insurance travel schengen

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.

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5 Tips for Buying Schengen Visa Travel Insurance

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Table of Contents

1. Decide which type of insurance you’d like

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

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

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

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

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

Travel medical insurance .

Trip interruption insurance .

Cancel for any reason insurance .

Trip cancellation insurance .

Lost luggage insurance .

Rental car insurance .

Accidental death insurance .

Emergency evacuation insurance.

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

» Learn more: Is travel insurance worth it?

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

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

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

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

The total cost of your trip.

Your destination.

Your dates of travel.

The number of travelers.

The age of travelers.

Where you live.

When you booked your trip.

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

» Learn more: What is travel insurance?

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

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

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

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

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

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

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

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

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

» Learn more: The best travel insurance companies

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

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

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

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

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

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

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

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

» Learn more: The cheapest flights to Europe on points

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

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

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

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

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

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Get Your Schengen Insurance

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

Extend Your Coverage

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

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

Schengen travel insurance

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

Which countries are in the Schengen area?

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

The leading Schengen travel insurance provider

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

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

Travel dates

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

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

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

• Immigration

Schengen Visa Travel Insurance: Complete Guide

Following these guidelines ensures that obtaining and presenting travel insurance for a schengen visa is a smooth and structured process. remember, selecting the right insurance policy and providing the requisite documents to the embassy are crucial steps in securing your schengen visa..

Key Takeaways:

• Schengen visa requires mandatory travel insurance with a minimum €30,000 coverage for medical expenses and repatriation in all Schengen countries.
• Travel insurance must remain valid throughout the stay and cost approx €20 to €50 for a one-week trip, varying by age and trip duration.
• Insurance premiums increase with age, policy duration, and maximum coverage limit; essential for visa approval, but recommended for all travelers to Schengen.

Planning a trip to Europe involves not just packing bags and booking flights, but also ensuring you meet all the necessary requirements for a smooth journey. One such critical preparation is obtaining the right travel insurance for those who need a Schengen visa . This guide aims to simplify the often confusing process of selecting and securing Schengen visa travel insurance, clearing your path to enjoying the historic, cultural, and scenic delights of Europe.

Travel insurance for a Schengen visa holds mandatory status and can be a dealbreaker in your visa application process if overlooked. But what exactly should your insurance cover, and how much should you expect to pay? From covering potential medical emergencies to ensuring you meet all embassy requirements for visa approval, this comprehensive guide delves into every detail you need to know. Whether you’re a seasoned traveler or a first-timer, understanding these essentials will not only protect you but also enhance your European adventure.

Schengen Visa Travel Insurance Guide

This guide provides essential information on obtaining travel insurance for a Schengen visa when visiting Europe.

What is Schengen Travel Insurance?

Schengen travel insurance is specifically designed for travelers who are required to apply for a Schengen visa. This insurance helps cover potential medical expenses, trip cancellations, and other unforeseen circumstances while traveling.

Is Travel Insurance Mandatory for a Schengen Visa?

Travel insurance is obligatory for anyone applying for a Schengen visa . Here are the key points regarding its requirements:

Also of Interest:

How to fill out form i-131: application for travel document, uae visa on arrival for indian travelers: simplified guide.

• Mandatory Requirement: The embassies of Schengen countries mandate that applicants must have valid travel insurance. Without it, your visa application will be denied.
• Quote from an official source: “Travel insurance coverage is a compulsory document for visa application and will be scrutinized during the visa interview.”
• For Non-Visa Nationals: Individuals from countries that do not require a visa to enter the Schengen zone are not obliged to acquire travel insurance. However, it is strongly advised to have one to ensure safety against health and travel risks.

Whether you need a visa or not, travel insurance for the Schengen Area is crucial for a stress-free journey, especially considering the unpredictable nature of travel. To avoid any complications with your travel plans, ensure you meet all insurance requirements before your trip.

Schengen Visa Travel Insurance Requirements

When applying for a Schengen visa, you are required to have travel insurance that fulfills specific criteria:

• Minimum Coverage : The insurance must provide at least €30,000 in coverage, encompassing medical expenses which include hospitalization, emergency medical services, and repatriation costs.
• Scope of Validity : The policy should be recognized in all 29 countries within the Schengen Zone.
• Duration of Coverage : Insurance should remain valid throughout your entire stay within the Schengen area.

Prominent insurance providers like Europ Assistance and MondialCare issue the necessary travel insurance certificates required by embassies for Schengen visa applications.

How Much Does Schengen Medical Travel Insurance Cost?

Comparatively, Schengen visa insurance is affordable against the total cost of traveling. Typically, for a one-week journey, the cost ranges from €20 to €50, depending on the specific policy chosen. The price of travel insurance is influenced by several factors:

• Age : “The cost of the insurance policy increases with age,” meaning individuals over 60 may see higher premiums than younger travelers.
• Trip Duration : Insurances are charged on a daily rate basis; thus, the longer your stay in Schengen, the more you will pay for insurance.
• Coverage Limit : Insurance plans vary extensively:
• A basic plan, covering up to €30,000 might cost less.
• Plans providing up to €100,000 or higher coverage will naturally be more expensive.

Understanding these factors and how they affect the overall insurance cost can help travelers make informed decisions about purchasing the right insurance policy for their Schengen visa application.

Where to Purchase Travel Insurance for a Schengen Visa

When planning your trip to the Schengen Area, purchasing travel insurance is a requirement. Here are several reliable options to consider for buying a travel insurance policy:

1. Online Travel Insurance Providers

You can conveniently secure travel insurance suitable for a Schengen Visa from the comfort of your home through online providers. Here are the top companies known for their comprehensive coverage:

• Europ Assistance
• MondialCare

2. Through Your Travel Agency

If you’ve arranged your European tour through a travel agency, they might offer travel insurance as part of their travel package.

• Note : This option is often the most expensive as some agencies tend to mark up the price of the insurance. Always review the policy details before finalizing. As mentioned, “ You should always read the policy beforehand – and if you don’t like it, see if you can opt out. “

3. Local Schengen-Accredited Insurance Companies

To buy travel insurance directly, you can approach a local insurance company accredited by Schengen authorities. Simply visit their office, request a Schengen travel insurance policy, and buy it.

By selecting from these tailored options, you ensure compliance with Schengen Visa requirements while choosing the plan that best fits your travel needs.

How to Purchase Schengen Visa Insurance Online

Purchasing Schengen Visa insurance online is straightforward. Here is a step-by-step guide to help you efficiently secure the right insurance for your travel needs:

Visit the Insurance Company’s Website :

• Navigate to the insurance provider’s website and click on the “Get a Quote” or “Start Now” button.

Complete the Online Application :

• Nationality
• Destination
• Dates of travel

Select a Plan :

• Carefully review the benefits of each to match them with your travel requirements.
• Choose between an affordable policy or a more comprehensive coverage depending on your needs.

Make the Payment :

• Payments can typically be made using a credit/debit card or PayPal.
• The cost will depend on variables such as age and trip length, as well as the chosen plan.

Download and Print the Insurance Certificate :

• Once your purchase is confirmed, download and print the Insurance Certificate provided in PDF format.
• “You need this to hand into the Embassy when you apply for a visa,” as it’s the proof required for your travel documentation.

How to Present Proof of Purchased Travel Insurance for Schengen Visa

When applying for a Schengen Visa, presenting proof of purchased travel insurance is essential:

• Travel Insurance Certificate : When you buy insurance, you will receive a travel insurance certificate. This document should be shown as proof when applying for your visa at the embassy.
• Meeting Specific Embassy Requirements :
• If the embassy has special requirements for the insurance certificate, contact your insurance company.
• They can tailor a certificate that fits the specific needs of your visa application.

Schengen Travel Insurance Plan Requirements

When applying for a Schengen Visa, a travel insurance plan must provide specific coverage to be considered valid. The coverage should include:

Medical Treatment Costs :

• In-patient and out-patient services
• Doctor consultations
• Hospital stays
• Surgical procedures
• Prescribed medications
• Emergency dental treatments

Repatriation or Evacuation Costs :

• Coverage is necessary in cases where you become seriously ill or are involved in a major accident requiring medical care back in your home country.
• It also includes repatriation in the event of death.

Additionally, insurers might offer extra coverage options such as trip cancellation and liability insurance.

Obtaining Schengen Visa Insurance from the USA

If you are based in the USA and planning a trip to Europe, obtaining Schengen Visa Insurance is straightforward:

• Purchase Online: You can easily purchase travel insurance suitable for Schengen visa applications through online platforms.
• Companies like Europe Assistance and MondialCare allow consumers to buy travel insurance directly from their websites.
• Download Insurance Certificate: After purchasing, you can download the Insurance Certificate which is often available in a printable electronic format.
• Visa Application: Simply submit the downloaded Insurance Certificate along with other required documents to the Embassy.

Purchasing Schengen Visa Insurance online and providing the required documentation to the embassy can streamline your travel preparations efficiently.

Understanding How Travel Medical Insurance Works

Introduction to Travel Health Insurance Travel health insurance is essential for covering financial losses due to medical emergencies when visiting Europe. If your insurance policy is valid during your trip, here’s how it typically works:

• Direct Billing : The hospital may send the bill directly to the insurance company, which means you do not have to pay anything upfront.
• Reimbursement Model : You pay the hospital bills yourself and subsequently file a claim with the insurance company to get reimbursed. Remember to retain all hospital bills for this purpose.

In case of an emergency, it’s critical to contact the assistance center immediately to receive guidance on how to proceed.

Purchasing Schengen Health Insurance Versus Relying on Domestic Insurance

Is Schengen Health Insurance Necessary? Even if you have domestic health insurance, it is advisable to purchase Schengen health insurance for travel in Europe. Domestic insurance plans typically provide coverage only within the country of issuance and do not extend to international travel. “Domestic insurance plans have coverage only within the country they were purchased in and do not cover international travel.”

Policy Refunds in Case of Visa Rejection

Can I Get a Refund If My Schengen Visa Application is Refused? Many insurance companies offer refunds if your Schengen visa application is denied. However, it varies by company:

• Check the FAQ section on the insurance company’s website.
• Contact the company directly for precise information regarding their refund policy in case of visa refusal.

Coverage Scope of Schengen Medical Insurance

Does Schengen Medical Insurance Extend Beyond the Schengen Area? Schengen medical insurance specifically targets the countries within the Schengen Area and does not cover other countries. If your travel plans include destinations outside the Schengen Zone, consider obtaining:

• An international travel insurance plan.
• A specific additional insurance plan that covers the non-Schengen countries you will visit.

In conclusion, understanding the specifics of how travel medical insurance works, ensuring you have the appropriate coverage for your destination, and knowing the conditions for potential refunds are crucial steps in preparing for travel in Europe and beyond.

Based on the detailed guide on Schengen Visa Travel Insurance, the following are official and helpful external resources that would be particularly relevant for someone seeking this type of insurance. These resources come from official government and insurance entities, providing credible and authoritative information for visa applicants:

• European Commission – Schengen Visa Information
• Website: https://ec.europa.eu/home-affairs/what-we-do/policies/borders-and-visas/visa-policy_en
• This is the European Commission’s official page detailing visa policies, including requirements and guidelines for the Schengen Visa.
• AXA Schengen Travel Insurance
• Website: https://www.axa-schengen.com/en
• AXA provides specific insurance for Schengen visa applicants, which meets the requirements set by the Schengen states.
• Allianz Travel Insurance – Schengen Visa
• Website: https://www.allianztravelinsurance.com/travel/schengen
• Allianz offers options for travel insurance that comply with Schengen Visa regulations.
• Europ Assistance – Schengen Travel Insurance
• Website: https://www.europ-assistance.com/en/travel-insurance/schengen-visa-travel-insurance
• Europ Assistance provides insurance products that accommodate the specific needs of travelers applying for Schengen visas.
• MondialCare – Europe Travel Insurance
• Website: https://www.mondialcare.eu/
• MondialCare offers travel insurance suitable for Schengen visa requirements.
• European Health Insurance Card (EHIC) Application
• Website: https://ec.europa.eu/social/main.jsp?catId=559
• Although not a replacement for travel insurance, the EHIC can be useful for EU citizens traveling within Europe.
• Schengen Visa Application Form
• PDF Download: https://www.schengenvisainfo.com/download-schengen-visa-application-form/
• This is a downloadable form that is required for all Schengen visa applications.
• Embassy of France in Washington, DC – Schengen Visa
• Website: https://washington.consulfrance.org/spip.php?article1404
• France’s embassy website, is often helpful for understanding specific requirements from one of the key Schengen countries.
• Germany Visa – Travel Insurance for German Schengen Visa
• Website: https://www.germany-visa.org/travel-health-insurance/
• This site provides detailed information about the travel insurance required specifically for a Schengen visa application for Germany.
• Website: https://www.sem.admin.ch/sem/en/home/themen/einreise/merkblatt_einreise.html
• Provides specific entry requirements and visa information for Switzerland.

Using these resources will give you official information regarding the Schengen Visa application process, including the mandates about travel insurance. This ensures that applicants can find all necessary, credible details directly from the responsible authorities or recognized organizations.

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Travel Insurance for Schengen Visa: A Comprehensive Guide

Updated: September 8, 2023

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

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

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What is Schengen Travel Medical Insurance?

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

Who Requires Schengen Travel Health Insurance?

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

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

Is Travel Insurance Mandatory for Schengen Visa?

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

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

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

What are the Schengen Visa Insurance Requirements?

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

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

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

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

1. Minimum Coverage

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

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

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

2. Validity Duration

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

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

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

Here is an example:

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

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

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

3. Validity in the Schengen Zone

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

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

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

What Does Schengen Visa Insurance Plan Cover?

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

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

1. Medical Coverage

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

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

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

2. COVID-19 Protection

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

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

3. Trip Coverage

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

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

What Does Schengen Visa Insurance Plan Not Cover?

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

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

Pre-existing Medical Conditions

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

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

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

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

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

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

How Much Does Schengen Visa Medical Insurance Cost?

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

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

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

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

How to Choose the Right Travel Insurance for Schengen Visa?

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

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

1. Reputation of the Company

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

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

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

2. Coverage Limits and Exclusions

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

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

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

3. Customer Reviews and Ratings

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

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

4. Schengen Insurance Certificate

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

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

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

Where to Purchase Travel Insurance for Schengen Visa?

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

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

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

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

How to Purchase Travel Insurance for Schengen Visa

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

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

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

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

How To Find Cheap Schengen Travel Insurance?

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

Frequently Asked Questions (FAQS)

Do us citizens need schengen insurance.

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

Is Schengen travel insurance refundable?

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

Can I purchase travel insurance after obtaining a Schengen visa?

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

Are pre-existing medical conditions covered by travel insurance?

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

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

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

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

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

WRITTEN BY THIRUMAL MOTATI

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

PLAN YOUR TRAVEL WITH VISA TRAVELER

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

01. Apply for your visa

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

02. Book your fight

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

03. Book your hotel

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

04. Get your onward ticket

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

05. Purchase your insurance

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

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

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

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

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Essential Guide to Schengen Travel Insurance: Choosing the Right Policy for Visa Approval

• Published: June 8, 2024
• Schengen Tourism , Schengen Travel , Schengen Visa

Schengen travel insurance is a crucial component for anyone planning to visit the Schengen Area. Not only is it a mandatory requirement for obtaining a Schengen visa, but it also offers essential coverage for medical emergencies, unexpected travel disruptions, and other unforeseen incidents during your trip.

Thoroughly understanding the specifics of Schengen travel insurance and selecting the right policy are vital steps that can significantly impact the success of your visa application.

This insurance ensures that travelers can handle any financial burdens arising from medical issues or travel interruptions without affecting their plans adversely.

What is Schengen Travel Insurance?

Schengen travel insurance is a specialized insurance policy designed to cover medical and travel-related emergencies for travelers visiting any of the 27 countries in the Schengen Area. This insurance provides financial protection and peace of mind in case of unforeseen events such as illness, accidents, or trip cancellations.

A Schengen travel insurance policy typically includes coverage for medical expenses, emergency medical evacuation, repatriation of remains, and sometimes additional benefits like trip interruption and lost luggage.

Each Schengen country requires proof of travel insurance as part of the visa application process. The insurance must be valid for the entire duration of the stay and provide a minimum coverage of €30,000.

This ensures that travelers have sufficient financial means to cover potential medical costs, preventing any burden on the host country’s healthcare system.

Why Schengen Travel Insurance is Mandatory

Schengen travel insurance is mandatory primarily to ensure the safety and financial protection of travelers and the countries they visit.

This insurance guarantees that travelers can access necessary medical care without incurring prohibitive out-of-pocket expenses, which is crucial given the high cost of healthcare in many Schengen countries.

Requiring travel insurance also reduces the financial risk for Schengen countries. Without it, travelers who fall ill or suffer accidents might not be able to afford medical services, potentially leading to unpaid medical bills that could strain public healthcare systems.

This requirement helps prevent such financial burdens and ensures that healthcare resources are available for both locals and visitors alike.

By mandating travel insurance, Schengen countries protect their healthcare resources and ensure that visitors can meet their medical needs without disruption.

Additionally, this policy supports public health efforts by facilitating prompt and effective medical treatment for travelers, thereby preventing the possible spread of diseases.

Comprehensive travel insurance further aids in the visa application process. Visa officers can quickly verify that applicants meet the minimum insurance requirements, which include coverage for medical expenses up to €30,000, emergency medical evacuation, and repatriation of remains.

Key Features of a Schengen Travel Insurance Policy

When selecting a Schengen travel insurance policy, it is essential to ensure that it meets the minimum coverage requirements set by the Schengen visa regulations. Here are the key features to look for:

• Medical Expense Coverage : The policy must cover at least €30,000 in medical expenses. This includes costs associated with hospital stays, surgeries, doctor visits, and prescription medications.
• Emergency Medical Evacuation and Repatriation : The insurance must cover the cost of emergency medical evacuation to the home country or to the nearest medical facility if necessary. It should also cover the repatriation of remains in the event of death.
• Trip Interruption and Cancellation : Many policies offer coverage for trip interruptions or cancellations due to unforeseen circumstances such as illness, injury, or death of a close family member. This can help recover non-refundable travel expenses.
• Personal Liability : This coverage protects against legal liability for bodily injuries or property damage caused to third parties while traveling.
• Additional Benefits : Depending on the provider, some policies may include additional benefits such as coverage for lost or stolen luggage, travel delays, and personal accident coverage.

How to Choose the Right Schengen Travel Insurance Policy

Choosing the right Schengen travel insurance policy involves several considerations to ensure comprehensive coverage and compliance with visa requirements. Here are some key steps to follow:

Assess Your Specific Travel Needs

• Duration of Stay : Ensure the policy covers the entire duration of your trip, from the day you leave until you return home.
• Activities Planned : If you plan to engage in high-risk activities such as skiing or scuba diving, look for a policy that includes coverage for adventure sports.
• Pre-existing Medical Conditions : Declare any pre-existing medical conditions to the insurer and check if they are covered under the policy.

Compare Different Insurance Providers

• Reliability and Reputation : Choose a provider with a strong reputation and positive customer reviews. Look for insurers with high claim settlement ratios.
• Customer Reviews and Testimonials : Reading reviews and testimonials from other travelers can provide insights into the quality of service and claim handling process.

Evaluate Coverage Details and Exclusions

• Inclusions to Look For : Ensure the policy includes all essential coverages such as medical expenses, emergency evacuation, and repatriation.
• Common Exclusions to Be Aware Of : Check for exclusions such as coverage for pre-existing conditions, high-risk activities, or specific destinations.

Consider Cost vs. Coverage Benefits

• Balancing Affordability and Comprehensive Coverage : While it might be tempting to choose the cheapest option, ensure that the policy provides adequate coverage for your needs. Sometimes spending a bit more can provide significantly better protection.

Common Pitfalls to Avoid When Selecting a Policy

Selecting the right Schengen travel insurance policy requires careful consideration to avoid common pitfalls that can lead to inadequate coverage or visa denial. One major mistake is overlooking the fine print. 

Insurance policies often contain detailed terms and conditions that outline what is covered and what is excluded. Failing to read and understand these details can result in unpleasant surprises during a claim.

For instance, some policies may exclude coverage for specific activities or pre-existing conditions, leaving travelers vulnerable to significant out-of-pocket expenses.

Another common error is choosing the cheapest option without assessing the comprehensiveness of the coverage. While budget considerations are important, a policy with very low premiums may lack critical coverage areas such as emergency medical evacuation or repatriation of remains. 

This can compromise the overall protection the insurance is supposed to provide. It is crucial to balance affordability with adequate coverage to ensure that all potential risks are mitigated.

Ignoring the geographical limits of the policy is another frequent oversight. Some insurance plans may not cover all countries within the Schengen Area or may have restrictions on specific regions.

Ensuring that the policy covers all the destinations on your itinerary is essential to avoid gaps in coverage that could lead to visa rejection or lack of support during emergencies.

Not declaring pre-existing medical conditions can also lead to issues. Travelers often assume that these conditions will be automatically covered, but many insurers require explicit disclosure and may charge additional premiums for such coverage.

Failure to declare these conditions can result in claims being denied, leaving travelers without necessary medical support.

Tips for a Smooth Schengen Visa Application Process

Ensuring a smooth Schengen visa application process involves several strategic steps, with travel insurance being a critical component. First and foremost, verify that your insurance policy meets all the Schengen visa requirements. 

This includes having coverage for at least €30,000 in medical expenses, including emergency medical evacuation and repatriation. Make sure that the policy is valid for the entire duration of your stay in the Schengen Area and covers all the countries you plan to visit.

Accurate and complete information is vital for the visa application. Double-check all the details provided in your application, ensuring consistency with the information on your insurance policy and other supporting documents.

Any discrepancies can raise red flags and potentially lead to delays or denials.

Organizing your documentation is another key aspect. Keep all necessary documents, including your insurance policy, passport, visa application form, flight itinerary, and accommodation bookings, neatly arranged and easily accessible.

This not only facilitates a smoother application process but also helps in case of any requests for additional information from visa officers.

Before submitting your application, review all the details meticulously. Ensure that your insurance policy explicitly states coverage amounts, geographical coverage, and the policy validity period.

Having these details clearly outlined can help visa officers quickly verify that you meet the insurance requirements, thus expediting the approval process.

Finally, consider reaching out to your insurance provider for any clarifications or additional documentation that might strengthen your visa application.

Some insurers offer certification letters or other forms of verification that can be submitted along with your visa application to further affirm the adequacy of your coverage.

Selecting the right Schengen travel insurance is a pivotal step in ensuring a successful visa application and a safe, worry-free trip.

Schengen travel insurance is not just a mandatory requirement but a crucial safeguard that protects travelers from significant financial burdens arising from medical emergencies and other unforeseen events.

By understanding the key features of a Schengen travel insurance policy, avoiding common pitfalls, and carefully choosing a comprehensive plan that meets all necessary criteria, travelers can significantly enhance their chances of visa approval.

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SCHENGEN TRAVEL INSURANCE

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

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

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

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

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

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

Why Choose Allianz Schengen Travel Insurance?

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

Different benefits  are available within this travel insurance product: 

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

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

Schengen Product

This is my 3rd consecutive time, i am purchasing your annual travel insurance . last year, i had issues with my travel in australia and allianz were very fast in paying my claims . i have never seen such an excellent service anywhere else. superfast responses and payment, well done , schengen travel visa insurance requirements – europe travel insurance.

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Schengen Travel Insurance

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Everything you need to know about Schengen Travel Insurance

What does a schengen insurance policy usually cover .

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

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

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

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

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

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

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

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

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

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

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

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

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

Key points regarding Schengen travel insurance coverage for multiple countries:

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

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

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

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

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

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

What is excluded from a Schengen travel insurance policy ?

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

How long do I need Schengen travel insurance?

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

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

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

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

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

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

Is there an age limit for Schengen travel insurance?

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

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

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

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

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

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

Can I get a Schengen visa without travel insurance? 

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

Key points regarding Schengen visa and travel insurance:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Do I need COVID protection for my Schengen travel insurance?

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

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

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

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

How do I make a claim? 

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

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

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

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

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

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

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

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

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

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

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

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

 Is Allianz Travel Insurance safe? 

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

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

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

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

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

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

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

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

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

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

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Going on a trip abroad is exciting, but emergencies can happen, and if they do, it can be expensive and challenging affair. You can take some of your stress away by booking a travel medical insurance policy with Covid-19 coverage at competitive pricing from global insurers. Don't forget that for Schengen visa applications, travel insurance is mandatory.

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Frequently asked questions

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1 . What is Travel Medical Insurance?

Travel Medical Insurance is designed to cover your emergency medical expenses while traveling abroad. In the event of an unexpected illness, injury, or medical condition during your trip, your travel medical insurance plan will reimburse you for the treatment costs, up to the limits specified in the plan.

2. Why do I need Travel Medical Insurance?

Travel Medical Insurance provides coverage for various risks that may arise during your overseas travel, including medical emergencies, COVID-19, and loss of passport. The coverage offered ensures an additional layer of protection against potential financial losses. For more detailed information on the coverage, please refer to the Travel Medical Insurance policy documents.

3. Why should you buy Travel Medical Insurance online?

Purchasing overseas travel insurance online is a convenient way to access a wide range of best plans at competitive prices from global insurers. This allows you to choose a suitable plan without incurring any extra commissions.

4. How much will overseas Travel Insurance cost?

The cost will depend on the kind of overseas Travel Medical Insurance policy you opt for, and it will vary from country to country. Multiple underlying health conditions will determine the final insurance premium you will have to pay.

5. How far in advance should I purchase Travel Medical Insurance?

It's best to purchase travel insurance within the first 14 days of your initial trip.

With Travel Medical Insurance assistance provided by VFS Global, you can book your insurance and submit your visa application together.

Even if you missed purchasing the insurance plan before or during the visa application process, you can still buy Travel Medical Insurance by visiting our website.

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Schengen Visa Travel Insurance (2024 Guide)

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.

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

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

Which Insurance Provider is Best for Schengen Visa?

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

Why Trust MarketWatch Guides

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

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Is Insurance Required for a Schengen Visa?

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

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

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

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

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

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

Schengen Visa Insurance Requirements

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

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

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

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

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

Types of Travel Insurance Policies

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

Here is a look at the different travel insurance coverages.

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

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

Choosing the Right Schengen Visa Insurance

There are several factors to consider when selecting travel insurance.

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

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

Here are six reputable insurers to consider.

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

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

Applying for Schengen Visa with Travel Insurance

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

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

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

Additional Expert Tips

There are some other considerations for Schengen visa insurance.

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

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

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

Frequently Asked Questions About Schengen Visa Insurance

Do you need travel insurance to visit schengen countries.

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

Is Schengen travel insurance refundable?

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

Does travel insurance cover all of Europe?

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

What are the benefits of Schengen visa insurance?

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

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

What Is Schengen Travel Insurance?

Quick answer.

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

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

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

Table of contents

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

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

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

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

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

Here’s the complete list:

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

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

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

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

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

European Travel Information and Authorisation System (ETIAS)

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

Here’s what you need to know:

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

Schengen visa requirements

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

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

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

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

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

Consulates of particular countries may require additional documentation.

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

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

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

Other travel-related coverage options

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

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

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

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

1. Research reputable travel insurance providers

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

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

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

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

3. Read your policy details

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

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

4. Get to know the claims process

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

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

5. Purchase and safeguard your policy

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

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

Should I get travel insurance for Europe?

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

How much travel insurance do I need for Europe?

What countries does europe travel insurance cover.

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

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

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

Travel Insurance For Schengen From India

Travel insurance for schengen visa from india.

Travelling to a Schengen country this year? Make sure to get travel insurance for Europe and travel insurance for a Schengen visa before you embark on the journey!

Expert's Guide to Schengen Visa Process

Schengen travel insurance.

Schengen travel insurance is insurance for travelling to Schengen countries. Schengen countries are those 26 countries that signed the Schengen agreement in 1985 in Luxembourg, Europe. The Schengen agreement makes it easy for tourists and travellers travelling to the European subcontinent to move unrestricted in any of the 26 countries during their stay. These counties include France, Switzerland, Austria, Germany, Belgium, Denmark, Greece, among others. Travellers arriving in a Schengen country can only stay up to 90 days within a 3-month window. Moreover, they need a Schengen visa and mandatory travel insurance for Schengen before they set foot in any of the listed Schengen countries.

Schengen travel insurance is a mandatory insurance cover for travellers that protects them from unforeseen eventualities that can threaten their trip by providing financial support in various scenarios. These include medical emergencies, hospitalization expenses, accidents, lost/ delayed baggage, misplaced passport, flight delays and cancellations, and even third-party damage, among several other travel-related scenarios.

Schengen travel insurance covers the costs arising from these eventualities to protect you from financial loss and getting overwhelmed during a trip to a foreign country. Once you get travel insurance for Schengen countries, you get secured for everything that could go wrong as long as it is mentioned and explicitly covered in the travel insurance for Schengen document. When you buy online on tataaig.com, you can choose between various plans. By using the Compare Travel Insurance Feature you can pick the plan the offers the best coverage amount & premium for you. Tata AIG’s Schengen travel insurance starts at an amount as little as ₹40.82 per day*. Moreover, you invest in rupees and receive coverage in Euros.

Why do You Need Schengen Travel Insurance?

Schengen travel insurance and a Schengen visa are mandatory for travelling to any of the listed Schengen countries. But besides travel insurance for a Schengen visa being mandatory for Indians, it is crucial to get Schengen travel insurance to secure yourself and your finances from anything that could go wrong during your trip.

Here are a few reasons why you need Schengen travel insurance from Tata AIG:

To cover the expenses of medical emergencies Imagine you are all excited about your trip to Europe. You can’t wait to explore the cafes, walk through the historic lanes, and taste the eclectic cuisine. But suddenly, you become sick and require immediate medical care.

Here is where your Tata AIG Schengen travel insurance will come to your rescue. It will cover the cost of hospitalization, accidents, and even emergency dental treatment.

To cover the things that could go wrong during the journey Nothing is worse than looking forward to a trip, but something unexpected causing a complete dent in your plans. While we can’t control what happens, we want to be there to take care of the consequences.

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

To support what you cherish back home Imagine you have already started your journey, but you get the sudden news of a family member falling sick. Or if someone reported a theft in your empty house. At such a time, you would not be able to enjoy the vacation awaiting you. Plus, you would definitely need financial assistance. Not only does travel insurance for a Schengen visa from India reimburse your booking and flight costs, but it also refunds the damage done to your home.

Benefits of Schengen Travel Insurance

Tata AIG has one of the most comprehensive and best travel insurance for Schengen visas that provide you with:

• Medical Cover :

The medical cover in the travel insurance for Schengen provides immediate financial assistance if you develop any illness, face an accident, and even the worst-case scenarios of any fatalities. In the scenario you need to continue your treatment in India, it will also cover the costs of evacuating you back.

• Baggage Cover :

Tata AIG’s travel insurance Schengen visa, India, also covers any delay or misdirection in your baggage by the airline you are flying in. If your baggage gets lost, stolen, or misplaced by any carrier or delivery, we will cover the costs of your personal belongings for a hassle-free stay.

• Journey Cover :

For any eventuality that takes place during your journey and derails it, our Schengen travel insurance India will cover the financial loss caused by them. These include flight delays and cancellations, trip cancellations, bounced bookings, passport loss, trip curtailments, among other harrowing scenarios.

• Covid Cover :

At present, the threat of COVID-19 is still looming at large. While you might take all the necessary precautions, it is possible to contract the virus. Not only can this cause a big dent in your travel plans, but it can pose an immediate threat to your life. With travel insurance for Schengen, you get coverage for medical expenses, trip cancellation, and refunds of amounts spent on bookings, accommodation, and travel.

Which are the Schengen Countries?

The Schengen countries are 26 countries in Europe that signed an agreement called the Schengen agreement. This agreement allows travellers coming to the continent to move freely within any of the 26 countries. So, people travelling within Europe do not have to apply for separate visas, insurance, and travel documents.

Before you get travel medical insurance for Europe, it is wise to know about the Schengen countries.

The countries include:

What are the Requirements of Schengen Visa Insurance?

To apply for travel insurance for a Schengen visa, you must know the basic Schengen visa travel insurance requirements:

• The travel insurance for Schengen visa coverage value must be a minimum of 30,000 euros. However, Tata AIG provides a coverage amount up to approximate 4,31,000 euros at premium prices as less as ₹40.82 per day.
• It must cover all medical emergencies, medical repatriation, and accident hospitalization costs at the very least. Tata AIG’s Schengen travel insurance is holistic, covering everything from medical emergencies to travel delays.
• Your Schengen travel insurance policy must be valid for the entire duration of your trip and in all 26 counties.
• You have to show your Schengen visa, the type of Schengen visa you have taken, and other relevant documents while obtaining a Schengen travel insurance policy.
• You have to state your purpose of travelling to a Schengen country and your expected time frame of staying in the continent, whether that is leisure travel, business travel, study travel, family and friend visitation travel, or any other reason.

Types of Schengen Visas

Before you get travel insurance for a Schengen visa in India, it is vital to know what type of Schengen visa will align with your purpose of travelling:

Uniform Schengen Visa A Uniform Schengen visa consists of two types of visas

• Type A Schengen Visa that is for anyone travelling through a Schengen country by air and only in-transit for a period of up to 24 hours.
• A type C Schengen Visa is for a short-term stay in a Schengen country for up to 90 days. Here there are single-entry, double-entry, and multiple entry Schengen visas.

National Schengen Visa A National Schengen Visa is for those travellers who intend to stay in a Schengen country for an academic course, research or pedagogical work, any professionals, international students, and any individual stuck in a Schengen country due to a medical emergency and other related reasons.

Documents Required for a Schengen Visa

Before you apply for a Schengen visa in India with the consulate or embassy of the Schengen country you plan to visit, you have to buy travel insurance for the Schengen visas. You can find a consulate or embassy near where you live for maximum convenience.

It is ideal to apply for a Schengen visa up to 6 months before your take-off date. The latest you can apply is 15 days before the scheduled trip, but since the visa approval takes around 10 to 15 days, it is not recommended to take such last-minute risks.

Here are all the documents required for Schengen Visa :

• A duly filled and signed printed copy of the visa application form
• Two passport-sized photographs with a light background clicked recently
• An active Indian passport that is not older than ten years and is valid for at least three months from your intended travel date to the chosen Schengen country
• Proof of accommodation during your stay in the chosen Schengen country and area
• The Schengen travel insurance is availed in India with a coverage of at least 30,000 euros.

Plus, there must be the base coverage of unforeseen medical emergencies, accidents, and medical evacuation and repatriation

• Flight tickets and flight itinerary to and from the Schengen country and area
• A cover letter stating the reason for your visit to the chosen Schengen country
• Proof of your civil status including but not limited to:
• Your marriage certificate
• Income tax return proof of the last 3 years
• Bank statement of the last 6 months
• Birth certificate of children
• Ration Card
• Proof of your capacity to finance your stay in the chosen Schengen country
• Proof of admission if you are travelling as an international student
• Letter of employment if you are travelling for work purposes

Moreover, while applying for a Schengen Visa, you will have to state your purpose of visiting the Schengen Area in the application form and during the interview at the embassy. Tata AIG provides one of the cheapest travel insurance for a Schengen visa at premium rates as little as ₹40.82 per day!

What is Schengen Visa Procedure?

Once you get offline or online travel insurance for a Schengen visa, you can apply for the Schengen visa. It is ideal to apply for your Schengen visa at least 30 to 60 days before the date of your trip, even though the cut-off date is 15 days before the trip. This is because the embassy or consulate where you apply for a Schengen visa might take anywhere between two weeks to two months to process your visa application. Here is how you can go about it:

Step 1 - Decide what purpose you are visiting the Schengen country for and select the Schengen visa type applicable These include:

• Transit Visa
• Tourist Visa
• Family and friends’ visitation visa
• Business visa
• Visa for cultural and sport activities
• Visa for official visits
• Medical visa

Step 2 - Apply to the embassy of the Schengen country you will visit. If you are visiting more than one Schengen country, apply to the consulate or embassy of the core destination country you plan to visit. Step 3 - Pick a suitable time frame to apply where the earliest date is 6 months before the trip, and the latest is 15 days. Step 4 - Book an appointment with the consulate/ embassy/ visa centre of the Schengen country. Most applications are online, but if your chosen Schengen country specifies an in-person booking, then you have to abide by that. Step 5 - You will receive the Schengen visa application form, where you will have to input details, including your personal information, background information, the purpose of visiting, and other relevant details. Before you fill the form, read the instructions on how to do so in its entirety. Step 6 - Once you fill the application form, gather all the relevant documents (mentioned above) and attach them while submitting. After that, you will receive a notification for a Schengen visa interview and get an appointment date. The interview will last around 15 minutes. Step 7 - The travel insurance for Schengen visa costs differ from insurer to insurer. At Tata AIG, we strive to provide the most holistic of coverages at affordable prices. That is why we offer comprehensive Schengen travel insurance at prices as little as ₹40.82 per day.

Best Time to Visit Schengen Countries

You can visit Schengen countries anytime during the year as the maximum temperature doesn’t exceed 23 to 25 degrees Celsius. As most of India hits hotter temperatures than those in Schengen countries, even 24-degree weather can seem pleasant. Schengen countries have four seasons:

• Summer where the temperature is between 14 to 24-degree Celsius (December – February)
• Autumn where the temperature is between 7 to 14-degree Celsius (September – November)
• Spring where the temperature is between 2 to 18-degree Celsius (June – August)
• Winter where the temperature is between -10 to 10-degree Celsius (March-May)

Each season has a unique experience to offer, and the local weather is different in different Schengen countries.

Things to Do in Schengen Countries

There are plenty of things to do in Schengen countries. You could visit popular destinations like France and visit the Eiffel tower at sunset. You could visit destinations blooming with history on every by-lane like Greece and Vienna. You could visit cultural heritages and rich architectural havens like the Czech Republic, Hungary, and Austria. You could soak in the eclectic cuisines of Italy and Spain, shopping in Germany and Belgium. And of course, there is everyone’s dream destination – Switzerland, where you could soak in amidst the luscious greenery and indulge in the world’s best chocolates. The list is never-ending, and the possibilities are countless.

What does the Schengen Travel Insurance Policy from Tata AIG Cover?

Before you buy travel insurance for a Schengen visa in India, it is necessary to know what the travel insurance coverage for Schengen visa from Tata AIG includes:

Accident & Medical Illness Treatment : Our Schengen travel insurance covers all medical costs arising due to an accident or any illness (excluding a pre-existing disease), including hospitalization, intensive care unit hospitalization, surgery, room rent expenses, and miscellaneous expenses.

Personal Accident Treatment : Our Schengen travel insurance covers all medical costs arising out of any unforeseen accident, including hospitalization, intensive care unit hospitalization, surgery, diagnostic tests, ambulance costs, room rent expenses, and miscellaneous expenses.

Medical Evacuation : Our Schengen travel insurance covers immediate evacuation expenses needed due to an unforeseen medical emergency at the nearest hospital available in the Schengen country where the eventuality occurs. If the need is, the travel insurance will also cover the costs of medical evacuation back to India.

Emergency Dental Treatment : Believe it or not, our Schengen travel insurance also covers emergency dental treatment expenses. We provide a monetary dental benefit for reasons including a medically necessary filling of a tooth/ teeth, surgical treatment required, and any other services or supplies needed to treat the tooth. However, all the dental benefits shall be limited to the treatment given only to sound natural teeth, i.e., no artificial teeth.

Trip Delay/Curtailment : Our Schengen travel insurance covers trip delays and curtailments caused due to loss of travel or accommodation due to cancellation by the other party. Even for unused travel and accommodation expenses due to a personal reason, we will refund all the unused expenses.

Baggage Loss and Delay : Our Schengen travel insurance covers the costs of all personal items due to delayed, misdirected, or lost baggage caused by the airline’s negligence. It also covers the personal belonging costs if the carrier or delivery personnel misplaces your entire baggage. Even incidents of theft are covered.

Flight Delays/Cancellation : We know how frustrating flight delays and cancellations can be for no fault of your own. That is why we cover the additional expenses incurred in securing an extra night or two of hotel stays and further bookings. You also receive coverage in case of missed or cancelled flights.

Repatriation Cover : If any case of unforeseen fatality, where the worst possible scenario plays out, we at least wish to ensure that your loved ones receive the financial support they deserve in the tough time caused by your demise. Moreover, we ensure your loved ones get to give a final goodbye by transporting remains back to India.

Hijack Risk Cover : We hate to even imagine this, but in the terrible eventuality of your flight getting hijacked, we wish to provide financial assistance as much as we can. In such a time, we hope to lessen the impact of your trauma with a distress allowance that will at least take care of your financial liabilities.

Personal Liability : In the unlikely eventuality of you causing damage to someone else, we would like to assume financial responsibility for the same. In the case of you and a third party being involved in an accident and the third party getting hurt, we will cover all the damage caused to the third party.

COVID-19 Cover : If at any time during your trip you contract COVID-19, we’re right here to ease the strain of recovery. We will take care of all the medical expenses incurred due to the disease, reimburse you for the unused and non-refundable amount of your bookings/ accommodations, and automatically extend your travel insurance by seven days if there is a lockdown imposed in your Schengen country/ city.

What does the Schengen Travel Insurance Policy Not Cover?

While we would love to secure you for every possible catastrophe, there are some scenarios where our travel insurance would not be able to help. These include:

Cosmetic treatment : We do not cover the costs of elective, cosmetic, or plastic surgery, except as a result of an injury caused by a covered accident while our travel insurance policy is in force.

War & civil unrest : We do not cover any losses arising out of war, civil war, invasion, insurrection, revolution, an act of a foreign enemy, hostilities (declared or undeclared), rebellion, mutiny, use of military power, usurpation of government/ military power, or civil unrest

Adventure sports : We do not provide financial support in the case of any damage or injury caused due to engaging in adventure sports of any kind. These include scuba diving, paragliding, bungee jumping, river rafting, among other life-threatening sports.

Mental disorders : We do not cover any mental disorders, any sexually transmitted diseases (including but not limited to HIV/ AIDS), and any pre-existing diseases.

Alternative Treatment : We do not cover any alternate treatments of any type that are prevalent in India, including but not limited to Homeopathy, Ayurveda, Unani, and other alternative medicinal practices.

Journey Exclusions : We do not cover charges incurred for diagnostic, x-ray, and laboratory examinations that are not related to the illness/ injury. We do not cover any charges for treatment rendered by a doctor that is outside his/ her medical professional or doctor’s fees charged by an immediate relative or sharing the same residence.

We do not cover the costs of any personal comfort and convenience items like television, telephone calls, internet, food, cosmetics, hygiene items, and other body care/ comfort products.

• Baggage Exclusions : We do not cover any damage or loss to a partial amount of your baggage. We only cover losses and reimburse the cost of personal belongings due to the whole loss of baggage.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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1. why do i need a schengen travel insurance policy.

You need a Schengen Travel Insurance Policy as it is mandatory if you want to travel in any of the 26 countries constituting the Schengen continent. Moreover, it is always better to have financial security in case of an emergency that threatens to drain your savings.

2. Can Business Travellers Buy a Schengen Travel Insurance Policy?

Yes, of course. Business travellers can and have to buy a Schengen Travel Insurance Policy. One of the main Schengen visas is business visas. And those travelling for professional or work-related purposes must avail of a Schengen travel insurance policy to avoid any kind of hassle

3. What is Not Covered Under a Schengen Travel Insurance Policy?

A Schengen Travel Insurance Policy, especially from Tata AIG, covers a wide range of unforeseen scenarios, including dental treatment and fatalities. But there are some things beyond the scope of coverage, including costs incurred due to cosmetic treatment, war and civil unrest, alternative treatments, injury caused due to adventure sports, mental disorders, pre-existing diseases, and others. You should always read the travel insurance policy document in detail to know about all its exclusions.

4. What is the Eligibility Criterion to Apply for a Schengen Visa?

To be eligible to apply for a Schengen visa, you must:

• Fill the visa application form within the desired time frame
• Be clear about your purpose of visiting the Schengen country
• Have all your relevant documents in place
• Have enough financial and civil status
• Have your itinerary, accommodation, and mode of travel sorted
• Have Schengen travel insurance in place

5. Is It Possible to Travel to Multiple Schengen Countries with the Same Schengen Visa?

Yes, it is possible to travel to multiple Schengen countries with the same Schengen visa. However, there is a specific type of visa that allows for multiple travels within different countries. It is the multiple-entry or type C uniform Schengen visa or the Multiple-entry or type-D Schengen visa.

6. How Does a Single-Entry Schengen Visa Differ from a Multiple-Entry Schengen Visa

A single-entry Schengen visa allows you to enter a Schengen country only at one given time during a period of 180 days and for a maximum of 90 days. Once you exit the Schengen country, you are not allowed to return and have to apply for a new visa altogether.

A multiple-entry Schengen visa allows you to enter multiple Schengen countries within the same span of 180 days and for a maximum of 90 days. It saves you the effort of doing paperwork again and again.

7. How Much Time Does It Take to Process for a Schengen Visa

It usually takes around two weeks to process a Schengen visa if the embassy/consulate finds everything in the right place and is satisfied with your application form. In some specific cases, the embassy/ consulate takes around 30 days to process a Schengen visa. In some unusual cases, it takes around 60 days to process the visa.

Disclaimer :

All the information provided above has been well-researched and sourced from reliable sources. Since this information is subject to change, it is advisable to check the latest travel guidelines and other location-specific information before planning a trip to any location. *Subject to change based on the nature and extent of coverage.

Other Destinations

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

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Visas and entry requirements in europe and the schengen area.

This page is for Australians travelling to Europe.

Read this page to learn about:

• the Schengen Area
• entry and exit to the Schengen Area
• other European countries with visa waivers
• non-Schengen European countries

The Australian Government doesn't issue visas for other countries. We can't provide final information on border rules. Ask your destination's high commission, embassy or consulate for details before you travel.

The Schengen Area

The Schengen Area is made up of 27 European countries with common border rules. It lets travellers move freely between member countries without

• going through border controls
• getting a visa for each country.

The members of the Schengen Area are:

• Czech Republic
• Liechtenstein
• The Netherlands
• Switzerland

Bulgaria  and  Romania  partially joined the Schengen area on 31 March.  Border checks should have ceased for air or sea travel  between Bulgaria, Romania, and other Schengen Area countries. Checks are still undertaken for land-based travel. Stays in Bulgaria and Romania now count towards your total visa-free stay in the Schengen Area (see below).

Entry and exit in the Schengen Area

Australians can travel visa-free in the Schengen Area for up to 90 days in a 180-day period. Your travel must be for:

• business purposes
• visiting friends and family
• tourism and holidays
• cultural and sports events
• official visit
• medical reasons
• short-term study

Apply at the embassy, high commission or consulate of the country where you'll stay the longest. If you're staying for the same length of time in each country, apply at the embassy of the country you'll visit first.

You'll need to apply for a visa if:

• you're planning to stay for more than 90 days
• your reason for travel changes, and you no longer qualify for visa-free travel.

You'll need to apply outside the country you want a visa for.

Calculating your 90/180 days

Calculating your visa-free days can be complicated. The European Commission provides a calculator to help you track your visa-free days .

• The 180 days isn't fixed in time. It's calculated backwards from today.
• Your 90 days are calculated from your first day in the Schengen Area within the 180 days.
• If you leave and return within 180 days, your last stay will count towards the 90-day maximum.
• If you use up your visa-free days, you must leave until you accumulate more or apply for a visa.
• You may be fined or banned from the Schengen Area if you overstay your 90 days.

Example You arrive in Spain on 18 March. You fly to the UK on 21 April and stay there until the 29th. On 30 April, you travel to Greece and stay until 23 June. Your trip was 97 days, but only 90 were in the Schengen Area. You can't re-enter the Area until at least 14 September, when the Spanish leg of your trip falls outside your 180 days. If you re-enter on 14 September, you can only stay another 35 days as your time in Greece still counts towards your current 90 days. If you re-enter on 22 September, you can stay another 90 days, as you haven't been in the Area in the past 180 days .

Entering and exiting the Schengen Area

You must show a valid passport when entering the Schengen Area.

Your passport must be valid for at least 3 months after the date you intend to leave.

Make sure you get a clear entry stamp in your passport when you enter the Schengen Area for the first time. Without a stamp, you could be fined or detained.

Some countries need you to register within 3 days of arrival.

See our destination-specific travel advice for entry and exit details for each country. Check the European Commission for information on temporary border controls .

These visa rules only apply when travelling on your Australian passport . If you're a dual national travelling on your other passport, check the rules for that nationality.

The European Travel Information and Authorisation System (ETIAS) is an electronic security system. It will do a security check before you can enter participating European countries . ETIAS is expected to start in mid-2025 if the new system is working.

You won't need an ETIAS for EU countries who aren't taking part in the program.

Other European countries with visa waivers

There are other European countries where you can travel visa-free. Travel to these countries does not count towards your 90 days for Schengen Area travel.

Countries can change their border rules at short notice. Before you travel, ask your destination's nearest embassy or consulate for the latest rules.

Visa waiver agreements with Australia

Australia has visa waiver agreements with several countries in the Schengen Area. These agreements may allow you to spend 60 to 90 days in the country for tourism.

Visa waiver agreement countries include:

Using visa waiver agreements with Schengen visa-free arrangements is complex. Each country operates the visa waiver in its own way.

Most countries need you to use the visa waiver at the end of your Schengen Area travel.

Visa-free tourism programs in non-Schengen countries

Some European countries outside the Schengen Area allow you to enter visa-free for tourism. Most let you stay up to 90 days. Some are for longer. See our country advisories for details on border rules.

• Bosnia & Herzegovina
• North Macedonia (Republic of North Macedonia)
• United Kingdom

Non-Schengen European countries

Many European countries are not part of the Schengen Area. Non-Schengen countries have their own border rules. These countries include:

Ask these countries' high commission, embassy or consulate for visa information.

• General advice on  visas .
• Before you go, get the right travel insurance .
• Read about Australia's 11 reciprocal health care agreements .
• The Schengen Area explained

Related content

Many Australians hold two or more nationalities. If you're travelling to the country of your other nationality, find out how your citizenship can impact you.

Foreign governments often require you to get a visa before they let you enter. This page provides general advice and information about visas overseas.

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5 Things You Must Know Before Ever Buying Travel Insurance

Whether you are a frequent traveler or someone who only takes one long vacation a year, having travel insurance is always a good idea, especially if you plan to go abroad. Travel insurance can help you cover any unexpected expenses like medical care and lost or delayed baggage. 

However, before buying travel insurance there are five key things you should keep in mind to ensure the best coverage for your needs:

Always Understand Properly What You Are Getting 

Not all insurance policies are equal. The coverage usually includes trip cancellations, medical emergencies, and lost luggage. However, picking the cheapest insurance may come with certain exclusions and claim limits. For instance, some policies also cover natural disasters, while others don't.

Pre-Existing Medical Conditions Matter

Declaring pre-existing medical conditions is required for every insurance, including travel. Checking things like whether the policy covers any necessary doctor visit or hospital stay related to a previous condition is included in the policy or not, will help you immensely later.

Check The Claim Process To Avoid Any Hassle Later 

Before purchasing a policy, check how the claims are processed and the documentation you will require. While some insurers have a straightforward online process, others may need more legwork. To get a better understanding, checking reviews of past customers can be helpful.

Where You Plan To Go Will Affect Your Insurance Needs 

Whether you plan to go to one place or more, your destination will play a role in determining the travel insurance policy needed. For example, if you plan to go to a place with a history of political upheaval or terrorism, choosing a policy with evacuation coverage would be wise.

Don't Settle For The First Policy You Find

Doing research, comparing notes of customer reviews, cost and coverage, and shopping around for different plans, helps you tailor the best policy for your need. Create a checklist of what are your requirements, and then compare policies. Websites with aggregated insurance options can be a good starting point.

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What are the requirements for Schengen Visa Travel Insurance?

What are the requirements for schengen visa insurance.

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

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

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

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

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

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

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

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

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

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

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

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

What documentation do I need to provide to visa officials?

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

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

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

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

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

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

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

Does AXA have a refund policy?

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

Related topics on Schengen insurance

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

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

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

What happens if I give you the wrong information?

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

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

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

Get Schengen insurance

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Geographic coordinates of Elektrostal, Moscow Oblast, Russia

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Coordinates of Elektrostal in decimal degrees

Coordinates of elektrostal in degrees and decimal minutes, utm coordinates of elektrostal, geographic coordinate systems.

WGS 84 coordinate reference system is the latest revision of the World Geodetic System, which is used in mapping and navigation, including GPS satellite navigation system (the Global Positioning System).

Geographic coordinates (latitude and longitude) define a position on the Earth’s surface. Coordinates are angular units. The canonical form of latitude and longitude representation uses degrees (°), minutes (′), and seconds (″). GPS systems widely use coordinates in degrees and decimal minutes, or in decimal degrees.

Latitude varies from −90° to 90°. The latitude of the Equator is 0°; the latitude of the South Pole is −90°; the latitude of the North Pole is 90°. Positive latitude values correspond to the geographic locations north of the Equator (abbrev. N). Negative latitude values correspond to the geographic locations south of the Equator (abbrev. S).

Longitude is counted from the prime meridian ( IERS Reference Meridian for WGS 84) and varies from −180° to 180°. Positive longitude values correspond to the geographic locations east of the prime meridian (abbrev. E). Negative longitude values correspond to the geographic locations west of the prime meridian (abbrev. W).

UTM or Universal Transverse Mercator coordinate system divides the Earth’s surface into 60 longitudinal zones. The coordinates of a location within each zone are defined as a planar coordinate pair related to the intersection of the equator and the zone’s central meridian, and measured in meters.

Elevation above sea level is a measure of a geographic location’s height. We are using the global digital elevation model GTOPO30 .

Elektrostal , Moscow Oblast, Russia