Schengen Visa Travel Insurance Requirements (2023)

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Schengen travel insurance is designed to cover your medical costs while you are visiting the European countries included in the Schengen Zone.

Depending on the policy you choose, travel insurance can also protect you from losses due to trip disruptions, such as a delayed flight, if you need to cut the trip short, or personal liability.

Is Travel Insurance Mandatory for Schengen Visa?

Yes, if you need a visa to travel to Europe, then you will have to get travel insurance because it is a mandatory part of the visa application process. Simply said, if you do not have a valid insurance policy, then the Embassy will automatically reject your request for a visa.

On the other hand, if you do not need a visa to travel to the Schengen Area, then it is not strictly necessary to be insured (although it is still highly recommended!).

(Video) Which do I choose? International Travel Insurance | Schengen Visa Requirements

Also read: List of countries that require travel insurance.

Schengen Visa Insurance Requirements

The Schengen visa travel insurance plan must meet these requirements:

  • It should cover at least €30,000 for medical expenses and emergency evacuation.
  • It should be valid in all 26 countries in the Schengen Zone.
  • It should be valid for the entire duration of time you are in Europe.

Luckily, because it is required at Embassies for the visa application, most insurance companies offer policies designed specifically to meet these requirements.

Companies such as Europ Assistanceand MondialCare offer travel insurance certificate that is required by Embassies when applying for a Schengen visa.

Proof of Purchased Health Insurance for Schengen Visa

When you apply for a visa, the Embassy will ask to see proof of purchased Schengen travel insurance. This usually goes by the name of “travel insurance certificate” and your insurance company will give it to you when you subscribe to one of their plans.

If the Embassy you apply to has certain specific requirements about the insurance certificate, then just contact your insurance company and they will most likely give you a certificate suited to your situation.

(Video) How to Choose the Right Schengen Visa Travel and Medical Insurance

What Should the Schengen Travel Insurance Plan Cover?

Make sure your plan covers:

  • Cost of medical treatment. This includes:
    • In-patient and out-patient medical treatment.
    • Doctor visits.
    • Hospitalization.
    • Surgery.
    • Prescription medication.
    • Emergency dental care.
  • Cost of repatriation or evacuation. If you become gravely ill or get into a serious accident which requires medical attention from your home country, then travel insurance covers the cost of repatriation. It also covers repatriation in the event of death.

This is what a basic policy has to cover to be valid for a visa application. However, some insurance companies also offer additional, more comprehensive coverage, such as insurance for your trip or liability.

What Other Liabilities Are Covered in My Travel Insurance Policy?

Other than the basic Schengen travel health insurance (for medical and repatriation costs), some insurance companies will also cover other liabilities and risks associated with the trip, such as:

  • Assistance in the event of illness.For example, if you get sick, the insurance company pays for someone to travel to be with you (their flight ticket, hotel stay, etc).
  • Trip cancellation.If you need to cut your trip short due to unforeseen circumstances, then the insurance policy will reimburse some of your prepaid expenses.
  • Flight delay.If your flight is delayed, the insurance company will cover food and accommodation expenses as you wait for another flight, but only for long delays.
  • Loss/theft of baggage.If your baggage is damaged, lost or stolen (through no fault of your own) the insurance company
  • Personal liability abroad.If you cause personal injuries to someone or property damage while you are in Europe, the insurance company covers some of the cost.

What Does Schengen Insurance Not Cover?

In most cases, you will not have travel insurance coverage in the following situations:

  • If you need medical treatment due to a pre-existing condition such as diabetes, cancer, or any lingering previous injuries.
  • Medical treatment that is not an emergency.
  • If you need medical attention as a result of intoxication (alcohol or drug consumption).
  • If you need medical attention because you took part in adventurous or extreme sports, such as bungee jumping, motor racing, etc.
  • If you need medical attention as a result of a natural disaster.
  • If you have travelled to an area that is considered high risk (there is conflict, political unrest, an epidemic, etc).

What Are the Companies Offering the Best Schengen Visa Insurance?

Here is a list of companies offering the best travel insurance for Schengen Visa:

  • Europ Assistance.
  • MondialCare.
  • Insubuy.
  • AXA Schengen.
  • Dr-WALTER.
  • Bupa.
  • Allianz.

How To Buy Schengen Visa Insurance?

Most insurance companies operate online, so you can simply purchase a travel insurance plan directly from their website. To purchase one, visit the company website, look for the “Get a Quote” or “Start Now” button, and:

  1. Complete the online application form. You have to give your name, nationality, age, destination, and the dates of travel.
  2. Select which plan you want. There is usually more than one plan available. You can read the benefits of each plan to find one suited to your needs. For example, if you purchase through Europ Assistance one of the leading insurance companies, there are two available policies you can subscribe to.
  3. Make the payment. You can usually pay by a credit/debit card or through PayPal. The cost of the insurance plan depends on the information you provided (age, length of trip) as well as the plan you chose.
  4. Download and print the Insurance Certificate. You need this to hand in to the Embassy when you apply for a visa. It will be in PDF format.

Other options

Even though purchasing travel insurance online is the easiest and most convenient option, there are other methods as well:

  • Through a local insurance company.You can just visit the offices of an insurance company in your country, request a Schengen insurance policy, and purchase one.
  • Through your tour agency.If you will visit Europe via an organized tour, the agency may offer you a complimentary insurance policy added to the overall price. Be mindful of these offers, because they may inflate the price of the policy and not give you adequate coverage. If you have the option, always read the policy beforehand – and if you don’t like it, see if you can opt-out.

How Do I Get Schengen Visa Insurance From the USA?

If you are from the USA, you can get travel insurance for your trip to Europe in the same way as everyone else – by purchasing a plan online. Companies like Europe Assistance or MondialCaremake it possible to subscribe to travel insurance through their website and get the Insurance Certificate as a downloadable, printable, electronic file. If you need a visa, you can just submit this Certificate to the Embassy.

(Video) Schengen Visa Travel insurance | how to buy a travel insurance for Schengen visa | Travel Insurance

How Exactly Does Travel Medical Insurance Work?

Travel health insurance protects you from financial losses as a result of medical emergencies while you are visiting Europe. If you have a valid insurance policy during your trip, then when you seek medical attention, the insurance company will take over the costs. There are two ways it usually works:

  1. The hospital sends the bill directly to the insurance company. You do not need to pay anything upfront.
  2. You pay the bill yourself, then make a claim with the insurance company to reimburse you. Make sure to save the bill you receive from the hospital.

If you are in an emergency situation, make sure to contact the assistance center as soon as you can so that they can help you or inform you on how to proceed.

How Much Does Schengen Medical Travel Insurance Cost?

There are three main factors which affect the price of your travel insurance policy:

  1. Your age.The cost of the insurance policy increases along with your age. For example, older individuals (especially over the age of 60) have to pay higher premiums for the same insurance plan than someone who is younger.
  2. The duration of your trip.Usually, insurance companies calculate the cost of the policy on a daily basis. So, the longer you plan to stay in Schengen, the higher the price of your policy.
  3. The maximum coverage limit.There are usually 2-3 insurance plans you can choose from, regardless of the insurance company. As such, the basic plan with health insurance coverage of up to €30,000 will be cheaper than the one with maximum coverage of up to €100,000 or more.

However, Schengen insurance is not usually too expensive in comparison to the overall price of the trip. For a one-week trip, in general, you would pay between €20 to €50, depending on the policy.

Should I Purchase Schengen Health Insurance If I Have Domestic Insurance?

Yes, you do. If you have domestic insurance (for example, you are an American citizen travelling within the US.), but you also plan to travel to Europe, then you will have to get a Schengen visa insurance plan to cover you abroad. Domestic insurance plans have coverage only within the country they were purchased in, and do not cover international travel.

Can I Get a Refund If My Schengen Visa Application Is Refused?

Many companies offer you a refund of your insurance policy if you do not receive a Schengen visa, but not all. Usually, you can learn whether or not you can get a refund by looking at the FAQ section on a company website, or by contacting them directly.

(Video) How to get SCHENGEN VISA TRAVEL HEALTH INSURANCE (2022)#schengenvisa#schengen#travel

Does Schengen Medical Insurance Cover me for Countries That Are Not Part of the Schengen Area?

Usually, Schengen insurance is aimed only at the countries within the Schengen Area. However, if you plan to travel somewhere outside the Schengen Zone, you can get an international travel insurance plan or an additional insurance plan aimed specifically at those countries.

Will I Get Covid-19 Coverage When Buying a Schengen Visa Travel Insurance?

If you get sick with Covid-19 while traveling, most travel insurance companies will cover your medical costs only if you follow the travel recommendation set by your country or the destination country, as well as those by the World Health Organization.

In other words, if you visit a place which has travel bans in place or a high number of Covid-19 infections, then you likely do not have coverage for coronavirus.

Travel Insurance for Countries in Europe

  • Germany Travel Insurance
  • France Travel Insurance

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FAQs

What type of insurance is required for Schengen visa? ›

A minimum coverage of medical costs: at least 30,000 EUR (equivalent to 29,500 USD as of October 2022). It should cover all member states of the Schengen Area. Cover any expenses which might arise in connection with repatriation for medical reasons, urgent health attention and/or emergency hospital treatment or death.

Is it necessary to have travel insurance for Schengen visa? ›

Schengen visas require applicants to have a certain level of travel insurance with health cover. This will continue to be the case for applicants who are resident in EU/EEA countries.

What type of insurance do I need to travel to Europe? ›

Getting Medical Insurance for Europe

Any international should mean a purchase of travel medical insurance. While traveling in Europe, your U.S. health plan (including Medicare) likely does pay for medical expenses like hospital bills, ambulance costs or doctor visits if you require medical attention.

Do I need travel insurance to travel to Europe? ›

Do I need travel insurance to go to Europe? While it is not a legal requirement to have travel insurance for Europe, the UK Foreign, Commonwealth and Development Office (FCDO) recommends holidaymakers take out a policy, even if they also have the European Health Insurance Card (EHIC).

Do I need to show my travel insurance at the airport? ›

No, it's not essential to take copies of your travel insurance documents with you. It's a good idea though to jot down your policy number and, more importantly, have our 24 hour assistance telephone number with you, so you can contact us if you need our help while you're away.

Is it mandatory to have travel insurance? ›

Is travel insurance a legal requirement? While you're not legally required to have travel insurance, the pandemic has prompted several countries to add travel insurance to their entry requirements. Some require cover for COVID-19 and other countries require cover for all medical costs.

How long is Schengen visa travel insurance? ›

Schengen Visa Guide and Travel Insurance. Please note that this policy is not applicable for more than 90 days on an immigrant visa. Kindly ensure your travel duration is 90 days or less. Please note that this policy is not applicable for more than 180 days on a non-immigrant visa.

How much is travel medical insurance to Europe? ›

Travel medical insurance cost is relatively low and is determined by various factors. However, a typical plan can range from as little as $4.31 per person per week and upwards of $100 for a short trip abroad.

Do I need travel insurance to fly to Spain? ›

Your trip to Spain doesn't require travel insurance, but it'll give you peace of mind that you're covered whatever activities are on your agenda. Your policy should cover travel to Europe, your planned activities, plus unexpected or expensive situations, for example: If you seek medical care or emergency treatment.

Is AXA insurance good for Schengen visa? ›

Another insurer, AXA, offers coverage of medical expenses up to 100,000 Euros (roughly $118,600) for up to 180 days. It's valid in Schengen countries and non-Schengen countries in the European Union, along with Great Britain, Liechtenstein, San Marin, Andorra, Monaco and Vatican City.

How much travel medical insurance is enough? ›

To cover these high costs, we typically recommend that travelers and students purchase medical evacuation and repatriation coverage of about $50,000 – $100,000. If you are traveling to remote locations, you should consider coverage closer to $250,000 or more.

How much is travel health insurance? ›

The average cost of travel insurance is 5% to 6% of your trip costs, according to Forbes Advisor's analysis of travel insurance rates. For a $5,000 trip, the average travel insurance cost is $228, and the range of rates is from $154 for a basic policy up to $437 for a policy with generous coverage .

What do I need in travel insurance? ›

Your travel insurance should always include the following cover:
  • medical expenses and cover for getting you home if you're injured or fall ill abroad.
  • personal injury and cover for accidents or damage caused by you.
  • cover for lost or damaged items.
  • cover for lost or delayed baggage.

What insurance do I need? ›

Home or property insurance, life insurance, disability insurance, health insurance, and automobile insurance are five types that everyone should have.

Is it too late to get travel insurance? ›

When Is It Too Late to Buy Travel Insurance? In general, you can buy coverage any time before the date of your trip. That said, it's always best to buy coverage as soon as you make your reservations.

Can I buy travel insurance once my trip has started? ›

In most cases, you can still buy last-minute travel insurance right up until the day you leave. So, even if it's departure day and you're not insured, it's not too late to get cover.

Can I buy travel insurance on the day I leave? ›

In many cases, you can buy travel insurance if you're traveling soon — even if you're leaving tomorrow! But there are downsides to buying at the last minute, such as not being able to get certain benefits.

Is travel insurance a good idea? ›

Though you may pay 5 to 10 percent of your trip cost for travel insurance, travel insurance is often worth the investment for its potential to help reimburse you for hundreds of thousands of dollars of covered travel-related expenses like emergency evacuation, medical bills, and costs related to trip cancellation and ...

Do you need travel insurance to travel to Germany? ›

Germany travel insurance is a mandatory health insurance plan for travellers and visitors that covers your medical needs while in Germany. This insurance should have a minimum coverage of €30,000 and apart from Germany, it should also be valid in other Schengen countries.

Who is the best travel insurance company? ›

Best Travel Insurance Companies of 2022
  • Best Overall: Travelex.
  • Runner-Up, Best Overall: Allianz Travel Insurance.
  • Best Value: InsureMyTrip.
  • Most Comprehensive Coverage: World Nomads.
  • Best for Seniors: HTH Travel Insurance.
  • Best for Cruises: Nationwide.
  • Best for Medical Coverage: GeoBlue.

Do UK citizens need travel insurance for Europe? ›

When you travel to an EU country or Switzerland you should have either: a UK Global Health Insurance Card ( GHIC ) a European Health Insurance Card ( EHIC )

Is AXA insurance good for Schengen visa? ›

Another insurer, AXA, offers coverage of medical expenses up to 100,000 Euros (roughly $118,600) for up to 180 days. It's valid in Schengen countries and non-Schengen countries in the European Union, along with Great Britain, Liechtenstein, San Marin, Andorra, Monaco and Vatican City.

How long is Schengen visa travel insurance? ›

Schengen Visa Guide and Travel Insurance. Please note that this policy is not applicable for more than 90 days on an immigrant visa. Kindly ensure your travel duration is 90 days or less. Please note that this policy is not applicable for more than 180 days on a non-immigrant visa.

How much travel medical insurance is enough? ›

To cover these high costs, we typically recommend that travelers and students purchase medical evacuation and repatriation coverage of about $50,000 – $100,000. If you are traveling to remote locations, you should consider coverage closer to $250,000 or more.

Do I still need a EHIC card 2022? ›

The free European Health Insurance Card (EHIC) is being phased out following the Brexit deal in favour of the also free Global Health Insurance Card (GHIC). You can still use an EHIC for now, but if you've not got one, you'll normally need to apply for a GHIC.

Do I need travel insurance from UK to Spain? ›

It's important to take out appropriate travel insurance for your needs. A GHIC or EHIC is not an alternative to travel insurance and you should have both before you travel. It does not cover all health-related costs, for example, medical repatriation, ongoing medical treatment and non-urgent treatment.

What do I need in travel insurance? ›

What should travel insurance cover?
  • Medical expenses if you're injured or fall ill while you're away.
  • The cost of bringing you home if you're injured, become unwell or have a fatal accident.
  • Lost or stolen passports, travel documents or money.
  • Lost, damaged or delayed baggage.
8 Jul 2022

How much does Schengen insurance cost? ›

Plans start from ₹50 per day*

Is Covid insurance required for Schengen visa? ›

Yes, Pakistani citizens/residents applying for a Schengen visa to visit Europe must buy a travel medical insurance policy that covers all Schengen countries: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta ...

Is AXA accredited for Schengen? ›

A requirement for obtaining a Schengen Visa is to have insurance covering you in all states in the Schengen Area up to medical costs of €30,000. The easiest way to do this is to obtain Schengen travel and medical insurance from an accredited provider, such as AXA, which is the leading brand for this type of insurance.

How much money do I need to show in my bank account for Schengen visa? ›

According to the European Commission, if you want to enter France by applying for a France Schengen Visa, you must attest to financial sufficiency of at least 120 EUR per day. However, if you can prove that you have already paid for your accommodation in France, you only must have at least 65 EUR per day.

Is Schengen travel insurance refundable? ›

No matter the situation – flight delays, trip cancellation, missed flights, lost passport, and even bounced bookings – Schengen travel insurance will have your back and refund the amount as per the set limits in the insurance policy document.

How much is travel medical insurance to Europe? ›

Travel medical insurance cost is relatively low and is determined by various factors. However, a typical plan can range from as little as $4.31 per person per week and upwards of $100 for a short trip abroad.

What travel insurance does not cover? ›

Travel insurance policies typically exclude epidemics and pandemics. According to Allianz Global Assistance, a travel insurance provider, "Trip cancellations and trip interruptions due to known, foreseeable, or expected events, epidemics, or fear of travel are generally not covered."

Can you buy just medical travel insurance? ›

Travel medical insurance is offered either as part of comprehensive travel insurance plans or can be purchased as a stand alone plan. Travelers refer to these most commonly as travel health insurance plans, while the providers refer to them as travel medical.

Who is the best travel insurance provider? ›

Best Travel Insurance Companies of 2022
  • Best Overall: Travelex.
  • Runner-Up, Best Overall: Allianz Travel Insurance.
  • Best Value: InsureMyTrip.
  • Most Comprehensive Coverage: World Nomads.
  • Best for Seniors: HTH Travel Insurance.
  • Best for Cruises: Nationwide.
  • Best for Medical Coverage: GeoBlue.

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