travel insurance europe visa

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

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

Travel Insurance for Europe: 4 Best Options for 2024

Allianz Travel Insurance »

Travelex Insurance Services »

Generali Global Assistance »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Europe.

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• Allianz Travel Insurance
• Travelex Insurance Services

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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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.

licensed agents available

Visa Traveler

Exploring the world one country at a time

Travel Insurance for Schengen Visa: A Comprehensive Guide

Updated: September 8, 2023

One of the key requirements of Schengen visa is the travel medical insurance. The travel insurance for Schengen visa must meet certain coverage and must be valid throughout the Schengen region for the entire duration of your stay.

With a myriad of travel insurance options in the market, picking out the right policy for your Schengen visa is difficult. In this article, you will everything about Schengen visa travel insurance and how to choose a policy for your visa.

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What is Schengen Travel Medical Insurance?

Schengen travel insurance is a type of insurance policy for travelers visiting the Schengen area. This type of travel insurance plan is designed specifically to comply with Schengen visa criteria of minimum coverage and validity requirements. Schengen travel insurance is also a mandatory requirement for obtaining a Schengen visa.

Who Requires Schengen Travel Health Insurance?

Visitors from visa-required countries planning to visit any Schengen country must require Schengen travel insurance.

If you are a traveler from a country that requires a visa to enter the Schengen zone, you must have a valid travel insurance policy. You must buy travel insurance not only for your Schengen visa application but also for any or all trips that you take to the Schengen area.

Is Travel Insurance Mandatory for Schengen Visa?

Yes, obtaining travel insurance is mandatory for Schengen visa . The European Commission’s 810/2009 Regulation mandates submitting valid travel medical insurance for Schengen visa applications.

Proof of travel medical insurance is not only mandatory for the first trip, but also for all subsequent trips for multiple-entry Schengen visas.

At the time of application, you would only need to provide proof of insurance for the first entry.

What are the Schengen Visa Insurance Requirements?

As per the Article 15 of REGULATION (EC) No 810/2009 , your Schengen visa travel insurance must meet the following three criteria:

• Must cover medical expenses up to a minimum of €30,000
• Must be valid for the entire duration of your stay
• Must be valid in all 27 Schengen countries

The policy must cover all medical expenses arising from emergency medical attention, treatment, hospitalization, emergency medical evacuation, repatriation due to medical reasons and death.

Let’s look at each of those requirements in detail.

1. Minimum Coverage

Your Schengen visa travel insurance must meet the minimum coverage requirement of €30,000. When purchasing Schengen visa travel insurance in USD, make sure the policy covers at least $50,000.

This minimum coverage is applicable for any medical expenses, emergency evacuation, and repatriation of remains.

This coverage is necessary to financially protect you in case of accidents, unforeseen illnesses, or other emergency situations that may arise during your travels in the Schengen area.

2. Validity Duration

Your travel insurance for the Schengen visa must remain valid for the entire duration of your stay in the Schengen area.

This travel insurance policy should cover you from the day you arrive in the Schengen area until the day you leave.

In terms of a multiple-entry visa, the Schengen visa insurance must be valid for the entire duration of your first entry only.

Here is an example:

You are applying for a multiple-entry visa and your trip is from Jan 01 to Jan 14. Your Schengen visa insurance must be valid from Jan 01 to Jan 14.

If you take another trip on the same visa, say from May 01 to May 14, then you must purchase another Schengen travel insurance at the time of your second trip.

For your visa application, you would only need to provide insurance for Jan 01 to Jan 14.

3. Validity in the Schengen Zone

Lastly, your Schengen visa travel insurance must be valid in all 27 Schengen countries. This is to make sure that you have coverage regardless of which Schengen country you visit during your trip.

Most Schengen travel insurance aggregators such as VisitorsCoverage provide insurances that are valid in the entire Schengen zone.

In fact, any insurance valid globally is acceptable for the Schengen visa. Provided, the the insurance covers at least €30,000 in all medical costs and emergencies.

What Does Schengen Visa Insurance Plan Cover?

In general, any Schengen visa insurance plan covers medical expenses, COVID-19 protection, and trip coverage.

These coverage options are designed not only to provide comprehensive protection but also to meet the Schengen visa insurance requirements.

1. Medical Coverage

Medical coverage is the most important aspect of Schengen travel insurance. It provides coverage for emergency medical expenses, accidents, and unexpected illnesses.

The coverage also includes hospitalization, emergency hospital treatment, doctor visits, prescription drugs, and other necessary medical treatments that are considered emergency and necessary.

The policy must cover at least €30,000 for the visa. But depending on your needs and activities in the Schengen area, you can opt for policies with higher coverage.

2. COVID-19 Protection

COVID protection is not mandatory for Schengen visa. But most Schengen visa travel insurance policies offer coverage for medical treatment and quarantine expenses related to COVID. COVID tests and quarantine must be prescribed by a doctor to be eligible for the coverage.

That being said, you must review the policy details to make sure that COVID protection is included. Even though it’s not mandatory, it can provide peace of mind during your trip.

3. Trip Coverage

Trip coverage is also not mandatory for Schengen visa. But most travel insurance plans provide protection against flight cancellations, delays, and lost luggage during your travels. Trip coverage will help lessen any expenses arising from trip interruptions and baggage delays.

Review the policy details to make sure comprehensive trip coverage is included. This way, you can ensure that your trip goes smoothly, even when faced with unexpected setbacks.

What Does Schengen Visa Insurance Plan Not Cover?

Though Schengen travel insurance plans provide coverage for a wide range of scenarios, there will usually be some exclusions. One common exclusion is the coverage for pre-existing medical conditions.

It’s crucial to understand the limitations and exclusions of your Schengen visa insurance policy. Let’s look into the exclusion of pre-existing medical conditions in detail.

Pre-existing Medical Conditions

Pre-existing medical conditions are generally not covered by Schengen visa insurance plans. If you have a medical condition that was present prior to the purchase of your Schengen insurance policy, any medical expenses related to that condition during the trip will not be covered.

Review the terms and conditions of your travel insurance policy to determine if any exclusions apply to pre-existing medical conditions.

Is COVID-19 Coverage Mandatory for Schengen Visa Travel Insurance?

No, COVID-19 coverage is not mandatory for Schengen visa travel insurance. But most Schengen travel insurance companies include COVID coverage in their policy.

Even though it’s not required, having COVID protection in your travel insurance can provide financial security during your Schengen trip.

It is always better to be prepared and have coverage than face challenges during the trip.

How Much Does Schengen Visa Medical Insurance Cost?

The cost of Schengen visa medical insurance varies depending on several factors, such as age, duration of your trip, total coverage amount, and the insurance company.

Schengen travel insurance from IMG Global, through VisitorsCoverage for up to 39 years of age will cost about a dollar a day. For a one-week trip, it would be about $7 USD. The cost goes up with age.

IMG Global is a US-based insurance company offering Schengen visa insurance. If you opt for a Europe-based insurance company such as Europ Assistance, the prices are even higher. A one-week insurance policy can cost about €18.

To find the most affordable insurance policy for the Schengen visa, compare different insurance providers and policies using an insurance aggregator such as VisitorsCoverage .

How to Choose the Right Travel Insurance for Schengen Visa?

With a myriad of options available in the market, choosing travel insurance for your Schengen visa can be a daunting task. To make this process easier, consider factors such as the reputation of the insurance company, coverage limits, and customer reviews.

Let’s look at each of these factors in detail.

1. Reputation of the Company

When selecting a travel insurance provider, it’s important to evaluate their reputation in the market. A reputable insurance company will have a track record of providing reliable and quality coverage, as well as excellent customer service.

You can assess the reputation of an insurance company by looking at its reviews and ratings on sites such as Trustpilot. VisitorsCoverage , for example, has a 4.7 rating on Trustpilot.

If you choose an insurance company with a strong reputation, you will have confidence in the coverage and support they provide throughout your trip.

2. Coverage Limits and Exclusions

Another important aspect to consider is the coverage limit. The policy must be Schengen visa compliant, meaning the policy must meet the minimum coverage requirement of €30,000.

Additionally, it’s important to review if there are any exclusions such as pre-existing medical conditions or other limitations.

By reviewing the coverage limits and exclusions, you can pick out a policy that is Schengen visa compliant and provide enough protection during your trip.

3. Customer Reviews and Ratings

Reviews and ratings can be invaluable resources when evaluating any product or service in the market. Travel insurance is no different. The reviews and ratings provide insight into the insurance provider’s customer service, claims process, and embassy acceptability.

By considering the experiences of other travelers you can assess the quality and reliability of the travel insurance.

4. Schengen Insurance Certificate

Lastly, the insurance company must be able to issue a Schengen insurance certificate, also called a visa letter. Submitting a visa letter along with the policy is a mandatory requirement for the Schengen visa.

This certificate confirms that your insurance policy meets the Schengen visa criteria. The certificate should include:

• Your name (as the policyholder)
• Policy number
• Total coverage amount, which should be no less than €30,000 (or $50,000)
• Dates of validity (must cover the entire duration of your stay in the Schengen area)
• Contact details for the insurance company, in case of emergencies

Where to Purchase Travel Insurance for Schengen Visa?

Travel insurance for Schengen visas can be purchased from online insurance providers, local insurance companies and travel agencies.

Local insurance companies and travel agencies can offer personalized advice. With online platforms, you can compare prices and coverage options from multiple insurers.

Regardless of where you purchase your insurance, it’s important to make sure the insurance policy meets Schengen visa insurance requirements and provides the necessary coverage for your trip.

My recommendation is to buy Schengen visa insurance from VisitorsCoverage. Their Europe Travel Plus policy is specifically designed for the Schengen visa, meeting the minimum coverage requirements and downloadable visa letter. Here is a comparison for a 33-year-old, 7 days trip to the Schengen area.

How to Purchase Travel Insurance for Schengen Visa

To purchase your travel insurance for Schengen visa, go to the VisitorsCoverage’s Europe Travel Plus plan. Enter the following details.

• Destination Country
• Citizenship
• Residence/Home country
• Coverage Start Date
• Coverage End Date
• Arrival Date
• Date of Birth
• Email Address

Click on Continue. In the deductible and policy maximum, select $0 for the deductible and $50K for the policy maximum. Then click on Continue.

In the next steps, enter your details as per your passport. Complete the payment and purchase the policy. Once your purchase is complete, you can download your visa letter.

How To Find Cheap Schengen Travel Insurance?

Finding cheap Schengen travel insurance requires research and comparison of policies and companies. I have done this already for you. VisitorsCoverage was the cheapest in my research. If you are older than 50, then you might want to check other insurance companies to see if you can find a cheaper option.

Frequently Asked Questions (FAQS)

Do us citizens need schengen insurance.

No. US citizens do not require Schengen insurance when traveling to the Schengen area. This is because Schengen insurance is mandatory for those that require a visa for the Schengen area. And, US citizens do not require a visa for the Schengen area.

Is Schengen travel insurance refundable?

Yes. Most Schengen visa insurance companies offer reimbursement or free cancellation in the event of visa refusal. That being said, review the terms and conditions of the insurance policy before purchasing to make sure the policy is cancellable in case of visa refusal.

Can I purchase travel insurance after obtaining a Schengen visa?

No. You must purchase travel insurance before obtaining the visa. This is because travel insurance is one of the mandatory requirements for obtaining the Schengen visa. Without purchasing travel insurance, you won’t even be able to apply for the Schengen visa.

Are pre-existing medical conditions covered by travel insurance?

Pre-existing medical conditions are usually not covered by Schengen visa insurance plans. This means that any medical expenses arising due to pre-existing conditions will not be covered during your trip. Before purchasing, review the terms and conditions of the policy to determine the exclusions.

Can I extend my travel insurance coverage if my stay in the Schengen area is prolonged?

It may be possible to extend travel insurance coverage if your stay in the Schengen area is prolonged. But it depends on the insurance company and the policy type. Review the terms and conditions and also contact the insurance provider to inquire about extensions.

Obtaining the right travel insurance is a crucial step in your Schengen visa application process. The travel insurance for Schengen visa must provide at least €30,000 coverage and must be valid throughout the Schengen region for the entire duration of your trip.

While purchasing your Schengen visa insurance, consider factors such as the provider’s reputation, coverage limits and customer reviews. Compare different travel insurance providers and policies to pick out the right insurance for your Schengen visa.

WRITTEN BY THIRUMAL MOTATI

Thirumal Motati is an expert in tourist visa matters. He has been traveling the world on tourist visas for more than a decade. With his expertise, he has obtained several tourist visas, including the most strenuous ones such as the US, UK, Canada, and Schengen, some of which were granted multiple times. He has also set foot inside US consulates on numerous occasions. Mr. Motati has uncovered the secrets to successful visa applications. His guidance has enabled countless individuals to obtain their visas and fulfill their travel dreams. His statements have been mentioned in publications like Yahoo, BBC, The Hindu, and Travel Zoo.

PLAN YOUR TRAVEL WITH VISA TRAVELER

I highly recommend using these websites to plan your trip. I use these websites myself to apply for my visas, book my flights and hotels and purchase my travel insurance.

01. Apply for your visa

Get a verifiable flight itinerary for your visa application from DummyTicket247 . DummyTicket247 is a flight search engine to search and book flight itineraries for visas instantly. These flight itineraries are guaranteed to be valid for 2 weeks and work for all visa applications.

02. Book your fight

Find the cheapest flight tickets using Skyscanner . Skyscanner includes all budget airlines and you are guaranteed to find the cheapest flight to your destination.

03. Book your hotel

Book your hotel from Booking.com . Booking.com has pretty much every hotel, hostel and guesthouse from every destination.

04. Get your onward ticket

If traveling on a one-way ticket, use BestOnwardTicket to get proof of onward ticket for just $12, valid for 48 hours.

05. Purchase your insurance

Purchase travel medical insurance for your trip from SafetyWing . Insurance from SafetyWing covers COVID-19 and also comes with a visa letter which you can use for your visas.

Need more? Check out my travel resources page  for the best websites to plan your trip.

LEGAL DISCLAIMER We are not affiliated with immigration, embassies or governments of any country. The content in this article is for educational and general informational purposes only, and shall not be understood or construed as, visa, immigration or legal advice. Your use of information provided in this article is solely at your own risk and you expressly agree not to rely upon any information contained in this article as a substitute for professional visa or immigration advice. Under no circumstance shall be held liable or responsible for any errors or omissions in this article or for any damage you may suffer in respect to any actions taken or not taken based on any or all of the information in this article. Please refer to our full disclaimer for further information.

AFFILIATE DISCLOSURE This post may contain affiliate links, which means we may receive a commission, at no extra cost to you, if you make a purchase through a link. Please refer to our full disclosure for further information.

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Travel insurance for europe .

Europe may be known to world leaders and businesses for its central position in trade and commerce or its unique geographical location between the two ‘Old World’ continents – Asia and Africa. But for travelers and explorers worldwide, it is a destination that offers the best of everything. From a vibrant history and cultural heritage to arts, architecture, nature, and food, Europe is diverse in every sense of the word. It offers everything that one may wish for on vacation. It also caters to all types of travelers. Whether you’re a backpacker or one who goes all out on their trips, you can explore Europe in your style. No wonder everyone has Europe on their list of must-visit places. Considering how popular a travel destination in Europe is, you may already know a thing or two about the region. However, travelers often overlook a few things that are worth knowing. Let’s take a look…

Discover our Travel Insurance for Europe

Travel insurance germany | travel insurance italy, is travel insurance for europe a requirement , europe travel faqs, what documents do i need to travel to europe.

• Passport with a minimum of six months validity and at least one blank page for every European country you intend to visit.

Does Europe require International Medical Coverage?

What vaccinations are required to visit europe.

• Hepatitis A and B
• Tick-borne Encephalitis
• Routine Vaccines – Flu, Polio, MMR, Shingles, Chickenpox, and Diphtheria-Tetanus-Pertussis

What is the best time of year to visit Europe?

What is the local currency of europe and its exchange rate for usd, are credit cards widely accepted in europe if yes, which ones, what local customs and cultural norms tourists visiting europe should be aware of.

• Tipping isn’t as common in Europe as in the US.
• Don’t expect everyone to know English in countries other than the UK.
• Beware of pick-pocketing; it’s common in many parts of Europe.
• In Italy, denying food is considered impolite, so it is best to accept it when offered.
• Americans are often referred to as irritating in Europe due to their loud nature. Be polite and talk at a lower volume as much as you can.

AXA already looks after millions of people around the world

With our travel insurance we can take great care of you too

4 Best Travel Insurance for Europe in 2024

Home | Travel | Europe | 4 Best Travel Insurance for Europe in 2024

When traveling abroad, get a policy from one of the  best travel insurance companies . Y ou can get a  5% discount   on Heymondo , the only insurance that pays medical bills upfront for you, HERE!

Getting European travel insurance is one of the main requirements for obtaining a Schengen visa, whether for traveling, studying, or working overseas.

However, if you don’t need a Schengen Visa , you may ask yourself, Do I need travel insurance for Europe ? Well, it’s always a good idea. As I mentioned in my guide to the best international travel insurance companies , you should buy coverage if you want the peace of mind that comes with knowing you’re protected in any unforeseen circumstances.

4 Best travel insurance for Europe in 2024

Of course, not everyone needs the same kind of coverage, so in this article, I’m sharing the best travel insurance for Europe and Schengen travel insurance that meets all the visa requirements:

• Schengen visa travel insurance requirements
• Europe travel insurance cost & comparison
• Best travel insurance for Europe

What should European travel insurance cover?

Not to spoil the surprise, but Heymondo is the best option for Europe trip insurance and Schengen Area travel insurance . Heymondo offers comprehensive coverage at an affordable price, and it’s the only company that pays your medical expenses upfront , so you don’t have to worry about filing a reimbursement claim.

5% OFF your travel insurance

Another great option, if you’re traveling on a budget and don’t mind having a deductible, is SafetyWing . Just be aware that there is a $250 deductible per claim, and they don’t cover medical expenses upfront. You will need to pay out of your pocket and ask for reimbursement later, but it is the cheapest option by far.

I’ll give you a full review of other top travel insurance for Europe below .

Is travel insurance for Europe mandatory?

If you’re required to have a visa to enter the Schengen Area, you must have travel medical insurance for a Europe trip . Be aware that not all travelers need a Schengen visa, so check the requirements for different countries below.

If you’re a citizen of a country in the Schengen Area, you don’t need travel insurance for Europe , but it’s wise to have coverage for your trip .

What countries need a Schengen Visa to visit Europe?

Travelers from the following countries must purchase European travel insurance to obtain a Schengen visa and visit the Schengen Area:

Schengen visa insurance requirements

To obtain a Schengen visa, you must have Schengen Area travel insurance . That is, insurance that covers the Schengen Area and meets these requirements:

• At least $30,000 in coverage for medical emergencies and accidents : Healthcare and medical expenses in Europe aren’t cheap, so emergency medical coverage is a requirement. No matter where you travel in the Schengen Area, your insurance will cover the medical fees if you get sick or injured.
• Repatriation coverage in case of medical incidents or death : If you fall gravely ill in a remote area or require further medical attention for a serious injury, you may need to be transported back to your home country. This is an expensive service, so your insurance should include repatriation coverage. This way, you won’t have to pay big bucks for transportation fees.
• Coverage in all 26 Schengen Area countries for the entire duration of your trip : Even if you’re not planning to visit all 26 countries (which would be incredibly ambitious!), your insurance policy must cover all of them. The best Schengen travel insurance policies allow you to select “Europe” as your coverage area, so you don’t have to worry. I always recommend reading the fine print to ensure you don’t encounter any problems when applying for your Schengen visa.

What countries are in the Schengen Area?

The 26 countries that make up the Schengen Area are:

• Czech Republic
• Liechtenstein
• Netherlands
• Switzerland

Of those countries, Iceland, Liechtenstein, Norway, and Switzerland are the only countries that don’t also belong to the European Union.

How much does European travel insurance cost?

Choosing the best travel health insurance for Europe is one of the most frequent doubts among tourists. We currently have a policy with Heymondo , and we’re very happy with it. The company has been super responsive and helpful whenever we’ve needed assistance. I love that they take care of medical payments for us upfront, so we don’t need to pay out of pocket and file a claim.

If you’re still unsure which European tourist insurance best suits you and your needs , look at the table below. I’ve compared the cost of European travel insurance from 4 different companies. To be as impartial as possible, I’ve simulated the prices for a 30-year-old American traveling to Spain for two weeks with a trip cost of $2,500.

*Price used for example

For this European travel insurance comparison , I chose the cheapest policies that cover the Schengen Area and meet all the requirements. While Heymondo isn’t the cheapest, it offers better coverage than the others, and it’s the only one that pays for medical expenses upfront.

Also, remember that these prices are just an example and can vary depending on your trip’s duration, your country of origin, destination, and other factors. However, no matter the cost, you want travel insurance, even for the cheapest places to visit in Europe .

Best Europe travel insurance

Again, each European travel insurance company has its advantages, so I’m sharing an overview of each option below to help you make the best choice.

1. Heymondo , the best travel insurance for Europe

Heymondo is the best holiday insurance for Europe , offering $200,000 in emergency medical coverage and no deductible. One of the main advantages of Heymondo insurance is the 24/7 customer support and medical chat . This way, you can quickly consult a doctor or get directions to the nearest hospital.

Another thing I like about Heymondo is that it takes care of everything, so you won’t have to pay a single bill out of pocket . No more filing claims and waiting for reimbursement! Just remember that for Heymondo to cover expenses upfront, you must contact them before going to the doctor. If you forget or don’t have time, don’t worry. Heymondo will refund your money after you send them the medical invoice.

Besides, it covers electronic equipment , something that most travel insurance doesn’t include. For us, that coverage is crucial since we always travel with two laptops and professional camera gear.

We’ve been using Heymondo’s annual travel insurance and have been delighted with the experience. We have had to use the customer support more than once, and the team has always been professional, efficient, and kind. If you choose this company for your European travel health insurance , you can save 5% with our Heymondo discount .

2. SafetyWing , a cheap European travel insurance

If you’re looking for a low-cost Schengen travel insurance policy, look into SafetyWing . It’s one of the cheapest travel insurance companies on the market, offering excellent coverage without a hefty price.

SafetyWing’s European travel health insurance includes extensive emergency medical coverage, evacuation and repatriation protection, and up to $5,000 in trip interruption benefits for added peace of mind.

However, while SafetyWing has some of the lowest prices on the market, remember that it’s more of a medical travel insurance , so its trip-related coverage is minimal.

Also, there is a $250 deductible, so you’ll have to pay $250 before the company covers your medical costs. If you don’t want to deal with a deductible and want the added benefit of having your expenses paid upfront, I recommend Heymondo .

3. Trawick International , the best Europe travel insurance for seniors

Trawick International is another option to consider, especially if you’re looking for a good travel insurance plan for seniors . Trawick is affordable and features great medical benefits, including coverage for pre-existing conditions. The company also offers decent protection for natural disasters and repatriation.

This company also has travel insurance with Cancel For Any Reason (CFAR) . So, if you add CFAR to your policy, you’ll get reimbursed for your flight and accommodation expenses if you call the trip off, regardless of the reason for your cancellation. However, there are specific terms and conditions, so I recommend reading the policy thoroughly.

It’s important to review the different Trawick policies since some pertain to European travel insurance while others are tailored to students or tourists coming to the USA. In our comparison, we looked at the Safe Travels Explorer plan, which includes decent trip cancellation and interruption coverage, but only a small amount of baggage loss protection.

Overall, you can get much more coverage for the same price or a bit more. For example, Heymondo offers $200,000 in emergency medical expenses compared to Trawick’s $50,000. Plus, Heymondo pays your medical expenses upfront.

4. Travelex , another good travel health insurance for Europe

Lastly, Travelex is dependable tourist insurance for Europe that meets all Schengen visa insurance requirements. Its Select plan is the more expensive option, but it includes extensive repatriation and evacuation coverage, as well as natural disaster protection.

You’ll also be covered for travel-related expenses like baggage loss/theft, trip cancellation/interruption, and trip delay. Travelex is also a travel insurance that covers pre-existing conditions , making it a good choice if you want your policy to cover treatments and medication abroad for chronic diseases like diabetes.

On the other hand, the Select plan is the most expensive option of the policies we looked at, and the emergency medical expense coverage is very low. In comparison, Heymondo offers much better coverage for a lower price.

What should travel insurance for Europe cover?

When shopping around for travel medical insurance for Europe , make sure you’re looking for the best coverage. Below, you can see what the best European travel insurance should include:

Emergency medical expenses

Emergency medical coverage is the most basic and essential requirement for any European holiday insurance . Even the cheapest policies include this type of coverage. With emergency medical expenses protection, you’ll be covered for any visits, tests, treatments, and hospitalizations during the trip due to illness or injury.

However, chronic illnesses or sicknesses that existed before the start of the trip are excluded from this coverage. For example, the insurance won’t cover treatment for cancer, as that’s a chronic disease that must be treated in your country of origin. On the other hand, an emergency operation for appendicitis would be covered.

Emergency medical expenses, something that’s covered with European travel insurance

As for injuries and accidents, most policies don’t cover incidents that occur while practicing extreme sports or risky activities. In the case of Heymondo , some adventure sports are included in the Premium plan. For other insurers, there is the option to add this type of coverage to your policy for an extra fee. So, if you’re a daredevil and plan on participating in some extreme sports during your trip, I recommend getting a policy with Heymondo.

Evacuation & repatriation

Evacuation and repatriation coverage are other must-haves when buying insurance for a European trip . If you have to return to your home country due to a medical emergency or death abroad, this coverage will take care of the associated expenses. Moreover, if a family member back home gets seriously sick or dies, or there is an accident at your home, the costs will fall under this category.

Unexpected delays can happen while traveling, be it a flight delay, weather problems, or an issue with the airline. This is why many European travel insurance companies include trip delay coverage. This covers expenses like meals and accommodation if your trip is delayed several hours or more.

Trip cancellation & interruption

As for trip cancellation , it’s often not included in European travel insurance . You usually must take out a trip cancellation policy or add this coverage to your plan.

With trip cancellation protection, you’ll be covered if you have to cancel your trip for health, legal, or work reasons. The amount varies depending on your policy, but you could recover up to 100% of the money you invested in the trip. Of course, you must provide documentation justifying the cancellation.

If you want the option of canceling your trip for any reason and getting reimbursed, look into Cancel For Any Reason (CFAR) insurance . Many companies offer this coverage as an add-on.

Moreover, trip cancellation coverage is especially useful if you’re visiting multiple countries in Europe. An unexpected incident may come up in the middle of your trip, such as a family member getting sick or a natural disaster back home. Instead of losing all the money you paid for the rest of your journey, you can get reimbursed with European travel insurance with trip cancellation/interruption benefits.

Baggage loss, theft, or damage

It’s not uncommon for luggage to get lost, stolen, or damaged during travel. For this reason, I consider this type of coverage essential for any European travel insurance plan .

Be sure to check the monetary amount for this benefit since some insurers don’t offer as much protection as others. I also suggest keeping your most valuable and expensive items with you in a backpack or carry-on so you don’t risk losing them in your checked baggage.

If you can’t store your things in a hotel, consider using a luggage storage service once you’ve arrived at your destination. This way, you’re not a walking target for pickpockets!

Electronic equipment

If you’re bringing electronic equipment like a camera or laptop, be aware that these items aren’t typically covered under the baggage loss benefit. An exception is Heymondo , which includes electronic equipment protection in its policies.

For most other European travel insurance plans , you’ll have to get this coverage as an add-on for an extra fee.

Adventure sports

This is another benefit that’s often available as an add-on. If you know you’ll be participating in some extreme activities, adding this type of coverage to your policy is a good idea. Adventure sports include things like bungee jumping, skydiving, scuba diving, and white-water rafting.

Heymondo is one of the few European travel insurance companies that include adventure sports protection in its policies.

Search and rescue

Another insurance benefit is search and rescue coverage. This covers the cost of an organized search and rescue effort should you get lost or reported missing during your trip.

Natural disaster evacuation

Finally, natural disaster coverage will pay for the transportation costs if you need to return to your home country due to a natural disaster at your destination. Examples of natural disasters include earthquakes, floods, landslides, tornadoes, tsunamis, volcanic eruptions, and wildfires.

Europe travel insurance with a discount

If you decide to get travel insurance for a Europe trip , remember that you can take advantage of our discount to save money on your policy.

In the case of Heymondo , you can get a cheaper European travel insurance policy for being a Capture the Atlas reader. Just click our link below to get a 5% discount on Heymondo insurance .

Also, be sure to read our guide on the best discounts for travel so you can save money on flights, hotels, rental cars, and more.

Is Europe travel insurance worth it?

Even if you aren’t required to get a Schengen visa (and thus European travel insurance ), getting coverage is still a good idea. We never travel without insurance, and I advise everyone to do the same. After all, you never know what could happen abroad, whether you get in an accident or fall ill.

Throughout the years, my friends and I have had many experiences that highlight the importance of having insurance.

For example, I was studying English in Ireland with my cousin when he had to have emergency surgery for appendicitis. Luckily, he had EU travel insurance, so the cost of his operation was covered. He would have been stuck paying thousands if he hadn’t had travel medical insurance for Europe .

Another time, I was taking a trip to Germany, and my luggage never arrived. I was stressed out about not having any clothes or toiletries, but fortunately, I had travel insurance, so the company covered the cost of all the clothes and necessities I had to repurchase.

While those two scenarios ended nicely, my family and I have had less-than-ideal situations that resulted from not having insurance coverage.

One of those was when I planned a trip to Ukraine years ago. I had to cancel it because of a family emergency, and since I didn’t have travel insurance for Europe , I lost all the money I had invested in flights and hotels.

Similarly, my mom didn’t bother to get insurance before traveling to London. Someone stole her bag in a pub, so she lost her cell phone, camera, and wallet (with her ID and credit cards). She could’ve been covered for these losses if she had purchased European holiday insurance . Unfortunately, she had to pay to replace everything herself.

As you can see from the examples above, all kinds of unexpected circumstances crop up while traveling. It’s always better to have the added security of trip insurance. Take it from me, and don’t learn your lesson the hard way!

Other things to plan for your trip to Europe

Once you get the best travel medical insurance for Europe , finish organizing your trip with these helpful tips:

• Get one of the best SIM cards for Europe to avoid paying for roaming while using internet in Europe . We always use the Holafly eSIM , and you can even purchase it if you’re already abroad.
• Get a travel credit card to avoid hefty fees when using foreign ATMs. There are even some great credit cards with no foreign transaction fees that you can take advantage of.
• Check the iVisa website to see if you need a Schengen visa for your trip. If you do, make sure you request it in advance so you have it in time for your trip.

Lastly, enjoy your trip to the fullest!

FAQs – Travel insurance for Europe

If you still have concerns about European trip insurance , these answers to commonly asked questions may help:

Do I need travel insurance for Europe?

Travel insurance for Europe is mandatory for citizens who are required to apply for a Schengen visa.

Do I need European travel insurance if I have a European Health Insurance Card (EHIC)?

No, you don’t need European travel insurance if you have an EHIC.

Do I need Europe travel insurance for a Schengen Visa?

Yes, those applying for a Schengen visa must have European travel health insurance .

Which countries are required to have travel insurance to Europe?

Travelers who are residents and hold passports from the following countries must have travel insurance for Europe : Afghanistan, Algeria, Angola, Armenia, Azerbaijan, Bahrain, Bangladesh, Belarus, Belize, Benin, Bhutan, Bolivia, Botswana, Burkina Faso, Burma/Myanmar, Burundi, Cambodia, Cameroon, Cape Verde, Central African Republic, Chad, China, Comoros, Congo, Cuba, Democratic Republic of the Congo, Djibouti, Dominican Republic, East Timor, Ecuador, Egypt, Equatorial Guinea, Eritrea, Eswatini, Ethiopia, Fiji, Gabon, Gambia, Ghana, Guinea, Guinea-Bissau, Guyana, Haiti, India, Indonesia, Iran, Iraq, Ivory Coast, Jamaica, Jordan, Kazakhstan, Kenya, Kosovo, Kuwait, Kyrgyzstan, Laos, Lebanon, Lesotho, Liberia, Libya, Madagascar, Malawi, Maldives, Mali, Mauritania, Mongolia, Morocco, Mozambique, Namibia, Nepal, Niger, Nigeria, North Korea, Northern Mariana Islands, Oman, Pakistan, Palestinian National Authority, Papua New Guinea, Philippines, Qatar, Russia, Rwanda, Sao Tome and Principe, Saudi Arabia, Senegal, Sierra Leone, Somalia, South Africa, South Sudan, Sri Lanka, Sudan, Suriname, Syria, Tajikistan, Tanzania, Thailand, Togo, Tonga, Tunisia, Turkey, Turkmenistan, Uganda, Uzbekistan, Vietnam, Yemen, Zambia, and Zimbabwe.

What is the minimum medical coverage to get a tourist visa to Europe?

Individuals must have European travel insurance with a minimum of $30,000 in emergency medical coverage to get a tourist visa to Europe.

The best travel insurance for Europe should include emergency medical coverage, repatriation and evacuation, baggage protection, and trip delay protection. It’s also a good idea to include trip cancellation coverage in the policy.

What’s not covered by travel insurance for Europe?

Some European travel insurance plans don’t include trip cancellation benefits, but this may be available as an add-on. Other things that aren’t typically included are adventure sports, electronic equipment, and natural disasters.

What is the best travel insurance for Europe?

The best travel health insurance for Europe is Heymondo since it has an excellent price-to-coverage ratio and no deductible. Plus, it is the only company that pays your medical bills upfront, so you don’t have to pay out of pocket and file a claim for reimbursement.

How much is travel insurance to Europe?

The cost of Europe travel insurance can range from $2/day to $7/day or more.

Is travel insurance for Europe worth it?

Yes, European travel insurance is absolutely worth it , whether it’s mandatory for you or not. In addition to emergency medical coverage, you’ll have baggage, trip delay, and repatriation benefits that can save you thousands of dollars.

What happens if I get sick or have an accident in Europe and I don’t have travel insurance?

If you need medical assistance during your trip, you’ll have to pay out of pocket for any care you receive at the hospital or a doctor’s office. If you have a European Health Insurance Card, you can go to a public medical center. You’ll have to pay out of pocket, but you can file a claim for reimbursement once you return to your home country.

What should I do if I have travel insurance and get sick or have an accident in Europe?

If you get sick or injured while abroad, contact your insurer to find out which medical center or hospital to go to. You can go to the nearest public hospital or clinic if you have a European Health Insurance Card.

What is the age limit for getting travel insurance for Europe?

Some insurers have age limits on their policies, such as Heymondo and SafetyWing, which cover individuals up to 69 years old. Other companies have higher age limits or no limits at all.

Can I extend my travel insurance to Europe if I’m already traveling?

The ability to extend your coverage depends on the insurer. For example, SafetyWing policies automatically renew every 28 days until you select an end date. Heymondo allows you to take out a policy if you’re already traveling, but you’ll have to wait 72 hours after purchasing it for it to go into effect.

Does my travel insurance for Europe cover a flight canceled by the airline?

Generally, European travel insurance doesn’t cover flights that are canceled by the airline. If you want this type of coverage, look into Cancel For Any Reason insurance.

I hope this guide helps you find the best travel health insurance for Europe and that you feel better prepared for your trip. Remember, if you need a Schengen visa to enter the Schengen Area, you’ll need proof of insurance to get the visa.

However, even if you don’t need a Schengen visa, it’s still worth getting European travel insurance . It’s always safer to travel with insurance coverage. This way, you can enjoy your trip and have peace of mind knowing you won’t have to pay any medical bills and cancellation fees out of your own pocket.

Again, Heymondo is the best European holiday insurance , offering excellent coverage for a reasonable price and direct, upfront payments for medical expenses. If you decide to buy a policy, take advantage of our 5% Heymondo discount code below.

Stay safe, and have a wonderful time in Europe!

Don't miss a 5% discount on your HeyMondo travel insurance  

and the only one that pays all your medical bills upfront for you!

Ascen Aynat

14 replies on “ 4 Best Travel Insurance for Europe in 2024 ”

Is there a Schengen insurance that covers the UK on the same trip?

Hi Supinda, Yes, with the companies above, you can find European travel insurance plans that cover Schengen countries and the UK.

I wish to travel multiple trips to Europe 4-5 days duration

4-5 trips per year Mostly with my kids

Then I recommend you annual multi-trip travel insurance instead.

Let me know if you have any questions, Ascen

We are a family of four and applying for long term resident visa for Spain. We need health insurance for the visa. What do you recommend?

How long are you planning to stay in Spain. I usually recommend Heymondo, but if you’re staying for long, maybe it’s better to get a health insurance instead of a Travel Insurance,

Thanks, Ascen

Great information. Thank you so much for the information. Amazing services are there. i am very glad to see this blog. in the Schengen visa Itinerary also, providing good services like Flight Itinerary, Hotel Reservation and Travel Insurance are there.

hi Nigeria passport holder want to attend 15 days course in amsterdam Netherland base in Dubai UAE which travel insurance do you recommend for me thanks

I would try this one.

Let me know what you think.

We are a family of five traveling to Italy from the US. We are planning to do some hikes there. Which insurance do you recommend?

If you are going to have any kind of hiking or adventure sport I would go with insuremytrip standard for sure. It is the best insurance for Europe if you plan up to 2000m.

Thanks for this great post! I found all the info I need to decide which is the best travel insurance for my trip to Europe. I hope don’t have to use it though

I am glad to read you! Let me know if you have any question and safe travels!

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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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 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.

The Best Travel Health Insurance Companies for Europe

If you’re traveling to Europe this summer, you will definitely want travel insurance to supplement your trip in case anything goes wrong. These are six of the best travel insurance companies for coverage in Europe.

Photo: Pexels.com

When you’re planning a trip to Europe, half of the fun is working out the details of your itinerary, creating a bucket list of attractions to visit, and mapping out the route you want to take.

It’s easy to forget about the finer details, like travel insurance.

That’s just human nature. Who wants to think about the bad stuff when there’s so much to look forward to?

Travel insurance gives you peace of mind while you’re exploring. It doesn’t matter if you’re planning a relaxing wine tour through Italy or a more adventurous jaunt through Switzerland – being insured means you’ll come home with only awesome memories and not outrageous medical bills.

But there are different types of travel insurance for Europe and the Schengen zone. Here’s how to pick the best one for your needs.

Why You Need Travel Insurance for Europe

So why do you even need travel insurance for Europe, anyway?

It all comes down to a very blunt truth: literally anything could happen while you’re on the road, and you need to protect yourself. It’s truly no different than having health insurance in your home country.

Travelers don’t like thinking about worst-case scenarios, but it’s the responsible thing to do. And a good travel insurance policy covers everything from the smallest stuff – like lost and stolen luggage – to all the big picture items, like natural disasters or broken bones. Yes, even death.

In countries where you’re not a resident, the cost of things like medical bills and emergency evacuation are drastically higher than in your home country (even compared to the US, where those bills are crazy high already). So while you might not like the idea of dishing out money for insurance, you definitely don’t want to return from your trip with hundreds of thousands of dollars in medical expenses.

Note: Depending on your home country, you might need to apply for a Schengen visa. Furthermore, countries outside the Europe Schengen zone may have different visa and travel insurance requirements than member states inside the Schengen zone, including the UK. When in doubt, talk to an agent!

BEST TRAVEL INSURANCE COMPANIES FOR EUROPE 

If you take away just one important thing from this article, let it be this: Europe travel insurance is necessary. Just because these countries are developed and modern doesn’t mean you’re immune to accidents or illness on your travels.

Have a look at the different Europe travel insurance companies and their travel insurance plans.

1. Seven Corners: Best Travel Insurance Policy for Students

So you’ve got your visa application sent off and you’re planning on studying for a semester in Europe. Welcome to one of the best experiences of your life!

It’s likely that you’ll be required to have Europe travel insurance as part of your visa requirements to study abroad (and you may even need to present proof of insurance with your visa application and your visa letter). Regardless, travel health insurance is a must—and Seven Corners is the best.

Seven Corners has three different travel insurance plans specifically designed for international students. Each one is customizable so that you can even change the amount of medical coverage (up to $250,000) as well as the deductible. When you visit the student health center at your school, it’ll only cost you a $5 copay. Trip cancellation and interruption are also covered.

There are tons of options to add as well. For example, if you want to visit family back home while on your holidays, you can add coverage for when you return to the US (or wherever home may be). That means if you get into an accident while you’re at home, you’ll have health insurance coverage.

Get a quote

2. SafetyWing: Best Travel Insurance Policy for Expats & Long-Term Travelers

SafetyWing has incredibly unique travel insurance offerings for long-term travelers/expats.

SafetyWing is a rare gem of a travel insurance company because their plans allow you to have coverage for as long as you want. It works like a subscription, and your plan renews every four weeks automatically (until you cancel).

You’ll get coverage up to $100,000 for travel medical insurance and emergency medical evacuation coverage in 180+ countries. Trip interruption and trip delay coverage is also included (up to $100/day), but trip cancellations are not.

There’s one downside: SafetyWing’s insurance policies will not cover your gear. For digital nomads traveling with laptops, cameras, and other items of high value, this may be a dealbreaker. The good news is that you can add supplemental insurance like InsureMyEquipment to make sure you’ve got complete coverage.

More information

3. World Nomads: Best Travel Insurance Policy for Adventure Travelers

World Nomads is an all-around awesome insurance provider, but especially if you’re an adventurous type. They cover over 300 sports and activities, and their Explorer Plan is catered specifically to those interested in higher-risk activities.

Snowboarding in Switzerland? Diving in the Mediterranean? Competing in an air guitar competition (seriously) in Finland? This is the policy for you.

World Nomads’ plans include up to $100,000 in emergency medical coverage, medical evacuation and repatriation, and coverage for stolen or lost luggage. Bonus: their policies have always provided coverage for pandemics/epidemics, so you’re well covered up to $100,000 in emergency medical for COVID-19 too.

The user experience and customer service with World Nomads is also top-notch. If you’re not completely sure if your activity is covered, definitely speak with an insurance agent about your case.

4. Tin Leg: Best Travel Insurance Policy for Seniors

If you’re a senior ready to leave behind the US and make your dream of Europe travels come true, Tin Leg is the travel health insurance company for you.

Travel insurance requirements can be stringent for seniors, especially if you have pre-existing conditions (or if you’re over a certain age). Tin Leg is unique in that it offers travel insurance for people up to age 90!

Tin Leg has a few different plans, including the Tin Leg Economy policy with basic trip cancellations and medical coverage up to $20,000. That’s a bit low compared to other plans, but the Tin Leg Luxury policy covers people up to $100,000 for emergency medical and $250,000 for emergency medical evacuation and repatriation.

Pre-Existing Condition coverage is also included if your policy is purchased within 15 days of booking your Europe trip.

5. Travelex: Best Travel Insurance Policy for Families

Taking the whole fam on a country-hopping tour of Europe? Travel insurance coverage is a must for the whole gang.

One of the best things about Travelex is that they provide free coverage for all children age 17 and under, as long as they’re traveling with you under a single policy. It doesn’t matter if you have one kid or five…they’re all covered for travel health insurance!

Travelex is a heavy-duty insurer, and although they only have two main plans they also tons of add-on options. The Basic plan covers $15,000 in emergency medical expenses, $100,000 for emergency medical evacuation, and $500 for lost and damaged baggage.

But with their Travel Select plan, your coverage skyrockets: you’ll get $50,000 in emergency medical, $1,000 for lost or damaged luggage, and $500,000 in medical evacuation coverage. You’ll also get 150 percent of your insured trip cost reimbursed if your trip is interrupted.

6. AXA: Best Travel Insurance Policy for Multiple Trips

If you’re addicted to Europe travel, getting covered by Ama’s Multi-Trip Schengen visa travel insurance is a must.

Multi-Trip is an AXA Schengen visa insurance for frequent travelers who plan on making several trips to Europe over one year. That means if, for example, you’re traveling between the US and France all year on business, you don’t have to purchase travel insurance more than once.

AXA offers medical insurance for expenses up to €100,000 ($111,000) for both the Schengen zone as well as other countries outside of Schengen. If your Europe travel takes you to places like Monaco and Liechtenstein, the AXA Multi-Trip Schengen travel insurance is a great option for you.

But before you plan multiple trips all over Europe, make sure you’re aware of the Schengen visa requirements. Citizens of certain countries may need to apply for a visa depending on the country (if you’re a traveler from the US, you likely won’t have to). Visa refusal is never a fun experience, so make sure to include your AXA Schengen visa insurance certificate with your visa application.

If you’re unsure about anything, AXA has some great customer service. When in doubt, give them a call.

EUROPE TRAVEL INSURANCE FAQs 

Now that you’re aware of the different Europe travel insurance options and their different travel insurance policies, let’s make sure you’re clear on everything else travel insurance related.

Is travel insurance necessary in Europe? 

Yes, as soon as you leave the US (or your home country) to visit Europe and the Schengen area, travel insurance is necessary. Travel medical insurance is by far the most important asset for any traveler because those medical expenses will skyrocket if you get sick or injured abroad.

Plus your Schengen travel insurance should also cover things like trip cancellations and interruption. No matter what country you’re visiting, you need to be prepared.

Does travel insurance for Europe also cover the United Kingdom?

It’s important to understand that not all countries are part of the European Schengen area, including the United Kingdom. Your Schengen visa will not apply here, and your European travel insurance may not apply.

Some insurances, like World Nomads, will take into account that you’re traveling all over the European region and that you don’t just need Schengen travel insurance. When you’re requesting a quote online, you can select each destination you’ll be visiting.

You need to check with your travel insurance plan to make sure you’re covered for all your medical expenses and emergency evacuation (as well as anything else you want).

Talk to some travel insurance agents for greater clarity on your options. Europe travel awaits!

How much travel insurance do I need for Europe? 

The amount of travel insurance coverage you need for Europe/the Schengen area really depends on what you’re planning to do. In any case, your insurance plan should at least cover you for up to $100,000 in medical expenses and emergency evacuation.

You’ll also want to consider what kind of expenses you’ll incur if you’re not covered for things like trip interruption, cancellations, and lost/damaged luggage. You can’t often make corrections to your travel health insurance plan after you’ve begun traveling, so make sure you get it right!

Do US citizens need travel insurance for Europe?

Yes, US citizens absolutely need travel medical insurance for Europe, including the Schengen area.

If you’re a US citizen and you get sick or if you’re seriously hurt while in Europe or the Schengen area, you could face crazy high medical expenses. That could mean hundreds of thousands of dollars in medical debt.

Europe travel insurance is a must for any traveler, and that means US citizens too.

What countries are included in Europe travel insurance?

Generally, Europe/Schengen travel insurance will cover all European countries. As mentioned above, insurers know that you’re likely to visit more than one country on your trip.

But do your homework. Some popular European countries aren’t part of the Schengen area, including the likes of Bulgaria, Croatia, and even the United Kingdom. When it comes to insurance coverage, make sure you read the fine print and make any corrections to your policy as needed.

Residents from certain countries other than the US may require a visa as well, and applicants will want to apply well in advance. Bottom line: your travel medical insurance (just like your Schengen visa requirements) may differ depending on where you’re going.

Does my health insurance cover me in Europe?

Depending on the health insurance coverage you have at home, you may have travel coverage for Europe travel too. Keep in mind this is still travel insurance though—you won’t be able to claim expenses for things like cosmetic surgery abroad.

But in general, residents of the US (and residents of other places, for that matter) shouldn’t assume they’re covered.

Pro-tip: review your policy in great detail before you leave, in case you need to make any corrections.

Do I need Schengen visa insurance for Europe?

Many citizens do not need a Schengen visa before traveling to Europe. You’ll need to figure out what the Schengen visa requirements are for your country first. If you’re a US citizen, for example, you do not need to apply for a Schengen visa.

Applying for a visa can be a daunting experience for some citizens, but the online process for applicants is pretty straightforward. Absolutely make sure you have proof of your Schengen visa travel insurance secured beforehand (like the AXA Schengen visa insurance certificate mentioned earlier), and include it with your visa letter and visa application.

Once you’ve received your Schengen visa, you’re good to go.

Now it’s time—are you ready to see Europe?

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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).

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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New Schengen Visa rules: Know changes in travel, insurance trends; senior citizens visiting Europe shoots up by 100%

New schengen visa rules ushered in significant changes in travel and insurance trends, with those aged 70 and above visiting schengen destinations doubling. in the upcoming season, 82% of travellers to europe will visit france, switzerland, italy, germany, netherlands, and spain..

New Schengen Visa rules have resulted in a doubling of Europe-bound senior citizens, a survey by insurance broker Policybazaar.com revealed. The new Schengen Visa rules, announced on April 18, have also spurred significant changes in travel insurance trends over the past few days, including a 3-4 per cent surge in users who booked travel insurance policies, as per the Policybazaar survey.

Travellers to Schengen destinations aged 70 and above have doubled compared with last year's figures. A significant rise in travellers declaring pre-existing diseases was also noted.

The most sought-after add-ons for travel insurance included coverage for baggage or loss of belongings, trip cancellation, adventure sports coverage, and pre-existing disease (PED) coverage, as per the report.

Also read: New Schengen visa rules for Indians: This is how you can get multi-entry two-year visa for 29 European countries

Manas Kapoor, business head of Travel Insurance at Policybazaar.com, pointed out a surge among Europe-bound travellers who booked long-term travel insurance, after the new visa rules came into effect.

The survey noted a 3-4 per cent surge in users who booked travel insurance policies for travels that exceeded 45 days in April 2024. “This trend is expected to rise further due to the relaxed visa norms," Manas Kapoor pointed out.

In the upcoming summer season, 82 per cent of Indian travellers to European countries will be visiting popular destinations like France, Switzerland, Italy, Germany, Netherlands, and Spain, according to the survey.

The survey found a 15 per cent rise in travellers to Europe who declared pre-existing conditions including Diabetes and Hypertension, compared with last year's figures.

Also read: Indians can now apply for multiple entry Schengen visa with longer validity. Check details

But a 40% plunge was recorded in number of travellers buying travel insurance products in Euros.

The new Schengen visa regime entails a stark departure from previous rules. Previously, Indians who wished to travel to one or more European countries were granted Schengen visas for a maximum of three months.

Also read: Schengen visa fee hike: Here’s how costly your trip to Europe can get

Under the new regime, Indians will be granted Schengen visas for two years, thus facilitating their entry to any of the 29 European countries multiple times. This two-year validity is further extendable by 5 years under the ‘cascade regime’. This means Indian tourists can travel and stay in any of these European countries as visa-free nationals for a longer period.

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Europe On Your Mind? New Schengen Visa Rules Boost Travel Insurance Among Indian Travellers

Reported By : Namit Singh Sengar

Last Updated: May 01, 2024, 15:59 IST

New Delhi, India

With a single Schengen visa, you can visit all the Schengen Area countries. You don't need a separate visa for each country. (Representative image)

A Schengen visa is a permit that allows you to travel throughout the Schengen Area, which consists of 29 European countries

The revised Schengen visa regulations, offering frequent Indian travellers the opportunity to obtain multi-year visas spanning up to 5 years, are poised to bolster outbound travel from India to European destinations. Also, this will lead to a gradual increase in European travellers booking long-term travel insurance.

A Schengen visa is a permit that allows you to travel throughout the Schengen Area, which consists of 29 European countries that have gotten rid of most of their border controls.

Also Read: Affordable Health Insurance Sees High Demand, Employer Policies Not Sufficient: Report

With a single Schengen visa, you can visit all the Schengen Area countries. You don’t need a separate visa for each country.

Under the recently implemented visa cascade system for India, Indian citizens are eligible to receive extended multi-entry Schengen visas lasting for two years, following the lawful utilisation of two visas within the preceding three years.

Throughout these visas’ validity, individuals from India can enter and exit Schengen countries on multiple occasions without requiring additional visas.

Travel Insurance Gets Boost

According to the latest data shared by Policybazaar, there is already a 3-4% increase in users booking travel insurance policies exceeding 45 days in April 2024, a trend expected to rise further due to the relaxed visa norms.

The insurance marketplace also shared that Schengen destinations also see a 100% jump in senior citizen travellers and a notable uptake in travellers declaring pre-existing diseases.

According to Policybazaar’s data, a whopping 82% of Indian travellers are drawn to destinations like France, Switzerland, Italy, Germany, Netherlands, and Spain in the upcoming season.

Policybazaar’s data indicated that travellers to Schengen destinations aged 70 and above have doubled in number since FY23. Interestingly, the proportion of Indian travellers aged 31-45 visiting Schengen countries has also increased compared to last year.

Not just this, this year also saw a notable 15% increase in travellers declaring pre-existing conditions (like Diabetes, Hypertension, etc) when travelling to Europe as compared to last year.

Also, this year, the travellers have shown a remarkable interest in selecting appropriate add-ons for their travel insurance. Riders covering baggage or belongings loss, trip cancellation, adventure sports coverage, and pre-existing disease (PED) coverage emerged as the most sought-after add-ons for travel insurance.

Another intriguing trend noticed was a 40% drop in users buying travel insurance in Euros, which can be attributed to the fact that embassies now accept coverage in dollars. This trend indicates a growing level of consumer awareness and knowledge.

Meanwhile, Europe’s embrace of the more advantageous visa regulations arrives just as the summer holiday season approaches, promising to stimulate the flow of Indian travellers to these destinations.

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Best travel insurance plans for 2024: a unique and comprehensive list for travelers from international citizens insurance.

Including the Best Plans for Seniors, Global Nomads, Visitors to the USA, Pets, Adventure Sports Addicts and More

BOSTON, MA / ACCESSWIRE / May 2, 2024 / International Citizens Insurance, a leading international insurance broker, has announced the best travel insurance plans for 2024 summer travel. As the cost of airfare and hotels continues to rise along with the increase in flight delays and cruise cancellations, this list could not have come at a better time for travelers looking to protect their travel plans and their finances.

"This summer's travel season promises a high level of demand, increasing costs, and a strong potential for travel disruptions due to political unrest, weather, and other factors," said Joe Cronin, President of International Citizens Insurance. "Our clients want travel insurance they can trust to help them if they suffer a cancellation, a medical emergency, lost luggage, a natural disaster, or have to change plans due to unforeseen events. With this list, they will be able to find the best overall travel insurers as well as the right plans for their individual needs."

International Citizens Insurance judged each company and plan on six key criteria: the user-friendliness of their site, the ease of policy purchase, the number of countries plans are offered in, how extensive the benefits are, the ease of making a claim and the quality of the company's customer service. The most trusted insurers include WorldTrips , who made history as one of the first insurers to offer plans for purchase over the internet; GeoBlue Travel Insurance , which supports seniors with coverage for people up to 84 years old; and Trawick International, which offers coverage for over 500 adventure sports activities.

To help customers find the best insurance for their specific needs, International Citizens Insurance has also identified the best insurance for several use cases, including Cancel for Any Reason (CFAR) insurance, travel medical plans, and insurance with coverage for pets. International Citizens Insurance has also identified the best plans for clients with special needs, including seniors, missionaries and volunteers, U.S. citizens abroad, and digital nomads.

In today's unpredictable world, travel insurance has become the most essential accessory for any international traveler. Travelers want trip cancellation insurance to protect their trip and travel medical insurance plans to protect their health. But with so many companies out there, which ones can you trust?

Learn more about the best travel insurance companies at https://www.internationalinsurance.com/travel-insurance/best-companies.php .

About International Citizens Insurance

International Citizens Insurance is the insurance division of International Citizens Group. We provide educational content, reviews, and unique comparison engines that enable travelers and expatriates to research, quote, compare, and purchase global life, travel, and international health insurance from various carriers.

Contact Information

Joe Cronin President [email protected] 617-500-6738

Andrew Blomberg Vice President, Global Group Benefits [email protected] (339) 221-5190

SOURCE: International Citizens Insurance

View the original press release on newswire.com.

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• New ISA rules were supposed to help savers - right now they've just made everything more complicated

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Pint-sized bottles of wine will be allowed on UK shelves from autumn under new post-Brexit trade rules - although doubts have been raised over their demand.

Seven changes to pre-packaged wine sizes are due to come into force on 19 September.

The move to introduce the 568ml size of wine, to sit alongside 200ml and 500ml measures already available, was announced in December and hailed by ministers as a Brexit "freedom".

Pint bottles of Champagne were sold in the UK before Britain joined the European Common Market and were on shelves until 1973.

Read more here ...

JD Sports has told head office staff they must return to the office at least four days a week .

The new amendment to the hybrid working policy will be effective from 1 July and will impact employees at the retail chain's head office in Bury, Retail Gazette reports.

However, the chain will still allow flexibly depending on individual roles.

Pubs could stay open late during the Euros this summer, according to The Sun .

Home Secretary James Cleverly hinted he was looking into extending pub opening hours for the tournament on The Sun show Never Mind The Ballots.

He said: "I will certainly look into it."

We've been bringing you news of plenty of bank switch deals offering free cash these past few months, but Virgin Money has a different kind of incentive for switchers - a 12% interest rate. 

People who switch to its M Account, M Plus Account or Club M Account will be able to get bonus interest rates of 10% gross/10.47% AER (fixed). 

This is on top of the 2% gross/2.02% AER (variable) interest rate already offered on current account balances up to £1,000 - meaning customers can get an interest rate of 12%. 

No other savings accounts offer interest rates this high, and the bonus applies for a year.

TikTok will restore millions of songs to its app after settling a royalty dispute with Universal Music Group. 

Users had been unable to make videos featuring songs from the likes of Billie Eilish and Ariana Grande due to a row over how much TikTok was paying. 

The fight had led to Universal withdrawing music from some of the world's most famous singers. 

The dispute appears to have been settled as the companies announced "improved remuneration" for artists.

More than 10,500 black cab drivers in London have launched a £250m legal case against Uber. 

They accuse the app of breaking the capital's taxi booking rules and deliberately misleading authorities to secure a licence. 

Transport for London (TfL) rules state drivers cannot take bookings directly from customers and must instead use a centralised system. 

The drivers, who are being advised by law firm Mishcon de Reya, argue they have faced unfair competition from Uber and that it knowingly broke these rules. 

Uber has denied these allegations and said the claims are unfounded.

The company has faced numerous challenges in London, including refusals from TfL to renew its licence which were later successfully appealed. 

Billie Eilish fans are complaining about "outrageous" ticket prices for her Hit Me Hard and Soft tour.

The 22-year-old singer unveiled an 81-date tour programme this week, sending fans rushing to secure tickets.

But some expressed disbelief on social media at the prices.

"I know I moan about this all the time, but look at the price of Billie Eilish tickets," one fan called Marianne wrote on X, sharing a screenshot of seated tickets priced at £398.50. 

"Something seriously needs to be done about ticket prices, it's f*****g outrageous!" 

Another complained they had paid less for Taylor Swift's Eras Tour, which was also criticised for high ticket prices.

A fan called Liv tagged Eilish, Live Nation and Ticketmaster, writing: "Are you ok? £145 for standing tickets is atrocious."

Thousands of people who receive government benefits, including Universal Credit, will be paid as early as tomorrow.

This is because there's a bank holiday coming up on 6 May which will affect benefits paid by both the Department for Work and Pensions (DWP) and HMRC (they don't pay benefits on bank holidays).

A statement on the government website reads: "If your payment date is on a weekend or a bank holiday you'll usually be paid on the working day before. This may be different for tax credits and child benefit."

Here are the 11 different government benefits that are expected to be paid early:

• Universal credit;
• State Pension;
• Pension Credit;
• Disability Living Allowance;
• Attendance Allowance;
• Carer's Allowance;
• Child Benefit;
• Income Support;
• Jobseekers Allowance;
• Personal Independence Payment;
• Tax credits (such as Working Tax Credit)

Will your benefit payment change?

No, you'll be paid the same amount you usually receive.

Benefits are usually paid straight into your bank, building society or credit account.

Goldman Sachs is removing a cap on bonuses for London-based staff, paving the way for it to resume making multimillion pound payouts to its best-performing traders and dealmakers.

Sky News can exclusively reveal the Wall Street banking giant notified its UK employees today that it had decided to abolish the existing pay ratio imposed under European Union rules and which the government recently decided to scrap.

In a video message to staff, Richard Gnodde, chief executive of Goldman Sachs International, which comprises its operations outside the US, said it had decided to bring its remuneration policy in Britain in line with its operations elsewhere in the world.

"We are a global firm and to the extent possible we adopt a consistent global approach across everything we do," Mr Gnodde said in the message, which has been relayed to Sky News.

"The bonus cap rules were an important factor preventing us from being consistent in the area of compensation."

Aldi's market share has fallen - as people seemingly head back to traditional supermarkets for their shopping.

Aldi's share of the grocery market slipped from 10.8% to 10.4% in the 12 weeks to 20 April.

NIQ data shows sales rose just 1.3% in the period - for Morrisons it was 4.4%, Tesco 5.8% and Sainsbury's 6.6%.

Asda was the laggard with sales falling 0.9%.

Ocado is the fastest growing retailer with sales up 12%.

Aldi's rival discounter, Lidl, saw sales surge 9.5%, bumping its market share up to 8.2%. Media campaigns highlighting new ranges helped, NIQ said.

A Santander online outage is affecting thousands of UK customers.

Over 2,000 reports have been made on Downdetector - indicting the issue is widespread.

Customers have been met with messages like this...

Santander wrote on X: "We are aware some customers are experiencing issues accessing online services, we apologise for any inconvenience this has caused.

"We're working hard to resolve this as soon as possible."

Following on from our previous post, and the OECD also says the UK will grow more slowly next year than any other major advanced economy.

It puts this down to stealth taxes and high interest rates squeezing the economy.

The organisation, which is based in Paris, downgraded its forecasts for GDP to 0.4% this year and 1% in 2025.

In February, the UK had been in the middle of the rankings with forecast growth of 0.7% this year and 1.2% next.

The OECD pointed to the fact "tax receipts keep rising towards historic highs" - with National Insurance cuts not offsetting the additional burden Britons are feeling due to tax thresholds not rising along with inflation due to a government freeze.

Some good news is expected for UK workers as the OECD said there will be "stronger" wage growth when inflation is factored in against pay.

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