eu schengen travel insurance

Get Your Schengen Insurance

• Hospitalisation expenses up to 30,000€
• Assistance in the event of illness/injury and death
• Coverage in the Schengen area

Extend Your Coverage

• Hospitalisation expenses up to 60,000€
• Assistance in the event of illness/injury and death
• Coverage in the Schengen area + European Union
• Return/relocation and lodging expenses of a companion

Before traveling, please check the guidelines provided by the World Health Organization, the European Union and your local government. Important restrictions are applied to the Schengen Area and visas are likely to be limited to specific travels only. Our travel insurance policies are made to protect you against unforeseeable events, such as sudden illnesses or accidental bodily injuries. We remind you that epidemics and/or infectious diseases such as CoVid 19 are excluded from our policies.

Schengen travel insurance

Europ Assistance makes it easy for you to select and purchase your travel insurance online. Your insurance will be ready in a matter of minutes and our insurance certificates are recognized by embassies, consulates and visa centers around the world , which helps you acquire a Schengen visa for your next trip to Europe. You will immediately receive the certificate and you will be able to download it at any time in any of our six languages : English, French, Spanish, German, Russian or Chinese.

Which countries are in the Schengen area?

The Schengen area is made up of 26 countries (and 3 microstates) where travelers and residents can move freely from state to state without a passport, as there is no longer common border control between Schengen states. Travel insurance is highly suggested for all travelers, and for most countries is mandatory , as it is needed to obtain the visa to enter the Schengen area. You can obtain your visa application form from the country you plan to enter through first or the one you plan to spend the most time in. ​

The leading Schengen travel insurance provider

When you choose Europ Assistance as your Schengen visa travel insurance provider, you also get the support and expertise of 750,000 partners . If something goes wrong, not only will your medical expenses be properly reimbursed, but you will also get help from competent medical professionals at qualified medical centers, no matter where you are. During stressful situations or emergencies abroad, communicating in your native language can be a source of comfort. When such a situation occurs, you can trust that Europ Assistance will be there to help you 24/7 .

If you wish to subscribe for more than 20 people, please contact us

Travel dates

• Country of residence All travellers are from the same country of residence : Yes No

A Schengen visa is not required for your trip, however, you should still consider purchasing travel insurance. You can travel with peace of mind and are covered throughout the European Union with our Schengen Plus cover.

• Hospitalisation expenses up to  60,000€
• Coverage in the Schengen area +  European Union

Schengen Travel Insurance

Traveling to a schengen area.

• Double-check the expiration date on your passport, paying particular attention to the validity of childrens passports, whic are only valid for five years.
• Make sure your passport is valid for at least six months beyond your intended return date
• Always carry your passport with you when traveling to other countries within the Schengen Area. While there may not be any border checks at the time of your travel, officials have the authority to reinstate border controls at any time, without prior notice.

Schengen Travel Insurance of which AXA is a leading provider, covers you in all 27 Countries within the Schengen Territory that have abolished internal border controls for their citizens. The countries are:

Do I need travel insurance while traveling to Schengen Countries?

What do I receive with my Schengen travel insurance?  

What countries are covered under my axa travel plan, how can axa help with your trip to europe, how to get a travel protection quote.

Receive a  free quote  within minutes Or call us at  855-327-1441  to speak with our licensed Travel Insurance Advisors. Monday-Saturday, 8AM-7PM Central Time  

Does AXA Travel Insurance provide coverage for Schengen Visa?

AXA Gold and Platinum plans offer the necessary medical and assistance coverage in all 27 countries in the Schengen Territory.   However, the Gold and Platinum plans only provide coverage up to 60 – 90days.

What should I do if I have a medical issue while in the Schengen Area?

Please contact the local authority as soon as possible. Then contact us on the phone number given with the special conditions you receive after taking out your policy. Our helpful staff will then do all we can to resolve your issue and get you treatment or travel home, in line with the conditions of your policy. If you require assistance while traveling, call us at +1312-935-1719

The embassy states that I must get an insurance certificate with Covid protection. Is this possible?

Need Help Choosing a Plan?

Speak with one of our licensed representatives or our 24/7 multilingual Insurance advisors to find the coverage you need for your next trip. From Medical Coverage to Trip Cancellation Protection, our team of travel experts will help you choose the right coverage.

Europ Assistance: the leading Schengen travel insurance provider

Get international travel insurance from a provider you can trust.  

Europ Assistance is the world’s leading assistance and insurance company. With a network of professionals around the world, tailor-made international travel insurance offers, multilingual support and the best value for money out there, we offer you peace of mind throughout your vacation abroad.

Schengen travel insurance online Europ Assistance makes it easy for you to select and purchase your travel insurance online. Your insurance will be ready in a matter of minutes and our insurance certificates are recognized by embassies, consulates and visa centers around the world, which helps you acquire a Schengen visa for your next trip to Europe – all with a few simple clicks. Immediate certification You will immediately receive the insurance certificate by email and you will be able to download it at any time in any of our six languages (English, French, Spanish, German, Russian or Chinese) simply by connecting to the customer support area on our website.

Exactly the assistance you need As a provider of international travel insurance, we offer multilingual support from our logistics, medical and security experts around the world. During stressful situations or emergencies abroad, communicating in your native language can be a source of comfort. When such a situation occurs, you can trust that Europ Assistance will be there to help you 24/7 in whatever language you speak best, whether that is English, French or Spanish.

Travel to Europe with peace of mind When you choose Europ Assistance as your Schengen visa travel insurance provider, you also get the support and expertise of 750,000 partners. Our aim is to provide you with peace of mind during your travels. If something goes wrong, not only will your medical expenses be properly reimbursed, but you will also get help from competent medical professionals at qualified medical centers, no matter where you are.

Follow us on Facebook and Twitter to get the latest updates and information from Europ Assistance, and learn more about us on LinkedIn .

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What are the requirements for Schengen Visa Travel Insurance?

What are the requirements for schengen visa insurance.

If you’re planning a trip to or around Europe, you might need a Schengen Visa. And to both apply for and get a Schengen Visa, you’ll need to have travel insurance.

AXA offers comprehensive travel insurance online that meets all the Schengen Visa requirements. And it also offers general comprehensive coverage at the best value, which means — whether you need a visa or not — you can travel throughout the Schengen (and beyond) confidently and with peace of mind.

• What kind of travel insurance do I need to be approved for a Schengen visa?  
• What are the Schengen visa insurance requirements for a multiple-entry Schengen Visa?  
• European Parliament’s Regulations for Travel Insurance in the Schengen Area  
• What documentation do I need to provide to visa officials?  
• What insurance products does AXA offer those traveling to the Schengen Area?  
• Does AXA have a refund policy?  

What kind of travel insurance do I need to be approved for a Schengen visa?

Depending on the nature of your trip, you have a few options when it comes to Schengen Visa Travel Insurance. But whether you’re on vacation, traveling for work, visiting friends and/or family, studying, or anything in between — to be approved for a Schengen visa , your insurance is going to have to meet a number of requirements. Here’s a breakdown of what you’ll need:

• An insurance plan that’s valid for the duration of your entire time in Europe — be it a day, a year, or longer.
• Not only that, but your insurance will need to cover all the Schengen Area countries . And this is regardless of whether you plan to visit all of them or just one.
• It must cover the cost of medical expenses such as : hospitalization , emergency treatment and repatriation (in case of accident or death)
• You’ll need a minimum coverage of at least €30,000.

What are the Schengen visa insurance requirements for a multiple-entry Schengen Visa?

Multiple-entry Schengen visas allow you to make multiple trips within the Schengen zone. Applicants for visas for more than two entries will need the following:

• Proof that they have valid travel medical insurance covering only the duration of their first intended visit to receive their visa.
• However, you’ll also need to sign a document stating you understand that you need insurance for any and all future trips. But, of course, it’s best to have insurance coverage for all your planned trips ahead of time. That way you can continue your journey at any point confidently and stress-free.

If you do plan to travel to and throughout the Schengen area with multiple entries, AXA offers a comprehensive Multi-Trip coverage option too.

European Parliament’s Regulations for Travel Insurance in the Schengen Area

Above is a general overview of all the necessary requirements for obtaining a Schengen Visa. However, if you want to learn the specifics, you can see a more detailed breakdown of the above requirements in “Article 15 - Travel Medical Insurance” of the European Parliament’s Regulation (EC) No. 810/2009 , provided courtesy of the Official Journal of the European Union . You’ll find them on page 10.

What documentation do I need to provide to visa officials?

The exact documents you need to present will obviously depend on your country of destination, as well as the country you're coming from. But you’ll most likely need your passport (and/or your residency card, etc.), your itinerary, maybe a letter of invitation, something stating the purpose of your trip, and so on.

One thing you’ll need for sure, however, is a certificate proving you have Schengen travel insurance .

Fortunately, AXA provides a personalized, printable certificate online . And you can obtain it instantly once you’ve purchased your policy.

The AXA certificate meets all the Schengen visa insurance requirements of the EU (and other Schengen countries like Iceland, Norway, etc.) and is accepted by all Schengen member embassies and consulates.

What insurance products does AXA offer those traveling to the Schengen Area?

AXA offers three types of Schengen Area travel insurance options. All three meet all the requirements for obtaining a Schengen Visa. But the one that works best for you depends on your trip. They are:

• Low Cost , which starts from as little as €22/week. It covers you for medical expenses up to €30,000 in all Schengen countries and offers coverage in case of hospitalization or repatriation. This policy is best for those who want basic coverage and/or are traveling on a budget.
• Europe Travel , which costs €33/week, covers expenses of up to €100,000, and can help with a number of emergencies (such as the loss of important documents or items, search and rescue costs, and so on). An added bonus of Europe Travel is that, along with the 27 Schengen states, it also covers EU countries not in the Schengen area, San Marino, the Principalities of Andorra and Monaco, Vatican City and the United Kingdom.
• Multi-Trip , available from €328/year and perfect for those who plan to travel frequently throughout the Schengen, the EU, and the U.K. It offers the same comprehensive benefits as Europe Travel, but it also allows you multiple entries throughout your stay in the Schengen area (and beyond). This policy is perfect for those who travel regularly.

Does AXA have a refund policy?

Yes. On the off-chance that you are refused a Schengen Visa (despite having the right travel insurance), AXA will refund your fees in most circumstances. But the refund is subject to certain terms and conditions. We’ll ask that you provide official documentation explaining the reasons why your visa was refused by the relevant embassy, consulate, or visa application center.

Related topics on Schengen insurance

• What is the health insurance for Schengen visa?
• What is the minimum coverage required for a Schengen Visa?
• Is Schengen travel insurance mandatory?
• How much does Schengen travel insurance cost?
• How to book Schengen insurance online ?
• How to choose the best Schengen travel insurance online?
• Where can I get my Schengen travel insurance certificate?
• What are the warranties for Schengen travel insurance?

Will declaring pre-existing conditions when taking out travel insurance have any impact on my policy’s validity?

You will need to disclose any pre-existing conditions when taking out your insurance. AXA has made it easy for you to do so by answering a few quick and confidential questions during the quote process. This means we should be able to make sure you are covered for the conditions you have declared. If you fail to declare conditions- you may not be covered during your trip.

What happens if I give you the wrong information?

If you give the wrong information on your application-your policy may be declared void - and in some circumstances - you may face a fraud investigation. If this is discovered before you apply for your visa it could impact your application.

If I am only traveling to one country- can I buy insurance for just that place?

If you need a Schengen Visa to travel to Europe then you must obtain travel insurance that covers you in all 27 Schengen countries.

Get Schengen insurance

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Best Schengen Travel Insurance: Your Guide to Safe European Travels

Until 21/04/2024, get a 5% discount on Chapka insurance! Click here : Activate Promo Code

• Enter your trip details: type of travel, destination, dates, and number of travellers.
• All done! The discount will be automatically applied to your policy.

Europe is the most visited continent in the world, with countries like France, Italy, and Spain receiving millions of visitors a year. With exquisite cuisine and stunning cultural sites, travelling through the Schengen area is a dream for many.

It’s quite incredible that you can be conquering the Swiss Alps on Saturday, and exploring the islands of Croatia on Sunday. And that wouldn’t even scratch the surface of the breathtaking places you can explore within the Schengen area.

This is all thanks to the right of freedom of movement , which connects over 400 million European citizens. We must remind you that to obtain a Schengen visa, it is mandatory to take out travel insurance, so you’ve come to the right place!

As a digital nomad who’s travelled extensively through Europe, I always need the most complete coverage I can get for my travels. Thus, I created this guide to help you select the Schengen travel insurance policy that best suits your needs.

Schengen travel insurance: comparison in April 2024

In order to get the right insurance for your trip, and at a good price, it’s important to compare the options available. To make things easier, I’ve created several comparative tables, each suited to a specific traveller profile.

For example, are you travelling as a family? Are you a digital nomad? Or are you going on a backpacking adventure? Choosing travel insurance based on your traveller profile will allow you to get the coverage you need, without paying for coverage you don’t need!

The best Schengen travel insurance for short holidays (less than 3 months)

This guide of policies for Schengen travel insurance is based on our list of the most useful and practical insurance benefits, which you can see in the table below. But first, here’s a great discount being offered for a limited time only:

This 5% discount from Chapka is valid until 21/04/2024. Get in quick ! Click here: Activate Discount

• Fill in your info: country, coverage regions, and dates.
• Click on “Calculate Price”.
• Done! Your discount will be applied automatically.

Chapka’s most useful benefits for short holidays include:

• Extensive medical assistance at the destination
• Repatriation and early return
• Cover for loss or damage to baggage

The following table is designed to help you find the best Schengen travel insurance. All options include the most fundamental guarantees you’ll need on your short-term trip:

The best Schengen travel insurance

Travellers who come from countries without specific agreements with the Schengen zone are obliged to request travel insurance and a Schengen visa to travel through the different countries that make up this zone.

Among them are: Dominican Republic, Equatorial Guinea, Cuba, Brazil, and Ecuador.

To have this visa granted, it’s necessary to contract Schengen travel insurance that offers complete coverage for the traveller. For this reason, we’ve dedicated the following sections to sharing the best available options. Travel insurance made easy!

The best options suited to traveller profiles this year for Schengen travel insurance are:

For families travelling short-term

Are you going on a family holiday to one or more Schengen countries? This policy has been tailored for families, so you can rest assured that you and your loved ones will be covered whilst in Europe.

Until 21/04/2024, get 5% off Heymondo Insurance when you travel as a family.

If you’re seeking coverage for an adventure with the whole family, this is a great option. It offers medical assistance abroad, pharmaceutical expenses, repatriation of minors, and children’s liability.

For solo-travellers and couples travelling short-term

If you’re going on holiday to the Schengen area, you need an insurance policy that provides the right amount of coverage, at a good price. Luckily, there’s a promotional offer available now for a limited time only!

Get a 5% discount on Heymondo travel insurance valid until 21/04/2024 !

This is the ideal option for travellers exploring the world on their own or as a couple. This policy offers good value for money, has broad equipment and medical coverage, insures you during sporting activities, and even covers pre-existing conditions.

For backpackers and adventurers travelling short-term

This policy is designed for travellers who like to live on the wild side, and who plan to take part in a number of different activities and events while abroad.

Whether you’re a backpacker, or just an adrenaline junkie, you want to know you’ll be covered in any situation you find yourself in, and you certainly don’t want to miss out on the fun just because you’re uninsured!

Heymondo is the perfect insurer for adventurous travellers, and for travel to countries with high medical expenses. Its comprehensive coverage includes motor vehicle accidents and adventure sports.

Activate your coupon for a 5% discount on Heymondo, available now until 21/04/2024.

The best long-term Schengen travel insurance (over 3 months)

This section is dedicated to travellers planning a long-term trip to the Schengen area. For any long-term travel, insurance is essential. Luckily, there are many great deals on long stay travel insurance to Schengen currently available. Get in quick!

You have until the 21/04/2024 to get a 5% discount on Heymondo Insurance! Click here: Activate Discount

• Fill in your info
• Click on “Calculate Price”
• You’re ready to go! Your discount will be applied automatically.

Remember, the longer the trip, the higher the chance that something will go wrong at some point.

I’ve also created a comparative table for trips of 3 months or more. Take a look to see which policy suits your traveller profile.

For families travelling long-term

If you’re planning a family trip, I have an unmissable deal for you. This policy is tailored to families and kids, and is even being offered at an incredible discount right now!

Get a 15% Discount on Chapka Adventure for a family of 3 persons or more (valid until 21/04/2024) .

This is a great option for long-term family trips. It includes a 24-hour medical chat, repatriation and early return, and pharmaceutical expenses because access to prescription drugs is crucial when travelling with the little ones.

For solo-travellers and couples travelling long-term

Activate 5% Discount at Heymondo Insurance (valid until 21/04/2024).

If you’re ready to dive straight into your next big adventure, either solo, or with a partner, you want peace of mind.

This insurance policy is ideal for long-term trips (from 1 to 12 months), as it includes a high level of medical costs, repatriation, and it allows for renewal whilst on the road.

For backpackers and adventurers travelling long-term

With amazing opportunities for adventure tourism throughout the Schengen area, and travel between countries being so easy, it truly is a backpacker’s dream.

Europe is both vast and diverse, and you can’t possibly contemplate all the activities you’ll find yourself taking part in, so I recommend getting the broadest coverage possible. With Schengen travel insurance, you’re better safe than sorry.

If you’re an intrepid traveller who’s ready to leap into the unknown and experience the adrenalin and adventure of your next trip, this next long-term travel insurance is for you.

Until 21/04/2024, get a 5% discount on Heymondo Travel Insurance.

Perfect for backpackers, this policy includes a wide variety of high-risk activities, such as activities with undomesticated animals, jet skiing, and off-roading!

The best Schengen travel insurance for digital nomads and businesses

Here’s a great promotional offer on Schengen travel insurance. This plan was specially designed for digital nomads and businesses.

This is significant because these groups in particular are much more likely to need to make a claim while travelling. Coverage of electronic equipment is an essential benefit for any digital nomad, for example.

Get a 5% discount on Heymondo until 21/04/2024. Get in quick ! Activate Discount Here

• Fill in your trip info
• All done! The discount will be applied automatically.

Some of the most useful benefits of Hey Mondo travel insurance for digital nomads include:

• 24/7 assistance platform.
• Repatriation and early return.
• Travel expenses for a family member if you are hospitalised for over a week.

Here’s another table! This time, for digital nomads and businesses seeking Schengen travel insurance:

The best Schengen travel insurance for working holidays

Are you finally setting off on your working holiday to Europe? If you plan to work in one or more Schengen zone countries, you need Schengen travel insurance. Luckily, there are policies that are specially tailored to your needs!

Enjoy a 5% discount on Chapka Working Holiday insurance (valid until 21/04/2024 ) Click Here: Activate Discount

• Done! The discount will be applied automatically.

The most useful benefits that Cap Working Holiday gives those working abroad include:

• Coverage during short trips to your home country.
• Medical expenses and hospitalisation abroad covered at 100%.
• This policy is renewable abroad, in case you decide to extend your stay.

Here’s a table for those seeking Schengen travel insurance for their working holiday:

Best annual travel insurance to the Schengen area

Will you be travelling to the Schengen area on more than one occasion this year? If so, here’s an annual insurance plan that can help you save both time and money.

Annual insurance is essential for frequent travellers. This package insures you for all the trips you take in a year, so you can save time and money on insurance. Each trip under 60 days will include cancellation coverage and a 24-hour assistance platform.

Activate a 5% Discount on Heymondo Annual Multi-trip, only valid until 21/04/2024.

In my experience using annual travel insurance, there are some essential benefits you should look for when taking out Schengen travel insurance:

• Strong coverage for medical expenses
• Covid-19 cover
• Luggage theft or damage
• Trip cancellation cover

Best Schengen travel insurance for students abroad

Are you going to study abroad at a university within the Schengen zone? When studying overseas, it’s a good idea to pick an insurance policy specifically suited to the needs of students. Take a look at this great deal on students’ travel insurance:

Chapka Student is perfect for students heading abroad. This policy is especially useful for students studying in countries with high medical costs, such as the USA, Canada, Australia, New Zealand and Japan.

Get a 5% discount on Cap Student in April 2024:

• Click here: Activate Discount
• Fill in your trip info (country of residence, travel dates, type of insurance).
• Click on “Calculate your Insurance”.

Cap Student also covers travel and accommodation costs for a family member to visit you if you are hospitalised for 2 days or more:

• Chronic, pre-existing or congenital conditions.
• Dental expenses.
• Personal injury from motor vehicle accidents.

Useful tips for travelling to Schengen at the best price in 2024

Prices in Europe, and especially the Schengen area, can be expensive, but after all my research and first-hand experience, I’ve compiled some travelling hacks! They take a little effort, but trust me, it’s worth it!

There are countless ways to make your travels cheaper. Choosing insurance that is tailored to your needs is vital, but remember that flights, accommodation, the card you use, and how you book your activities are crucial factors as well.

Here are a few tricks I’ve learned over the years, they’ll help you save money on your travels, so you can focus on the things you enjoy about travelling. If you follow these tips, you might just find that by the end of your trip, you have enough money left over to explore an extra destination on your route home. Imagine that!

Fly at reduced prices!

You know, flights don’t cost the same from all countries! To pay for my cheapest flights, I use NordVPN.

Basically, it’s a private network that allows you to access Internet sites from locations other than your own, and this can have some serious benefits:

In April 2024, enjoy a 59% discount on NordVPN. Click here to activate your discount

Flights from Barcelona to Buenos Aires don’t cost the same if you buy them from Spain as from India, for example. So, once you’ve installed NordVPN, simply access websites like Skyscanner and compare prices by entering as if you were browsing from different countries.

The 8 countries from which it is cheapest to buy flights are: Malaysia, Bulgaria, India, Turkey, Romania, Indonesia, Portugal, and Thailand. Once you have NordVPN, head over to Skyscanner and start paying reduced prices for flights all over the world!

Stay at a discount all year round

Access Booking.com now and get discounts of up to 15% in April 2024 by becoming a Genius user.

There are also ways to save money when booking your accommodation with Booking. The first of which is becoming a Genius user, something you get from making 2 bookings (Genius level 1), and 5 bookings (Genius level 2).

As a Genius user in Booking.com, you can enjoy:

• Discounts on room rates.
• Free breakfast.
• Upgrades to superior room categories.
• Free parking.
• Late check-out.
• Welcome gifts.

In addition, there are hotels in Booking.com that directly offer you a 10 to 15% discount on your rate for being a Genius user.

Access to get discounts of up to 15% by becoming a Genius user.

Finally, Booking.com has a Minimum Price Guarantee program, so if you find a cheaper price for your hotel on any other website, they’ll match it!

Get the best travel card

If you travel frequently, the Revolut Metal Card is another great way to save money. For starters, they offer you unlimited currency exchanges without paying any fees!

The Revolut Metal Card allows you to make unlimited domestic transfers free of charge, and withdraw up to £800 a month from international ATMs.

If you spent £650 abroad in a month using a standard card, and withdrew £350 at ATMs, you would have paid around £44 in fees.

With the Revolut Metal card, you would have paid £0 in fees.

Reserve your entertainment and sightseeing in advance

GetYourGuide is an indispensable tool for organising any trip to any destination. It’s a platform that helps you book tourism and leisure activities for your trip.

With GetYourGuide, you can book your activities online to avoid queues, and take advantage of a discount for online bookings. This way, you save time and money, so you can enjoy more activities during your trip!

Is Schengen travel insurance mandatory?

Yes. According to a Regulation of the European Parliament , it is necessary to take out Schengen travel insurance if you live outside its economic zone and wish to visit one or more of the countries that comprise the Schengen.

This Regulation was adopted by the European Parliament and the Council on July 13, 2009, and entered into force on April 5, 2010.

Schengen travel insurance can be defined as medical insurance that offers a set of very specific coverages for tourists travelling to any country in the Schengen area.

Schengen travel insurance: what are the requirements for a Schengen visa?

Travel insurance to enter the Schengen area must meet the following requirements:

• Minimum coverage of €30,000. It must extend the entire duration of your trip.
• Covers expenses related to repatriation, emergency medical care, and emergency treatment or death in hospital.
• Cover all countries within the Schengen area.

Does the insurance policy have to cover all Schengen countries?

Yes, your travel insurance must cover all Schengen member states. For those who visit the Schengen area, they will see that the region is like a single country, as it offers freedom of movement.

For example, when travelling to the Schengen area, you will only receive the stamp on your passport from the country of arrival, and the country of departure.

The countries that form part of the Schengen area are: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland, and Liechtenstein.

Read more: Best travel insurance to Europe

So, travel insurance is a fundamental requirement to obtain a Schengen visa, which allows travellers to move freely throughout the Schengen area, if their country of residence does not have a specific agreement with a Schengen country.

What should Schengen travel insurance cover?

Aside from the Schengen visa requirements listed above, there are a number of other benefits that your Schengen travel insurance should cover. This is to ensure that you are covered for any unforeseen events during your trip.

• Medical expenses: the insurer must cover your medical expenses if you get sick or have an accident in Europe.
• Lost luggage: can be reimbursed in case of loss, or theft of luggage, personal belongings, or travel documents.
• Flight cancellations and delays: if you experience flight cancellations or delays, you will be entitled to a refund.
• Medical emergency (accident or illness) in the Schengen area.
• Repatriation or funeral expenses abroad.
• Delayed baggage (and emergency replacement of essentials).
• Travel delays due to weather.

It’s always a good idea to read the full policy when contracting Schengen travel insurance, as insurance providers typically offer additional services that may affect the price, depending on the insurance plan, and the destination you choose.

You want to avoid paying for coverage you don’t need!

Keep in mind that insurers generally cover pregnancy expenses, however, most only provide cover if the trip occurs during the first 3 months of pregnancy. Make sure you contact your insurance company if you have any questions.

Is the European Health Card valid throughout the Schengen area?

The European Health Card or TSE is valid throughout the Schengen area, but you should know that it does not have extensive coverage, such as repatriation or private health care.

For this reason, I strongly recommend that you take out a travel insurance policy that offers the right coverage based on your needs as a traveller.

Remember, the Schengen area is large and diverse, so there’s no foreseeing exactly which places you’ll end up visiting, or what activities you’ll take part in.

How do I choose the right Schengen travel insurance?

Here are a few tips that I’ve gathered from my experiences travelling through the Schengen zone:

Firstly, your itinerary. Select one of two options:

• A simple round-trip, with certain dates and scheduled destinations.
• A trip with multiple destinations, common among backpackers and digital nomads travelling to different destinations in the same year.

Check all the details:

Make sure that the coverage is correct and that it is consistent with the activities you plan to take part in. For example, if you are going to practice extreme sports, it is essential that the policy have sports coverage.

In addition, it is important to check:

• Pre-existing medical conditions
• Natural disaster coverage
• High-risk sports

If you have a pre-existing condition, such as a chronic disease or allergies, it’s essential to keep a medical record from your doctor. This must contain:

• Summary of all the details of your current state of health
• Medications that you take
• Any other aspect that you consider necessary

Where to buy Schengen travel insurance?

Buying Schengen travel insurance is a basic process, and after reading our post, most of the hard work is done, as you already have at hand the best options on the insurance market!

Check out their websites and discover the prices for each of their insurance options for the Schengen area. Once you’ve obtained your travel insurance, and your Schengen visa, you’ll be ready to head out on your big European adventure!

Cheap Schengen travel insurance

If you’re a non-Schengen resident, then finding good value-for-money travel insurance to Schengen is a priority. That’s why it’s important to compare travel insurance and look for discounts to find the cheapest options in relation to their coverage.

Finding cheap Schengen travel insurance that covers all your needs requires a lot of online research, but you can save a lot, so it’ll be worth it in the end!

The biggest factors that will affect the ultimate price of your Schengen travel insurance include: the type of trip you’re taking, the number of travellers contracting together, and travel dates.

How to take out Schengen travel insurance

Here is a step-by-step guide on how to contract your travel insurance to Schengen zone countries:

The websites of the insurance companies I’ve mentioned are straightforward and intuitive, so don’t worry!

• Go to the website of the insurer of your choice and click on the insurance plan that you want to contract.
• Once you have selected the insurance, you will see a “Contract” button, or something similar. Click to start the contracting process.
• Once there, you will need to fill in your trip details. Firstly, the duration of the trip. Remember to check the policy’s renewal terms, for trips lasting longer than 12 months. Secondly, the number of travellers. Finally, the countries you will be visiting. For travel to the Schengen zone, select the option that says either, “Europe,” or “World excluding US/Canada.”
• Fill in the details of each traveller and add a supplement if necessary. This is usually the cancellation or adventure sports option.
• Read the insurance conditions carefully, and that’s it. You now have your Schengen travel insurance!

Is the Schengen area a safe place to travel?

Of course there are dangerous places within the Schengen area, but in general, it’s very safe. Your biggest concern in terms of safety is protecting your personal belongings, as petty crime is common in virtually every big European city.

Just remember to keep your valuables tightly secured when you have them on your person or in a bag.

If you have further questions about travelling through Europe, you can always refer to the official website of the European Commission .

My final pro-tip: when searching for the Schengen travel insurance, remember that not all cheap policies offer low-quality services, and not all expensive plans will offer the coverage you need. Have a great trip! ✈️

Michaël Louis

I am a digital nomad with a passion for new technologies and travel. We created Planet Nomad to help you on your way to geographical freedom: digital nomadism and online entrepreneurship.

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5 Tips for Buying Schengen Visa Travel Insurance

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Table of Contents

1. Decide which type of insurance you’d like

2. get multiple quotes, 3. use this as an opportunity to maximize credit card bonus points, 4. double-check the policy before purchasing, 5. consider using a credit card that provides trip insurance instead of buying a new policy, if you’re looking to buy travel insurance for a schengen visa.

Travel insurance can be a very important accompaniment to your trip, especially when you’re traveling throughout multiple countries. Europe is a prime example of this, where the border-free Schengen zone allows you to traverse multiple countries without passing passport control. Finding Schengen visa travel insurance isn’t always simple, however, and you’ll want to ensure that you have coverage regardless of your location.

There are plenty of things to think about before buying travel insurance when traveling throughout Europe, including: the coverage you’re looking for, how you’ll be paying and whether your credit card already offers insurance.

Let’s take a look at Schengen travel insurance and five easy tips for making sure you’re good to go — no matter where you travel within the region.

Although there aren’t generally any Schengen visa travel insurance requirements, there are multiple types of travel insurance coverage available depending on your needs. Consider carefully the type of coverage you’re looking for. Common types includes:

Travel medical insurance .

Trip interruption insurance .

Cancel for any reason insurance .

Trip cancellation insurance .

Lost luggage insurance .

Rental car insurance .

Accidental death insurance .

Emergency evacuation insurance.

Note that the U.K. left the Schengen zone a few years ago, so you’ll want to double-check whether coverage in the U.K. is valid for your travel insurance policy.

» Learn more: Is travel insurance worth it?

It’s always in your best interest to get multiple quotes before purchasing insurance. The amount you’ll pay will be heavily dependent on the type of coverage you receive, its length and any deductibles that you may have.

Cancel For Any Reason insurance, or CFAR, allows you to recoup most or all of your nonrefundable costs — no matter why you’ve chosen not to travel.

There are plenty of different websites that’ll allow you to compare different insurance plans such as TravelInsurance.com or SquareMouth.com (a NerdWallet partner), which will gather together multiple quotes in one easy search.

There are several details you’ll need to have on hand when looking for quotes. These include:

The total cost of your trip.

Your destination.

Your dates of travel.

The number of travelers.

The age of travelers.

Where you live.

When you booked your trip.

Once you’ve got all your information gathered together, it’s simple to find a policy that fits your need for travel insurance in the Schengen zone on one of the comparison websites.

» Learn more: What is travel insurance?

If you’re planning a vacation to Europe, hopefully you’ve already acquired a travel credit card or two. However, cards that focus on travel rewards won’t necessarily optimize insurance purchases.

» Learn more: How to choose a credit card for Europe travel

In this case, you’ll want to double down on rewards with a card that’ll maximize everyday spend. These cards will give you bonus points on all purchases, no matter their category. Great options for this include:

Capital One Venture Rewards Credit Card : Earn 2x Capital One Miles per dollar spent on all purchases.

Citi Double Cash® Card : Earn 2% cash back in the form of Citi ThankYou points on all purchases: 1% when you make your purchase and another 1% when you pay your bill. Plus, through the end of 2024, cardholders can get 5% cash back on hotel, car rentals and attractions booked through the Citi Travel portal .

Chase Freedom Unlimited® : Typically earn 1.5% cash back on all non-bonus category purchases.

The Blue Business® Plus Credit Card from American Express : Earn 2 American Express Membership Rewards on the first $50,000 in purchases each year. Terms apply.

Pair your Chase Freedom Unlimited® card with a Chase Sapphire Preferred® Card card or Chase Sapphire Reserve® card to unlock the full suite of Chase Ultimate Rewards® transfer partners. This strategy is sometimes referred to as the Chase Trifecta .

While you likely won’t be earning a ton of points for your travel insurance purchase (unless your costs are exorbitantly high), maximizing your earnings is always a good idea. Don’t leave money on the table.

» Learn more: The best travel insurance companies

Not all travel insurance policies are created equal. This is probably no great revelation, but it’s definitely something of which you’ll want to be aware.

This is especially pertinent when it comes to the current travel climate in the COVID-19 era. While you may purchase a health insurance plan that covers most medical costs, it may specifically exclude those incurred by COVID-19. And even if it does reimburse you for any hospital costs, it may not pay for a forced quarantine in the event of illness.

These are things you’ll want to check for when buying travel insurance for any trip. Be sure to read the terms and conditions of your policy carefully, and if there’s very specific coverage you’re looking for (such as that offering protection in the event you catch COVID-19), you can often use search filters to narrow down your options.

» Learn more: Is there travel insurance that covers COVID quarantine?

One great feature of travel credit cards is the complimentary trip insurance they often provide. In order for your trip to be eligible for coverage, you’ll need to use the card to pay for your trip. In exchange, however, you can receive some pretty powerful benefits without needing to pay out of pocket.

The Chase Sapphire Preferred® Card card, for example, provides primary rental car insurance. This means that when you decline the insurance offered at the counter, your entire rental will be covered against collision up to the actual value of the rental car.

What’s most powerful about this feature is that, as primary, it comes before your own personal insurance — possibly saving you expensive premium jumps and claims on your policy.

Other cards that include powerful travel insurance protection such as interruption, cancellation or baggage coverage include The Platinum Card® from American Express and the Chase Sapphire Reserve® card. Terms apply.

» Learn more: The cheapest flights to Europe on points

It makes sense to purchase travel insurance in many circumstances, especially with the uncertainty in today’s travel world. Take advantage of these five tips to make sure you’re properly prepared for your trip — whether you’re heading to France, Finland or any of the over two dozen Schengen countries.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Schengen Visa Travel Insurance (2024 Guide)

Josh Lew is a travel journalist and writer based in the midwestern U.S. He has been active for the past decade, covering airlines, international destinations and ecotourism for sites like TravelPulse and TreeHugger. He currently contributes to content writing agency World Words.

Sabrina Lopez is an editor with over six years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she is not working on articles to help consumers make informed decisions, Sabrina enjoys creative writing and spending time with her family and their two parrots.

The Schengen area is an alliance of 27 European countries that allows border-free travel. It covers most of mainland Europe, including 23 European Union countries and four members of the European Free Trade Alliance.

Travel insurance is a requirement for the Schengen visa application process. You need at least €30,000 (US$32,800) in coverage in case you need medical attention during your stay in Europe, and you have to purchase coverage and obtain a certificate showing insurance to include with your visa application. Read on to learn more about the unique requirements of a Schengen visa and the role travel insurance plays in the application process.

Which Insurance Provider is Best for Schengen Visa?

Use the table below to compare the top recommended choice for travel insurance for a Schengen visa.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

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Is Insurance Required for a Schengen Visa?

With a few exceptions, travelers from the U.S. do not need a visa for the Schengen area if staying for 90 days or less. Americans visiting for over three months, permanent residents without citizenship and foreign nationals traveling from the U.S. will need a Schengen visa if they are citizens of a country without a visa-free arrangement with Schengen countries.

The countries in the Schengen area are: Austria, Belgium, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovenia, Slovakia,  Spain, Sweden and Switzerland. Bulgaria, Cyprus, Ireland and Romania are currently not Schengen countries.

Travelers from the U.S., Canada, and other visa-exempt countries only have to go through immigration and customs in the first country they visit in the Schengen zone. After that, they can travel to any other nation in the alliance without taking out their passport. For instance, you can fly, drive or take a train from Sweden all the way to Spain on the same visa.

Citizens from visa-exempt countries like the U.S. don’t need a visa or travel insurance to visit Europe. However, because of the high price of healthcare in Europe, travel insurance is still a good idea for visa-free travelers. But note that if you have to visit with a Schengen visa, you need to meet specific health insurance mandates.

Schengen visa holders must have comprehensive health insurance coverage. It should last for the length of their stay in the area (but does not need to cover the duration of the visa).

When you apply for a Schengen visa at the consulate or embassy of the country you plan to visit first or spend most of your time in, they will explain the specifics of the travel insurance requirements. You will need proof of a travel insurance plan for visa approval.

Schengen Visa Insurance Requirements

Schengen visa applicants need travel medical insurance . However, the policy must have specific features and minimum limits for medical coverage and medical evacuation.

Here is a closer look at the requirements for Schengen visa eligibility.

• Medical emergency insurance
• Repatriation coverage for death
• Medical evacuation insurance if you need long-term care in your home country
• Coverage limits of at least €30,000 (US$32,000)
• Coverage lasting for the entire length of your stay in the Schengen area

The purpose of these requirements is to ensure you can pay for medical treatment without requiring assistance from your host country’s healthcare system.

You need a document from your travel insurance company as proof that you have a visa-compliant policy. This insurance certificate shows that you have met the minimum requirements. It is a vital part of your visa application, and you won’t gain approval without it.

Types of Travel Insurance Policies

Schengen visa insurance plans focus on medical expenses, but travel policies can also offer other protections. Comprehensive travel insurance covers additional risks, including those related to cancellations and delays.

Here is a look at the different travel insurance coverages.

• Medical, evacuation and repatriation coverage is required for visa approval.
• Trip cancellation insurance provides reimbursement if your trip gets canceled due to covered reasons, such as an unexpected illness or injury or a crisis or disaster in your European destination.
• Trip delay and interruption coverages pay for expenses related to delays or incidents that cancel your journey earlier than planned.
• Baggage delay or loss reimburses you for missing items so that you can replace necessities and continue your travels.
• Add-ons to standard policies may include rental car insurance, pre-existing condition coverage and insurance for exclusions from standard insurance like scuba diving or climbing.

Schengen visa applicants can purchase travel insurance with comprehensive coverage to protect the non-medical aspects of their trip. International travel can be expensive, so cancellation insurance and other protections available through a complete travel policy can save you from frustration and financial loss.

Choosing the Right Schengen Visa Insurance

There are several factors to consider when selecting travel insurance.

• Coverage limits are the maximums that the insurer will pay for each claim type. Schengen visas require €30,000 (about $32,800) in medical emergency, evacuation, and repatriation insurance, but you can get a policy with higher limits if you wish.
• Pre-existing conditions are another important factor. Insurers may or may not cover them on a standard policy, but those that do not provide coverage directly may sell waivers that add coverage for your conditions.
• Deductibles are another factor to consider. This amount is an out-of-pocket payment you have to make before the insurer takes over payment. Some low-cost policies have high deductibles.

Finally, you should always get insurance with a reputable company that can provide the necessary documentation for your visa application.

Here are six reputable insurers to consider.

• Travelex offers budget and mid-range plans for international travelers. You can opt for both medical and trip cancellation coverage.
• Trawick International travel insurance offers stand-alone medical and cancellation policies, so you can opt for minimum requirements for your Schengen visa if you wish.
• AIG Travel Guard offers several tiers of travel insurance, all of which offer comprehensive coverage and provide optional add-ons.
• Seven Corners has customizable travel plans that include medical emergency, evacuation, and repatriation coverage necessary for a Schengen visa
• IMG offers stand-alone medical insurance policies and separate plans providing cancellation, lost baggage and delay benefits.

Use our insurance comparison tool to find the prices and coverage details for each of these insurance providers.

Applying for Schengen Visa with Travel Insurance

You apply for a Schengen visa at the consulate or embassy of the country you intend to travel to first or spend most of your time during your stay.

You must purchase a policy that covers the entire duration of your stay and is valid throughout the Schengen area, not just in the countries you plan to visit.

You need proof of insurance to include with the rest of application documents when applying for the visa. This means you need to purchase the insurance before submitting your application. You should only choose insurance companies able to provide the necessary documentation to include with your application.

Additional Expert Tips

There are some other considerations for Schengen visa insurance.

First, you should make copies of your insurance card, policy documents and other information and bring them with you on your trip.

Second, regulations require that you have coverage for the entire duration of your stay. If you have a multi-trip visa, you will need insurance that provides benefits for the entire stay. The best option in these cases is to get an annual or multi-trip policy that meets visa requirements for coverage types and limits.

Before leaving, you should perform a thorough policy review to ensure you have the appropriate coverage. You can consider the potential costs of medical care in your host countries and decide if the coverage you have is sufficient.

Frequently Asked Questions About Schengen Visa Insurance

Do you need travel insurance to visit schengen countries.

Travelers from visa-exempt countries can visit Europe without insurance, though they would not be protected from medical expenses or cancellations. However, those requiring a Schengen visa need €30,000 worth of medical coverage for approval.

Is Schengen travel insurance refundable?

You would be able to cancel your insurance if your visa application is not approved. Most companies will allow you to cancel the policy and get a full refund if you show evidence that your visa application was not approved.

Does travel insurance cover all of Europe?

Travel insurance for a Schengen visa must cover all 27 countries. However, some travel insurers may require that you specify all the countries you plan to visit to get comprehensive coverage.

What are the benefits of Schengen visa insurance?

In addition to being a requirement for the visa application process, Schengen insurance will cover medical costs if you get sick or suffer an injury during your Europe travel experiences. While travel health insurance is the only necessary policy component for the visa application, you can get additional benefits by purchasing a comprehensive policy.

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What Is Schengen Travel Insurance?

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https://money.com/what-is-schengen-travel-insurance/

Quick answer

Schengen travel insurance is a specific type of travel insurance policy tailored to meet the travel medical coverage requirements set by the 27 (soon to be 29) European destinations within the Schengen Area. Travelers must present proof of sufficient coverage as part of the Schengen visa application process.

Read on to learn more about Schengen visa travel insurance requirements and find the best travel insurance policy for your upcoming trip.

Table of contents

What is schengen travel insurance, schengen countries, visa and travel insurance requirements for the schengen area, key coverages in schengen travel insurance, how to get schengen travel insurance, schengen travel insurance faqs, summary of money's guide to schengen travel insurance.

Schengen travel insurance is designed for travelers entering the Schengen zone, which comprises 27 (soon to be 29) European nations that have abolished internal borders.

Many visitors, including citizens from non-E.U. countries like India and China, must obtain a travel visa to enter the Schengen Area. And a requirement for a Schengen Visa is to have insurance covering at least €30,000 (around $32,720) in medical costs.

However, there are exemptions. For example, U.S. citizens and residents of countries such as Canada, Brazil and Mexico don't need a Schengen visa or travel insurance for stays of up to 90 days within a 180-day period.

The Schengen Area consists of a diverse tapestry of countries. Among the member nations are some of the best places to visit in Europe , including France, Italy, Germany, Spain, Greece and the Netherlands.

Here's the complete list:

Bulgaria (as of March, 2024)

Romania (as of March, 2024)

Czech Republic

Liechtenstein

Switzerland

Netherlands

Source: U.S. Department of State, Bureau of Consular Affairs

Ireland and Cyprus are the only E.U. member states not currently part of the Schengen Agreement.

Having a valid U.S. passport allows you to spend up to 90 days within a 180-day period in the Schengen Area, whether for tourism or business purposes.

Once officially admitted, you can travel freely within the member countries without passing through customs each time. Stays under 90 days don't require a visa for U.S. nationals, but your passport should be valid for at least six months past your travel dates.

Short stays don't require travel medical insurance either, though travel insurance may still be worth it . That could be especially true if you plan to participate in adventure sports or other high-risk activities.

Travel insurance generally also covers cancellations and delays. Purchasing a policy could pay off if you've booked expensive, non-refundable flights or accommodations and didn't purchase them with one of the best travel credit cards that offer insurance.

European Travel Information and Authorisation System (ETIAS)

Travel requirements for European Union countries are projected to change by mid-2025. Visa-exempt travelers to all 27 (soon to be 29) Schengen countries and Cyprus will need an ETIAS authorization.

Here's what you need to know:

• You must complete an online application and pay a small fee for an ETIAS authorization.
• The authorization is tied to your passport and is valid for three years or until your passport expires.
• With a valid travel authorization, you can enter 30 European countries for short stays of up to 90 days within a 180-day period.
• ETIAS authorization does not guarantee entry into any of these countries. You still have to present your passport and documents at the border.
• The above applies to people from the U.S., Canada and dozens of other countries, so check the E.U.’s official travel website or your country’s embassy for more information. An ETIAS is not a visa and doesn't mandate travel medical insurance.

Schengen visa requirements

You'll need a visa if you’re from a visa-exempt country, like the U.S., and planning to stay in the Schengen Area beyond the 90-day threshold. Regardless of the length of the stay, nationals traveling from certain countries always require a visa.

Determine which Schengen country you'll spend most of your time in and check with their official tourism or embassy website for instructions on applying for a visa. The embassy will inform you about the required documentation and instructions to meet their regulations.

Schengen visa processing time can vary depending on your country of origin and your destination country, so be sure to start the process as early as possible.

Besides the application form, the following are required to obtain a Schengen visa:

• Valid passport: Your passport must be valid for at least three months after departure.
• Passport photo: You must submit a picture of yourself that complies with the International Civil Aviation Organisation (ICAO) standards.
• Travel medical insurance: You must carry at least €30,000 (approximately $32,720) in coverage for medical emergencies, hospitalization and repatriation that's valid in the entire Schengen Area for the duration of your stay.
• Documentation: You must provide evidence of the purpose of your visit through supporting documentation, demonstrate you have the financial means to cover expenses and accommodations and show intent to return to your home country after the stay.
• Fingerprints: Most, but not all, applicants will be required to submit their fingerprints along with their application.

Consulates of particular countries may require additional documentation.

Understanding what travel insurance covers can help you plan a worry-free journey. While plans and coverage options vary by company, here's a breakdown of what Schengen travel insurance generally covers.

• Medical expenses: Travel medical insurance covers the cost of treating unexpected illnesses or injuries you suffer during your trip, up to your policy limits. These include the cost of medications, hospitalization and other essential medical treatments.
• Medical repatriation: Some travel medical policies also include emergency medical evacuation or repatriation, which covers some of the costs of transporting you back home or to a different medical facility to receive necessary medical treatment.
• Repatriation of remains: As the name suggests, this coverage will pay (up to your policy limits) for expenses related to transporting your body or cremated remains to your home country or point of origin.
• 24/7 Travel Assistance: Travel insurance companies generally offer round-the-clock assistance services, including language support, help recovering lost passports or prescriptions and even booking accommodations and medical transportation.

Note that some companies may require you to meet a deductible for the travel medical plan to start paying out.

Other travel-related coverage options

Most travel insurers sell policies covering medical emergencies and travel-related inconveniences such as delays, cancellations, lost luggage, and more. While you don't need these coverage options to obtain a Schengen visa, you may still find them worthwhile.

• Trip cancellation and trip interruption: Covers non-refundable expenses if you need to cancel or cut your trip short due to unforeseen events like illness or accidents.
• Baggage loss or delay: Helps cover the cost of replacing essential items if your baggage is lost or delayed by a specified number of hours.
• Delayed flights and missed connections: Provides compensation for additional expenses caused by inconveniences such as delays or missed connections.

It's easy to buy travel insurance for your Schengen Area trip. Many providers offer policies that fulfill the visa requirement and include additional coverage that can be tailored to your needs.

Here are some steps to help you get the right coverage.

1. Research reputable travel insurance providers

Most travel insurers bundle travel medical insurance coverage with trip cancellation, interruption, and other coverage options. If you only want to satisfy Schengen visa requirements, look for a provider that explicitly markets Schengen travel insurance or offers stand-alone travel medical coverage.

2. Select a plan that meets your needs and get a quote

Remember that you may not need trip insurance beyond the €30,000 in travel medical coverage required for a Schengen visa, so read plan details carefully to avoid buying unnecessary coverage.

It also pays to shop around and get quotes from several insurers, as travel insurance costs between 3% and 14% of the total cost of your trip, depending on the company and policy you choose.

3. Read your policy details

When shopping for travel insurance online, you'll typically find that most companies include a policy summary or schedule. This document outlines critical details such as the policy's coverage limits and exclusions. Carefully reading it can help you avoid surprises and frustration if you ever need to file a claim.

If you still have questions after reading the policy summary, contact the insurer before finalizing your purchase.

4. Get to know the claims process

Similarly, reading about your insurance provider's claims process can save you time and energy in an emergency. Your policy summary should include a list of documents you'll be required to provide as part of the claims process, which may include receipts and medical bills.

After a covered incident, contact your insurer through the company's website or mobile app as soon as possible. Most insurers also offer travel assistance services around the clock.

5. Purchase and safeguard your policy

You will need proof of your travel medical insurance plan to apply for a Schengen visa. Keep your insurance certificate in a secure yet accessible location, whether a digital version on your smartphone or a physical printout in your travel folder.

It may also be a good idea to share a copy of your policy with a trusted friend or family member back home so they can contact your insurance provider if you cannot request medical assistance due to an emergency.

Should I get travel insurance for Europe?

Travel insurance, especially within the Schengen Area, is not just recommended but often mandatory. To obtain a visa to visit the Schengen zone, you must show proof of having sufficient travel medical insurance.

How much travel insurance do I need for Europe?

What countries does europe travel insurance cover.

• The first step before you travel to any Schengen country is to determine whether you need a visa and, therefore, mandatory travel medical insurance for a Schengen visa.
• Check with your country’s embassy, Department of Foreign Affairs or the tourism website of the country you plan to visit for specifics about medical travel insurance for Schengen visa requirements.
• You don't need a visa or international travel insurance if you have a valid U.S. passport and are visiting the Schengen zone for less than 90 days in a 180-day period.
• If you’re a U.S. national planning to visit the Schengen Area for more than 90 days, you must apply for a visa and secure adequate travel health insurance (at least €30,000 in travel medical and repatriation coverage).

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Schengen Travel Insurance: Requirements 2023

Last Updated : 15 Apr 2024

Last Updated : 15 Apr 2024 at

30-Second Summary

Travel health insurance for Schengen visas is a mandatory requirement, providing coverage for medical emergencies during your Schengen Area visit.

These are the Schengen EU travel insurance requirements:

Minimum medical coverage of €30,000 (approximately $32,200 USD as of November 2023).

Coverage must extend to all Schengen Area member states.

Includes expenses for medical repatriation, urgent medical attention, emergency hospital treatment, and repatriation in case of death.

Travelers to Europe should be able to handle and pay for medical care in the event of an accident, injury, or other unexpected incidents.

Having travel insurance to cover unforeseen expenses that emerge while traveling has been shown to provide financial support and comfort, allowing travelers to continue their adventure without worry.

What is Schengen Travel Insurance?

Schengen travel insurance is a type of insurance coverage that is mandatory for travelers who need to obtain a Schengen visa for Schengen areas , which encompasses 27 European countries.

It's designed to provide financial protection and access to healthcare services in case of unexpected events during your trip.

The following is an excerpt from “Regulation (EC) No 810/2009 of the European Parliament and of the Council of July 13 2009,” which became effective on April 5, 2010:

“… Applicants for a uniform visa for one or two entries shall prove that they are in possession of adequate and valid travel medical insurance to cover any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention, and/or emergency hospital treatment or death, during their stay(s) on the territory of the Member States. The insurance shall be valid throughout the territory of the Schengen Area Member States and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30,000” (…)

Who Is Required To Purchase European Travel Health Insurance?

Travel insurance for Schengen visa is required for tourists, business travelers, visitors, students, researchers, and anyone applying for a Schengen visa. Failure to have the required insurance may result in visa rejection or entry denial .

Visa-free travelers from eligible countries do not require a Schengen visa to visit Schengen Area countries for short stays (typically up to 90 days within a 180-day period ). However, they ares still encouraged to have Schengen travel insurance.

Why Is It Required?

Schengen travel insurance is a visa requirement for most travelers visiting the Schengen Area.

It ensures that you have adequate coverage for any medical emergencies or unexpected situations, thereby reducing the burden on the host country's healthcare system.

Benefits of Schengen Travel Insurance

Having Schengen travel insurance offers numerous advantages, including:

Peace of mind knowing you're financially protected.

Access to quality healthcare services.

In some cases, assistance in case of trip cancellations, delays, or lost luggage.

Schengen Visa Insurance Requirements

For the Schengen visa medical insurance must meet the following requirements :

Minimum Coverage Amount: Travelers are required to have Schengen visa insurance with a minimum coverage amount of €30,000. This coverage amount ensures that you are financially protected in case of medical emergencies, accidents, or other unexpected events during your stay in the Schengen Area.

Coverage Validity: The insurance coverage must be valid for the entire duration of your intended stay within the Schengen Area. It should start from the date of your entry into the Schengen Zone and end on the date of your planned departure.

Comprehensive Coverage: The insurance policy should offer comprehensive coverage, including emergency medical expenses, hospitalization, medication, and emergency medical transportation. It should also cover repatriation, which involves the cost of returning the insured person to their home country in case of a severe medical condition or fatality.

Coverage for Trip Cancellations and Delays: Schengen visa insurance should provide compensation for non-refundable expenses in case your trip is canceled or delayed due to covered reasons, such as illness or unforeseen events.

Exclusions and Pre-existing Conditions: It's essential to review the policy's terms and conditions to understand any exclusions or limitations, especially regarding pre-existing medical conditions. Most standard Schengen travel insurance policies do not cover pre-existing medical conditions, but some providers offer options to include coverage for pre-existing conditions for an additional fee.

Insurance Provider Information: When you submit your Schengen visa application, you must include documentation proving that you have purchased a valid Schengen visa insurance policy. This typically includes a copy of the insurance policy itself and a certificate or letter from the insurance provider confirming your coverage.

Schengen Countries Covered: Ensure that the Schengen visa insurance policy covers all the Schengen countries you plan to visit during your trip.

Renewability: If your stay in the Schengen Area extends beyond your initial visa period, it's important to have a policy that can be renewed or extended to cover the additional time.

The necessary insurance certificate required when applying for a Schengen visa is provided by travel insurance providers AXA, MondialCare, and Europ Assistance.

You can also get the appropriate travel insurance through AtlysBlack , when applying for your visa. This makes the process super easy and stress-free.

Choosing the Right Insurance Plan

Selecting the right insurance plan requires careful consideration:

Factors to Consider

Coverage limits : Ensure the plan covers your anticipated expenses.

Deductibles : Understand how much you need to pay before the insurance kicks in.

Additional benefits : Look for features like trip interruption coverage or coverage for pre-existing medical conditions.

Comparing Insurance Providers

Research different insurance providers, read reviews, and compare their offerings to find the plan that suits your needs and budget.

Tailoring the Plan

Customize your insurance plan to your specific travel requirements. For example, if you're an adventure enthusiast, make sure you have coverage for risky activities.

Cost Considerations

Shop around : Compare quotes from different insurance providers.

Avoid unnecessary coverage : Choose coverage that aligns with your needs.

Be mindful of hidden fees : Read the fine print to understand any additional charges.

What Companies Offer Schengen Travel Insurance?

To begin with, the health insurance Schengen visa coverage that you may already have through your job contract may cover overseas medical emergency expenses; however, there are usually restrictions on what is covered. As a result, if you have a medical problem in the Schengen territory, you should know what to expect and what not to expect.

Typically, travelers obtain an individual Schengen travel insurance coverage from the appropriate insurance provider for the days they want to spend in Europe.

Make sure that the company you choose is licensed and accepted in the Schengen countries you are traveling to.

We propose AXA, MondialCare, or Europ Assistance for Schengen visa insurance. All of these businesses are recognized by European embassies and consulates around the world. If you have documentation that your visa has been rejected, you can also cancel it for free.

What Is The Cost Of Schengen Insurance?

The price of Schengen travel insurance varies from one provider to the other. AXA Schengen's premiums are listed below.

Seniors Traveling to Europe Should Get Travel Insurance

Where can seniors (over 75) get schengen travel insurance.

AXA, MondialCare, and DR-WALTER, among the best and most recognized travel insurance firms, offer Schengen insurance with no age restrictions. These companies provide reasonable and adequate travel insurance plans for retirees traveling to Europe.

To get a senior citizen a Schengen travel insurance policy, you must:

Visit the websites of AXA, MondialCare, or DR-WALTER, which are among the firms that provide it.

For Seniors Over 75, the Best Schengen Travel Insurance Plans

When I Get Schengen Visa Travel Insurance, Would I Be Protected For Covid-19?

The majority of travel insurance policies are designed to protect consumers against unforeseen catastrophes such as sudden illnesses or bodily injuries. Therefore, epidemics and infectious diseases like CoVid-19 are usually ruled out.

In most European countries, you will receive free medical care in an emergency. So, in the instance of Covid-19, you might be covered by National Health Services, but you won't be able to seek a refund from your insurer if costs are applied.

What is Typically Included in a Schengen Insurance Policy?

A comprehensive travel insurance policy for the Schengen Area typically covers the following expenses :

Medical emergencies (accidents or illnesses) during your stay in the Schengen Area.

Emergency evacuation.

Repatriation of remains.

Return of a minor.

Accidental death, injury, or disability benefits.

Overseas funeral expenses.

It's worth noting that many insurers also provide coverage for pregnancy-related expenses if the travel occurs during the first trimester, but coverage may vary after that period, depending on the insurer's policy.

How to Discover The Cheapest Travel Insurance For Schengen Visa?

When seeking budget-friendly travel insurance for your European trip, it's essential to conduct thorough and individualized research. This involves online searches to identify suitable medical insurance policies. It's advisable to compare various products and insurance companies to determine which one offers the most cost-effective Schengen visa travel insurance.

It's crucial not to equate price with quality, as not all low-cost travel insurance plans compromise on service quality, and not all expensive plans guarantee top-notch coverage. Therefore, the wisest approach is to select a policy that not only fits your budget but also meets all the requirements specified by the Schengen visa application.

How to Include Travel Insurance in Your Visa Application?

To successfully obtain a Schengen visa, you must follow these steps related to travel insurance:

Choose a Valid Insurance Policy: Select a Schengen travel insurance policy that meets the specific requirements of the Schengen Area. Ensure it provides the necessary coverage and is valid for the entire duration of your stay.

Documentation: Prepare the required documentation, including a copy of your insurance policy and a certificate or letter from the insurance provider confirming your coverage.

Submission: Submit your Schengen visa application along with the insurance documents as part of your visa application package.

Travel medical insurance for Schengen visa is not just a requirement but a vital component of your travel plans to the Schengen Area.

By understanding the insurance requirements, choosing the right policy, and ensuring proper documentation, you'll be well-prepared to embark on your European journey with confidence and peace of mind. Don't leave home without it!

Government Sources

At Atlys, we thoroughly check every detail for precision. Our information is derived directly from reliable governmental sources, ensuring its genuineness. This article is designed using AI to provide clear and concise insights.

Travel.State.GOV

Frequently Asked Questions

Your existing travel insurance may not meet Schengen visa requirements. It's advisable to purchase a dedicated Schengen travel insurance policy that complies with the specific criteria set by Schengen countries.

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SCHENGEN TRAVEL INSURANCE

Our schengen travel insurance offers essential coverage for your trip, including the required insurance certificate for schengen visa applications, why is it crucial to have schengen insurance while travelling in europe.

Schengen Visa, which allows for travel within 26 European countries, comes with specific insurance requirements, as Schengen Visa Info outlines. Travellers must meet these requirements, which include coverage for emergency medical expenses, repatriation of remains, and a minimum coverage of €30,000. 

Medical costs in some European countries can be excessive. For instance, according to the World Health Organization, a single day's hospitalisation in Switzerland can cost around US$1,000. Having Schengen insurance is a must to avoid unexpected financial burdens.

This insurance isn't limited to a particular demographic; it's designed to offer coverage for global travellers, including  

• Senior citizens up to the age of 85
• Individuals traveling for work
• Children between the ages of 1-18 and

Not every traveller needs a Schengen Visa for Schengen Area visits, given that countries such as the U.S.A., Mexico, Brazil, and Canada maintain visa-free agreements with the Schengen Zone. Nevertheless, it is highly advisable to secure insurance since your medical expenses, or any potential costs arising from unexpected incidents during your journey, may lack coverage without proper travel insurance. Opting for travel insurance is particularly beneficial if you intend to explore multiple Schengen countries or desire flexibility in your itinerary, offering comprehensive coverage across most European nations.

Why Choose Allianz Schengen Travel Insurance?

Our Schengen travel insurance will help you get your Schengen visa and offer protection while travelling in Europe.  You’ll receive the mandatory insurance certificate for your Schengen visa application. 

Different benefits  are available within this travel insurance product: 

• Up to US$50,000 in emergency medical expenses in case of accident, sickness, illness or injury. 
• Up to US$200 if your baggage is delayed.
• Up to US$2,000 in case of trip cancellation. 

Insure your next European holiday, starting from AED 56 per person. 

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Schengen Travel Insurance

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Everything you need to know about Schengen Travel Insurance

What does a schengen insurance policy usually cover .

 A Schengen insurance policy is a specific type of travel insurance designed to fulfil the visa requirements for individuals travelling to the Schengen Area. The Schengen Area comprises 26 European countries that have abolished passport control at their mutual borders, allowing for easier travel within the region. A Schengen insurance policy typically covers the following:

1. Medical expenses: Coverage for emergency medical expenses, including hospitalisation, surgery, and outpatient treatment. As Schengen visa regulations require, the policy usually covers a minimum amount, such as €30,000.

2. Emergency evacuation and repatriation : Coverage for the cost of emergency evacuation and repatriation to your home country in case of a medical emergency.

3. Repatriation of mortal remains: Coverage for the cost of repatriating the insured person's remains in the unfortunate event of death during the trip.

4. Travel assistance services : Access to 24/7 emergency assistance services, including a helpline for medical advice, travel assistance, and coordination of medical services.

5. Coverage for multiple Schengen countries : The policy should cover the entire itinerary if you plan to visit multiple Schengen countries.

6. Minimum coverage amount : Schengen insurance policies must meet minimum coverage amounts as specified by the Schengen visa requirements. As of my last knowledge update in January 2022, the minimum coverage is €30,000.

7. Emergency dental treatment : Coverage for emergency dental treatment due to an accident.

It's important to carefully review the terms and conditions of the Schengen insurance policy to ensure that it meets the specific requirements of the Schengen visa application. Additionally, check if the policy covers additional features or optional add-ons that may benefit your travel needs.

When considering a Schengen insurance policy, opt for a reputable and globally recognised insurance provider like Allianz Travel that offers comprehensive coverage for individuals travelling to the Schengen Area. You can benefit from a range of features designed to meet the specific requirements of Schengen visa applications. Schengen travel insurance from Allianz Travel includes coverage for medical expenses, emergency evacuation, repatriation, travel assistance services, personal liability, and more.

All Outbound travel insurance products from Allianz Travel UAE are schengen-compliant meaning all products meets the Schengen visa requirements. The Extra and Gold products however go beyond the basic Schenge coverages to offer maximum peace of mind.  

Does my Schengen travel insurance need to cover all Schengen are countries?

Yes, your Schengen travel insurance should typically cover all Schengen Area countries you plan to visit. When you apply for a Schengen visa, one of the visa requirements is proof of travel insurance that meets specific criteria. The insurance coverage is expected to be valid for your stay in the Schengen Area and should include coverage for medical emergencies and repatriation.

Key points regarding Schengen travel insurance coverage for multiple countries:

1. Coverage for the entire itinerary : The insurance policy should cover the entire duration of your stay in the Schengen Area, from entry to exit.

2. Minimum coverage amount: The insurance coverage must meet the minimum amount specified by the Schengen visa requirements. As of our last knowledge update in January 2022, the minimum coverage amount is €30,000.

3. Coverage for all countries : The policy should explicitly mention coverage for all Schengen Area countries you plan to visit. When purchasing the insurance, it's important to list the countries you intend to travel to.

4. Insurance certificate : The provider typically issues a certificate or confirmation letter specifying the coverage details, including the countries covered. This certificate is submitted as part of your Schengen visa application.

When obtaining Schengen travel insurance, communicate your travel itinerary and ensure the policy explicitly mentions coverage for all the Schengen space. This is crucial for meeting the visa requirements and ensuring adequate travel coverage within the Schengen Area. Always check the latest visa requirements and guidelines from the consulate or embassy of the country you are applying to, as they may be subject to change.

When obtaining Schengen travel insurance that covers all your needs across multiple countries, Allianz Travel emerges as a reliable choice. Allianz Travel offers comprehensive Schengen insurance coverage that aligns with the specific criteria set by Schengen visa requirements. Whether you're planning to explore the enchanting cities of Europe or embark on a multi-country journey within the Schengen Area, Allianz Travel provides policies that cater to your travel itinerary

What is excluded from a Schengen travel insurance policy ?

•  Exclusions in a Schengen travel insurance policy can vary depending on the insurance provider and your specific policy. However, there are common exclusions often found in Schengen travel insurance policies. It's essential to carefully review the terms and conditions of your policy to understand what is excluded. Here are some common exclusions:
• 1. Pre-existing medical conditions : Many Schengen travel insurance policies exclude coverage for pre-existing medical conditions. Any medical condition you had before purchasing the insurance may not be covered.
• 2. Medical treatment not deemed necessary : Expenses for medical treatments not considered necessary by the attending physician or that can be postponed until your return to your home country may be excluded.
• 3. Medical treatment resulting from intentional acts : Medical treatment resulting from self-inflicted injuries, suicide attempts, or participation in risky activities may be excluded.
• 4. War and terrorism : Injuries, damages, or losses resulting from war, acts of terrorism, or participation in military activities may be excluded.
• 5. Alcohol and drug-related incidents : Incidents related to the consumption of alcohol or drugs that a licensed medical professional does not prescribe may be excluded.
• 6. Participation in hazardous activities : Injuries or incidents resulting from participation in high-risk or hazardous activities such as extreme sports or adventure activities may be excluded.
• 7. Nonmedical coverage exclusions: Non-medical coverage exclusions may include events such as trip cancellations for reasons not specified in the policy, lost or stolen belongings, and other nonmedical incidents.
• 8. Failure to follow medical advice : Expenses incurred due to your failure to follow the prescribed medical advice or treatment plan may be excluded.
• 9. Excess/deductibles : Some policies may have deductibles or excess amounts, meaning you are responsible for a certain portion of the expenses before the insurance coverage takes effect.
• 10. Pregnancy and childbirth : Some policies may exclude coverage related to pregnancy and childbirth, especially within a certain period before the expected due date.
• It's crucial to carefully read the policy documentation and ask your insurance provider for clarification. Understanding the exclusions will help you make informed decisions about your coverage and ensure that you have appropriate protection for your travels within the Schengen Area.
• When navigating the intricacies of Schengen travel insurance exclusions, choosing a reliable insurance provider prioritising transparency and comprehensive coverage is imperative. Allianz Travel stands out as a reputable and globally recognised option, offering policies that address the specific needs of Schengen visa applications while minimising uncertainties related to exclusions.

How long do I need Schengen travel insurance?

The duration you need Schengen travel insurance depends on your planned stay in the Schengen Area. Schengen travel insurance is typically required for your intended stay, including the entry and exit dates specified in your travel itinerary.

Here are some key points to consider regarding the duration of Schengen travel insurance:

1. Coverage period : The insurance coverage should be valid for the entire duration of your stay in the Schengen Area, starting from your entry date until your planned exit date.

2. Non-Flexible coverage : You cannot change the dates of your travel insurance once it is issued. That is why you need to make sure you have your final trip dates before you puchase your travel insurance.  You will not be able to renew your Schengen travel insurance while your trip has started : it is therefore important to know your dates before your purchase your policy..

3. Return to home country : The insurance coverage should lastuntil your planned return to your home country.

When securing Schengen travel insurance that aligns seamlessly with the duration of your stay, Allianz emerges as a dependable choice. Allianz Travel offers policies designed to cater to the unique needs of your travel itinerary, ensuring comprehensive coverage for the entirety of your visit to the Schengen Area.

Is there an age limit for Schengen travel insurance?

Schengen travel insurance has no strict universal age limit, as insurance providers' eligibility criteria vary. However, certain insurance companies may have age-related restrictions or considerations for travel insurance policies.

Here are some points to remember regarding age and Schengen travel insurance:

1. Age categories : Some insurance providers categorise age groups differently, offering specific policies for adults, seniors, and children. The terms and conditions, as well as coverage options, may differ based on these categories.

2. Elderly travellers : While many insurance providers offer coverage for elderly travellers, there might be age limits for certain policy features or types of coverage. It's essential to check with the insurer to understand any age-related restrictions.

3. Premiums and coverage options : Premiums for Schengen travel insurance may vary based on age. Elderly travellers may experience higher premiums due to potential health risks and the likelihood of medical expenses.

At Allianz Travel, we made it easy, you just need to follow our online booking funnel to see if you are eligible to purchase our Schengen Travel insurance. 

Can I get a Schengen visa without travel insurance? 

Travel insurance is mandatory for obtaining a Schengen visa. The Schengen visa application process requires applicants to provide proof of travel insurance that meets certain criteria. Travel insurance is considered an essential part of the visa application, and failing to provide adequate insurance may result in rejection.

Key points regarding Schengen visa and travel insurance:

1. Mandatory requirement : Schengen visa applicants must provide proof of travel insurance as part of the visa application process.

2. Minimum coverage requirements : The insurance coverage should meet specific minimum requirements, including a minimum coverage amount (commonly €30,000) and coverage for the entire duration of the intended stay.

3. Insurance certificate : Applicants must submit an insurance certificate or confirmation letter issued by the insurance provider, clearly stating the coverage details, including the coverage amount, coverage period, and countries covered.

Failing to provide the required travel insurance or submitting insurance that does not meet the criteria may lead to the rejection of the visa application.

At Allianz Travel, we provide the required Certificate of Insurance by email after you pruchased your travel insurance online. 

Selecting a dependable travel insurance provider is crucial when dealing with Schengen visa prerequisites. Allianz Travel distinguishes itself as a reputable and internationally acclaimed choice, presenting customised solutions that effortlessly adhere to the obligatory criteria set for Schengen visa applications.

Can I purchase Schengen travel insurance after arriving in the Schengen Area?

Can i get a refund on my travel insurance if my schengen visa application is refused.

Whether you can get a refund on your travel insurance after a Schengen visa application is refused depends on the terms and conditions of the insurance policy you purchased. In general, travel insurance policies have different refund policies, and it's essential to review the specific terms outlined in your policy documentation or contact your insurance provider for clarification. Here are some factors to consider:

1. Refund policies: Some travel insurance policies may have a refund provision in case of a visa refusal. This could be subject to certain conditions outlined in the policy.

2. Reasons for refusal: The refund eligibility may depend on the visa refusal. Some policies may only offer refunds in specific situations, such as visa denials due to unforeseen circumstances beyond the applicant's control.

3. Documentation requirements: You may need documentation confirming the visa refusal to request a refund. This could include the visa rejection letter issued by the consulate or embassy.

4. Cancellation period: Policies often have a specific period during which you can cancel and seek a refund. This period may vary among insurance providers.

5. Administrative fees: Some insurance providers may charge administrative fees for processing a refund request. Be aware of any associated fees that may apply.

6. Policy exclusions: Check the policy exclusions to understand if visa refusal is explicitly addressed as a covered event for refund purposes.

7. Communication with insurance provider: If you find yourself in a situation where your Schengen visa application is refused, promptly communicate with your insurance provider. They can provide guidance on the refund process and any applicable terms.

It's crucial to thoroughly review your insurance policy and contact your provider to understand the specific refund conditions and requirements. Remember that each insurance provider may have different policies, so that the refund process can vary. Additionally, check the policy's cancellation period and act within the specified timeframe if you decide to pursue a refund.

When facing the intricacies of obtaining a travel insurance refund post-Schengen visa application refusal, reviewing your policy's terms carefully is crucial. Allianz Travel emerges as a dependable and transparent insurance provider, offering a customer-friendly approach to the refund process. With a commitment to transparency, flexibility, and customer satisfaction, reaching out to Allianz Travel ensures reliable support during challenging situations. For a trustworthy solution, consider Allianz Travel as your go-to provider for confidently navigating the refund process.  

Do I need Schengen travel insurance as a passport-holding UAE resident?

The need to apply for a Schengen visa if you want to visit the Schengen space does NOT depend on your country of residence but on your nationality. 

For example: if you are an American citizen living in the UAE, you do not need to apply to a Schengen visa before your trip. You will get a visa on arrival. However, if your are an Indian citizen living in the UAE, you will need to apply for a Schengen visa before your trip. 

Therefore, you need to check what the requirements are for your nationality - if you plan to travel with friends, you may not need to follow the same steps even if you are travelling together on the same dates.

If you need a Schengen visa, then the visa requirements are the same for all when it comes to travel insurance:

1. Mandatory requirement : Schengen visa regulations typically mandate that applicants provide proof of travel insurance coverage as part of the visa application.

2. Minimum coverage requirements : The insurance coverage should meet specific requirements, including a minimum amount (commonly €30,000) and coverage for your intended stay in the Schengen Area.

3. Insurance certificate : You must submit an insurance certificate or confirmation letter from the insurance provider along with your visa application. This document should clearly outline the coverage details, including the coverage amount, coverage period, and countries covered.

4. Coverage for medical emergencies : The insurance should cover medical emergencies and repatriation, ensuring you have financial coverage in case of unexpected medical expenses during your stay in the Schengen Area.

Failure to provide the required travel insurance or submitting insurance that does not meet the specified criteria may result in rejection of your Schengen visa application.

Before securing Schengen travel insurance, it's advisable to carefully review the consulate or embassy requirements of the Schengen country you plan to visit. Allianz Travel's commitment to compliance, comprehensive coverage, and clear documentation makes them a trusted choice for meeting Schengen travel insurance requirements. 

Do I need COVID protection for my Schengen travel insurance?

COVID-19 travel insurance depends on each country - therefore there is not any specific requirement that covers all Schengen space countries. You need to check the particular country or countries you are planning to visit. 

Once you have checked what the COVID-19 requirements are for the country of destination, you can then check what the insurance provider covers - if somehting is unclear to oyu, do not hesitate to contact the travel insurance company who will be able to help you. 

Remember that travel regulations and insurance coverage related to COVID-19 may evolve, so it's essential to stay informed and check for any updates or changes in requirements before your trip.

Given the evolving nature of travel regulations and COVID-19 coverage. Allianz Travel's proactive approach, comprehensive coverage, and customer-focused communication make them reliable for addressing your COVID-19-related travel insurance needs. 

How do I make a claim? 

Claiming your Schengen travel insurance involves a series of steps, and it's important to follow the process outlined by your insurance provider. Below is a general guide on how to make a claim:

1. Review policy documents : Carefully review your policy documents to understand the coverage details, terms, and conditions. Take note of the specific events and situations covered and any exclusions.

2. Contact your insurance provider : Notify your insurance provider immediately after an event that may lead to a claim. Most insurance companies have a helpline or a claims department that you can contact for guidance.

3. Obtain claim form s: Request claim forms from your insurance provider. At Allianz Trave, you can submit your claim online here 

4. Complete claim forms : Fill out the claim forms accurately and provide all the required information. Include supporting documents, such as medical reports, police reports (if applicable), receipts, and other relevant documentation.

5. Submit claim documents : Submit the completed claim forms and supporting documents to the insurance company per their instructions. Some insurers may allow you to submit claims online or via email, while others may require physical documentation.

6. Claim processing : The insurance company will review your claim and assess whether it meets the criteria outlined in the policy. This process may involve verifying the details of the incident and checking the documentation provided.

7. Follow-up and communication : Stay in communication with the claims department. Be responsive to any requests for additional information or documentation. You may also receive updates on the status of your claim during the processing period.

8. Claim approval or denial : Once the insurance company completes its assessment, you will be informed of the claim decision. If the claim is approved, the insurer will provide details on the amount to be reimbursed. If the claim is denied, the insurer will provide reasons for the denial.

9. Reimbursement or payment : If your claim is approved, the insurer will arrange for reimbursement or payment per the policy terms.

It's important to initiate the claims process promptly and provide accurate and complete information to expedite the assessment. Keep copies of all documentation for your records, and maintain open communication with the insurance provider. Always refer to your specific policy documents for detailed instructions on the claims process, as procedures can vary among insurance providers. If you have any questions or concerns, don't hesitate to contact your insurance provider for guidance.

For a hassle-free claims process and reliable support, choose Allianz Travel. Their customer-focused approach, efficient communication, and commitment to transparency make them a trusted partner for addressing your Schengen travel insurance claims. 

 Is Allianz Travel Insurance safe? 

 Allianz is a well-established and reputable insurance company whose travel insurance products are generally considered reliable and trustworthy. Allianz is one of the largest and most recognised insurance providers globally, offering a range of insurance products, including travel insurance, to individuals and businesses.

Key points regarding the safety and reliability of Allianz Travel Insurance:

1. Financial stability : Allianz is known for its financial strength and stability. It is a leading global insurer with a strong financial standing, which is an important factor in evaluating the reliability of an insurance provider.

2 . Global presence : Allianz operates in many countries worldwide, and its global presence often contributes to its reputation for reliability and customer service.

3. Customer reviews : While individual experiences may vary, you can look at customer reviews and ratings to gain insights into the satisfaction of other travellers who have used Allianz Travel Insurance. Online reviews can provide valuable perspectives on the quality of service and claims processing.

4. Coverage options : Allianz offers a variety of travel insurance plans with different coverage options, allowing travellers to choose plans that suit their needs. The flexibility in coverage options is a positive aspect for many travellers.

5. Claims process : The efficiency and transparency of the claims process are crucial indicators of the reliability of an insurance provider. Allianz generally has a well-structured claims process, and it's important to follow the specific procedures outlined in your policy when making a claim.

6. Industry recognition : Allianz has received industry recognition and awards for its insurance products and services, further affirming its standing in the insurance sector.

While Allianz Travel Insurance is generally considered safe and reliable, it's essential to read and understand the terms and conditions of the specific policy you are considering. Pay attention to coverage details, exclusions, and any specific requirements related to your travel plans.

Additionally, if you have specific questions or concerns, contact Allianz directly to seek clarification and ensure that the travel insurance plan aligns with your needs and preferences.

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Schengen Travel Insurance for Europe

If you’re planning to travel to Europe, specifically to any of the countries within the Schengen area, you’ll need to purchase Schengen travel insurance ahead of your trip. Here, we’ll guide you through all you need to know about Schengen travel insurance before you travel.

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In case of illness or injury (up to €100,000) Emergency dental expenses included

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• Terrorist Attack
• Legal fees abroad & Advance of bail abroad
• Early return in case of death in the Insured person Family
• Accompanying minor children
• Organisation of services
• Assistance in case of loss or theft of papers abroad
• Transport of a Companion in the event of Medical Repatriation
• Visit by a relative
• Legal Assistance
• Medical information and advice
• Transport of a Companion in the event of Hospitalisation
• Assistance of domestic Animals
• Costs of additional stay
• Extension of hotel stay due Illness or Injury
• Lodging expenses of a Companion in the event of Hospitalisation
• Transmission of urgent messages

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What is Schengen travel insurance?

Schengen travel insurance is specifically designed to meet the requirements for any travelers visiting any of the 27 countries within the Schengen zone. To qualify for a Schengen short-term visa or long-term visa, travelers need to provide proof of adequate travel insurance.

The Schengen zone is the area of free movement within Europe, where citizens and travelers can move between countries without the need for border checks or multiple visas. Therefore, Schengen travel insurance covers you for travel through all those European countries who are part of the Schengen free movement area . This will allow you to be flexible during your trip and visit multiple countries on your Schengen visa, should you choose to.

Do you need travel insurance for a Schengen visa?

There are several types of Schengen visa available – the transit visa, the short-stay visa and national long-stay visa but the most common is the short-stay visa, allowing you up to 90 days within the Schengen Zone in a 180 day period. 

One of the principle requirements for being granted a Schengen visa is to have a travel insurance certificate that covers you in all states within the Schengen area. This ensures that any potential fees relating to medical repatriation, urgent medical attention and/or emergency hospital treatment or death, are covered whilst you are staying in one of the Member States. Because of the free movement agreement between all the countries within the Schengen area, having travel insurance for just one country is not adequate. 

What type of travel insurance is needed for a Schengen visa?

You’re free to pick an insurance policy of your choice, but you’ll need to check that the policy you choose is 100% compliant with the embassy, consulate or visa center requirements where you are making your Schengen visa application.

In order to be compliant with a Schengen visa, your travel insurance policy must meet specific criteria set out by the Schengen Agreement. It must cover you for the entire duration of your stay, must be valid within all countries of the Schengen zone, and must have a minimum coverage of €30,000 for medical expenses or repatriation (Emergency medical). 

However, every embassy is different, and there can also be additional demands made, depending on where you are applying for your visa. Some embassies, for example, require you to include Covid cover, or to take out an annual policy. You may be required to choose an insurance policy with no deductible (excess), or one with no maximum day limit per trip.

Searching for a 100% compliant Schengen Travel Insurance?

What’s the difference between europe travel insurance & schengen travel insurance .

Europe travel insurance and Schengen travel insurance are very similar and often confused. Many travelers searching for Europe Travel Insurance are in fact in need of Schengen visa travel insurance, or visa-versa.  Schengen travel insurance covers all those European countries who are part of the Schengen free movement area. This includes most countries within the European Union, with the exception of Bulgaria, Cyprus, Ireland and Romania. It also includes a number of non EU-states – Iceland, Norway, Switzerland and Liechtenstein – who have joined the Schengen zone. However, if your trip includes European countries which are not included in the Schengen area – such as the UK – you’ll need Europe travel insurance instead. This will insure you for all the Schengen member states, as well as those outside the Schengen zone. A Schengen travel insurance policy is necessary in order to obtain the Schengen visa, but most European travel insurances meet the Schengen visa requirements as well as covering some additional countries. Be sure to check the terms and conditions of your Europe travel insurance policy to be sure it meets the Schengen requirements.   Both Europe and Schengen travel insurance will cover you for a range of unforeseen travel expenses, including medical expenses, during your Europe trip.

What’s the difference between Schengen travel insurance & Schengen travel medical insurance?

Schengen travel medical insurance is included within the Schengen travel insurance cover, and is the minimum requirement in order to apply for a Schengen visa.

Schengen travel insurance and Schengen travel medical insurance are essentially the same insurance, except that Schengen travel insurance will also cover you for a range of additional guarantees. 

In addition to medical coverages, this broader travel insurance can cover other travel emergencies such as…  

• Air ticket cancellation: Reimbursement of your air tickets costs in the event of a cancellation
• Additional stay: Coverage of additional accommodation costs in case your return is delayed.
• Lost or stolen belongings: Coverage for the loss or theft of personal belongings, including luggage, passports, and valuable items.
• Sports : Coverage for sports injuries or accidents, including search and rescue costs.
• Travel assistance: Access to 24/7 support services for travel-related issues , such as medical referrals, translation services, and travel advice, before and during your trip.
• Covid insurance: Specific cover for Covid related expenses such as quarantine or additional medical expenses.

If I’m exempt from needing a visa, do I still need European travel insurance?

Not all travelers require a Schengen visa in order to visit the Schengen area. If you are exempt from needing a visa, having a European travel insurance policy is not a legal requirement. 

Nonetheless, it is highly recommended to purchase insurance for your trip, since medical costs within Europe can be very expensive for non-citizens. Having European travel insurance in place gives you peace of mind during your travels, and allows you the flexibility of changing your travel plans and visiting different European countries during your trip.

Who is exempt from needing a visa?

If you meet one of the following requirements, then you may be exempt from needing a Schengen visa:

• You are a citizen of a country that has a visa-free arrangement with the Schengen zone, such as the USA, Australia, United Kingdom and Canada. Citizens from these countries can freely enter the Schengen zone without needing a visa and are permitted for short-term stays. You can find the full list of exempt countries on European website .
• You are traveling on a diplomatic passport, official passport or other type of special passport.
• You are a British citizen. Since Brexit, British citizens can stay within the Schengen zone for up to 90 days in a 180 day period, provided that you are visiting as a tourist or for certain other reasons (You can check it on the UK government website) such as journalism or medical treatment. You can travel to any number of countries within the Schengen area during this 180 day period, providing that your total time within the zone does not exceed 90 days.

How to find the best Schengen Travel Insurance?

The easiest way to find the best travel insurance for a Schengen visa is to use a comparison tool. Insurté’s travel insurance comparison tool gathers information on multiple insurance providers to help you identify which policy is best suited to your needs.

You can filter your results according to the type of trip you want – single-trip or multi-trip – as well as the region you want to cover – for example, worldwide cover if you’re globe-trotting.

Some of the most well known insurance providers offering Schengen visa travel insurance include Axa, Allianz, Europ Assistance and Mutuaide.

Where can I find the cheapest travel insurance Europe

It’s always worth shopping around when you are choosing travel insurance, especially if you are looking to find the cheapest insurance options available. There are also ways to reduce the cost of your insurance by modifying your requirements.

Using Insurté’s insurance comparison tool will allow you to compare prices of different policies and select the cheapest travel insurance for Europe. 

The cheapest travel insurance options are going to be those that offer a more basic level of cover. Reducing the length of your stay will also bring down your cover, as will increasing your deductible (or excess). 

Where can I find a comprehensive Schengen travel insurance

To ensure you have a premium policy that will protect you against all unforeseen events during your travels, you’ll want to opt for a comprehensive Schengen travel insurance . 

Comprehensive options will have higher thresholds in the payouts they offer and may include more specific options such as Covid cover. They may also be deductible free, meaning in the moment of a crisis you won’t need to pay out anything yourself.  When searching for comprehensive insurance, be sure to review the policy terms and conditions carefully to understand what is and isn’t covered. Consider factors such as:

• Coverage limits: Opt for higher coverage limits to avoid any nasty surprises.
• Deductibles : Choose options without deductibles.
• Additional Benefits: Look for additional benefits like air ticket cancellation coverage, lost baggage protection and sports.
• Customer reviews: Check that previous customers have had a positive experience with the insurer.

How much does Schengen travel insurance cost?

The cost of your Schengen travel insurance will vary widely depending on which insurance provider you go with and the level of coverage you select. Overall cost will depend on the length of your stay, as well as specific guarantees that you want covered. Including high risk activities such as skiing can result in a more expensive policy. 

On average you might expect to pay from €21 for a Schengen travel insurance policy for a short-term stay. 

The cheapest options will include basic insurance policies that offer minimal coverage. More comprehensive policies come at a higher premium, but offer additional benefits and have higher cover limits. 

Looking for a cost estimation ?

Schengen travel insurance faqs, do you need travel insurance for europe.

Travel insurance is a legal requirement if you are traveling to one of the countries within the Schengen zone and need a visa. Since the majority of European countries are included in the Schengen zone, most travelers to Europe will therefore need travel insurance. 

For those traveling to a European country that is not in the Schengen zone – for example, the UK or Ireland – or for travelers who do not require a visa, travel insurance is not a legal requirement but is highly recommended . Medical costs can be very high in European countries for non residents, and so European travel insurance will give you peace of mind during your trip.

Yes, travel medical insurance is mandatory in order to be granted a Schengen visa. This includes short-term visas of up to 3 months, as well as multiple-entry visa (multi-trip) and long stay visa. Travel insurance must meet specific criteria, including covering costs for medical emergencies and repatriation of up to €30,000.

It’s important to carefully review the terms and conditions of each policy to ensure it complies with the Schengen requirements and provides adequate coverage for your travel needs.

When applying for your visa, you’ll need to take proof of your insurance cover with you to the embassy, along with any other paperwork necessary for your visa application.

Why compare Schengen travel insurance?

Before you take out your insurance policy, you’ll want to be sure you’re getting the best coverage for your trip, as well as the best value for money. It’s therefore important that you take time to review the available options and compare them.  Using a comparison tool is a fast and effective way to compare offers from different providers and find the best cover. As with any purchase, no two products are the same. Prices can vary between different insurance providers, as can the type of coverage they offer. The length of your visit, levels of coverage provided and deductibles will all impact the type of cover you’ll want.

When do I need to buy Schengen travel insurance?

You’ll need proof of your Schengen visa travel insurance when you apply for your Schengen visa, so it’s advisable to purchase your travel insurance well in advance. That said, it is possible to apply for the insurance immediately before your appointment, if you are short on time. 

Remember you will need to print your insurance certificate in time to include it in your visa application paperwork.

If your visa application is unsuccessful, you can apply for a 100% refund from Insurté within 14 days of your visa refusal. 

Do I need deductible or no deductible insurance ?

Insurance policies with deductibles typically have lower premiums and can be more attractive at the outset. However, they can increase the risk of you needing to pay out of pocket when you make a claim. 

  Some embassies require travelers to take out an insurance policy with no deductible, so it is important to check with your visa center before taking out insurance.

Do I have to buy my insurance from my country of departure ?

There are no requirements on where you buy your travel insurance. With online providers offering a wide range of choices when it comes to insurance products, you can browse all options online and purchase your insurance from any country, regardless of your country of origin.

The only requirement made by the EU is that the insurance cover must be recoverable from within the Schengen country in which you are staying in at the time of the claim.

Is my choice of insurance restricted based on my nationality?

No, Insurté’s insurance panel cover travelers of any nationality, and can be purchased from any country.

Can I get a refund in case of visa refusal ?

Some customers are not granted a Schengen visa upon application. This is a frustrating situation that may require you to change or cancel your travel plans.

Insurté guarantees a 100% refund on any insurance policy in case of an unsuccessful visa application. To claim your refund, you will need to provide us with official proof of your visa refusal, within 14 days of receiving it. Reach out to our team via the contact form on our website to arrange a refund.

Do I need Schengen visa insurance if I'm traveling to French overseas territories?

France has a number of overseas territories that, although part of France, are not considered part of the Schengen area. You therefore do not need a Schengen visa if traveling to these regions. Instead, unless exempt, non EU nationals will need to apply for a visa specific to that region. Likewise, your mandatory travel insurance will need to be specific to this region, and you won’t require travel insurance for a Schengen visa.

French overseas territories include:

• Martinique,
• French Guiana
• Saint Pierre and Miquelon
• Saint-Barthelemy
• the Collectivity of Saint Martin
• Wallis and Futuna
• French Polynesia
• New Caledonia
• French Southern and Antarctic Lands

In all cases, travel insurance is highly recommended when visiting the French overseas territories, to be sure you are taken care of in case of an emergency. You can find out more about the specific visa requirements for these regions here .

Do I need Schengen Visa insurance if I’m traveling to Caribbean parts of the Kingdom of the Netherlands ?

In addition to the Netherlands in Europe, the Kingdom of the Netherlands also comprises three Caribbean islands: Aruba, Curacao and St. Maarten. As with French overseas territories, these regions do not form part of the Schengen area and therefore do not require a Schengen visa. 

Travel insurance is always highly recommended when you are traveling to these regions, so that you are fully covered for any incident during your trip. It’s important to check the specific entry requirements of the Caribbean territory you intend to visit.

Is my worldwide travel insurance compliant with Schengen requirements?

If you are a backpacker, remote worker, business traveler or travel regularly for any other reason, you may already have worldwide travel insurance in place. In this case, your worldwide travel insurance plan, whether it’s for a single trip or multi-trip, should be compliant with Schengen requirements, as most worldwide insurance packages cover all countries within the Schengen zone. 

All Insurté worldwide travel insurance policies are 100% compliant with Schengen requirements. So you can continue to globe-trot without any extra hassle.

Are all VTI.travel insurances recoverable in a Schengen Member state?

European Union regulations (Decision 810/2009 of 13 July 2009) state that in order for insurance cover to be considered adequate for a visa application, claims against the insurance company must be recoverable from within the Schengen Member state you are staying in at the time of the claim.

Insurté works with leading European insurers within the global health network, and all VTI.travel insurers comply with this regulation. Any insurance claim made during a stay in the Schengen area would be recoverable from within any Schengen Member state.

Can I insure my Schengen travel if I’m 65 years old, 75 years old or more than 80 years old ?

Some insurance providers have age restrictions and do not provide cover to those over 65, 75 or 80 years old. Fortunately Insurté has no upper age limit. We provide cover to travelers of any age, so you can enjoy exploring Europe, whatever your age.

By selecting the upper age limit in our comparison tool, we’ll make sure we present you with the best insurance cover for your age group.

Where can I compare Schengen travel insurance?

You can compare Schengen travel insurances using the Insurté comparison tool.

Our tool will help you identify which insurance providers are best suited to your needs, depending on pricing and extent of cover. You can filter your search according to single or multi-trip, number of travelers and length of stay, and browse the options to compare policies.

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What Is Schengen Travel Insurance?

Quick answer.

S chengen travel insurance is a specific type of travel insurance policy tailored to meet the travel medical coverage requirements set by the 27 (soon to be 29) European destinations within the Schengen Area. Travelers must present proof of sufficient coverage as part of the Schengen visa application process.

Schengen member countries have abolished their internal borders, allowing more accessible travel within the area. While this is incredibly convenient, some travelers may need a visa to visit Schengen countries. And one of the requirements to obtain that visa is to purchase sufficient travel medical insurance coverage.

Read on to learn more about Schengen visa travel insurance requirements and find the best travel insurance policy for your upcoming trip.

Table of contents

What is schengen travel insurance, schengen countries, visa and travel insurance requirements for the schengen area, key coverages in schengen travel insurance, how to get schengen travel insurance, schengen travel insurance faqs, summary of money’s guide to schengen travel insurance.

Schengen travel insurance is designed for travelers entering the Schengen zone, which comprises 27 (soon to be 29) European nations that have abolished internal borders.

Many visitors, including citizens from non-EU countries like India and China, must obtain a travel visa to enter the Schengen Area. And a requirement for a Schengen Visa is to have insurance covering at least €30,000 (around $32,720) in medical costs.

However, there are exemptions. For example, U.S. citizens and residents of countries such as Canada, Brazil and Mexico don’t need a Schengen visa or travel insurance for stays of up to 90 days within a 180-day period.

The Schengen Area consists of a diverse tapestry of countries. Among the member nations are some of the best places to visit in Europe , including France, Italy, Germany, Spain, Greece and the Netherlands.

Here’s the complete list:

Ireland and Cyprus are the only E.U. member states not currently part of the Schengen Agreement.

Having a valid U.S. passport allows you to spend up to 90 days within a 180-day period in the Schengen Area, whether for tourism or business purposes.

Once officially admitted, you can travel freely within the member countries without passing through customs each time. Stays under 90 days don’t require a visa for U.S. nationals, but your passport should be valid for at least six months past your travel dates.

Short stays don’t require travel medical insurance either, though travel insurance may still be worth it . That could be especially true if you plan to participate in adventure sports or other high-risk activities.

Travel insurance generally also covers cancellations and delays. Purchasing a policy could pay off if you’ve booked expensive, non-refundable flights or accommodations and didn’t purchase them with one of the best travel credit cards that offer insurance.

European Travel Information and Authorisation System (ETIAS)

Travel requirements for European Union countries are projected to change by mid-2025. Visa-exempt travelers to all 27 (soon to be 29) Schengen countries and Cyprus will need an ETIAS authorization.

Here’s what you need to know:

• You must complete an online application and pay a small fee for an ETIAS authorization.
• The authorization is tied to your passport and is valid for three years or until your passport expires.
• With a valid travel authorization, you can enter 30 European countries for short stays of up to 90 days within a 180-day period.
• ETIAS authorization does not guarantee entry into any of these countries. You still have to present your passport and documents at the border.
• The above applies to people from the U.S., Canada and dozens of other countries, so check the E.U.’s official travel website or your country’s embassy for more information. An ETIAS is not a visa and doesn’t mandate travel medical insurance.

Schengen visa requirements

You’ll need a visa if you’re from a visa-exempt country, like the U.S., and planning to stay in the Schengen Area beyond the 90-day threshold. Regardless of the length of the stay, nationals traveling from certain countries always require a visa.

Determine which Schengen country you’ll spend most of your time in and check with their official tourism or embassy website for instructions on applying for a visa. The embassy will inform you about the required documentation and instructions to meet their regulations.

Schengen visa processing time can vary depending on your country of origin and your destination country, so be sure to start the process as early as possible.

Besides the application form, the following are required to obtain a Schengen visa:

• Valid passport: Your passport must be valid for at least three months after departure.
• Passport photo: You must submit a picture of yourself that complies with the International Civil Aviation Organisation (ICAO) standards.
• Travel medical insurance: You must carry at least €30,000 (approximately $32,720) in coverage for medical emergencies, hospitalization and repatriation that’s valid in the entire Schengen Area for the duration of your stay.
• Documentation: You must provide evidence of the purpose of your visit through supporting documentation, demonstrate you have the financial means to cover expenses and accommodations and show intent to return to your home country after the stay.
• Fingerprints: Most, but not all, applicants will be required to submit their fingerprints along with their application.

Consulates of particular countries may require additional documentation.

Understanding what travel insurance covers can help you plan a worry-free journey. While plans and coverage options vary by company, here’s a breakdown of what Schengen travel insurance generally covers.

• Medical expenses: Travel medical insurance covers the cost of treating unexpected illnesses or injuries you suffer during your trip, up to your policy limits. These include the cost of medications, hospitalization and other essential medical treatments.
• Medical repatriation: Some travel medical policies also include emergency medical evacuation or repatriation, which covers some of the costs of transporting you back home or to a different medical facility to receive necessary medical treatment.
• Repatriation of remains: As the name suggests, this coverage will pay (up to your policy limits) for expenses related to transporting your body or cremated remains to your home country or point of origin.
• 24/7 Travel Assistance: Travel insurance companies generally offer round-the-clock assistance services, including language support, help recovering lost passports or prescriptions and even booking accommodations and medical transportation.

Note that some companies may require you to meet a deductible for the travel medical plan to start paying out.

Other travel-related coverage options

Most travel insurers sell policies covering medical emergencies and travel-related inconveniences such as delays, cancellations, lost luggage, and more. While you don’t need these coverage options to obtain a Schengen visa, you may still find them worthwhile.

• Trip cancellation and trip interruption: Covers non-refundable expenses if you need to cancel or cut your trip short due to unforeseen events like illness or accidents.
• Baggage loss or delay: Helps cover the cost of replacing essential items if your baggage is lost or delayed by a specified number of hours.
• Delayed flights and missed connections: Provides compensation for additional expenses caused by inconveniences such as delays or missed connections.

It’s easy to buy travel insurance for your Schengen Area trip. Many providers offer policies that fulfill the visa requirement and include additional coverage that can be tailored to your needs.

Here are some steps to help you get the right coverage.

1. Research reputable travel insurance providers

Most travel insurers bundle travel medical insurance coverage with trip cancellation, interruption, and other coverage options. If you only want to satisfy Schengen visa requirements, look for a provider that explicitly markets Schengen travel insurance or offers stand-alone travel medical coverage.

2. Select a plan that meets your needs and get a quote

Remember that you may not need trip insurance beyond the €30,000 in travel medical coverage required for a Schengen visa, so read plan details carefully to avoid buying unnecessary coverage.

It also pays to shop around and get quotes from several insurers, as travel insurance costs between 3% and 14% of the total cost of your trip, depending on the company and policy you choose.

3. Read your policy details

When shopping for travel insurance online, you’ll typically find that most companies include a policy summary or schedule. This document outlines critical details such as the policy’s coverage limits and exclusions. Carefully reading it can help you avoid surprises and frustration if you ever need to file a claim.

If you still have questions after reading the policy summary, contact the insurer before finalizing your purchase.

4. Get to know the claims process

Similarly, reading about your insurance provider’s claims process can save you time and energy in an emergency. Your policy summary should include a list of documents you’ll be required to provide as part of the claims process, which may include receipts and medical bills.

After a covered incident, contact your insurer through the company’s website or mobile app as soon as possible. Most insurers also offer travel assistance services around the clock.

5. Purchase and safeguard your policy

You will need proof of your travel medical insurance plan to apply for a Schengen visa. Keep your insurance certificate in a secure yet accessible location, whether a digital version on your smartphone or a physical printout in your travel folder.

It may also be a good idea to share a copy of your policy with a trusted friend or family member back home so they can contact your insurance provider if you cannot request medical assistance due to an emergency.

Should I get travel insurance for Europe?

Travel insurance, especially within the Schengen Area, is not just recommended but often mandatory. To obtain a visa to visit the Schengen zone, you must show proof of having sufficient travel medical insurance.

How much travel insurance do I need for Europe?

What countries does europe travel insurance cover.

• The first step before you travel to any Schengen country is to determine whether you need a visa and, therefore, mandatory travel medical insurance for a Schengen visa.
• Check with your country’s embassy, Department of Foreign Affairs or the tourism website of the country you plan to visit for specifics about medical travel insurance for Schengen visa requirements.
• You don’t need a visa or international travel insurance if you have a valid U.S. passport and are visiting the Schengen zone for less than 90 days in a 180-day period.
• If you’re a U.S. national planning to visit the Schengen Area for more than 90 days, you must apply for a visa and secure adequate travel health insurance (at least €30,000 in travel medical and repatriation coverage).

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You almost certainly will want travel insurance for Europe, mostly because the high cost for international trips is worth protecting against travel delays and trip cancellations. Since your U.S. medical coverage will not apply overseas, you also need international health insurance that covers surprise medical expenses and medical evacuation.

If you're searching for the best Europe travel insurance that money can buy, consider the following plans and all they have to offer.

Frequently Asked Questions

Most people need travel health insurance at a bare minimum when traveling to European destinations like France, Italy or Switzerland, as well as additional countries inside and outside of the Schengen area. After all, U.S. health insurance plans do not provide coverage for medical emergencies overseas, and the same is true for government health plans like Medicare. Check out our article on whether your health insurance covers international travel .

Other benefits built into Europe travel insurance plans can also protect the money that's been spent on airfare, hotel stays, Europe cruises and tours. For example, travelers can benefit from having coverage for trip cancellation, trip delays, lost or delayed baggage, and more.

Every travel insurance policy is unique, so you'll want to read over individual travel insurance plans to see what they protect against. That said, the bulk of travel insurance plans for trips to Europe provide the following coverages:

• Trip cancellation
• Trip interruption
• Travel delays
• Lost luggage reimbursement
• Baggage delay coverage
• Medical expenses
• Emergency medical evacuation
• Rental car damage

Some travel insurance plans also offer additional or optional coverage for sports equipment or sports equipment delays, missed connections, accidental death and dismemberment (AD&D), adventure sports and more.

Some visitors to countries in the Schengen area are required to have a visa for short stays that can last for up to 90 days within a timeline of up to 180 days. However, this is not the case for American citizens, who can stay in Europe for up to 90 days at a time without meeting specific visa requirements.

The U.S. Department of State also notes that American citizens who want to stay in Europe for more than 90 days should reach out to the country they plan on visiting to inquire about their visa process.

If you live in a country that requires a Schengen visa, you are required to purchase Schengen visa insurance that pays for overseas medical expenses. This coverage must provide at least 30,000 euros in protection against medical expenses that result from hospitalization, emergency treatment and repatriation of remains in the case of accident or death.

• Allianz Travel Insurance: Best Overall
• Travelex Insurance Services: Best Cost
• Generali Global Assistance: Best for Medical Emergencies
• WorldTrips: Best for Groups

Optional cancel for any reason (CFAR) and preexisting medical conditions coverage available

Kids 17 and younger covered for free

Lower coverage amount for medical expenses than some providers

• $100,000 per traveler in coverage for trip cancellation
• $150,000 per traveler in coverage for trip interruptions
• $500 in coverage for eligible trip changes
• $50,000 in emergency medical coverage
• $500,000 for emergency medical transportation
• $1,000 toward baggage loss or damage
• $300 in coverage for baggage delays of 12 hours or more
• $800 in protection for travel delays (daily limit of $200 applies)
• $100 per insured person per day in SmartBenefits coverage for eligible delays
• 24-hour hotline assistance
• Concierge services

Optional CFAR and preexisting medical conditions coverages available

Kids 17 and younger are covered for free

Many coverages cost extra

• 100% of trip cost for trip cancellation (up to $50,000)
• 150% of trip cost for trip interruption (up to $75,000)
• $2,000 in coverage for trip delays of five hours or longer
• $750 in coverage for missed connections
• $50,000 in coverage for emergency medical expenses ($500 dental sublimit included)
• $500,000 in coverage for emergency medical evacuation and repatriation
• $1,000 in coverage for baggage and personal effects
• $200 for baggage delays of 12 hours or longer
• $200 for sporting equipment delays of 24 hours or longer
• $25,000 for accidental death and dismemberment coverage
• 24/7 travel assistance
• 100% of the insured trip cost for financial default of a travel provider (maximum of $50,000)
• Trip cancellation and interruption coverage for preexisting medical conditions (maximum of $50,000)
• Cancel for work reasons coverage
• CFAR insurance
• Car rental coverage worth up to $35,000
• $50,000 in additional emergency medical coverage
• $500,000 in additional coverage for emergency medical evacuation and repatriation
• Adventure sports exclusions waiver
• $200,000 in coverage for flight accidental death and dismemberment

CFAR and preexisting medical conditions coverages available

High coverage limits for medical expenses and evacuation

CFAR coverage only reimburses at 60%

• $1,000,000 coverage limit for emergency medical evacuation and transportation
• $250,000 coverage limit for medical expenses ($500 limit for dental emergencies)
• 100% of trip cost for trip cancellation
• 175% of trip cost for trip interruption
• $1,000 per person for travel delays ($300 per person daily limit applies)
• $2,000 per person in coverage for baggage and $500 for baggage delays
• $2,000 per person in coverage for sporting equipment and $500 for sporting equipment delays
• $1,000 per person in coverage for missed connections
• Air flight accident AD&D coverage worth $100,000 per person and $200,000 per plan
• Travel accident AD&D coverage worth $50,000 per person and $100,000 per plan
• $25,000 in coverage for rental cars
• 24-hour travel support

Discounts for groups of five or more

Potential for high coverage limits for medical expenses

No coverage for trip cancellation

Available coverage limits vary by age

• $5,000 for local burial or cremation
• Up to $25,000 in AD&D coverage
• $100,000 in coverage for emergency reunions
• $10,000 in coverage for trip interruption
• $1,000 for lost checked luggage
• $100 in coverage for lost or stolen passports or visas
• $100 in coverage per day for travel delays of at least 12 hours (two days of coverage maximum)
• Up to $25,000 in personal liability coverage

Why Trust U.S. News Travel

Holly Johnson is a travel writer who has created content about travel insurance, family travel, cruises, all-inclusive resorts and more for over a decade. She has visited more than 50 countries around the world and has an annual travel insurance plan of her own. Johnson also has experience navigating the claims process for travel insurance plans and has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson works with her husband, Greg, who is licensed to sell travel insurance and owns the travel agency Travel Blue Book .

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Already planning to see the next solar eclipse in 2026? What travelers need to know.

Umbraphiles feeling the post-eclipse blues should start checking the expiration date on their passports.

The next total solar eclipse is set to happen on Aug. 12, 2026, over Greenland, Iceland, Spain, Russia and a small part of Portugal, according to NASA . 

In North America, only a partial eclipse will be visible, so if April’s event made you an eclipse chaser and you want to see totality, you’ll need to head overseas.

Here’s what you’ll need to know before packing your bags:

Do you need a passport or visa for the best destination?

The path of totality for the 2026 eclipse mostly goes through places Americans can travel visa-free with their passport, so long as they’re planning to stay for less than 90 days.

Spain, Portugal, Iceland and Greenland all allow visa-free tourist travel for U.S. passport holders.

Spain, Portugal and Iceland are also members of the Schengen Area, which allows for visa-free travel in much of Europe, meaning if you decide to make a multi-country trip out of your eclipse adventure, you won’t need to clear customs if you’re coming from much of the rest of Europe, either.

One major change for travelers to Europe from the U.S., however, is that electronic preauthorization will become a requirement beginning in mid-2025. The European Travel Information and Authorization System (ETIAS) requirement will apply to all four open countries in the path of totality. 

Depending on the state of the Ukraine war, travel to Russia may or may not be an option for most Americans by 2026, so it’s unclear what the paperwork requirements will be by then.

Is it better to see it from the beach?

Beaches can be a great place to see the eclipse because there are few natural obstacles blocking observers’ views of the sky. The 2026 path of totality passes over beaches on Spain’s northern and southeastern coasts, as well as over islands in the Mediterranean Sea including Mallorca, Menorca and Ibiza. The eclipse will also pass over coastal areas in Greenland and Iceland, according to the National Solar Observatory . 

Cruising Altitude: What it was like to see the eclipse from a plane

Will there be eclipse cruises or flights?

Almost certainly, although most operators have not announced specific plans yet. 

Cruise lines will also offer more viewing opportunities. Princess Cruises “has created a bespoke itinerary aboard Sky Princess to position the ship near Spain on that date,” according to a spokesperson for the line. The cruise will open for bookings on Princess’s website on May 23.

Cunard Line has sailings on its Queen Mary 2 , Queen Victoria and Queen Anne vessels that will put passengers in prime spots to watch .

'The ship can move': Why you should watch next solar eclipses from a cruise ship

Holland America Line is also planning multiple sailings around the event, though details are still to be announced. “Guests have reacted positively to our 2024 eclipse cruises and with the next full eclipse in 2026 we plan to have three sailings in Europe that will align with the path of the eclipse,” Paul Grigsby, the line's vice president of Deployment & Itinerary Planning, previously told USA TODAY in an email.