fb-pixel

Perfect Schengen Visa Insurance - Europe Travel Insurance

Last Updated : Oct 2, 2023

Atlys in the news

Atlys featured inAtlys featured inAtlys featured inAtlys featured in

At the start of 2020, the world was forever changed by the global pandemic known as COVID-19. In fact, during that time, my family and I learned a very valuable lesson...

The Unfortunate Reality Of COVID-19

My husband, son, and I have never really been the kind of people who got sick easily. To be honest, before the pandemic really took its toll on the world, we rarely went to the hospital. But, that all changed the day my son tested positive for COVID-19. Suddenly, the virus known for turning the world upside down found its way into our lives. Honestly, I have never been so afraid and stressed in my life...

During that time, my husband and I visited our son in the hospital - daily. Also, we had to cover all the medical expenses as we didn't believe in the expensive medical insurance (an obvious mistake). To keep my story short, all I'll say is that our family was fortunate enough not to have lost anyone during the pandemic.

After my son's COVID-19 scare, we were careful to follow all the health and safety precautions wherever we went. This included our recent trip to Greece.

In January 2021, my husband and I planned a trip with our son to Greece. My son loves Greek mythology and has been asking us to take him even before he got sick. So we decided that we would surprise him with this trip, as he had a really rough year (after-effects of COVID-19).

The decision was made impulsively one evening while watching Percy Jackson with our son. My husband and I decided that we should start our visa application as soon as possible as he only had a month and a half left before he had to go back to work.

Applying For Our Schengen Visa

Our friends (who travel frequently) urged us to use an app called Atlys to apply for our Schengen Visa. They ensured us that it would cut the Schengen visa application time in half. The best part, we could apply from anywhere, even from our comfy bed. So that's what we decided to do. The very next day, my husband downloaded Atlys and applied for all our Schengen Visas.

While reading through the required documents, I noticed that we had to obtain valid health insurance.

I remember thinking: "What classifies as valid health insurance?"

After the stress of my son testing positive for coronavirus, I had to know. There was no way I would be so naive again. I would ensure that my entire family would be safe, even if we never used the health insurance. Rather safe than sorry (a lesson learned).

My Concerns About Our Health

You see, I never really understood why it was mandatory to obtain health insurance for a short visit to the Schengen Area. I used to think that nothing bad would happen to my family. As I mentioned, we weren't prone to get sick. But after my son tested positive, I realized that anything could happen without a moment's notice. And if you're not prepared, it could have dire consequences.

Anyway, I contacted the customer service of Atlys to ask for some clear indication of the health insurance requirements. They were very friendly and eager to answer my questions. So here's what they had to say...

The Schengen Visa Travel Insurance

She (the customer service lady) informed me that health insurance, or travel medical insurance, must be obtained to provide medical coverage should we need it during our journey to Europe or any Schengen Member State.

She explained that there are many testimonies of people who had to go to the hospital unexpectedly due to some accident or injury. But, unfortunately, these people didn't have medical coverage, which meant they had to pay a ridiculous amount of cash or not get treated. - I don't want that to be me or any member of my family.

What Are The Schengen Visa Travel Insurance Requirements? - I Asked

After we discussed the importance of medical insurance, I asked her about the requirements thereof. The requirements for the Schengen Visa Health Insurance include the following:

    It must provide minimum coverage of €30,000

    It must provide coverage across the entire Schengen AreaThe Schengen Countries include Austria, Belgium, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

    It must cover all medical expenses that may occur during your trip. This includes medication, medical treatment, emergency hospital treatment, death, and so on.

    It must be valid for the duration of your stay. (So in our case, it must be valid for at least 2 weeks)

She also mentioned that my health insurance must provide medical coverage for all COVID-19 related illnesses or anything COVID -19 related. This includes:

    Health emergencies related to COVID-19, including medical treatment, repatriation costs, medication, and hospitalization.

    COVID-19 tests, like a PCR-Test

So, after she informed me about all the requirements, I still had a few questions...

Can I Extend My Health Insurance?

There was always the chance that we might stay longer in Greece than planned. So, I asked if it's possible to extend the health insurance.

She told me that it was possible, but I had to contact the insurance company to find out the exact rules. Typically, you can either renew your existing health insurance policy or purchase a new one. However, I was informed that I would be charged for the extended duration (as expected).

What Does Medical/Travel Insurance Cover?

While talking to her, she referred to medical insurance like travel insurance, travel health insurance, and travel insurance policy. This had me a bit confused. So, I asked her what the insurance typically covers during a trip. She informed me that some of the best travel insurance policies and travel insurance plans include:

    Medical emergency (accident or sickness) while in the Schengen Area

    Emergency medical evacuation

    ​Medical attention

    Repatriation of remains

    Return of a minor

    Trip cancellation

    Trip interruption

    Accidental death, injury, or disablement benefit

    Overseas funeral expenses

    Lost, stolen, or damaged baggage, personal effects, or travel documents

    Delayed baggage (and emergency replacement of essential items)

    Flight connection missed due to airline schedule crash

    Travel delays due to weather

    Hijacking

    It's also possible to get pregnancy-related cover (I don't really know how this works)

What Is Not Included In Travel Insurance?

My reasoning: it's good to know what the travel insurance won't cover. That way, I could try to find coverage for these things or avoid things that aren't covered.

    Your travel insurance won't cover pre-existing conditions. This can include asthma, diabetes, and so on.

    Apparently, many insurance companies don't cover injuries that occur during sports with an element of risk. This can include skiing, scuba diving, bungee jumping, and so on.

    Travel to high-risk countries (e.g., Due to war, natural disasters, or acts of terrorism)

    Pre-existing conditions that were never mentioned. Meaning a sudden and unexpected occurrence of pre-existing medical conditions without any prior warning from a health care professional.

Is Health Insurance Mandatory For All Visitors?

It turns out that, in fact, health insurance is not a mandatory requirement for all travelers. This came as a shock as I thought every traveler was required to obtain valid medical insurance. It turns out that the citizens from countries who enjoy the benefit of visa-free travel to the European Union don't require medical insurance to enter European countries. However, it is highly recommended that they get valid medical insurance, but not a mandatory requirement. Only citizens from countries who need to apply for a Schengen Visa need to get medical insurance.

After Our Talk

After talking to the friendly lady, I felt more confident about the type of health insurance I would like to get. It was extremely important for me to get the perfect health insurance for myself and my family.

In the end, my husband and I decided to purchase the required travel insurance through the Atlys app. The travel insurance we purchased through Atlys is called Allianz. It meets all the travel insurance requirements I mentioned above and was also very affordable!

Pro tip: Most employers offer mandatory travel insurance yet most people ignore it. It turns out that these mandatory travel insurance's meet all of Schengen insurance requirements. All you need to do is ask your HR dept for the insurance card (if the employer provides this) and downloaded a policy copy from the internet. You can end up saving $120+.

Anyone who has ever had a COVID-19 scare or any other type of tragic event happen to them will understand how important medical coverage is.

Even if I'm fortunate enough to never need travel/health insurance, I'll always go through the effort to acquire one. This is because my family and I have learned a very important lesson. Like my husband always says, "Rather have something and not need it. Then need it, but not have it."

Anyway, our trip to Greece was fantastic! I was so pleased to see how happy my son was and how much he enjoyed it. Furthermore, we never needed our medical insurance, which was a great plus!

Verified Author:

Visas in Under a Week

Quick VisaUnited Arab Emirates5 min read

A Step-By-Step Guide To Obtaining Your Dubai Tourist Visa In 2023

Feb 19, 2024
Dubai Tourist Visa

This comprehensive guide covers everything you need to know about Dubai tourist visas, including fees, processing times, and application requirements.

Quick VisaEgypt7 min read

The complete guide for the Egypt visa from the US

Feb 19, 2024
Egypt visa for US citizens

In this blog, we'll cover everything US citizens must know about applying for an Egypt E Visa. We'll discuss the visa requirements, application process, processing times, and Egypt visa costs.

Quick VisaArmenia6 min read

Get your Armenia visa quickly - Steps on how to apply and requirements

Feb 20, 2024
Armenia visa

Learn how to get your Armenia visa online; discover all the necessary steps to apply with a step-by-step guide and the requirements.

Quick VisaTürkiye7 min read

Turkey e-visa for US: Cost and application 2023

Feb 19, 2024
Turkey e-visa

Explore a complete guide on Turkey's eVisa for US citizens: application process, requirements, and tips for a seamless travel experience to Turkey.

Quick VisaKenya7 min read

The Kenya visa for US citizens: How to travel to Kenya

Feb 20, 2024
Kenya visa for US citizens

In this post, you will find important information about the Kenya Visa for US citizens. This post will cover everything about the Kenya eVisa, the requirements, and how to apply.

Quick VisaZimbabwe7 min read

Zimbabwe visa on arrival application guide for US citizens

Feb 20, 2024
Zimbabwe visa on arrival

Need your Zimbabwe visa? No problem! This post has everything you need to know about getting a visa to Zimbabwe!

Quick VisaPhilippines5 min read

Philippines Tourist Visa: Requirements and visa fees in 2024

Feb 20, 2024
Philippines Tourist Visa

In this post, you'll learn everything you need to know about the Philippines Tourist Visa, including how to apply, the required documents, and the visa fee.

Quick VisaDominican Republic6 min read

Dominican Republic Visa & Tourist Card: Application and Requirements

Feb 21, 2024
Dominican Republic Tourist Visa

Discover travel requirements for US citizens visiting the Dominican Republic. Stay informed on entry requirements for a seamless visit.

Quick VisaMorocco6 min read

Morocco e-visa: Requirements and Application 2024

Feb 15, 2024
Morocco e-visa

US citizens can travel visa-free to Morroco. Discover the Morocco e-visa for US Green card holders. How to apply, eligibility, requirements, and the e-visa fee.

Quick VisaSaudi Arabia6 min read

Saudi Arabia e-visa - Application guide and requirements 2024

Feb 16, 2024
Saudi Arabia e-visa

Get your Saudi Arabia visa now! This post will guide you through everything you need to know about the Saudi Arabia Tourist Visa.

Quick VisaBahrain7 min read

Get your Bahrain visa now - Bahrain e-visa application process

Feb 16, 2024
Bahrain visa for US citizens

Need a Bahrain visa? You're in luck! This post covers everything you need to know about the Bahrain e-visa including the application process and requirements.

Quick VisaEthiopia4 min read

Ethiopia tourist visa: Easy application process for travelers

Feb 16, 2024
Ethiopia tourist visa

Explore Ethiopia hassle-free with the e-visa for US citizens. Secure your visa online for a seamless travel experience. Apply now!

Quick VisaMyanmar (Burma)4 min read

Myanmar e-visa— Application and requirements 2024

Feb 16, 2024
Myanmar visa for US citizens

US citizens must apply for a Myanmar Visa. You can apply for an e-visa that allows a stay of up to 28 days. Click to learn the most important visa requirements!

Quick VisaKenya6 min read

Kenya E-Visa Payment Issues And Solutions

Jan 30, 2024
Kenya E Visa Payment Issues

Tips for what to do when you experience issues with your Kenya e-Visa payment process.

Quick VisaKenya4 min read

Types Of Kenya Visas: Kenya Visa Requirements and Costs

Jan 30, 2024
Types Of Kenya Visas

This visa covers everything you need to know about the different types of Kenya visas. The post includes the requirements and costs for each Kenya Visa.

Quick VisaKenya6 min read

How To Complete Your Kenya Visa Application Form Online

Jan 31, 2024
Kenya Visa Application Form

In this post, you will find important information about the Kenya Visa Application Form. This post will outline how to complete it, important tips, and the easiest way to complete your Visa Application Form error-free.

Quick VisaKenya5 min read

Kenya eVisa For US Citizens: Application & Requirements 2023

Jan 31, 2024
Kenya eVisa For US Citizens: Application & Requirements 2023

A step-by-step guide on applying for a Kenya e-visa. You'll find everything about the Kenya evisa requirements, online visa application, and application form.

Quick VisaKenya5 min read

Kenya Visa Requirements: Documents, Passport, and Photo Requirements

Jan 31, 2024
Kenya Visa Requirements

This blog is all about the Kenya Visa requirements for US citizens applying for the Kenya Visa including Kenya Visa costs, passport requirements, and photo requirements.

Quick VisaEgypt7 min read

Egypt Visa For US Citizens: Online Application and Enquiries

Jan 23, 2024
Egypt E Visa For US Citizens

Egypt Visa For US Citizens

Quick VisaLaos4 min read

Get Your Laos E-Visa Now - A Complete Laos E-Visa Guide For US Citizens

Jan 24, 2024
Laos E-Visa For US Citizens

In this post we will cover everything about the Laos eVisa for US citizens. This includes the visa application process, visa requirements, and visa fees.

Instant Visas

Instant VisaMalawi5 min read

Malawi visa for US Citizens

Feb 22, 2024
Malwai visa for US citizens

US citizens enjoy visa-free entry to Malawi. Learn about fees, visa-extension, US green-card holder requirement and more

Instant VisaJamaica6 min read

Jamaica Entry Requirements: How To Apply For A Jamaican Visa

Jan 22, 2024
Jamaica Entry Requirements And Visa Process

Hi there! I am glad you found our blog. Check out this blog to learn more about Jamaica's entry requirements, the visa process, and visa fees.

Instant VisaNepal6 min read

The Nepal Tourist Visa For US Citizens: Requirements, Application Process, And Fees

Jan 16, 2024
The Nepal Tourist Visa For Us Citizens

In this blog, I talk about how to get a Nepal visa for US citizens, the visa fees, and the processing time

Instant VisaThailand4 min read

Thailand Pass: Requirements, Application, Cost, and Errors

Jan 15, 2024
How To Apply For A Thailand Pass

Find out exactly how to apply for a Thailand Pass in order to easily travel to Thailand.

Instant VisaMalawi7 min read

Visa to Malawi—Malawi Visa Application Made Easy

Jan 16, 2024
Visa To Malawi

On your way to Malawi? Need a visa? Learn the exact requirements for your visa to Malawi and apply for yours with confidence! Or do it the easy way—use Atlys.

Instant VisaThailand4 min read

Apply For Thailand Visa For US Green Card Holders Online - 2023 Guide

Jan 17, 2024
Thailand Visa For Us Green Card Holders

Learn how to apply for a Thailand visa for US green card holders online. Find out about eVisa requirements, the application process, fees, processing time, and much more!

Instant VisaMaldives5 min read

Maldives Tourist Visa: Entry and Visa Requirements to Maldives

Oct 2, 2023
Maldives Tourist Visa

In this post you'll learn everything you need to about the Maldives Tourist visa. Including the requirements, costs and other types of Maldives Visas you can apply for.

Instant VisaJamaica4 min read

Travel To Jamaica From The US: Jamaica Travel Requirements

Oct 2, 2023
Travel To Jamaica From The Us

In this post you will find all the relevant information when traveling to Jamaica from the US. This post outlines if US citizens need a visa to visit Jamaica, the COVID-19 entry requirements and useful information when visiting Jamaica.

Instant VisaNepal5 min read

Nepal Tourist Visa For US Citizens: Nepal Visa Requirements

Oct 2, 2023
Nepal E Visa Vs Visa On Arrival

This post covers everything you need to know about the Nepal Tourist Visa for US citizens. This post includes the application process, costs, and processing time.

Instant VisaThailand7 min read

Revealed: These Are The Most Visited Cities In The World 2023

Oct 2, 2023
The Most Visited Cities In The World

Discover the most visited cities in the world. Read about why these destinations are so popular and special in the eyes of international travellers.

Instant VisaMaldives4 min read

Maldives Health Declaration and Tourist Visa on Arrival

Oct 2, 2023
Maldives Health Declaration And Tourist Visa On Arrival

Traveling to the Maldives this quick guide will help make it a reality. We’ll show you how to obtain a health declaration and a visa on arrival for the Maldives.

Instant VisaJamaica4 min read

Jamaica Travel Authorization Form and Requirements

Oct 2, 2023
How To Get Travel Authorization To Jamaica

This handy article will show you exactly how to get Travel Authorization to Jamaica.

Instant VisaNepal5 min read

Nepal Visa Extension Online: Processing Time and Cost

Oct 2, 2023
Nepal Visa Extension Process

It is crucial that visitors don't overstay their welcome in Nepal. In fact, in this post you'll learn about the consequences of overstaying your visit. Furthermore, you'll learn how to extend your visa successful so that you can enjoy your stay in Nepal, or return you your home country

Instant VisaJamaica5 min read

Jamaica Eliminates COVID-19 Travel Authorization Form And Requirements

Oct 2, 2023
Jamaica Eliminates Covid 19 Travel Authorization Form

Minister Edmund Bartlett announced that Jamaica will eliminate Travel Authorization form and quarantine requirements starting March 1, 2022.

Instant VisaBarbados6 min read

Barbados Visa From US: Costs, Visa Process, And Entry Requirements

Oct 2, 2023
Barbados Visa Requirements

In this post, you'll learn about everything you need for a Barbados Visa. Including if you need one, the Barbados visa requirements, the application process, and costs.

Instant VisaJamaica6 min read

Do You Need A Passport To Go To Jamaica?

Oct 2, 2023
Do I Need A Passport To Go To Jamaica

In this post you will find all the relevant information regards to Jamaican passport requirements. This post will outline if you need a passport when going to Jamaica and what documents you can present when traveling with a minor.

Instant VisaBarbados7 min read

Barbados Digital Nomad Visa: Welcome Stamp Requirements

Oct 2, 2023
Barbados Digital Nomad Visa

This post covers everything you need to know about the Barbados Digital Nomad Visa. It includes the application process, required documents and visa requirements.

Instant VisaThailand6 min read

Thailand Pass Requirements and Application Process

Sep 4, 2023
Thailand Pass

In this post you'll learn everything about the Thailand Pass including the required documents, entry requirements and how to apply.

Instant VisaSt. Lucia4 min read

St Lucia Travel Restrictions And Entry Requirements

Sep 4, 2023
Travel To St Lucia

In this post, you will find important information when you travel to St Lucia. This post includes information such as the St Lucia travel restrictions, entry requirements, and some tourist information.

Need help?

End-to-end Encrypted

Calling Agent

ringing...