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Travel Insurance for Schengen Visa: A Comprehensive Guide

Updated: September 8, 2023

Travel insurance for Schengen visa

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?

Schengen visa travel insurance requirements from Spain Embassy

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?

VisitorsCoverage Europe Travel Plus insurance for Schengen visa

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?

Schengen visa letter from VisitorsCoverage

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.


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.


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 . 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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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:

travel health insurance shengen visa

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?

licensed agents available

Need Help Choosing a Plan?

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

Europ Assistance

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

travel health insurance shengen visa

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.

travel health insurance shengen visa

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.

travel health insurance shengen visa

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. ​

travel health insurance shengen visa

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 .

travel health insurance shengen visa

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€
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5 Tips for Buying Schengen Visa Travel Insurance

Carissa Rawson

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

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 or (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

Chase Sapphire Reserve Credit Card

on Chase's website

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

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

Chase Sapphire Preferred Credit Card

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

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

Chase Southwest Rapid Rewards® Plus Credit Card

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.

travel health insurance shengen visa

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Schengen Visa Travel Insurance (2024 Guide)

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

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

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

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

Which Insurance Provider is Best for Schengen Visa?

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

Why Trust MarketWatch Guides

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

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Is Insurance Required for a Schengen Visa?

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

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

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

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

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

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

Schengen Visa Insurance Requirements

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

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

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

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

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

Types of Travel Insurance Policies

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

Here is a look at the different travel insurance coverages.

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

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

Choosing the Right Schengen Visa Insurance

There are several factors to consider when selecting travel insurance.

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

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

Here are six reputable insurers to consider.

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

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

Applying for Schengen Visa with Travel Insurance

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

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

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

Additional Expert Tips

There are some other considerations for Schengen visa insurance.

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

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

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

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Frequently Asked Questions About Schengen Visa Insurance

Do you need travel insurance to visit schengen countries.

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

Is Schengen travel insurance refundable?

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

Does travel insurance cover all of Europe?

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

What are the benefits of Schengen visa insurance?

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

travel health insurance shengen visa

Schengen Travel Insurance: Requirements 2023

Last Updated : 13 Apr 2024

Last Updated : 13 Apr 2024 at

30-Second Summary

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

These are the Schengen EU travel insurance requirements:

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

Coverage must extend to all Schengen Area member states.

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

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

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

What is Schengen Travel Insurance?

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

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

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

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

Who Is Required To Purchase European Travel Health Insurance?

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

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

Why Is It Required?

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

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

Benefits of Schengen Travel Insurance

Having Schengen travel insurance offers numerous advantages, including:

Peace of mind knowing you're financially protected.

Access to quality healthcare services.

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

Schengen Visa Insurance Requirements

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

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

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

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

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

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

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

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

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

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

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

Choosing the Right Insurance Plan

Selecting the right insurance plan requires careful consideration:

Factors to Consider

Coverage limits : Ensure the plan covers your anticipated expenses.

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

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

Comparing Insurance Providers

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

Tailoring the Plan

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

Cost Considerations

Shop around : Compare quotes from different insurance providers.

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

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

What Companies Offer Schengen Travel Insurance?

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

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

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

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

What Is The Cost Of Schengen Insurance?

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

AXA Schengen's premium travel insurance prices

Seniors Traveling to Europe Should Get Travel Insurance

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

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

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

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

For Seniors Over 75, the Best Schengen Travel Insurance Plans

Travel insurance prices for seniors on AXA

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

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

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

What is Typically Included in a Schengen Insurance Policy?

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

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

Emergency evacuation.

Repatriation of remains.

Return of a minor.

Accidental death, injury, or disability benefits.

Overseas funeral expenses.

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

How to Discover The Cheapest Travel Insurance For Schengen Visa?

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

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

How to Include Travel Insurance in Your Visa Application?

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

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

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

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

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

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

Government Sources

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


Frequently Asked Questions

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

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Schengen visa for the Netherlands

October 8, 2023 by Editorial office

Schengen visa health insurance

Schengen visa health insurance

What kind of insurance do I need for a visa application for the Netherlands?

Allianz Travel Risk Insurance

Take out Allianz Travel Risk Insurance for your foreign guest now!

√ Meets all requirements for a Schengen visa.

√ Medical costs covered up to € 30.000. Repatriation: all necessary costs.

√ You can change the policy in the meantime free of charge.

√ VISA GUARANTEE: You don't pay anything if your visa is rejected.

√ The certainty of the largest travel insurer in the world: Allianz Global Assistance.

Premium from € 2 per day

To apply for a Schengen visa for the Netherlands, you must have a medical travel insurance or have health insurance. This insurance reimburses medical costs you incur in the Schengen area. View the insurance requirements. 

Discover the carefree way to the Netherlands with the Allianz Schengen visa health insurance! Whether you come for a quick trip or book an extended stay, this insurance opens the doors to the Netherlands and Europe.

Do you not have a European passport and do you dream of the Dutch canals, the tulip fields or discovering Europe's charm? A Schengen visa is your key to this adventure, valid for a stay of up to 90 days in several European countries. But remember: such a visa requires proof of health insurance or travel medical insurance.

That is why Allianz offers an indispensable Schengen visa health insurance: Travel Risk Insurance. This insurance not only guarantees your visa, but also offers protection against unexpected medical costs during your European trip. Choose security and convenience with Allianz, and choose the basis for your carefree European adventure. Forget the worries, focus on the experience – with Allianz by your side.

Are you a seafarer? Or do you have a diplomatic passport? Then you do not need to provide proof of insurance (policy) with your Schengen visa application. In all other situations, yes.

Insurance requirements  

With you Schengen visa application you have to show proof of your insurance (policy). This may also be the cover page of the policy (in the Dutch language is fine). The document must state the following: 

  • The insurance is taken out in your name. 
  • The insurance is valid in  all countries of the Schengen area  and during your entire stay. 
  • hospitalization and treatment  
  • emergency treatment  
  • prescribed medication 
  • repatriation to your country of residence (also in case of death)

Don't have a Schengen visa health insurance? Or does your insurance policy not meet the requirements? You can quickly and easily take out a Schengen visa travel and health insurance policy that meets all requirements.

A sponsor, family member, friend or partner may also take out the insurance for you in the Netherlands. Make sure that your insurer refunds the premium if your visa application is rejected. 

Bring proof of insurance (policy).

Are you entering the Netherlands with your Schengen visa? Then you must be able to show proof of insurance that is valid for the entire period that you are in the Schengen area.  

Do you have a multiple-entry visa and are you traveling back to the Schengen area after your first trip? Then you must be able to show proof of insurance for the period that you are back in the Schengen area.  

Buy Allianz Schengen medical travel insurance online now

Do you need Schengen insurance for the Netherlands? Here you can take out an approved Schengen insurance for someone from abroad who can apply for a visa for the Netherlands. Now with visa guarantee! ( Visa guarantee: If your visa application is rejected, you do not have to pay for the insurance.)

Does a Schengen visitor come from Turkey, Syria, Lebanon, Egypt, Libya, Tunisia, Algeria or Morocco or from Europe? Then you only pay € 2 per day per person for this insurance. If you come from countries other than those mentioned or from outside Europe, you pay € 3 per person per day.

Schengen medical travel and health insurancev insurance for the Netherlands

The Travel Risk Insurance from Allianz (Schengen medical travel and health insurance) meets all requirements for applying for a Schengen visa (short stay visa for a maximum of 90 days) and is therefore always accepted by the embassy. A visa application can go so quickly and smoothly.

All the benefits of the Travel Risk Insurance – Schengen health insurance for the Netherlands:

  • Favorable premium of € 2 per person per day.
  • Visa Guarantee : No visa = premium return (you don't have to pay anything and the policy expires).
  • Policy and conditions in clear Dutch (English policy conditions and insurance statement are also possible).
  • Meets all visa requirements of the Dutch government (embassies and consulates) and Schengen countries.
  • You can change the policy free of charge before the commencement date.

travel health insurance shengen visa

Premium medical insurance

travel health insurance shengen visa

Take out medical travel insurance here!

The Travel Risk Insurance from Allianz Global Assistance is an international medical travel insurance for foreign travelers under the age of 70 who do not live in the Netherlands. The insurance is the best choice for applying for a Schengen visa and meets all requirements. 

Taking out Travel Risk Insurance is simple and fast. You will receive the policy within 24 hours by e-mail on working days (if you want it sooner, please call or send a message).

√ EU approved medical insurance for foreign travelers. √  Schengen visa guarantee : In case of visa rejection, you do not have to pay. √ Medical costs covered up to € 30.000. Repatriation: all necessary costs. √ Policy conditions in Dutch and/or English. √ Expandable with coverage for special sports and world coverage. √ Cancellation insurance is possible (provided the trip is booked with a Dutch tour operator).

Calculate premium Close immediately

Insurance Card Travel Risk Insurance   » Insurance conditions Travel Risk Insurance in Dutch  » Insurance terms and conditions Travel Risk Insurance in English  »

Allianz Global Assistance is the largest travel insurance and assistance provider in the world. The trusted address to take out medical travel insurance online!

Allianz Travel Risk Insurance for Schengen Visas

What is insured.

The 'Travel Risk Insurance' is a complete international medical insurance for foreigners. The travel insurance has a balanced coverage against the financial risks of illness and death, such as:

schengen visa

  • SOS charges (including assistance, rescue and search).
  • Medical expenses * (including hospital, specialist and doctors).
  • Repatriation (including ambulance plane and transport of mortal remains).
  • Burial or cremation costs and arrival of family.

* Medical costs are monetary compensation for doctors (fees) and costs of:

  • hospitalization;
  • operation and operating room use;
  • prescribed X-rays and radioactive irradiations;
  • prescription medications, bandages and massage;
  • medically necessary transport, including any medically necessary evacuation and transport from a ski slope.

Your travel documents (purchase costs, laissez-passer, replacement visa or other official travel document), replacement clothing and/or toiletries and damage to accommodation is also insured. The following is also covered:

  • illness, accident or missing person of the insured;
  • death of the insured, illness, accident or death of the insured's family not traveling with him;
  • death of a co-insured travel companion;
  • damage to property of the insured in the country of residence;
  • costs due to forced delay.

Frequently asked questions and answers about Schengen health insurance for the Netherlands (FAQ)

Read frequently asked questions and answers about Schengen visa health insurance here.

When applying for or collecting the Schengen visa for the Netherlands, the visa applicant must be able to demonstrate that medical insurance has been taken out. The reason for this is that the Schengen countries do not want to pay for any costs of a foreign guest, such as hospital costs. Moreover, insurance is a (financial) protection for someone who acts as guarantor.

The Schengen insurance must cover any expenses related to repatriation for medical reasons, urgent medical care and/or emergency hospital treatment. The insurance to be taken out must be valid for the entire Schengen area, have a minimum cover of €30.000 and cover the entire duration of the intended stay. Proof of the original insurance policy must be submitted when submitting the application or only when the visa is issued.

Yes, that is not a problem. You are then the policyholder (pays the premium) and the foreign guest is the insured.

You authorize the insurer for direct debit on the application form. The premium is usually debited from your payment account just before the start date of the insurance.

No, if a visa application is rejected and the insurance has not yet commenced, you will receive a full refund of the premium.

You will receive the policy digitally by e-mail (including the conditions). You can then e-mail the policy to your foreign guest.

Basically the same day or the next day. Requests received over the weekend will be processed on Monday.

Before the policy has taken effect, the start date and/or end date of the policy can be adjusted, no problem at all.

If there is a guarantee (the foreign guest stays with the guarantor), the travel insurance is also for the financial protection of that person. With a Dutch Schengen insurance you fall under Dutch law. Dutch insurers are subject to strict supervision and are usually more reliable than foreign insurers. That is a nice idea at high costs.

The Schengen travel insurance for foreigners provides cover for providing assistance, reimbursing extraordinary costs and medical expenses: – Assistance: you can count on professional help and advice 24 hours a day in the event of illness or accidents. – Repatriation: costs for repatriation (return to home country) due to illness or death. – Extraordinary costs: costs that must be incurred in an emergency (such as extra travel or accommodation costs) will be reimbursed. – Medical costs: medical costs as a result of an accident or illness incurred during the period of validity of the insurance are insured up to a maximum of € 30.000. – Dental costs: incurred as a result of an accident. – Theft of your travel documents. – Delayed arrival of the luggage.

Ailments and complaints that already existed on or before the commencement date of the insurance are not insured and are therefore not eligible for compensation. The Schengen insurance for foreigners is only intended for sudden and unexpected medical costs in the Netherlands or other Schengen countries.

Schengen visa health insurance

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  • Schengen visa insurance from € 2 per day
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travel health insurance shengen visa

What Is Schengen Travel Insurance?

Quick answer.

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

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

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

Table of contents

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

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

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

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

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

Here’s the complete list:

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

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

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

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

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

European Travel Information and Authorisation System (ETIAS)

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

Here’s what you need to know:

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

Schengen visa requirements

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

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

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

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

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

Consulates of particular countries may require additional documentation.

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

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

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

Other travel-related coverage options

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

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

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

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

1. Research reputable travel insurance providers

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

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

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

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

3. Read your policy details

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

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

4. Get to know the claims process

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

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

5. Purchase and safeguard your policy

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

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

Should I get travel insurance for Europe?

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

How much travel insurance do I need for Europe?

What countries does europe travel insurance cover.

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

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  • Individuals

From €32.00 for 1 month

Get insured for your Schengen visa

Schengen Visa Insurance provides the basic cover needed for you to get your short-stay visa.

What is Schengen Visa insurance?

If you are planning to travel through the Schengen area, you may need a visa and travel health insurance is one of the requirements to get one. Our Schengen Visa Insurance offering provides the basic coverage you need for your application so you can travel throughout all 26 countries participating in the free travel area.

Any questions? Need information?

+33 (0)1 73 03 41 18

Monday to Friday, 9 am to 5.30 pm (Paris time)

Local call rates apply

Why choose Schengen Insurance

What are the benefits.

Repatriation assistance

Medical expenses

up to € 30,000

Death assistance

Contract change

Up to 3 times in case of visa refusal


How to sign up for Schengen Insurance

Indicate your selection

 Once you’ve been redirected to the Assurever website, select the number of people travelling, the dates of your trip, your package and options.

Get your quote

Fill out the information about your trip and persons to insure.

Make your payment

You can pay online and get your insurance certificate right away.

Tips and information

A Schengen visa is a type of permit that enables you to travel or enter Europe's Schengen area freely and avoid border controls for short stays of up to 90 days in any 180 day timeframe.

A study by the European Commission in 2022 found that nearly 20% of Europeans want to work abroad at a future point, highlighting the appeal of experiencing different ways of life and exploring locations across the world. [1]

Designed for individuals and families working, living, or moving abroad for less than a year, short-term health insurance provides medical coverage during your time overseas.

Many people choose to travel by train across Europe because it’s easy, comfortable and, in many cases, saves on the extra charges for luggage. Over 600,000 people choose to use one such service, InterRail, each year alone.

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Assurever is a French simplified joint-stock company (S.A.S.) registered with the Paris Trade Registry (under number 384 706 941) and with ORIAS (under number 07 028 567). Its registered office is located at 26 rue Bénard – 75014 PARIS France. Schengen Insurance is an Assurever product designed, managed, and distributed by Assurever and insured by COWEN Insurance Company Limited.

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

  • 1,855 coverage details evaluated.
  • 567 rates reviewed.
  • 5 levels of fact-checking.

Best cheap travel insurance


Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

  • Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
  • Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

  • Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
  • Atlas Journey Premier offers $150,000 in primary medical coverage.
  • Both plans have top-notch $1 million per person in medical evacuation coverage.
  • Each plan offers travel inconvenience coverage of $750 per person.
  • 12 optional upgrades, including destination wedding and rental car damage and theft.
  • No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Travel Insured

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

  • Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
  • Cheap trip insurance for cruises.
  • Offers a rare $150,000 for non-medical evacuation.
  • $500 per person baggage delay benefit only requires a 3-hour delay.
  • Optional rental car damage benefit up to $50,000.
  • Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families


Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

  • Free coverage for children 17 and under on the same policy.
  • $2,000 travel delay coverage per person ($250 per day) after 5 hours.
  • Hurricane and weather coverage after a common carrier delay of any amount of time.
  • Only $50,000 per person emergency medical coverage.
  • Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors


Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

  • Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
  • Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
  • Non-medical evacuation benefit of $25,000 per person.
  • Baggage loss benefits of $2,500 per person.
  • Travel medical coverage is secondary.
  • Trip cancellation benefit for losing your job requires three years of continuous employment.
  • No “cancel for any reason” (CFAR) upgrade available.
  • Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options


AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

  • Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
  • Bundle upgrades allow you to customize your affordable travel insurance policy.
  • Emergency medical and evacuation limits can be doubled with optional upgrade.
  • Base travel insurance policy has relatively low medical limits.
  • $300 baggage delay benefit requires a 12-hour delay.
  • Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections


TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

  • Best-in-class $2,500 per person in missed connection coverage.
  • $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
  • Generous $2,500 per person baggage and personal items loss benefit.
  • Most expensive of the best cheap travel insurance plans.
  • No “interruption for any reason” coverage available.
  • Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

Travel Insured

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

  • Age and number of travelers being insured.
  • Trip length.
  • Total trip cost.
  • The travel insurance plan you choose.
  • The travel insurance company.
  • Any add-ons, features or upgraded benefits you include in the travel insurance plan.
Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

  • Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
  • Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

  • Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
  • Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
  • Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
  • Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

  • How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
  • Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
  • The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.


Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

  • Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
  • Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
  • Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
  • Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
  • Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
  • “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
  • Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
  • Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
  • Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

  • Medical emergencies.
  • Trip delays.
  • Trip interruption.
  • Trip cancellation.
  • Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

  • Rental car damage coverage. 
  • Medical bundle.
  • Security bundle.
  • Accidental death and dismemberment coverage.
  • Adventure sports bundle.
  • Pet bundle.
  • Wedding bundle.
  • “Cancel for work reasons” coverage.
  • “Interruption for any reason” (IFAR) coverage.
  • “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy Sleight

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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