travel insurance germany schengen visa

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Medical health insurance.

Information on Medical Health Insurance when applying for a visa.

Every applicant has to submit proof of medical travel insurance covering the entire length of the stay in Europe when applying for a Schengen visa .

There are strict requirements. Please find more information here: Medical Health Insurance PDF / 304 KB

Some medical insurance companies do not cover costs for medical treatment abroad or do not issue letters stating the requirements listed above. In this case, or in the case that you have no medical insurance in the US, you will have to purchase an additional travel insurance

You can find additional insurance companies in your local Yellow Pages or on the internet (search for “health insurance Schengen visa”).

Please bear in mind that some companies offer medical insurance policies only in combination with other kinds of coverage like trip cancellation. Rates depend on the length of the trip, age and number of travelers and the extent of coverage.

Please Note : Although the information on this website has been prepared with utmost care, we can not accept any responsibility for inaccuracies contained herein.

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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

Schengen Travel Insurance

Traveling to a schengen area.

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

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

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.

All-round insurance for incomings

• Attractive insurance cover at an attractive price
• Meets EU visa requirements
• Available for up to five years
• Excellent price-quality ratio

Advigon’s medical insurance for foreign visitors in Germany

Whether as an intern, expat , work & traveller or as a tourist – a trip to Germany is a little adventure for everyone. However, there are things you want to be protected against when you’re travelling to a foreign country –  whether it’s an  unexpected stay in hospital  or an accident with a rental car. Enjoy your stay and don't worry about paying doctor's bills and other unexpected costs. For  up to 5 years , international guests enjoy comprehensive protection against illness and accidents  in Germany as well as when travelling within Europe  (EU, Schengen countries, Andorra, Monaco, San Marino and Vatican City). We offer medical insurance in Germany for EU citizens, but also for people from the rest of the world. Without incoming health insurance in Germany, even a short visit to the doctor can quickly become an expensive surprise.

If you take out health insurance (or ‘Krankenversicherung’ in German) with Advigon we’re your reliable partner during your stay in Germany: If you need immediate help, you can call our  English-speaking customer support:  +49 40 5555-4020  and our  24-hours emergency line  +49 621 5490-1906   is always available if you’re in trouble.

According to the German healthcare system,  everyone in Germany must have health insurance , whether it’s statutory or private. People in employment or students who enrol at a public university in Germany are generally subject to compulsory insurance in a German health insurance scheme. Anyone not insured in this way must take out insurance cover.

In addition, either as a tourist or a ‘Work & Travel’ visitor, you may need   travel insurance for a Schengen visa if you wish to visit the country for more than three months. For this, proof of valid travel health insurance is required. With  Advigon's incoming insurance , you meet all the  legal requirements to obtain a valid Schengen visa .

With our ‘Foreign Guests’ travel health insurance, you not only comply with the conditions of the Schengen Agreement for your visa application, but are also  completely insured in the event of an accident or sickness : from out-patient and in-patient treatment to dental care. Advigon policies also cover medications and medical treatments, as well as a medically-advised repatriation to your home country.

We have an appropriate plan and policy for everyone's individual needs – whether you're a tourist, freelancer, self-employed, expat, student, au-pair or a ‘Young Travel’ participate, at Advigon you are guaranteed to find the right tariff. Additionally, we offer each insurance in two tariffs:  ‘Basic’ which covers all important treatments and examinations and ‘Profi’ which includes additional benefits , so you always get the services you want. Our medical insurance starts at 0 years, so also your children are safe with a health insurance at Advigon.

Travel health insurance policies

With our travel insurance policies ‘Young Travel’, ‘Foreign Guests’, ‘Expat Insurance’ and ‘Freelancer & Self-Employed’  you will always be on the safe side . All of our insurance policies satisfy not only visa requirements of the European Union, but also the   corresponding regulations in Switzerland and Liechtenstein.

Our travel health insurance policies can be concluded online, quickly, comfortably and simply, and are reliable and indispensable companions when staying in Germany and for  temporary trips in the Schengen area .

Foreign Guests

The travel health insurance gives you the best coverage possible 

Our insurance for foreign guests is suitable for all visitors staying for a longer period in Germany who need comprehensive travel health insurance. For persons up to  75 years of age .  

Young Travel

To ensure young guests from all over the world are well-insured

Whether you are staying abroad as a pupil, student, doctoral candidate, scholarship winner, trainee or participant in a work & travel program, our insurance offers you optimum travel cover. For persons up to  35 years of age  (in education and training).

Our health insurance for expats: A new adventure with the good feeling of being safe

Germany will be your new place of work and you are looking for a reliable and affordable health insurance? We will support you during this exciting experience and make sure that you are always covered.

Freelancers & self-employed

The safe and reliable health insurance for freelancers and self-employed in Germany

Are you a freelancer or self-employed person from a foreign country who wants to travel to Germany? Then Advigon's medical insurance is the right one for you. While you take care of your business, we'll take care of your health!

FAQ Coronavirus (COVID-19)

Here you will find the answers to frequently asked questions about the coronavirus pandemic in relation to Advigon Incoming Insurance.

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Health Insurance for the Schengen Visa

Anyone who applies for a visa for germany needs travel health insurance.

You must provide proof of travel health insurance to apply for a Schengen visa to enter Germany. The Schengen visa will only be issued if the travel health insurance meets specific requirements.

The Schengen Visa Code sets out the requirements for travel health insurance. The travel health insurance must cover at least 30,000 euros. It needs to cover the cost of repatriation in case of illness or death, and the cost of emergency medical assistance and emergency hospitalization during the stay. In addition to the monetary amount covered, the geographical area and time period covered also play a role. The travel health insurance should be valid for the entire Schengen area and the planned duration of the stay.

Take out health insurance for the visa online

Here you can calculate the cost of travel protection for foreign guests and apply directly for travel insurance. The process takes place online at HanseMerkur Krankenversicherung. You will receive an immediate confirmation.

Take out guest insurance

For trips for the purpose of participating in sporting events or medical treatment, stricter rules apply to travel health insurance. Applicants are required to inform their insurance provider of their plans and pay any potential additional costs.

The health insurance company must have an office located in the Schengen area or a cooperation agreement with an insurance company from a Schengen country.

When applying for a Schengen visa, the applicant must provide proof of insurance coverage. The applicant is exempt from this obligation in certain cases. This exemption applies to applicants who are assumed to have adequate insurance coverage due to their professional situation. Also, spouses and family members of EU citizens are not required to provide proof of health insurance coverage.

If you are not within one of these exceptions, it is advisable to pay attention to possible requirements when taking out travel health insurance. Some travel health insurance policies have lower coverage if you are over a certain age or do not meet certain health requirements. Also, travel health insurance with a deductible is accepted as sufficient insurance coverage only if the applicant is able to pay the deductible in the case of an emergency.

Allianz Schengen Travel Insurance

Allianz Schengen Travel Insurance is a travel insurance product for individual travellers, couples, or families. It provides immediate help and financial coverage for medical emergencies encountered during a trip within the Schengen Area. Assistance is available on a 24/7 basis, 365 days of the year.

Schengen travel insurance from Allianz is fully compliant with European Union regulations and is recognised around the world. This ensures it is suitable for use as the mandatory travel insurance required for a Schengen visa application.

Highlights of the Policy

• 24-hour emergency call centre friendly and professional
• Telemedical consultations and medical assistance around the clock worldwide in the event of illness or accident
• Accident and breakdown assistance throughout Europe
• High sums insured including assumption of health care costs abroad up to CHF 1 million
• Travel baggage coverage including cover for cameras, laptops and sports equipment
• Cancellation charges insurance unbureaucratic and customer-oriented

Countries Covered By Allianz Schengen Travel Insurance

Visitors to the Schengen Area are required to either obtain a visa, or be a passport holder from a country that has a visa exemption agreement. Valid travel insurance is mandatory for any successful visa application and Allianz’s Schengen Travel Insurance is recognised around the world and fully compliant with Schengen and European Union regulations.

The Schengen Area is made up of 27 countries, which have agreed to remove border controls at their mutual borders, allowing passport-free movement between these countries for residents and visitors. These 27 countries, which are all covered by the insurance product offered by Allianz, are:

• Czech Republic
• Denmark (excluding Greenland and the Faroe Islands)
• France (excluding overseas departments and regions)
• Liechtenstein
• Netherlands (excluding overseas constituent countries)
• Switzerland

Additionally, three micro states are considered to be de facto members of the Schengen Area and travel to these states is also covered by the Allianz travel insurance. These are: Monaco, San Marino, and the Vatican City.

Applying for Allianz Schengen Travel Insurance

Travellers are able to purchase Allianz Schengen Travel Insurance online via the Allianz website. Within a few minutes, a confirmation email should arrive, outlining the terms of the insurance. This email will also include the official travel insurance certificate, which can be used for a Schengen visa application.

Unlike with some other products on the market, Allianz Schengen Travel Insurance can be purchased for an entire family, with a single payment. In this event, travellers will receive a single certificate, which will outline the insurance information for all individuals who are covered by the insurance policy.

Important Coronavirus Information

It is essential that travellers to the Schengen Area follow all available guidelines related to coronavirus (COVID-19).

Allianz travel insurance products do provide coverage for medical treatment that is necessary as a result of contracting COVID-19 after arriving in the Schengen Area. This includes COVID-related medical treatments, cancellations, and covering any additional accommodation costs if it becomes necessary to quarantine and extend a trip.

Other Important Insurance Information

Allianz Allianz Schengen Travel Insurance is able to be purchased for a single trip, or as an annual policy for multiple trips to the Schengen Area. With annual coverage, each individual trip to the Schengen Area can last no longer than 90 days, and insurance coverage will begin again once a traveller re-enters the Schengen Area.

The standard insurance offers personal accident cover, as well as cover for emergency medical expenses. Travellers are advised to seek treatment from a General Practitioner (GP) for minor illness and injury and follow their advice for any follow-up treatment. Emergencies or severe illness should be treated at a hospital, or via an on-call doctor that is able to offer emergency care. Dental emergencies should be treated at a registered dental practice.

Certificates of insurance are provided in English. Standard Allianz travel insurance products provide coverage of up to US$ 50,000 for accidents, illnesses or injuries. Upgraded ‘Silver’ and ‘Gold’ packages can extend this to add coverage for lost or stolen travel documents and personal possessions.

Travellers must follow the guidance and travel advice issued by the Foreign Commonwealth & Development Office (FCDO). Coverage is only guaranteed if the country being visited is not subject to FCDO advice against travel.

Allianz Schengen Travel Insurance Policy Details

For more information visit: Allianz Schengen Travel Insurance

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Our incoming health insurance for a Schengen visa

Our highlights

• Minimum coverage of € 30,000
• valid in all states of the Schengen area
• Coverage of all costs related to repatriation
• Digital contract management

from € 0.99 per day

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Traveling to Germany & Europe - why is international health insurance necessary?

Traveling to Germany and Europe can be an exciting experience, but it's also important to prepare for unexpected situations, especially when it comes to health and safety. Incoming health insurance is necessary for several reasons:

Visa requirements : our incoming health insurance meets the requirements for a Schengen visa. In addition, you will receive a confirmation of insurance coverage, which is recognized by embassies, consulates or border stations.

Medical costs : Medical care in Germany and many other European countries is of high quality, but can also be expensive. Without international health insurance, you could be responsible for any medical expenses incurred during your stay.

Unforeseen illness or injury : No one plans to get sick or injured, but these situations can arise at any time. Having health insurance abroad gives you peace of mind knowing that you will be taken care of in the event of a medical emergency.

Repatriation costs : In severe medical cases, medical repatriation to your home country may be necessary. These costs can be astronomical, and expatriate health insurance can cover these costs.

Protection against unexpected situations : In addition to illnesses and injuries, expatriate health insurance can also provide protection in other unexpected situations, such as in the case of a dental visit or a lost prescription.

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What are the requirements for visa travel insurance?

Schengen visa medical insurance is very important for travelers within Europe (Schengen area). It is designed to ensure that travelers receive medical services and are financially covered in the event of an accident, injury or other sudden event. For this reason, there are some requirements that must be met in order to obtain a visa.

What are the requirements for Schengen visa insurance?

• Minimum coverage: The insurance must provide a minimum coverage of 30,000 EUR.
• Coverage: It must cover all member states of the Schengen area.
• Comprehensive coverage: The insurance must cover all costs that may arise in connection with repatriation for medical reasons, urgent medical care and/or emergency hospital treatment or death.

Calculate now free of charge & without obligation your incoming health insurance:

Fulfills EU insurance obligation for Schengen visa application and that already from 0.99 € per day.

What benefits does the incoming health insurance include?

Travel medical insurance for a Schengen visa (up to 1 year) includes the following benefits:

• Hospital treatments
• Art treatments
• medical repatriation
• painkilling dental treatments
• search, rescue & recovery costs
• 24h emergency hotline

Which travel insurances are still recommended for a trip to Europe?

Information on travel insurance:

Incoming insurance (information and services)

The incoming health insurance provides insurance cover for illnesses and accidents. In the event of an insured event occurring in the Schengen area, it provides reimbursement of expenses for medical treatment that cannot be postponed and other agreed benefits (only at the respective foreign place of stay).

Further important information and benefits of the individual travel health insurance:

Insurance conditions for incoming health insurance

Material package (optional)

Our property package includes the following insurances:

• Liability insurance
• accident insurance and
• Legal expenses insurance (only included if there are more than 5 travelers).

Thus you are covered against claims for damages by third parties and receive financial support in case of an accident.

► Insurance conditions for travel liability insurance

► Insurance conditions for accident insurance

► Insurance conditions for legal protection insurance

Overview of the benefits of the package in kind (excerpt)

Description of benefits: The one-time travel cancellation insurance or travel cancellation insurance (RRV) of Bernhard Reise provides for the reimbursement of costs in the event of travel cancellation in the event of a serious reason for travel cancellation. This applies to all travel cancellation costs as a result of the unexpected non-arrival of your trip, whether it is a vacation or a business trip, especially for cancellation costs.

Excerpt from the benefits (key points):

• Acute illness: coverage for sudden health problems that prevent travel.
• Serious accident or death: coverage in case of serious accident or death of the insured or close relative.
• Vaccine intolerance: coverage if unexpected vaccine intolerance occurs after a necessary vaccination for travel.
• Pregnancy: coverage in case of unexpected pregnancy after booking the trip.
• Damage to property: coverage in the event of significant damage to the insured's property, e.g. due to fire, burglary or natural disasters.
• Exam repetition/non-passing: Protection for pupils and students if an exam has to be repeated or there is a non-passing that prevents the trip.

Baggage insurance

Luggage insurance from Bernhard Reise protects your luggage in case of loss or damage during the trip. It covers both the financial value of the luggage, which is often in the four-digit range, and the need for each individual piece of luggage during the trip. If the luggage is lost, there should be a quick and cost-neutral way to replace it.

Benefits - baggage insurance insures:

• Luggage in the hands of others: Protection for luggage you give to others for safekeeping.
• Delayed baggage delivery: coverage if your baggage is not delivered on time.
• Criminal acts by third parties: coverage if third parties commit criminal acts involving your baggage.
• Traffic Accident: coverage if your baggage suffers damage in a traffic accident.
• Damage caused by fire, explosion or natural events: Protection for your baggage in the event of such events.

Internship damage (Erasmus Plus program)

Additional coverage for internship damage can only be purchased in conjunction with the liability insurance included in the property package. This is possible

• within the framework of a study program or Erasmus Plus program
• outside of a study or Erasmus Plus program

Thus, you are covered for internship damages during your stay abroad.

You can calculate and conclude your incoming insurance here

► Online conclusion of Schengen visa health insurance

Questions and answers about health insurance for Schengen visa (FAQ)

What insurance do I need as an expat in Germany or Europe?

Expats staying in the Schengen area for more than one year need expat travel insurance.

► more information

I already have sufficient insurance coverage in my home country for a trip to Europe, do I need additional travel insurance?

No, if your insurance from your home country meets the requirements and is recognized by the visa office, you do not need additional Schengen visa insurance.

My travel dates have changed after I took out the insurance, what can I do?

You can easily change or adjust your travel data in our customer account online.

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Further information on: Application / Payment processing / Billing and benefits.

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Other important travel insurance

Travel cancellation insurance.

• Reimbursement of cancellation costs
• optional Corona illness

from 1,09 € per person

► take out now

more information

• Loss of luggage
• Damage to luggage
• Reimbursement for replacement purchases

from 25,- € per trip

Annual cancellation insurance

• worldwide travel protection
• incl. Corona benefits
• as many trips as you like

from 29 € per year

Travel legal protection

• Road traffic damage
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• Legal dispute with tour operator

Additional insurance

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Things to know about health insurance

Schengen visa requirements

Sensible travel insurances

Questions and answers

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• published on 7/5/2022

What Travel Insurance Should You Take Out to Get Your Schengen Visa?

Are you planning to travel to France, Germany, Spain, or any other Schengen Area member country? Whether you are going as a tourist, a worker or intern, or a business traveller, entry into the territory of any one of the 27 signatories may be subject to certain conditions, depending on your nationality. In order to obtain your Schengen visa, you must first take out travel insurance. That said, make sure you choose insurance that meets the Schengen Visa criteria.

Staying in the Schengen Area: mandatory healthcare, assistance, and repatriation insurance

Travelling to a Schengen country even for a short stay requires a visa (unless you are a citizen of one of the countries whose nationals are exempted from this requirement ). In order to meet all the entry requirements , you must have an up-to-date passport (valid for at least 6 months after your planned return), proof of means of subsistence, proof of accommodation, etc., and travel insurance .

In fact, member states require each traveller to provide evidence of insurance cover in their territory that includes:

Emergency medical care

Emergency hospitalisation

Costs of repatriation for medical reasons or death

The Schengen Visa insurance policy must be valid for the entire duration of the stay, i.e., a maximum of 90 days, and cover a minimum of €30,000 in expenses .

What additional insurance is needed for a 100% worry-free trip?

Before taking out Schengen travel insurance, be sure to check the cover provided. Apart from the legal requirements, it may be wise―and inexpensive―to supplement your travel insurance offer with additional cover:

Luggage cover , which provides compensation in case of loss or theft of your personal belongings

Civil liability cover , to cover property damage or bodily injury that you may accidentally cause to third parties

Individual accident cover , which provides a lump sum in the event of disability following an accident

APRIL Focus: Travel to Europe with Schengen Visa Insurance

APRIL International , your travel insurance specialist, offers you a turnkey policy for your stay in the Schengen Area. We have an insurance offer that meets all the European requirements for a Schengen visa . In order to facilitate your consulate formalities, we issue an insurance certificate immediately upon your registration.

Need more protection? Discover our MyTravel Cover Schengen offer for your stays of more than 3 months in France or any other Schengen Area country. Healthcare costs, repatriation, legal assistance, civil liability, and personal accident insurance: we have everything covered!

Want a tailor-made quote ? Request yours directly online or contact one of our advisers.

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

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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 .

What are you looking for?

Information on travel medical insurance.

Please note: German Missions accept Indian Travel Medical Insurances only from approved Indian Travel Insurance companies.

The list of Indian travel insurance companies offering travel medical insurance for the Schengen visa process has been approved by the consular missions of the Schengen countries, effective of July 2022.

Please note that the German Missions only accept Indian Travel Medical Insurances from approved Indian Travel Insurance companies listed below.

APPROVED LIST OF INDIAN TRAVEL INSURANCE COMPANIES OF THE CONSULAR POSTS OF SCHENGEN STATES PROVIDING TRAVEL MEDICAL INSURANCES FOR SCHENGEN VISA PROCEDURE EFFECTIVE OF JULY 2022

This list is applied by the Schengen States of 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 as well as the European Union Member States of Bulgaria, Croatia, Cyprus and Romania. Consular Posts of Schengen States approved the travel medical insurance policy schemes for corporate travels of travel insurance companies on this list with 70 years of age as upper limit of appropriate full coverage. Acceptance of travel medical insurance policy schemes for group travels (e.g. tour or incentive groups) with 70 years of age as upper limit of appropriate full coverage is conditioned by the Consular Posts of Schengen States ability to check the coverage of individual members of these groups in the Travel Insurance Portals of Non-Life Insurers of the General Insurance Council. Failure of this verification may lead the Consular Posts of Schengen States to the request of submitting a new travel medical insurance policy for the visa procedure. Visa applicants are advised to note that other travel medical insurances issued by Indian insurance companies are not accepted for Schengen visa procedure. However, visa applicants may seek to obtain insurance in any other country where claims against the insurance company would be recoverable in a Schengen State.

Visa applicants for a Schengen 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 Schengen States. Visa applicants for a uniform visa for more than two entries (multiple entries) shall prove that they are in possession of adequate and valid travel medical insurance covering the period of their first intended visit. In addition, such applicants shall sign the statement, set out in the application form, declaring that they are aware of the need to be in possession of travel medical insurance for subsequent stays. The insurance shall be valid throughout the territory of the Schengen States and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30 000. Applicants shall, in principle, take out insurance in their country of residence. Where this is not possible, they shall seek to obtain insurance in any other country. When assessing whether the insurance cover is adequate, consulates shall ascertain whether claims against the insurance company would be recoverable in a Schengen State.

**This note makes reference to Article 15 of Regulation 810/2009 of the European Parliament and of the Council of 13 July 2009 establishing a Community Code on Visas.**

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Travelling to*

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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.

Travel Medical Insurance

Emergency medical coverage, including COVID-19 treatment costs.

Competitive pricing from global insurers.

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Frequently asked questions

View all FAQ's

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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