compare schengen travel insurance

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

5 Tips for Buying Schengen Visa Travel Insurance

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. 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 TravelInsurance.com or SquareMouth.com (a NerdWallet partner), which will gather together multiple quotes in one easy search.

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

The total cost of your trip.

Your destination.

Your dates of travel.

The number of travelers.

The age of travelers.

Where you live.

When you booked your trip.

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

» Learn more: What is travel insurance?

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

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

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

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

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

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

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

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

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

» Learn more: The best travel insurance companies

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

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

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

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

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

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

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

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

» Learn more: The cheapest flights to Europe on points

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

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g., plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

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

No annual fee: Wells Fargo Autograph℠ Card

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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

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

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

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

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

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

Visa Traveler

Exploring the world one country at a time

Travel Insurance for Schengen Visa: A Comprehensive Guide

Updated: September 8, 2023

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

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

Table of Contents

BONUS: FREE eBOOK

Enter your name and email to download the FREE eBOOK: The Secret to VISA-FREE Travel

Opt in to receive my monthly visa updates

You can unsubscribe anytime. For more details, review our Privacy Policy.

Your FREE eBook is on it’s way to your inbox! Check your email.

What is Schengen Travel Medical Insurance?

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

Who Requires Schengen Travel Health Insurance?

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

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

Is Travel Insurance Mandatory for Schengen Visa?

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

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

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

What are the Schengen Visa Insurance Requirements?

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

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

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

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

1. Minimum Coverage

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

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

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

2. Validity Duration

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

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

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

Here is an example:

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

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

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

3. Validity in the Schengen Zone

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

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

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

What Does Schengen Visa Insurance Plan Cover?

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

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

1. Medical Coverage

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

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

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

2. COVID-19 Protection

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

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

3. Trip Coverage

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

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

What Does Schengen Visa Insurance Plan Not Cover?

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

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

Pre-existing Medical Conditions

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

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

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

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

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

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

How Much Does Schengen Visa Medical Insurance Cost?

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

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

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

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

How to Choose the Right Travel Insurance for Schengen Visa?

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

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

1. Reputation of the Company

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

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

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

2. Coverage Limits and Exclusions

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

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

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

3. Customer Reviews and Ratings

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

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

4. Schengen Insurance Certificate

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

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

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

Where to Purchase Travel Insurance for Schengen Visa?

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

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

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

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

How to Purchase Travel Insurance for Schengen Visa

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

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

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

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

How To Find Cheap Schengen Travel Insurance?

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

Frequently Asked Questions (FAQS)

Do us citizens need schengen insurance.

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

Is Schengen travel insurance refundable?

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

Can I purchase travel insurance after obtaining a Schengen visa?

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

Are pre-existing medical conditions covered by travel insurance?

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

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

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

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

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

WRITTEN BY THIRUMAL MOTATI

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

PLAN YOUR TRAVEL WITH VISA TRAVELER

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

01. Apply for your visa

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

02. Book your fight

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

03. Book your hotel

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

04. Get your onward ticket

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

05. Purchase your insurance

Purchase travel medical insurance for your trip from HeyMondo . HeyMondo offers a 5% discount to Visa Traveler readers (use the link above), and covers all medical and travel emergencies during your trip.

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.

RELATED POSTS

• Cookie Policy
• Copyright Notice
• Privacy Policy
• Terms of Use
• Flight Itinerary
• Hotel Reservation
• Travel Insurance
• Onward Ticket
• Testimonials

Search this site

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

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

Do I need travel insurance while traveling to Schengen Countries?

What do I receive with my Schengen travel insurance?  

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

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

Does AXA Travel Insurance provide coverage for Schengen Visa?

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

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

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

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

Need help choosing a plan.

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

licensed agents available

Travel Insurance for Schengen Visa – Essential Coverage, Requirements & Tips

When visiting the Schengen Area in Europe, travellers should be ready for any unexpected medical expenses resulting from accidents or injuries.

EU laws require all Schengen visa applicants to acquire travel insurance to ensure financial protection against unexpected medical costs while travelling in the Schengen zone.

Schengen Visa Insurance Requirements

According to Regulation (EC) No 810/2009 of the European Parliament , medical insurance for a Schengen visa must fulfil the following requirements:

• A minimum coverage of medical costs: at least 30,000 EUR (equivalent to 28,000 USD as of August 2024).
• It should be valid in member states of the Schengen Area.
• It should cover the entire length of your stay in the Schengen area.
• It should cover any expenses arising from repatriation for medical reasons, urgent health attention, emergency hospital treatment, or death.

Even though travel health insurance is worth having for all travellers to Europe, not everyone is required to have it. A travel insurance policy is mandatory only for travellers applying for a Schengen visa . This group of travellers is always required to have the needed coverage for the entire period of their stay in Europe, regardless if they go there for business, tourism, studying, holidays, or other reasons.

Foreign travellers visiting Europe who enjoy visa-free travel to the Schengen zone can get their preferred European travel insurance policy if they want to, and while it is highly recommended – they are not required to.

Travel Insurance Is a Must When Applying for a Schengen Visa

Extract from “Regulation (EC) No 810/2009 of the European Parliament and of the Council of 13 July 2009”, which entered into force on April 5, 2010:

“… Applicants for a uniform visa for one or two entries shall prove that they own 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 Schengen Area Member States territory and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30,000” (…)

Which Nationals Are Required to Purchase Medical Insurance for a Schengen Visa?

Selecting & buying the right schengen visa insurance plan.

Ensure that the insurance company and policy you select are licensed and approved by Schengen Embassies and Consulates. Additionally, confirm that it meets all the specified requirements. Failure to do so could result in the denial of your visa application.

Get Free Quotes for Schengen Travel Insurance Plans from the Most Reputable European Providers

Europ Assistance Schengen

• Assistance in the event of illness or injury: Up to € 30,000
• No deductible
• Coverage area: Covers trips in the Schengen area
• Cost: starting from €3 per day

• Coverage: medical expenses abroad up to EUR 30,000
• Cost: Starting from  EUR 4.5 per day, for a 7-day trip
• Deductible: from EUR 30 to EUR 50 

Mutuaide Basic

• Coverage: Medical expenses abroad up to EUR 3 0,000
• Coverage Area: Worldwide 
• Cost: Starting from  EUR 3.00 per day for a 10-day trip
• Deductible: €0
• Validity: 1 Trip
• Sports (search and rescue costs)

Allianz Serenity

• Coverage for medical expenses up to EUR 30,000
• Cost: Starting from EUR 7 per day, for a 7-day trip
• Deductible: from EUR 30 to EUR 100
• Luggage insurance

Europ Assistance Schengen Plus

• Assistance in the event of illness or injury: Up to €60,000
• Coverage area: Covers trips in the Schengen area plus Bulgaria, Cyprus, Ireland and Romania
• Cost: starting from €5 per day
• Return/relocation and lodging expenses of a companion

Compare Schengen insurance to find the best and most affordable Schengen travel insurance plan!

Does the medical insurance policy need to cover all schengen area countries.

Yes, a Schengen travel health insurance policy should cover all Schengen member states:

• Czech Republic
• Liechtenstein
• Netherlands
• Switzerland

How Much Does Schengen Insurance Cost?

Schengen travel insurance can be very affordable, with prices for a one-week policy as low as €10. However, the cost of Schengen medical insurance ultimately depends on several factors—your age, how much coverage you want, the trip duration, and the specific insurance company.

What Does Schengen Insurance Policy Usually Cover?

A good travel insurance policy for the EU/Schengen area should cover the following costs:

• Medical emergency (accident or sickness) while in the Schengen Area
• Emergency evacuation
• Repatriation of remains
• Return of a minor
• Accidental death, injury or disablement benefit
• Overseas funeral expenses
• Dental emergencies
• Usually, the insurers cover pregnancy-related expenses, if the travel occurs during the first trimester. After that, insurance coverage varies from insurer to insurer.

What Are the COVID-19 Coverage Requirements for Schengen Insurance?

What is presumably excluded or optional in a common european travel insurance policy.

Every travel insurance company is different; however, there are ones that offer to cover additional costs if necessary. If not, additional insurance must be purchased to cover explicit costs like:

• Preexisting conditions (e.g. Asthma, diabetes)
• Sports with an element of risk (e.g. skiing, scuba diving)
• Travel to high-risk countries (e.g. Due to war, natural disasters or acts of terrorism)
• Acute onset of pre-existing conditions – It means a sudden and unexpected occurrence of pre-existing medical conditions without any prior warning from a health care professional. If you have pre-existing conditions, get this coverage to protect you against any emergency that arises due to pre-existing conditions despite taking care.

How To Find Cheap Travel Insurance for the Schengen Area?

Finding the right cheap travel visa insurance for Europe calls for individual and more in-depth research. This means having to search online for the appropriate medical insurance policy. It is recommended that you compare products and companies before you decide which company has the cheapest and the best travel insurance for Europe.

Do not be confused about the price, as not all low-cost travel insurance policies contain low-quality services, and not all expensive insurance plans offer high-quality service. That is why the safest way to choose amongst boundless offers of medical insurance companies properly is by choosing not the cheapest travel insurance but the policy which covers all the areas as required by the Schengen visa application requirements.

What Is Travel Medical Insurance?

Travel health insurance covers medical expenses in case of an injury or unexpected sickness that arises during your trip. Whether you need health insurance when travelling to a foreign country depends on the desired destination and your ability to cover any health care needs during your stay.

However, travel insurance is a must for most people, especially the elderly, who have predetermined medical conditions and are bound to constant therapy or, most importantly, if the traveller’s destination is an underdeveloped region.

Besides medical expenses, travel insurance will cover different losses suffered during the trip, including one’s own country and internationally. Unexpected happenings like lost luggage, cancellation of your flight at the last moment, travel agency or accommodation bankruptcy will ruin your trip. Therefore, a travel insurance policy is designed to provide cancellation insurance by means of a full or partial refund.

Whether you are travelling once or several times during a short period of time, the insurance policy will match and cover the exact number of days spent in the international territory, in this case, the Schengen territory, with the price ranging accordingly.

What Are the Common Restrictions and Limitations?

• As previously mentioned, travel insurance companies don’t cover preexisting conditions internationally. If you have a condition before your departure to Europe, you’ve consulted a doctor and are already on treatment, and you’ve decided to travel out of the country, in this case, you are not prone to any medical cost alleviations via your insurer. However, if one is proclaimed fit to travel having the condition under control, most commonly, travel insurance is ought to cover an unexpected emergency related to the condition when travelling in an international domain, an acute onset of the preexisting condition.
• Sports – Participation in high-risk activities such as extreme sports, e.g., scuba diving, skydiving, etc., can be excluded.
• War – Policies may exclude coverage for injuries caused by war when travelling to an endangered war zone.
• Duration – Many policies specify a time limit for coverage (e.g., 60 days), and the costs differ accordingly.
• Suicide in an international or domestic domain is excluded from any insurance policy for self-inflicted injuries.
• In the case of any substance abuse, drugs or alcohol, domestic or international, the medical expenses won’t be covered by your insurance policy.

More Travel Insurance Guides

France Visa Insurance , Spain Visa Insurance , Germany Visa Insurance , Italy Visa Insurance , Switzerland Visa Insurance , Travel Insurance by Europ Assistance , Schengen Travel Insurance UK , Greece Visa Insurance , Portugal Visa Insurance , Netherlands Visa Insurance , Schengen visa insurance from Singapore

Is Travel Health Insurance Mandatory for Visa-Free Third-Country Nationals Entering the Schengen Area?

Travel medical insurance is not mandatory for visa-free third-country nationals. Nonetheless, getting one is highly recommended if you travel to the Schengen countries.

Can I Obtain a Schengen Visa Without Travel Insurance?

Every person applying for a Schengen visa to visit Europe must hold a valid Schengen travel insurance policy regardless of the reason for travel (tourism, leisure, business, studies or other).

Does a Family Member of an EU/EEA National Need Travel Insurance?

Under certain conditions specified in Directive 2004/38/EC of the European Parliament, immediate family members of EU/EEA nationals might not require travel insurance when applying for a Schengen visa. These conditions generally include:

• Accompanying or Joining: The family member must either accompany the EU/EEA national on the trip or be planning to join them in the Schengen Area.
• Financial Dependency: The family member might need to be financially dependent on the EU/EEA national.
• Specific Relationships: Exemptions typically apply to immediate family members such as spouses, registered partners, children under 21 (or older if dependent), or dependent parents.

Should We Choose Travel Insurance With a 0 Eur Deductible?

It is not a strict requirement to get a Schengen travel visa insurance with 0 EUR deductible; however, we strongly suggest that you get one without a deductible to be 100% sure that your Schengen visa application will not be rejected because of the travel insurance policy.

Are Diplomatic Passport Holders Exempt From the Requirement of Travel Insurance?

Yes, holders of diplomatic passports are exempt from the mandatory travel medical insurance requirement. They are not required to provide proof of insurance when travelling to the Schengen Area.

Is Travel Medical Insurance Mandatory for Seafarers Traveling to the Schengen Area?

No, travel medical insurance is not mandatory for seafarers travelling to the Schengen Area. Seafarers are exempt from the requirement of Schengen travel insurance based on their professional situation. Their existing medical insurance coverage, obtained due to their work activities, is considered adequate and fulfils the insurance requirement for their stay in the Schengen Area.

What if I’m Applying for a Schengen Multiple-Entry Visa?

According to Regulation (EU) 2019/1155 of the European Parliament and of the Council of 20 June 2019 amending Regulation (EC) No 810/2009 , if you are applying for a Schengen multiple-entry visa, you must demonstrate that you have sufficient and valid travel medical insurance that covers the duration of your initial planned visit.

However, it’s important to note that you should maintain valid insurance whenever you plan to travel to the Schengen area in the future.

• Best Travel Insurance 2024
• Cheapest Travel Insurance
• Trip Cancellation Insurance
• Cancel for Any Reason Insurance
• Seniors' Travel Insurance
• Annual Travel Insurance
• Cruise Insurance
• COVID-19 Travel Insurance
• Travel Medical Insurance
• Medical Evacuation Insurance
• Pregnancy Travel Insurance
• Pre-existing Conditions Insurance
• Mexico Travel Insurance
• Italy Travel Insurance
• France Travel Insurance
• Spain Travel Insurance
• Canada Travel Insurance
• UK Travel Insurance
• Germany Travel Insurance
• Bahamas Travel Insurance
• Costa Rica Travel Insurance
• Disney Travel Insurance
• Schengen Travel Insurance
• Is travel insurance worth it?
• Average cost of travel insurance
• Is airline flight insurance worth it?
• Places to travel without a passport
• All travel insurance guides
• Best Pet Insurance 2024
• Cheap Pet Insurance
• Cat Insurance
• Dog Insurance
• Senior Dog Insurance
• Exotic Pet Insurance
• Pet Dental Insurance
• Pet Insurance That Pays Vets Directly
• Pet Insurance For Pre-Existing Conditions
• Pet Insurance with No Waiting Period
• Paw Protect Review
• Spot Pet Insurance Review
• Embrace Pet Insurance Review
• Healthy Paws Pet Insurance Review
• Pets Best Insurance Review
• Lemonade Pet Insurance Review
• Pumpkin Pet Insurance Review
• Fetch Pet Insurance Review
• Figo Pet Insurance Review
• CarePlus by Chewy Review
• MetLife Pet Insurance Review
• Average cost of pet insurance
• What does pet insurance cover?
• Is pet insurance worth it?
• Cat vaccinations cost
• Dog vaccinations cost
• Dog dental cleaning cost
• Dog cataract surgery cost
• All pet insurance guides
• Best Business Insurance 2024
• Business Owner Policy (BOP)
• General Liability Insurance
• E&O Professional Liability Insurance
• Workers' Compensation Insurance
• Commercial Property Insurance
• Cyber Liability Insurance
• Inland Marine Insurance
• Commercial Auto Insurance
• Product Liability Insurance
• Commercial Umbrella Insurance
• Fidelity Bond Insurance
• Business Personal Property Insurance
• Medical Malpractice insurance
• California Workers' Compensation Insurance
• Contractor's Insurance
• Home-Based Business Insurance
• Sole Proprietor's Insurance
• Handyman's Insurance
• Photographer's Insurance
• Esthetician's Insurance
• Salon Insurance
• Personal Trainer's Insurance
• Electrician's Insurance
• E-commerce Business Insurance
• Landscaper's Insurance
• Best Credit Cards of 2024
• Best Credit Card Sign-Up Bonuses
• Best Instant Approval Credit Cards
• Best Cash Back Credit Cards
• Best Rewards Credit Cards
• Best Credit Cards for Bad Credit
• Best Balance Transfer Credit Cards
• Best College Student Credit Cards
• Best 0% APR Credit Cards
• Best First Credit Cards
• Best No Annual Fee Cards
• Best Travel Credit Cards
• Best Hotel Credit Cards
• Best American Express Cards
• Best Amex Delta SkyMiles Cards
• Best American Express Business Cards
• Best Capital One Cards
• Best Capital One Business Cards
• Best Chase Cards
• Best Chase Business Cards
• Best Citi Credit Cards
• Best U.S. Bank Cards
• Best Discover Cards
• Amex Platinum Card Review
• Amex Gold Card Review
• Amex Blue Cash Preferred Review
• Amex Blue Cash Everyday Review
• Capital One Venture Card Review
• Capital One Venture X Card Review
• Capital One SavorOne Card Review
• Capital One Quicksilver Card Review
• Chase Sapphire Reserve Review
• Chase Sapphire Preferred Review
• United Explorer Review
• United Club Infinite Review
• Amex Gold vs. Platinum
• Amex Platinum vs. Chase Sapphire Reserve
• Capital One Venture vs. Venture X
• Capital One Venture X vs. Chase Sapphire Reserve
• Capital One SavorOne vs. Quicksilver
• Chase Sapphire Preferred vs. Capital One Venture
• Chase Sapphire Preferred vs. Amex Gold
• Delta Reserve vs. Amex Platinum
• Chase Sapphire Preferred vs. Reserve
• How to Get Amex Pre-Approval
• Amex Travel Insurance Explained
• Chase Sapphire Travel Insurance Guide
• Chase Pay Yourself Back
• CLEAR vs. TSA PreCheck
• Global Entry vs. TSA Precheck
• Costco Payment Methods
• Chase Ultimate Rewards Guide
• Capital One Rewards Guide
• Amex Membership Rewards Guide
• All Credit Card Guides
• Raisin (SaveBetter) Interest Rates
• Citibank Savings Account Interest Rate
• Capital One Savings Account Interest Rate
• American Express Savings Account Interest Rate
• Western Alliance Savings Account Interest Rate
• Barclays Savings Account Interest Rate
• Discover Savings Account Interest Rate
• Chase Savings Account Interest Rate
• U.S. Bank Savings Account Interest Rate
• Marcus Savings Account Interest Rate
• Synchrony Bank Savings Account Interest Rate
• Ally Savings Account Interest Rate
• Bank of America Savings Account Interest Rate
• Wells Fargo Savings Account Interest Rates
• SoFi Savings Account Interest Rate
• UFB Direct Savings Account Interest Rate
• Best Savings Accounts & Interest Rates
• Best High Yield Savings Accounts
• Best 7% Interest Savings Accounts
• Best 5% Interest Savings Accounts
• Savings Interest Calculator
• Emergency Fund Calculator
• How much will $1,000 earn in a HYSA?
• How much will $10,000 make in a HYSA?
• Pros and Cons of High-Yield Savings Accounts
• Types of Savings Accounts
• Is Savings Account Interest Taxable?
• Checking vs Savings Accounts
• Average Savings by Age
• How Much Should I Have in Savings?
• How to Save Money
• Compare Best Checking Accounts
• Compare Online Checking Accounts
• Best Business Checking Accounts
• Compare Best Teen Checking Accounts
• Best Student Checking Accounts
• Best Joint Checking Accounts
• Best Second Chance Checking Accounts
• Chase Checking Account Review
• Bluevine Business Checking Review
• Amex Rewards Checking Account Review
• Best Money Market Accounts
• U.S. Bank Money Market Account
• Money Market vs. Savings Account
• How much will $10,000 make in a MMA?
• Best CD Rates
• Best 1-Year CD Rates
• Best 6-Month CD Rates
• Best 3-Month CD Rates
• 6% CD Rates
• How much will a $10,000 CD earn?
• How much will a $50,000 CD earn?
• Synchrony Bank CD Rates
• Capital One CD Rates
• Barclays CD Rates
• How To Get A Loan
• Loan Interest Calculator
• How To Prequalify for a Personal Loan
• What is a Payday Loan?
• How To Get a Loan With No Credit History
• Financial Hardship Loans
• Low-Income Personal Loans
• No Credit Check Loans
• Why Can't I Get a Loan?
• Cash Advance Apps
• All Insurance Guides

On This Page

• Key takeaways

Our top picks for Schengen travel insurance

What is schengen travel insurance, schengen visa travel insurance requirements, what does schengen travel insurance cover, how much does schengen travel insurance cost, schengen visa requirements, tips for buying schengen travel insurance, schengen travel information & requirements, faqs - schengen travel insurance, related topics.

Schengen Travel Insurance: Coverage for your Schengen Visa Application

• A Schengen travel visa is required for U.S. Citizens if they plan to stay in the Schengen Zone for more than 90 days .
• The Schengen visa application requirements include having travel insurance that covers a minimum of €30,000 in medical expenses and covers the cost of repatriating you to the United States in the event of a medical emergency.
• As of 31 March 2024, Romania and Bulgaria have joined the Schengen zone.
• In most cases, private U.S. health insurance or Medicare won’t cover medical expenses incurred overseas, so even if you don’t opt for a Schengen visa, it’s still a good idea to purchase travel insurance when visiting Europe’s Schengen area.
• Travel insurance for Schengen visits can cost around $1 per day for basic coverage.
• To find the right travel insurance for your trip to the Schengen Zone, we recommend using our online comparison tool . This will give you a clear overview of what’s available so you can easily compare your options.

Our top picks for the best schengen travel insurance

• Tin Leg: Best Overall Coverage
• Generali Global Assistance: Best Coverage on a Budget
• Travel Insured International: Best for Non-Medical Evacuation Coverage
• AXA Assistance USA: Best Premium Comprehensive Coverage

Best Overall Coverage

Why We Like It

Editor's take

Tin Leg is known for offering high-quality travel insurance coverage at a competitive, reasonable price.

All Tin Leg policies have an A- rating or better for their financial strength from AM Best. We like the Tin Leg Gold plan because it offers great medical and evacuation coverage limits at an affordable price.

This plan comes automatically with trip cancellation and interruption coverage for coronavirus and other covered instances, as well as up to $500,000 in emergency medical expense protection and up to $500,000 in coverage for emergency medical evacuation, just in case something were to happen while on your Italy trip.

You may also qualify for travel delay protection, baggage insurance, and insurance that protects against missed connections on your way to the Schengen area.

Read our full review

• Excellent primary coverage for medical expenses
• High limit for emergency evacuation coverage
• Optional cancel for any reason (CFAR) coverage available
• Comes with coverage for hurricanes and inclement weather
• Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
• Baggage delay coverage requires a 24-hour waiting period
• Low coverage limits for baggage and personal effects

Best Coverage on a Budget

Generali global assistance.

Generali Global Assistance offers high coverage limits for medical expenses, emergency dental expenses, emergency medical evacuation coverage, and more for your trip to the Schengen zone.

This travel insurance provider has an A rating from AM Best and offers three tiers of travel insurance coverage to suit your needs:

• Standard plan
• Preferred plan
• Premium plan

If you’re looking for basic coverage at an affordable price point, the Standard plan may be just what you need. This plan offers coverage for up to 100% of the insured trip cost for cancellation and up to 125% of the insured trip cost for interruption. It also offers $1,000 per person in baggage coverage, up to $50,000 in medical coverage, and $250,000 in medical evacuation coverage.

• Lowest cost of all Generali Global Assistance plans
• 24/7 emergency travel assistance included
• Telemedicine included
• Lower coverage than other Generali plans
• Pre-existing conditions are not covered by the Standard plan
• No coverage for accidental death and dismemberment during on-land travel

Best for Non-Medical Evacuation Coverage

Travel insured international.

Travel Insured International offers two plans, Worldwide Trip Protector Edge and Worldwide Trip Protector. Of these two, we recommend the Worldwide Trip Protector plan for your trip to the Schengen area due to its superior coverage.

Worldwide Trip Protector covers 100% of the insured trip cost due to cancellation, 150% of the insured trip cost due to interruption, and $1,500 for trip delays and $500 for baggage delays after only 3 hours. It also includes $100,000 of secondary medical coverage and $1 million of evacuation coverage. it also offers $150,000 worth of non-medical evacuation coverage, providing transportation during a natural disaster or civil or political unrest.

• Travel delay coverage kicks in after just six hours
• Generous $150,000 non-medical evacuation coverage
• CFAR and IFAR coverage not included
• Baggage delay coverage only kicks in after 12 hours
• No rental car coverage

Best Premium Comprehensive Coverage

Axa assistance usa.

AXA Assistance USA is a highly-rated travel insurance company that offers comprehensive travel insurance plans with a ton of benefits for your trip to the Schengen area. This means the coverage you purchase from them includes medical evacuation protection as well as baggage insurance, trip cancellation insurance, trip interruption coverage, travel delay coverage, and more. The company also offers three tiers of coverage you can choose from based on your needs and your budget.

We recommend the Platinum plan from AXA Assistance USA due to its superior medical evacuation coverage and robust limits in other categories. This plan comes with up to $1 million in protection for emergency medical evacuation and repatriation of remains, up to $250,000 in coverage for emergency medical expenses, $300 per day (maximum of $1,250) in trip delay coverage, $3,000 in insurance for baggage and personal effects, and more. Optional cancel for any reason (CFAR) coverage is also available as an add-on with this plan.

• High coverage limits in every category. Extremely comprehensive
• Includes identity theft coverage & non-medical evacuation coverage
• CFAR coverage reimburses 75% of prepaid travel expenses
• Coverage cannot be extended unlike other plans
• Medical limit is lower than other cheaper plans, but still sufficient

Schengen travel insurance is simply a travel insurance plan that offers coverage while you’re traveling in Europe’s Schengen area, which now excludes the UK . This type of insurance is required for certain Schengen travel visas.

Typically, travel insurance plans offer coverage for certain destinations or areas of travel, and can sometimes exclude other destinations as part of the plan. Therefore, Schengen travel insurance refers to plans that offer coverage for travels within the Schengen area.

When do I need Schengen travel insurance?

It’s a good idea to have travel insurance any time you travel to this region, whether it be places such as France , Spain or Germany since most traditional health plans won’t work abroad, but you definitely need health insurance for a Schengen visa as noted by travel.state.gov ) if you plan to apply for a longer stay.

Having valid Schengen travel insurance is a basic requirement for applying for a Schengen visa. In other words, you cannot get a visa for the Schengen area unless you buy travel insurance for the length of your stay.

That said, we recommend buying travel insurance any time you travel to this region, regardless of if you plan to apply for a Schengen visa.

Travel medical insurance for a Schengen visa has the following requirements :

• It must be valid in all Schengen Zone countries and remain in effect until the end of your trip.
• It must cover at least €30,000 in medical expenses.
• Your insurance policy must cover repatriation due to medical emergencies. Repatriation is the technical term for returning to your own country.

Every insurance policy is a little different, but travel insurance usually covers these expenses:

Medical expenses:   If you want a Schengen visa, your policy must include medical insurance . This type of insurance covers expenses arising from certain illnesses and injuries. Read your policy carefully, as Schengen travel health insurance typically excludes pre-existing conditions. Regardless of whether you require a Schengen visa or not, having medical insurance is a must for anyone traveling outside of the US . Medical insurance is generally broken down into two categories; emergency medical coverage, and emergency medical evacuation coverage.

Schengen medical insurance covers you for things such as hospitalization, emergency room treatment, X-rays, emergency dental care, and more. Emergency medical evacuation coverage will cover you for any transportation you require to receive medical care. This can include an ambulance to the nearest hospital or a pricey evacuation via a helicopter or plane.

• Lost/damaged luggage:   Many Schengen visa travel insurance plans cover lost and damaged luggage. Your policy may even reimburse you for the cost of purchasing essential items while you wait for your delayed bag to arrive.
• Cancellations:   Comprehensive travel insurance usually covers trip cancellations, giving you extra peace of mind in the event you have to cancel your plans due to severe weather, illness, serious medical problems, natural disasters or legal obligations. According to the Department of Financial Services , Schengen visa insurance won’t cover cancellations due to COVID-19 in most cases unless you have COVID-19 travel insurance . This is because it’s no longer an unforeseen complication.
• Delays:   Some types of travel insurance cover losses arising from trip delays. This coverage kicks in if you experience a delay while traveling via one of these common carriers: airline, passenger railroad, ferry or long-distance bus service. Your policy may cover meals, hotel accommodations, toiletries and other related expenses.

What doesn’t Schengen travel insurance cover?

Travel insurance coverage depends heavily on the plan you choose. The more comprehensive your plan, the more things you will have covered.

That said, there are some common things not covered under travel insurance that extend to Schengen visa travel insurance.

Schengen visa travel insurance may not cover:

• Some scenarios relating to pregnancy – such as childbirth ( see pregnancy travel insurance )
• Some pre-existing conditions – depending on the plan and waiver criteria
• Some COVID-19 scenarios – such as self-imposed quarantine
• Anything mentioned in the “Exclusions” section of your specific plan – always read the fine print.

It’s important to review all the specific inclusions and exclusions of the plan you choose as there can be loopholes and exceptions to each of these scenarios.

For example, pre-existing conditions , which are health problems that existed before you purchased your policy, typically aren’t covered. However, there is often a limit to how far back this applies and certain criteria for waiving the exclusion.

Schengen travel insurance can cost as low as around $1 per day for the most basic coverage.

For more comprehensive travel insurance, you can expect to pay around $4 per day.

That said, the exact cost of travel insurance depends on several factors, including:

• The duration of your trip
• The cost of your trip
• The coverage limits you select
• The destination of your trip

For example, medical insurance usually costs less for younger people than it does for older people, so a 65-year-old can expect to pay more than a 23-year-old.

Let’s walk through a real-world example comparing coverage types. We got travel insurance quotes for the following trip information:

• Age: 35 years old
• Destination: Schengen area
• Trip Length: 14 days
• Trip cost: $3,000
• Date: September, 2024

The requirements for Schengen visa travel insurance are quite simple, so you can get a relatively inexpensive plan . In this first table, we got price quotes for basic Schengen travel insurance.

Example Where Plan Doesn’t Reimburse the Full Trip Cost

While you are at it, you may want to opt for more comprehensive benefits. For the example below, we chose plans that will reimburse the full cost of your trip.

Example Where Plan Does Reimburse the Full Trip Cost

When you purchase travel insurance, it’s up to you whether you want to stick with the required minimums or give yourself a little extra peace of mind. That can have a big impact on the cost of your policy. For example, it costs a lot more to purchase €100,000 in medical insurance than it does to purchase the minimum €30,000 in medical insurance.

Where can I purchase Schengen travel insurance?

Where you ultimately purchase Schengen visa travel insurance is up to you.

If you are going as part of a larger tour or study program, you may be able to purchase Schengen visa travel insurance through your tour operator. That said, you may be able to find a better deal buying Schengen travel insurance online. Most major travel insurance providers offer plans that match the Schengen visa requirements.

You can also have a look at an online comparison tool . To see Schengen visa travel insurance plans you can enter your trip details in the tool below. Once you reach the quote pages, there is a filter to select “Schengen Visa” under the preset filter options. This will highlight all the plans that match the Schengen visa requirements from multiple travel insurance companies at once.

Before you travel, you may need to obtain a Schengen visa. Here’s what you need to know about the visa requirements.

Who needs a Schengen visa?

Any American citizen who intends to stay in the Schengen Area for more than 90 days must obtain a visa before traveling. This includes both business travelers and leisure travelers.

How does a Schengen visa work?

A Type D Schengen visa, also known as a national long-stay visa, allows you to stay in the Schengen Area for more than 90 days in a 180-day period. It also allows you to travel from one Schengen country to another Schengen country.

If you need to travel to the Schengen Area several times, you may be able to obtain a 3-year, multiple-entry Schengen visa or a 5-year, multiple-entry Schengen visa.

It’s important to note that if you plan to get a Schengen visa, you must have valid Schengen travel insurance for the entirety of your stay within the Schengen area.  Multi-trip insurance insurance can be especially beneficial in such cases.

Schengen visa requirements for children

Age criteria for Schengen Visa:

• Children aged 6 and over will often require their own Schengen Visa. This specific age can vary from country to country, so it is important to check the specific age requirements of the Schengen country you plan to visit.

Application Process:

• Minors need to pass through the same Visa application process as adults. This process generally contains the following stages:
• Applicants must complete a Schengen visa application form.
• You must gather the appropriate supporting documents (see below).
• Schedule an appointment with the respective embassy or consulate.
• Pay the Visa fee.

Required Documentation:

• A child’s Schengen Visa application requires the following documents:
• A valid passport with at least two blank pages.
• A completed Schengen Visa application form. Parents or legal guardians must ensure they sign this form for young children.
• A recent passport-sized photo.

Parental Consent:

• When a minor is traveling without one or both parents, it is important to provide a notarized letter of consent from the absent parent(s) or legal guardian(s). This letter contains information such as the child’s name, the names of the traveling and non-traveling parents or guardians, the travel dates, and a brief explanation of the trip’s purpose.

How do I apply for a Schengen visa?

To apply for a Schengen visa, follow these steps:

Type of Schengen visa.

Determine what type of Schengen visa you need.

Submit your Schengen visa application.

If you plan to visit one country, submit it to the consulate or embassy for the country you’ll be visiting. If you plan to visit multiple Schengen countries, submit it to the consulate or embassy for the first country on your itinerary.

Purchase travel insurance.

Make sure your policy meets the minimum requirements.

Submit documents.

Submit your passport, proof of financial insurance and proof that you’ve met all Schengen visa requirements to the embassy.

Travel insurance is a worthwhile expense, but not all plans offer the same level of protection, so it’s important to shop around.

Follow these tips to find a policy that meets your needs.

Decide what type of travel insurance you’d like

Remember, your U.S. health insurance won’t cover medical expenses incurred overseas, so you’ll need to purchase a Schengen insurance plan that includes medical coverage.

You should also consider the following types of travel insurance.

• Medevac:   Medical evacuation insurance , commonly called medevac coverage, covers the cost of transporting you to a medical facility if you get into an accident or develop a serious illness while you’re traveling.
• Rental car insurance:   If you decide to rent a car while traveling in the Schengen, rental car insurance covers you in the event of an accident. Many policies also cover theft and vandalism.
• Cancel-for-any-reason insurance:   CFAR insurance allows you to recoup some of your expenses if you have to cancel a trip for a reason that’s not covered by your standard insurance policy. For example, if you encounter financial difficulties, you may have to cancel your trip to save money.

Compare plans

Several companies offer insurance plans designed to meet the minimum requirements for a Schengen visa. Before you purchase coverage, use the LA Times comparison tool to find the best plan for the best price.

Check the limitations of your policy

Most insurance policies have limitations. Before you apply for a Schengen visa, review your policy to make sure it meets the minimum requirements. During your review, make sure you have coverage for common travel scenarios.

See if your credit card already provides trip insurance

Some travel credit cards offer rental car insurance, trip interruption insurance and other types of insurance coverage. Before you travel, check your credit card terms to find out if you have any of these benefits available to you. If you have certain types of coverage through your credit card company, you won’t have to purchase them.

Tips for visiting the Schengen area

Where is the schengen area.

Named after a small village in Luxembourg, the Schengen Area is the largest free travel area in the world, according to the European Council . As of 2024, there are 27 Schengen countries, most of which belong to the European Union. Switzerland, Norway, Iceland and Liechtenstein are in the Schengen Area, but they aren’t in the EU. As part of the Schengen Borders Code, these countries don’t perform border checks unless there’s a specific threat.

Do I need a passport to visit the Schengen?

Yes. All U.S. citizens must obtain a passport before traveling to the Schengen Area. You’re allowed to enter the Schengen countries as long as your passport doesn’t expire until at least 90 days following your planned departure date. For example, if you plan to leave the Schengen countries on September 1, your passport should be valid until at least December 1. However, if you’re looking for places to travel without a passport , you might consider exploring countries and destinations that don’t require

Do I need to be vaccinated to enter the Schengen?

You don’t have to get vaccinated before traveling to the Schengen countries. However, scientists at the Centers for Disease Control and Prevention recommend getting routine vaccines before you travel outside the United States. For example, the CDC says you should have vaccinations for chickenpox, influenza, diphtheria-tetanus-pertussis, polio, shingles and measles-mumps-rubella before traveling to France.

This is some important travel information you should know before visiting the Schengen.

Schengen insurance protects you when you’re traveling in the Schengen Zone, a group of 27 European countries. If you have a covered loss, the insurance company reimburses you for certain expenses. If you need a visa for travel to the Schengen Zone, one of the requirements is having travel insurance that will cover you in this part of the world. This is often referred to as Schengen insurance or Schengen travel insurance

What type of insurance is required for a Schengen visa?

At minimum, your travel insurance must cover at least €30,000 in medical expenses. It must also cover your repatriation costs. If you purchase a comprehensive policy, it may also cover losses arising from trip delays, trip cancellations, lost baggage or damaged baggage.

Do I need travel insurance to visit the Schengen?

You’ll need travel insurance if you plan to stay in the Schengen Zone for more than 90 days. Although you don’t need a short-stay visa for trips lasting 1 to 90 days, you do need a visa for longer trips. See more at travel.state.gov .

Does Schengen insurance cover countries that are not part of the Schengen Area?

No. Your Schengen visa insurance only covers the 23 EU and four non-EU countries in the Schengen Zone.

Per travel.state.gov ,{:rel=’nofollow’ target=’_blank’} the following countries are members of the Schengen Zone: Austria, Belgium, Czech, Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland

About the Author

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

Explore related articles by topic

• All Travel Insurance Articles
• Learn the Basics
• Health & Medical
• Insurance Provider Reviews
• Insurance by Destination
• Trip Planning & Ideas

Best Travel Insurance Companies & Plans in 2024

Best Travel Insurance for Seniors

Best Medical Evacuation Insurance Plans 2024

Best Cruise Insurance Plans for 2024

Best COVID-19 Travel Insurance Plans for 2024

Best Cheap Travel Insurance Companies - Top Plans 2024

Best Cancel for Any Reason (CFAR) Travel Insurance

Best Annual Travel Insurance: Multi-Trip Coverage

Best Travel Medical Insurance - Top Plans & Providers 2024

• Is Travel Insurance Worth It?

Is Flight Insurance Worth It? | Airlines' Limited Coverage Explained

Pregnancy Travel Insurance: Tips for Traveling while Pregnant

10 Romantic Anniversary Getaway Ideas for 2023

Best Travel Insurance for Pre-Existing Medical Conditions August 2024

22 Places to Travel Without a Passport in 2024

Costa Rica Travel Insurance: Requirements, Tips & Safety Info

Best Spain Travel Insurance: Top Plans & Cost

Best Italy Travel Insurance: Plans, Cost, & Tips

Best Travel Insurance for your Vacation to Disney World

Guide to Chase Sapphire Travel Insurance Benefits 2024

2024 Complete Guide to American Express Travel Insurance

Mexico Travel Insurance: Top Plans in 2024

Best Places to Spend Christmas in Mexico this December

Travel Insurance to Canada: Plans for US Visitors

Best Travel Insurance for France Vacations in 2024

Travel Insurance for Germany: Top Plans 2024

Best UK Travel Insurance: Coverage Tips & Plans August 2024

Best Travel Insurance for Trips to the Bahamas

Europe Travel Insurance: Your Essential Coverage Guide

Trip Cancellation Insurance: Plans & Coverage Explained

What Countries Require Travel Insurance for Entry?

Philippines Travel Insurance: Coverage Requirements & Costs

Travel Insurance for the Dominican Republic: Requirements & Tips

Travel Insurance for Trips Cuba: Tips & Safety Info

AXA Travel Insurance Review August 2024

Best Travel Insurance for Thailand in 2024

Travel Insurance for a Trip to Ireland: Compare Plans & Prices

Best Travel Insurance for a Japan Vacation in 2024

Faye Travel Insurance Review August 2024

Travel Insurance for Brazil: Plans & Coverage 2024

Best Travel Insurance for Bali, Indonesia (2024)

Travel Insurance for Turkey: U.S. Visitor Quotes & Requirements

Travel Insurance for India: U.S. Visitor Requirements & Quotes

Australia Travel Insurance: Trip Info & Quotes for U.S. Visitors

Generali Travel Insurance Review August 2024

Travelex Travel Insurance Review for 2024

Tin Leg Insurance Review for August 2024

Travel Insured International Review for 2024

Seven Corners Travel Insurance Review August 2024

HTH WorldWide Travel Insurance Review 2024: Is It Worth It?

Medjet Travel Insurance Review 2024: What You Need To Know

Antarctica Travel Insurance: Tips & Requirements for US Visitors

Travel Insurance for Kenya: Recommendations & Requirements

Travel Insurance for Botswana: Compare Your Coverage Options

Travel Insurance for Tanzania: Compare Your Coverage Options

Travel Insurance for an African Safari: Coverage Options & Costs

Nationwide Cruise Insurance Review 2024: Is It Worth It?

The Best Hurricane Travel Insurance for 2024

• Travel Insurance
• Travel Insurance for Seniors
• Cheap Travel Insurance
• Cancel for Any Reason Travel Insurance
• Travel Health Insurance
• How Much is Travel Insurance?
• Is Flight Insurance Worth It?
• Anniversary Trip Ideas
• Travel Insurance for Pre-Existing Conditions
• Places to Travel Without a Passport
• Christmas In Mexico
• Europe Travel Insurance
• Compulsory Insurance Destinations
• Philippines Travel Insurance
• Dominican Republic Travel Insurance
• Cuba Travel Insurance
• AXA Travel Insurance Review
• Travel Insurance for Thailand
• Ireland Travel Insurance
• Japan Travel Insurance
• Faye Travel Insurance Review
• Brazil Travel Insurance
• Travel Insurance Bali
• Travel Insurance Turkey
• India Travel Insurance
• Australia Travel Insurance
• Generali Travel Insurance Review
• Travelex Travel Insurance Review
• Tin Leg Travel Insurance Review
• Travel Insured International Travel Insurance Review
• Seven Corners Travel Insurance Review
• HTH WorldWide Travel Insurance Review
• Medjet Travel Insurance Review
• Antarctica Travel Insurance
• Kenya Travel Insurance
• Botswana Travel Insurance
• Tanzania Travel Insurance
• Safari Travel Insurance
• Nationwide Cruise Insurance Review
• Hurricane Travel Insurance

Policy Details

LA Times Compare is committed to helping you compare products and services in a safe and helpful manner. It’s our goal to help you make sound financial decisions and choose financial products with confidence. Although we don’t feature all of the products and services available on the market, we are confident in our ability to sound advice and guidance.

We work to ensure that the information and advice we offer on our website is objective, unbiased, verifiable, easy to understand for all audiences, and free of charge to our users.

We are able to offer this and our services thanks to partners that compensate us. This may affect which products we write about as well as where and how product offers appear on our website – such as the order in which they appear. This does not affect our ability to offer unbiased reviews and information about these products and all partner offers are clearly marked. Given our collaboration with top providers, it’s important to note that our partners are not involved in deciding the order in which brands and products appear. We leave this to our expert freelance writers who review and rate each product independently.

At LA Times Compare, our mission is to help our readers reach their financial goals by making smarter choices. As such, we follow stringent editorial guidelines to ensure we offer accurate, fact-checked and unbiased information that aligns with the needs of the Los Angeles Times audience. Learn how we are compensated by our partners.

4 Best Travel Insurance for Europe in 2024

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

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

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

4 Best travel insurance for Europe in 2024

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

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

What should European travel insurance cover?

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

5% OFF your travel insurance

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

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

Is travel insurance for Europe mandatory?

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

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

What countries need a Schengen Visa to visit Europe?

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

Schengen visa insurance requirements

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

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

What countries are in the Schengen Area?

The 26 countries that make up the Schengen Area are:

• Czech Republic
• Liechtenstein
• Netherlands
• Switzerland

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

How much does European travel insurance cost?

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

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

*Price used for example

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

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

Best Europe travel insurance

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

1. Heymondo , the best travel insurance for Europe

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

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

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

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

2. SafetyWing , a cheap European travel insurance

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

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

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

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

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

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

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

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

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

4. Travelex , another good travel health insurance for Europe

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

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

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

What should travel insurance for Europe cover?

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

Emergency medical expenses

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

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

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

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

Evacuation & repatriation

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

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

Trip cancellation & interruption

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

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

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

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

Baggage loss, theft, or damage

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

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

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

Electronic equipment

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

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

Adventure sports

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

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

Search and rescue

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

Natural disaster evacuation

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

Europe travel insurance with a discount

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

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

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

Is Europe travel insurance worth it?

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

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

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

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

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

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

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

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

Other things to plan for your trip to Europe

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

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

Lastly, enjoy your trip to the fullest!

FAQs – Travel insurance for Europe

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

Do I need travel insurance for Europe?

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

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

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

Do I need Europe travel insurance for a Schengen Visa?

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

Which countries are required to have travel insurance to Europe?

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

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

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

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

What’s not covered by travel insurance for Europe?

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

What is the best travel insurance for Europe?

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

How much is travel insurance to Europe?

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

Is travel insurance for Europe worth it?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Stay safe, and have a wonderful time in Europe!

Ascen Aynat

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

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

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

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

4-5 trips per year Mostly with my kids

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

Let me know if you have any questions, Ascen

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

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

Thanks, Ascen

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

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

I would try this one.

Let me know what you think.

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

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

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

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

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

• Best Extended Auto Warranty
• Best Used Car Warranty
• Best Car Warranty Companies
• CarShield Reviews
• Best Auto Loan Rates
• Average Auto Loan Interest Rates
• Best Auto Refinance Rates
• Bad Credit Auto Loans
• Best Auto Shipping Companies
• How To Ship a Car
• Car Shipping Cost Calculator
• Montway Auto Transport Review
• Best Car Buying Apps
• Best Sites To Sell a Car
• CarMax Review
• Carvana Review (July 2024)
• Best LLC Service
• Best Registered Agent Service
• Best Trademark Service
• Best Online Legal Services
• Best Accounting Software
• Best Receipt Scanner Apps
• Best Free Accounting Software
• Best Online Bookkeeping Services
• Best Mileage Tracker Apps
• Best Business Expense Tracker Apps
• Best CRMs for Small Business
• Best CRM Software
• Best CRM for Real Estate
• Best Marketing CRM
• Best CRM for Sales
• Best Mortgage CRM
• Best SEO Services
• Best Mass Texting Services
• Best Email Marketing Software
• Best SEO Software
• Best HR Software
• Best Payroll Services
• Best Global Payroll Services 2024
• Best Payroll Software for Accountants in 2024
• Best HR Outsourcing Services
• Best HRIS Software
• Best Free Time Tracking Apps
• Best Project Management Software
• Best Construction Project Management Software
• Best Task Management Software
• Free Project Management Software
• Best Personal Loans
• Best Fast Personal Loans
• Best Debt Consolidation Loans
• Best Personal Loans for Fair Credit
• HOME EQUITY
• Best Home Equity Loan Rates
• Best Home Equity Loans
• Best Checking Accounts
• Best Online Checking Accounts
• Best Online Banks
• Bank Account Bonuses
• Best High-Yield Savings Accounts
• Best Savings Accounts
• Average Savings Account Interest Rate
• Money Market Accounts
• Best CD Rates
• Best 3-Month CD Rates
• Best 6-Month CD Rates
• Best 1-Year CD Rates
• Best 5-Year CD Rates
• Best Hearing Aids
• Best OTC Hearing Aids
• Most Affordable Hearing Aids
• Eargo Hearing Aids Review
• Best Medical Alert Systems
• Best Medical Alert Watches
• Best Medical Alert Necklaces
• Are Medical Alert Systems Covered by Insurance?
• Best Online Therapy
• Best Online Therapy Platforms That Take Insurance
• Best Online Psychiatrist Platforms
• BetterHelp Review
• Best Mattress
• Best Mattress for Side Sleepers
• Best Mattress for Back Pain
• Best Adjustable Beds
• Best Home Warranty Companies
• Best Home Appliance Insurance
• American Home Shield Review
• Liberty Home Guard Review
• Best Moving Companies
• Best Interstate Moving Companies
• Best Long-Distance Moving Companies
• Cheap Moving Companies
• Best Window Brands
• Cheap Window Replacement
• Window Replacement Cost
• Best Gutter Guards
• Gutter Installation Costs
• Best Solar Companies
• Best Solar Panels
• How Much Do Solar Panels Cost?
• Solar Calculator
• Texas Electricity Companies
• Texas Electricity Rates
• Best Car Insurance Companies
• Cheapest Car Insurance Companies
• Compare Car Insurance Quotes
• Best Car Insurance for New Drivers
• Best Pet Insurance
• Cheapest Pet Insurance
• Pet Insurance Cost
• Pet Insurance in Texas
• Pet Wellness Plans
• Is Pet Insurance Worth It?
• Best Life Insurance
• Best Term Life Insurance
• Best Whole Life Insurance
• Term vs. Whole Life Insurance
• Best Travel Insurance Companies of August 2024
• Best Homeowners Insurance Companies
• Best Renters Insurance Companies
• Best Motorcycle Insurance
• Cheapest Homeowners Insurance
• Cheapest Renters Insurance
• Travel Medical Insurance

MarketWatch Guides is a reviews and recommendations team, independent of the MarketWatch newsroom. We might earn a commission from links in this content.  Learn More

Guide to Schengen Visa Travel Insurance (2024 )

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Sabrina Lopez is a senior editor with over seven years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she’s not working, Sabrina enjoys creative writing and spending time with her family and their two parrots.

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

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.

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.

• 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.

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.

Applying for Schengen Visa with Travel Insurance

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

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

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

Additional Expert Tips

There are some other considerations for Schengen visa insurance.

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

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

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

Frequently Asked Questions About Schengen Visa Insurance

Do you need travel insurance to visit schengen countries.

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

Is Schengen travel insurance refundable?

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

Does travel insurance cover all of Europe?

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

What are the benefits of Schengen visa insurance?

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

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

Schengen health insurance

Don't overpay. Compare quotes and get your insurance certificate in 2mn.

We help thousands of travelers to obtain a Schengen visa insurance certificate

Telemedecine

Compliant with Schengen visa requirements

Medical expenses up to €100,000

Single trip, multi trip or annual

Best insurance partners

Get your insurance certificate immediately

What does Schengen travel insurance cover?

What’s included in your travel insurance policy varies. Check your policy terms and conditions to be sure.

Medical treatment

Cost of emergency medical treatment.

Repatriation

Return to your country if you're seriously ill or injured abroad.

Urgent need to see a doctor and when you are not comfortable with the local language.

24-hour assistance

Don't be alone abroad and benefit from 24/7 assistance

How to get cheaper travel insurance for your Schengen visa ?

Trip details

Number of days, destination and travellers.

Compare prices and select the best offer.

Travelers details, dates and payment.

Certificate

You get the insurance certificate online.

About your Schengen travel insurance

What is schengen travel insurance.

Schengen travel insurance is a specific type of insurance for people visiting the Schengen Area in Europe. It provides medical coverage and emergency assistance during their stay, meeting the requirements for entry. It typically covers medical expenses, evacuation, and repatriation. It is mandatory for non-European visitors and beneficial for European citizens traveling within the Schengen Area.

Why do I need travel insurance to visit Europe?

Travel insurance for Europe is important for the following reasons:

Medical expenses: It covers unexpected medical costs during your trip.

Emergency evacuation: It helps cover the cost of emergency medical transportation.

Trip cancellation/interruption: It reimburses non-refundable expenses if your trip is cancelled or cut short.

Lost or delayed baggage: It provides coverage for lost, stolen, or delayed luggage.

Travel delays/missed connections: It covers additional expenses due to significant travel delays or missed connections.

Personal liability: It offers coverage for accidental damage or injury caused during your trip.

Overall, travel insurance protects you from unforeseen events and provides assistance when needed.

What are the covered countries?

Austria, Belgium, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland.

What conditions must my insurance meet?

Article 15 of document EC no. 810/2009 , also known as the Schengen Visa Code, outlines the requirements for travel insurance to be met in order to be eligible for a Schengen visa. Here is a summary of Article 15:

Visa applicants must have travel medical insurance that covers any expenses that may arise during their stay in the Schengen Area, including medical treatment, emergency hospitalization, and repatriation of remains .

The insurance coverage should be valid in all Schengen member states and for the entire duration of the intended stay .

The minimum coverage amount required is 30,000 euros or equivalent in other currencies.

The insurance policy should have no exclusions or limitations that could restrict its coverage.

The insurance policy must be issued by a recognized and authorized insurance company .

Proof of insurance coverage must be provided when applying for a Schengen visa .

Travellers love us

Every day, we help travellers obtain cheap Schengen visa insurance to get their visas and travel to France and Europe.

Application for a type C visa for France Really cheap travel insurance thanks to the comparison. I was able to obtain an insurance certificate for a short stay in France (1 month). It was very easy to get the certificate with the insurance I had chosen.

Application for a long-stay visa from South Africa I came to visit family in Germany for 15 days. Coming from South Africa, a Schengen visa is compulsory, and the site enabled me to find a really cheap one because I wanted to spend as little as possible on this insurance, as I don't have any health problems.

Long visa for France from the United Kingdom I came to study and I had to take a long visa for France. The cost of insurance is quite high on the other sites I'd seen. This site saved me over a hundred euros on my insurance.

Short visa from Turkey to Italy and France We travelled to Italy and France for a 15-day family holiday. Thanks to the comparator, we were able to choose the cheapest insurance and obtain our Schengen visa quickly.

Want to get a European stamp in your passport? You'll have until early November to get one

You’re running out of time if you want to get a European stamp in your passport. 

The European Union’s commissioner for home affairs announced in a speech Friday the E.U. would switch on its new electronic Entry/Exit System (EES) on Nov. 10, which will remove the stamp requirement for most tourists. 

“At every single airport, every single harbor, every single road into Europe. We will have digital border controls,” the text of her speech said. “When that happens, it will be goodbye to passport stamping, hello to digital checks.” 

Under the new system foreign visitors entering the E.U. will have their fingerprints and face scanned digitally upon entry. (Visitors who already require a short-stay visa, which U.S. tourists do not, will only have their face scanned.) E.U. officials will then use those biometrics to confirm a visitor’s entry and exit from the union. 

Once the EES is switched on, border officers will cross-reference a person’s biometrics with their passport on the first visit and will remain on file . For future visits, tourists’ biometric data will be verified on entry and exit.

Learn more: Best travel insurance

To use the system, travelers will need a biometric passport. Since 2007, the U.S. State Department has exclusively issued biometric passports, which have a symbol of two rectangles with a circle in the center on their cover. Visitors to the E.U. who do not have a biometric passport will have to go through more thorough processing at the border and will not be eligible to use self-service passport control kiosks. 

The E.U.’s EES system is separate from the European Travel Information and Authorization System ( ETIAS ), which will require most visitors to also preregister ahead of their trips.