Schengen Travel Insurance: Requirements 2023

Last Updated : Jan 18, 2024

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30-Second Summary

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

These are the Schengen EU travel insurance requirements:

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

    Coverage must extend to all Schengen Area member states.

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

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

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

What is Schengen Travel Insurance?

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

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

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

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

Who Is Required To Purchase European Travel Health Insurance?

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

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

Why Is It Required?

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

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

Benefits of Schengen Travel Insurance

Having Schengen travel insurance offers numerous advantages, including:

    Peace of mind knowing you're financially protected.

    Access to quality healthcare services.

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

Schengen Visa Insurance Requirements

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

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

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

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

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

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

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

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

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

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

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

Choosing the Right Insurance Plan

Selecting the right insurance plan requires careful consideration:

Factors to Consider

    Coverage limits: Ensure the plan covers your anticipated expenses.

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

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

Comparing Insurance Providers

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

Comparing Insurance Providers

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

Tailoring the Plan

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

Cost Considerations

    Shop around: Compare quotes from different insurance providers.

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

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

What Companies Offer Schengen Travel Insurance?

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

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

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

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

You can also obtain travel medical insurance for Schengen visa through AtlysBlack when applying for your visa. This method is stress-free and hassle-free.

What Is The Cost Of Schengen Insurance?

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

AXA Schengen's premium travel insurance prices

Seniors Traveling to Europe Should Get Travel Insurance

Where Can Seniors (Over 75) Get Schengen Travel Insurance?

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

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

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

For Seniors Over 75, the Best Schengen Travel Insurance Plans

Travel insurance prices for seniors on AXA

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

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

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

What is Typically Included in a Schengen Insurance Policy?

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

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

    Emergency evacuation.

    Repatriation of remains.

    Return of a minor.

    Accidental death, injury, or disability benefits.

    Overseas funeral expenses.

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

How to Discover The Cheapest Travel Insurance For Schengen Visa?

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

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

How to Include Travel Insurance in Your Visa Application?

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


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


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


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


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

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

Government Sources

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


Frequently Asked Questions

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

Verified Author:

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