital ceiling of €80,000 instead of €30,000 and a visa-refusal refund written in black and white in the guarantee table. Everything else, the assistance team, repatriation at actual costs and the certificate, is the same.
Your situation | Trip length | Silver | Gold | Our advice |
|---|---|---|---|---|
A weekend in Europe Short business or family visit | 1 to 3 days | €9.00 | €10.80 | Silver covers you |
A two-week tourist visa The most common application | 8 to 15 days | €19.00 | €22.80 | Silver covers you |
A full short-stay visa Thirty days in the Schengen area | 16 to 30 days | €29.00 | €34.80 | Silver covers you; Gold if you want the refund guaranteed |
A family of four Two weeks | 8 to 15 days each | €76.00 | €91.20 | Silver covers the whole family |
Aged 65 or over Thirty days | 16 to 30 days | €29.00 | €34.80 | Gold gives you extra headroom for the same small step |
A longer stay Study or family visit | 91 to 180 days | €99.00 | €118.80 | Silver covers you up to 12 months; Gold for extra headroom |
A useful tip: prices move by duration band, not by day. A 30-day policy costs €29.00 and a 31-day one €39.00, so if your dates can shift by a night, check where the band ends before you buy.
- You live in the UK or elsewhere in Europe: Unlike many Schengen plans, Silver insures UK and European residents travelling in the Schengen area, as well as travellers coming from outside Europe.
- You are applying for a short-stay Schengen visa: Silver gives the consulate exactly the cover it asks for, at the lowest price on our comparison.
- You are insuring several people: Everyone pays the same rate whatever their age, so a family or a group stays affordable.
- You are an older traveller on a budget: The premium does not rise with age up to 75, which is rare on this market.
- You are staying longer than 90 days: Silver covers stays from 1 day up to 12 months, so a semester, a long family visit or a season abroad stays on one policy.
- Choose Gold if a visa-refusal refund is important to you
Gold's guarantee table grants it explicitly. On Silver, ask Neat to confirm it before you buy. - Choose Gold for Switzerland, Norway or Iceland, or for a stay of several months
The €80,000 ceiling gives you more room where hospital bills run highest.
Who can take out Silver Plan, and what activities are covered?
- Age
Travellers up to 75 can subscribe, at the same price as a child. If you are exactly 75, confirm your eligibility with Neat before buying. - Where you live
Silver is open to residents of the United Kingdom, Ireland and most countries worldwide, including Europeans travelling within Europe. Whether you need a Schengen visa or simply travel from London to Paris, the same cover applies. - Length of stay
From 1 day up to 12 months (365 days). Short-stay visas, long family visits and study stays are all covered on the same contract. - Sports and leisure
Around seventy activities are covered, including skiing and snowboarding on marked slopes, cross-country skiing, hiking and snowshoeing. Motorised activities such as quad biking or jet skiing are covered up to €1,000. - Pregnancy
Unforeseen complications are covered up to the end of the 35th week. - Health history
Conditions diagnosed or treated in the five years before the trip are not covered; new illnesses and accidents during the trip are.
Neat offers an optional COVID extension on both tiers. It adds hotel quarantine at €100 a night for up to seven nights. A COVID hospital stay of more than 24 hours is already covered by the standard medical guarantee.
How does Silver compare with the other Schengen plans?
On the 30-day trip we priced for this review, seven plans came back, six with the same €30,000 ceiling as Silver. Silver was the cheapest of all seven. The more expensive plans add extras such as liability cover or wider country lists; if all you need is a compliant certificate and solid hospital cover, Silver gives it to you for less.
Our reviews of the alternatives follow the same contract read: Go Schengen, Cap Schengen and Schengen Start. Your own price depends on your dates, so run the comparison below.
Our verdict: the smart choice for a Schengen visa on a budget
Silver Plan does exactly what a visa applicant needs: €30,000 of hospital cover, repatriation at actual costs with no ceiling, a certificate the consulate accepts and a 24/7 assistance team, for €29 over thirty days. On the trip we priced, no other €30,000 plan came close on price.
It is the natural pick for a short trip, for a family buying several certificates, for older travellers, since the premium is the same from birth to 75, for residents of the UK and the rest of Europe, who many Schengen plans turn away, and for long stays of up to 12 months.
If you want a visa-refusal refund written into the guarantee table, more headroom for Switzerland, Norway or Iceland, or you are staying several months, the Gold Plan gives you all of that for 20% more. Enter your dates below to see both prices.
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Real quotes captured on 11 September 2026 on hellosafe.com: 1 traveller aged 34, 30 days in France (10 October to 8 November 2026), residence India, no cancellation option, in euros. Schengen visa policies are sold and paid in euros, so every plan here is priced in euros. Silver Plan is the cheapest of the seven and carries a 30,000 EUR emergency hospital ceiling, which is exactly the Schengen visa minimum; five of the six others carry the same ceiling for more money, and only Neat's own Gold Plan goes above it. Your own premium changes with your dates: Neat prices in duration bands, not per day. On the visa-refusal line, read our Formula 1 section above before relying on it for Silver.
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 Schengen visa insurance.
Neat Silver Plan: price, certificate and claims
Yes. Silver carries €30,000 of emergency hospital cover per person and medical repatriation at actual costs, valid in every Schengen state, which is what the European visa code requires. The certificate names each traveller and the exact dates of the stay.
Yes. Silver is open to residents of the United Kingdom, Ireland and most countries worldwide, including Europeans travelling within Europe. Unlike many Schengen plans, it insures UK residents for a stay in the Schengen area, with the same €30,000 of hospital cover and repatriation at actual costs.
Yes. Silver covers stays from 1 day up to 12 months (365 days). Prices move by duration band, for example €99 for 91 to 180 days, so price your exact dates in the comparison.
From €9 for a trip of up to 3 days, €19 for up to 15 days and €29 for up to 30 days (quotes captured on 11 September 2026). The price is the same at every age up to 75, and each traveller is priced individually.
The premium is paid at subscription and the certificate shows your start date. Our form starts policies from the next day, so buy at least one day before you need the document for your file.
Call the assistance team, VYV International Assistance, before committing to any expense. They are available 24/7, approve your care, guide you to a hospital and organise repatriation if needed. Keep the case number they give you.
Yes, and that is the simplest case. If no health scheme covers you abroad, Silver reimburses your hospital costs from the first euro, after the €80 excess, up to €30,000.
Yes. Silver pays whatever your home scheme does not cover, up to €30,000, and if your scheme refuses the bill, Silver pays it once you send their refusal letter.
The Gold Plan’s guarantee table grants it explicitly, so if getting your premium back after a refusal matters to you, Gold is the safe choice for about 20% more. On Silver, ask Neat to confirm it before you buy.
Silver is enough for most short-stay visas: it gives the consulate the €30,000 it asks for at the lowest price. Gold, at exactly 20% more, raises the ceiling to €80,000 and is worth it for travellers over 65, stays of several months, or trips to Switzerland, Norway and Iceland.
Yes. Skiing and snowboarding on marked slopes are among the roughly seventy covered activities, so a hospital stay after a fall on the slopes is covered like any other. Motorised activities such as quad biking or jet skiing are covered up to €1,000.
On the trip we priced (a 34-year-old resident of India spending 30 days in France), Silver came out at €29.00, against €45.00 to €110.00 for the rival €30,000 plans we compared. Run the comparison on your own dates to see your price.
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