Is a Universalna policy accepted for a Polish visa application?

Both a Schengen type C application and a national type D application accept insurance from Universalna, an MSZ-accredited insurer whose travel policy covers EUR 30,000 to EUR 50,000 depending on the plan, along with urgent medical treatment, hospitalization, repatriation, and 24/7 assistance.

How is Universalna different from the other accredited insurers?

Universalna is a long-established, multi-line insurer on the Ukrainian market, operating since 1991, with a broad product range and an international owner, Canada's Fairfax Financial Holdings group. That gives it scale and stability, and it lets buyers choose a travel policy with coverage above the minimum, up to EUR 50,000 depending on the plan. All accredited insurers meet the same EUR 30,000 visa requirement equally, so it makes sense to choose between them by price, program terms, and ease of purchase.

Does Universalna offer karta pobytu insurance?

Universalna doesn't run a separate karta pobytu insurance program in our calculator; of the accredited insurers, only Kniazha offers that product. Anyone who needs a karta pobytu policy rather than visa insurance should set their location to “I'm abroad” in the calculator, then manually pick Kniazha from the narrowed insurer list that appears. Our dedicated karta pobytu insurance page walks through the mechanism and how it differs from visa insurance.

How much does a Universalna visa policy cost?

Once you enter your destination country, travel dates, date of birth, and purpose of travel and select Universalna among the insurers offered, the calculator returns an exact price right away. That price depends on the insured person's age, trip length, the coverage amount chosen (EUR 30,000 to EUR 50,000), and any extra options in the plan.

Who owns Universalna, and is it part of an international group?

Universalna is part of the Fairfax Financial Holdings group (Canada). Fairfax has been a shareholder since 2019 and became the sole owner in January 2025 after buying out the EBRD's stake in the group's Ukrainian holding company. For a visa this changes nothing: every MSZ-accredited insurer meets the EUR 30,000 minimum equally, and the ownership structure matters mainly to buyers who deliberately choose an insurer with an international group behind it.

Universalna Insurance for a Poland Visa

Universalna Insurance for a Poland Visa: A Policy from Universalna

Universalna's travel policy, accredited by Poland's Ministry of Foreign Affairs (MSZ) and priced to run from EUR 30,000 to EUR 50,000 depending on destination and plan, comfortably clears the minimum that both a Schengen type C visa application and a Polish national type D visa application require. Universalna has operated in Ukraine since 1991 and has been part of Canada's Fairfax Financial Holdings group since 2019, which, together with its broad multi-line business, gives it the scale and stability covered in more detail further down this page. You can buy the policy directly through the calculator on insurs.online, alongside the other accredited insurers, comparing price and terms. The company's official site, universalna.com, lists its full range of business lines and its ownership structure.

Updated: October 1, 2026

Why Universalna: 30+ Years on the Market and Part of Fairfax Financial Holdings (Canada)

Universalna is known on the Ukrainian insurance market for more than travel policies: it also writes auto insurance, property insurance, liability insurance, and several other lines of business. The company has operated since 1991 and, since 2019, has been part of the international Fairfax Financial Holdings group, headquartered in Toronto, Canada. For someone choosing an insurer for a visa policy, that has a practical meaning: rather than a niche player that showed up recently with a single product, Universalna is a large, multi-line insurer with a long track record, the scale that comes with it, and an international shareholder that adds stability. For travel insurance specifically, the company offers coverage ranging from EUR 30,000 to EUR 50,000 depending on the destination country and the plan chosen, so a buyer can pick a policy above the required minimum for extra headroom in case of expensive treatment abroad. That's not the deciding factor for most applicants, since a consulate simply checks that the EUR 30,000 minimum is met, but for anyone who wants more coverage headroom, it's a noticeable advantage. The same goes for the Fairfax group: every accredited insurer meets the EUR 30,000 visa requirement equally, so belonging to an international group does not make a policy "better" in terms of coverage, but it matters to buyers who deliberately choose an insurer with an international owner.

On ownership: Fairfax Financial Holdings Limited (Canada) is a holding company founded in 1985 that, through its subsidiaries, is engaged in property and casualty insurance and reinsurance. Fairfax has been a shareholder of Universalna since 2019, when the European Bank for Reconstruction and Development (EBRD) also took a stake in the group's Ukrainian holding company. In January 2025, Fairfax bought out the EBRD's stake, and Universalna became wholly owned by the group.

What the policy covers, how long it's valid, and how to buy it

A Universalna visa policy covers urgent medical treatment, emergency hospitalization, repatriation, and death, with a minimum sum insured of EUR 30,000 (higher plans go up to EUR 50,000) and a 24/7 assistance line. For a Schengen type C visa, that requirement comes from Article 15 of the EU Visa Code (Regulation (EC) No 810/2009); for a national type D visa, the same EUR 30,000 figure comes from Poland's own Act on Foreigners (Ustawa o cudzoziemcach). The policy is valid for the full length of the visa applied for, up to one year.

Buying a Universalna policy works through the same homepage calculator: enter your destination country, travel dates, date of birth, and purpose of travel, choose Universalna among the insurers offered, and pay online. Note that Universalna has no separate karta pobytu program in our calculator, since that product comes only from Kniazha (set your location to “I'm abroad” there, then manually select Kniazha from the narrowed list). Our dedicated karta pobytu insurance page walks through the difference in full.

Still figuring out your visa category, or heading to Poland for work specifically?

Curious where the EUR 30,000 requirement itself comes from, and why it's identical for a Schengen and a national visa? Our full breakdown covers that. And if you already know you're traveling for work, there are a few document nuances depending on your employment contract type:

Medical Insurance for a Polish Visa: Which Program to Choose for Your Task
Work Visa Insurance for Poland

Get a Universalna visa policy

The homepage calculator asks for your destination, travel dates, and purpose of travel; from the accredited insurers it lists, select Universalna. What follows by email, a policy anywhere from EUR 30,000 up to EUR 50,000 depending on the plan, is ready to submit with your visa application.

Calculate a Universalna policy

Answers to customers’ questions

Both a Schengen type C application and a national type D application accept insurance from Universalna, an MSZ-accredited insurer whose travel policy covers EUR 30,000 to EUR 50,000 depending on the plan, along with urgent medical treatment, hospitalization, repatriation, and 24/7 assistance.
Universalna is a long-established, multi-line insurer on the Ukrainian market, operating since 1991, with a broad product range and an international owner, Canada's Fairfax Financial Holdings group. That gives it scale and stability, and it lets buyers choose a travel policy with coverage above the minimum, up to EUR 50,000 depending on the plan. All accredited insurers meet the same EUR 30,000 visa requirement equally, so it makes sense to choose between them by price, program terms, and ease of purchase.
Universalna doesn't run a separate karta pobytu insurance program in our calculator; of the accredited insurers, only Kniazha offers that product. Anyone who needs a karta pobytu policy rather than visa insurance should set their location to “I'm abroad” in the calculator, then manually pick Kniazha from the narrowed insurer list that appears. Our dedicated karta pobytu insurance page walks through the mechanism and how it differs from visa insurance.
Once you enter your destination country, travel dates, date of birth, and purpose of travel and select Universalna among the insurers offered, the calculator returns an exact price right away. That price depends on the insured person's age, trip length, the coverage amount chosen (EUR 30,000 to EUR 50,000), and any extra options in the plan.
Universalna is part of the Fairfax Financial Holdings group (Canada). Fairfax has been a shareholder since 2019 and became the sole owner in January 2025 after buying out the EBRD's stake in the group's Ukrainian holding company. For a visa this changes nothing: every MSZ-accredited insurer meets the EUR 30,000 minimum equally, and the ownership structure matters mainly to buyers who deliberately choose an insurer with an international group behind it.