schengen visa compliant travel insurance

Visa Traveler

Exploring the world one country at a time

Travel Insurance for Schengen Visa: A Comprehensive Guide

Updated: September 8, 2023

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

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

Table of Contents

BONUS: FREE eBOOK

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

Opt in to receive my monthly visa updates

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

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

What is Schengen Travel Medical Insurance?

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

Who Requires Schengen Travel Health Insurance?

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

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

Is Travel Insurance Mandatory for Schengen Visa?

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

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

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

What are the Schengen Visa Insurance Requirements?

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

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

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

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

1. Minimum Coverage

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

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

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

2. Validity Duration

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

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

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

Here is an example:

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

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

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

3. Validity in the Schengen Zone

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

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

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

What Does Schengen Visa Insurance Plan Cover?

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

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

1. Medical Coverage

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

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

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

2. COVID-19 Protection

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

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

3. Trip Coverage

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

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

What Does Schengen Visa Insurance Plan Not Cover?

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

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

Pre-existing Medical Conditions

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

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

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

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

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

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

How Much Does Schengen Visa Medical Insurance Cost?

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

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

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

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

How to Choose the Right Travel Insurance for Schengen Visa?

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

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

1. Reputation of the Company

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

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

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

2. Coverage Limits and Exclusions

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

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

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

3. Customer Reviews and Ratings

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

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

4. Schengen Insurance Certificate

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

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

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

Where to Purchase Travel Insurance for Schengen Visa?

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

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

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

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

How to Purchase Travel Insurance for Schengen Visa

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

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

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

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

How To Find Cheap Schengen Travel Insurance?

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

Frequently Asked Questions (FAQS)

Do us citizens need schengen insurance.

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

Is Schengen travel insurance refundable?

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

Can I purchase travel insurance after obtaining a Schengen visa?

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

Are pre-existing medical conditions covered by travel insurance?

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

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

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

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

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

WRITTEN BY THIRUMAL MOTATI

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

PLAN YOUR TRAVEL WITH VISA TRAVELER

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

01. Apply for your visa

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

02. Book your fight

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

03. Book your hotel

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

04. Get your onward ticket

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

05. Purchase your insurance

Purchase travel medical insurance for your trip from 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.

RELATED POSTS

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

Search this site

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

5 Tips for Buying Schengen Visa Travel Insurance

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

1. Decide which type of insurance you’d like

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

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

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

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

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

Travel medical insurance .

Trip interruption insurance .

Cancel for any reason insurance .

Trip cancellation insurance .

Lost luggage insurance .

Rental car insurance .

Accidental death insurance .

Emergency evacuation insurance.

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

» Learn more: Is travel insurance worth it?

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

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

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

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

The total cost of your trip.

Your destination.

Your dates of travel.

The number of travelers.

The age of travelers.

Where you live.

When you booked your trip.

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

» Learn more: What is travel insurance?

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

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

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

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

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

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

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

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

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

» Learn more: The best travel insurance companies

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

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

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

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

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

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

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

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

» Learn more: The cheapest flights to Europe on points

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

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

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.

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

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

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

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

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

Homepage EN

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

• Best Travel Insurance 2024
• Cheapest Travel Insurance
• Trip Cancellation Insurance
• Cancel for Any Reason Insurance
• Seniors' Travel Insurance
• Annual Travel Insurance
• Cruise Insurance
• COVID-19 Travel Insurance
• Travel Medical Insurance
• Medical Evacuation Insurance
• Pregnancy Travel Insurance
• Pre-existing Conditions Insurance
• Mexico Travel Insurance
• Italy Travel Insurance
• France Travel Insurance
• Spain Travel Insurance
• Canada Travel Insurance
• UK Travel Insurance
• Germany Travel Insurance
• Bahamas Travel Insurance
• Costa Rica Travel Insurance
• Disney Travel Insurance
• Schengen Travel Insurance
• Is travel insurance worth it?
• Average cost of travel insurance
• Is airline flight insurance worth it?
• Places to travel without a passport
• All travel insurance guides
• Best Pet Insurance 2024
• Cheap Pet Insurance
• Cat Insurance
• Pet Dental Insurance
• Pet Insurance That Pays Vets Directly
• Pet Insurance For Pre-Existing Conditions
• Pet Insurance with No Waiting Period
• Paw Protect Review
• Spot Pet Insurance Review
• Embrace Pet Insurance Review
• Healthy Paws Pet Insurance Review
• Pets Best Insurance Review
• Lemonade Pet Insurance Review
• Pumpkin Pet Insurance Review
• Fetch Pet Insurance Review
• Figo Pet Insurance Review
• CarePlus by Chewy Review
• MetLife Pet Insurance Review
• Average cost of pet insurance
• What does pet insurance cover?
• Is pet insurance worth it?
• How much do cat vaccinations cost?
• How much do dog vaccinations cost?
• All pet insurance guides
• Best Business Insurance 2024
• Business Owner Policy (BOP)
• General Liability Insurance
• E&O Professional Liability Insurance
• Workers' Compensation Insurance
• Commercial Property Insurance
• Cyber Liability Insurance
• Inland Marine Insurance
• Commercial Auto Insurance
• Product Liability Insurance
• Commercial Umbrella Insurance
• Fidelity Bond Insurance
• Business Personal Property Insurance
• Medical Malpractice insurance
• California Workers' Compensation Insurance
• Contractor's Insurance
• Home-Based Business Insurance
• Sole Proprietor's Insurance
• Handyman's Insurance
• Photographer's Insurance
• Esthetician's Insurance
• Salon Insurance
• Personal Trainer's Insurance
• Electrician's Insurance
• E-commerce Business Insurance
• Landscaper's Insurance
• Best Credit Cards 2024
• Best Sign-Up Bonuses
• Instant Approval Cards
• Best Cash Back Credit Cards
• Best Rewards Credit Cards
• Credit Cards for Bad Credit
• Balance Transfer Credit Cards
• Student Credit Cards
• 0% Interest Credit Cards
• Credit Cards for No Credit History
• Credit Cards with No Annual Fee
• Best Travel Credit Cards
• Best Airline Credit Cards
• Best Hotel Credit Cards
• Best Gas Credit Cards
• Best Business Credit Cards
• Best Secured Credit Cards
• Best American Express Cards
• American Express Delta Cards
• American Express Business Cards
• Best Capital One Cards
• Capital One Business Cards
• Best Chase Cards
• Chase Business Cards
• Best Citi Credit Cards
• Best U.S. Bank Cards
• Best Discover Cards
• Amex Platinum Card Review
• Amex Gold Card Review
• Amex Blue Cash Preferred Review
• Amex Blue Cash Everyday Review
• Capital One Venture Card Review
• Capital One Venture X Card Review
• Capital One SavorOne Card Review
• Capital One Quicksilver Card Review
• Chase Sapphire Reserve Review
• Chase Sapphire Preferred Review
• United Explorer Review
• United Club Infinite Review
• Milestone Mastercard Review
• Destiny Mastercard Review
• OpenSky Credit Card Review
• Self Credit Builder Review
• Chime Credit Builder Review
• Aspire Card Review
• Amex Gold vs Platinum
• Amex Platinum vs Chase Sapphire Reserve
• Capital One Venture vs Venture X
• Capital One SavorOne vs Quicksilver
• How to get Amex pre-approval
• Amex travel insurance explained
• Chase Sapphire travel insurance guide
• Chase Pay Yourself Back
• CLEAR vs. TSA PreCheck
• All credit card guides
• Citibank Savings Account Interest Rate
• Capital One Savings Account Interest Rate
• American Express Savings Account Interest Rate
• Western Alliance Savings Account Interest Rate
• Barclays Savings Account Interest Rate
• Discover Savings Account Interest Rate
• Chase Savings Account Interest Rate
• U.S. Bank Savings Account Interest Rate
• Marcus Savings Account Interest Rate
• Synchrony Bank Savings Account Interest Rate
• Ally Savings Account Interest Rate
• Bank of America Savings Account Interest Rate
• Wells Fargo Savings Account Interest Rates
• SoFi Savings Account Interest Rate
• Best Savings Accounts & Interest Rates
• Best High Yield Savings Accounts
• Best 7% Interest Savings Accounts
• Best 5% Interest Savings Accounts
• Savings Interest Calculator
• Emergency Fund Calculator
• Pros and Cons of High-Yield Savings Accounts
• Types of Savings Accounts
• Checking vs Savings Accounts
• Average Savings by Age
• How Much Should I Have in Savings?
• How to Make Money
• How to Save Money
• Compare Best Checking Accounts
• Compare Online Checking Accounts
• Best Business Checking Accounts
• Compare Best Teen Checking Accounts
• Best Student Checking Accounts
• Best Joint Checking Accounts
• Best Second Chance Checking Accounts
• Chase Checking Account Review
• Bluevine Business Checking Review
• Amex Rewards Checking Account Review
• E&O Professional Liability Insurance
• Best Savings Accounts & Interest Rates
• All Insurance Guides

On This Page

• Key takeaways

Our top picks for Schengen travel insurance

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

Schengen Travel Insurance: Coverage for your Schengen Visa Application

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

Travel insurance is usually optional, but if you plan to stay in the Schengen Zone for more than 90 days, you are required to apply for a Schengen travel visa (per travel.state.gov ). One of the requirements is that you purchase a policy that covers medical expenses and the costs associated with returning to the United States if you develop a health problem during your trip or happen to pass away unexpectedly.

Whether you’re off for an extended study period, doing an epic backpacking trip through Europe, or heading overseas to France for work, it’s paramount to understand the importance of a Schengen travel insurance plan.

This type of insurance can protect you in the event of an unforeseen event, such as a natural disaster, a medical emergency, or a terrorist attack, but it’s also a requirement for getting a Schengen travel visa.

We put together this guide to help you understand the Schengen visa requirements and determine what kind of coverage you need before you travel. Dig in and discover the best travel insurance providers for your trip to the Schengen Zone.

Our top picks for the best schengen travel insurance

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

Best Overall Coverage

Why We Like It

Editor's take

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

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

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

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

Read our full review

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

Best Coverage on a Budget

Generali global assistance.

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

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

• Standard plan
• Preferred plan
• Premium plan

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

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

Best for Non-Medical Evacuation Coverage

Travel insured international.

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

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

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

Best Premium Comprehensive Coverage

Axa assistance usa.

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

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

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

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

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

When do I need Schengen travel insurance?

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

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

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

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

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

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

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

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

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

What doesn’t Schengen travel insurance cover?

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

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

Schengen visa travel insurance may not cover:

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

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

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

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

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

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

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

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

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

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

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

Example Where Plan Doesn’t Reimburse the Full Trip Cost

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

Example Where Plan Does Reimburse the Full Trip Cost

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

Where can I purchase Schengen travel insurance?

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

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

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

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

Who needs a Schengen visa?

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

How does a Schengen visa work?

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

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

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

Schengen visa requirements for children

Age criteria for Schengen Visa:

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

Application Process:

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

Required Documentation:

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

Parental Consent:

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

How do I apply for a Schengen visa?

To apply for a Schengen visa, follow these steps:

Type of Schengen visa.

Determine what type of Schengen visa you need.

Submit your Schengen visa application.

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

Purchase travel insurance.

Make sure your policy meets the minimum requirements.

Submit documents.

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

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

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

Decide what type of travel insurance you’d like

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

You should also consider the following types of travel insurance.

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

Compare plans

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

Check the limitations of your policy

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

See if your credit card already provides trip insurance

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

Tips for visiting the Schengen area

Where is the schengen area.

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

Do I need a passport to visit the Schengen?

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

Do I need to be vaccinated to enter the Schengen?

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

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

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

What type of insurance is required for a Schengen visa?

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

Do I need travel insurance to visit the Schengen?

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

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

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

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

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

In the last 5 years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

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

Explore related articles by topic

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

Best Travel Insurance Companies & Plans in 2024

Best Medical Evacuation Insurance Plans 2024

Best Travel Insurance for Seniors

Best Cruise Insurance Plans for 2024

Best COVID-19 Travel Insurance Plans for 2024

Best Cheap Travel Insurance Companies - Top Plans 2024

Best Cancel for Any Reason (CFAR) Travel Insurance

Best Annual Travel Insurance: Multi-Trip Coverage

Best Travel Medical Insurance - Top Plans & Providers 2024

• Is Travel Insurance Worth It?

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

Guide to Traveling While Pregnant: Pregnancy Travel Insurance

10 Romantic Anniversary Getaway Ideas for 2023

Best Travel Insurance for Pre-Existing Medical Conditions April 2024

22 Places to Travel Without a Passport in 2024

Costa Rica Travel Insurance: Requirements, Tips & Safety Info

Best Spain Travel Insurance: Top Plans & Cost

Best Italy Travel Insurance: Plans, Cost, & Tips

Best Travel Insurance for your Vacation to Disney World

Chase Sapphire Travel Insurance Coverage: What To Know & How It Works

2024 Complete Guide to American Express Travel Insurance

Mexico Travel Insurance: Top Plans in 2024

Best Places to Spend Christmas in Mexico this December

Travel Insurance to Canada: Tips & Quotes for US Visitors

Best Travel Insurance for France Vacations in 2024

Travel Insurance for Germany: Tourist Information & Tips

Best UK Travel Insurance: Coverage Tips & Plans April 2024

Travel Insurance for Trips to the Bahamas: Tips & Safety Info

Europe Travel Insurance: Your Essential Coverage Guide

Best Trip Cancellation Insurance Plans for 2024

What Countries Require Travel Insurance for Entry?

Philippines Travel Insurance: Coverage Requirements & Costs

Travel Insurance for the Dominican Republic: Requirements & Tips

Travel Insurance for Trips Cuba: Tips & Safety Info

AXA Travel Insurance Review April 2024

Travel Insurance for Thailand: US Visitor Requirements & Tips

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

Travel Insurance for a Japan Vacation: Tips & Safety Info

Faye Travel Insurance Review April 2024

Travel Insurance for Brazil: Visitor Tips & Safety Info

Travel Insurance for Bali: US Visitor Requirements & Quotes

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

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

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

Generali Travel Insurance Review April 2024

Travelex Travel Insurance Review for 2024

Tin Leg Insurance Review for April 2024

Travel Insured International Review for 2024

Seven Corners Travel Insurance Review April 2024

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

Medjet Travel Insurance Review 2024: What You Need To Know

Antarctica Travel Insurance: Tips & Requirements for US Visitors

Travel Insurance for Kenya: Recommendations & Requirements

Travel Insurance for Botswana: Compare Your Coverage Options

Travel Insurance for Tanzania: Compare Your Coverage Options

Travel Insurance for an African Safari: Coverage Options & Costs

Nationwide Cruise Insurance Review 2024: Is It Worth It?

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

Policy Details

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

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

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

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

Trustpilot  4.8/5  based on our lovely customers reviews.

Insure your Schengen trip in a minute

2,480,086 wordwide insured days!

24/7 assistance

Refund in case of visa refusal

Instant insurance certificate

International healthcare network

Please fill out the form below or contact us by email or by chat

By ticking this box you acknowledge that:

Schengen Travel Insurance for Europe

If you’re planning to travel to Europe, specifically to any of the countries within the Schengen area, you’ll need to purchase Schengen travel insurance ahead of your trip. Here, we’ll guide you through all you need to know about Schengen travel insurance before you travel.

Visa Travel Insurance is a trusted partner of worldwide visa companies:

How it works

Get the Schengen travel insurance fit your embassy, consulate and visa center requirements in less than a minute

Compare travel insurance

Between the 4th world leader Allianz, Axa, Europ Assistance and Mutuaide

Field a form

with your informations be aware passport number needed !

Receive your certificate

immediately and explore the world with peace of mind!

Schengen Travel Insurance companies

Worldwide trusted partner network

The International Leader of Medical Assistance in the world with 54,000,000 files processed per year.

The 2nd International Leader of Medical Assistance in the world with 15,100,000 files processed per year.

The 3rd International Leader of Medical Assistance in the world with 10,000,000 files processed per year.

Mutuaide is the Groupama subsidiary that has specialized in assistance and affinity insurance for over 40 years.

We can cover you for your Schengen trip

Here is our guarantees

Medical Expenses

In case of illness or injury (up to €100,000) Emergency dental expenses included

Medical rapatriation

In case of illness or injury (Actual Cost) Transfer of mortal remains included

Travel assistance

24/7 Before and during your trip(s) Information, Support, and Services

Luggage & valuables

Theft, loss, destruction or delivery delayed

Costs for search and rescue at sea or in the mountains are covered for the insured.

Air Ticket Cancellation

Illness, injury or death for the Insured Person and his relatives

Other guaranties

• Terrorist Attack
• Legal fees abroad & Advance of bail abroad
• Early return in case of death in the Insured person Family
• Accompanying minor children
• Organisation of services
• Assistance in case of loss or theft of papers abroad
• Transport of a Companion in the event of Medical Repatriation
• Visit by a relative
• Legal Assistance
• Medical information and advice
• Transport of a Companion in the event of Hospitalisation
• Assistance of domestic Animals
• Costs of additional stay
• Extension of hotel stay due Illness or Injury
• Lodging expenses of a Companion in the event of Hospitalisation
• Transmission of urgent messages

They travel with us and they are happy!

Find out our (lovely) Schengen customers feedbacks.

What is Schengen travel insurance?

Schengen travel insurance is specifically designed to meet the requirements for any travelers visiting any of the 27 countries within the Schengen zone. To qualify for a Schengen short-term visa or long-term visa, travelers need to provide proof of adequate travel insurance.

The Schengen zone is the area of free movement within Europe, where citizens and travelers can move between countries without the need for border checks or multiple visas. Therefore, Schengen travel insurance covers you for travel through all those European countries who are part of the Schengen free movement area . This will allow you to be flexible during your trip and visit multiple countries on your Schengen visa, should you choose to.

Do you need travel insurance for a Schengen visa?

There are several types of Schengen visa available – the transit visa, the short-stay visa and national long-stay visa but the most common is the short-stay visa, allowing you up to 90 days within the Schengen Zone in a 180 day period. 

One of the principle requirements for being granted a Schengen visa is to have a travel insurance certificate that covers you in all states within the Schengen area. This ensures that any potential fees relating to medical repatriation, urgent medical attention and/or emergency hospital treatment or death, are covered whilst you are staying in one of the Member States. Because of the free movement agreement between all the countries within the Schengen area, having travel insurance for just one country is not adequate. 

What type of travel insurance is needed for a Schengen visa?

You’re free to pick an insurance policy of your choice, but you’ll need to check that the policy you choose is 100% compliant with the embassy, consulate or visa center requirements where you are making your Schengen visa application.

In order to be compliant with a Schengen visa, your travel insurance policy must meet specific criteria set out by the Schengen Agreement. It must cover you for the entire duration of your stay, must be valid within all countries of the Schengen zone, and must have a minimum coverage of €30,000 for medical expenses or repatriation (Emergency medical). 

However, every embassy is different, and there can also be additional demands made, depending on where you are applying for your visa. Some embassies, for example, require you to include Covid cover, or to take out an annual policy. You may be required to choose an insurance policy with no deductible (excess), or one with no maximum day limit per trip.

Searching for a 100% compliant Schengen Travel Insurance?

What’s the difference between europe travel insurance & schengen travel insurance .

Europe travel insurance and Schengen travel insurance are very similar and often confused. Many travelers searching for Europe Travel Insurance are in fact in need of Schengen visa travel insurance, or visa-versa.  Schengen travel insurance covers all those European countries who are part of the Schengen free movement area. This includes most countries within the European Union, with the exception of Bulgaria, Cyprus, Ireland and Romania. It also includes a number of non EU-states – Iceland, Norway, Switzerland and Liechtenstein – who have joined the Schengen zone. However, if your trip includes European countries which are not included in the Schengen area – such as the UK – you’ll need Europe travel insurance instead. This will insure you for all the Schengen member states, as well as those outside the Schengen zone. A Schengen travel insurance policy is necessary in order to obtain the Schengen visa, but most European travel insurances meet the Schengen visa requirements as well as covering some additional countries. Be sure to check the terms and conditions of your Europe travel insurance policy to be sure it meets the Schengen requirements.   Both Europe and Schengen travel insurance will cover you for a range of unforeseen travel expenses, including medical expenses, during your Europe trip.

What’s the difference between Schengen travel insurance & Schengen travel medical insurance?

Schengen travel medical insurance is included within the Schengen travel insurance cover, and is the minimum requirement in order to apply for a Schengen visa.

Schengen travel insurance and Schengen travel medical insurance are essentially the same insurance, except that Schengen travel insurance will also cover you for a range of additional guarantees. 

In addition to medical coverages, this broader travel insurance can cover other travel emergencies such as…  

• Air ticket cancellation: Reimbursement of your air tickets costs in the event of a cancellation
• Additional stay: Coverage of additional accommodation costs in case your return is delayed.
• Lost or stolen belongings: Coverage for the loss or theft of personal belongings, including luggage, passports, and valuable items.
• Sports : Coverage for sports injuries or accidents, including search and rescue costs.
• Travel assistance: Access to 24/7 support services for travel-related issues , such as medical referrals, translation services, and travel advice, before and during your trip.
• Covid insurance: Specific cover for Covid related expenses such as quarantine or additional medical expenses.

If I’m exempt from needing a visa, do I still need European travel insurance?

Not all travelers require a Schengen visa in order to visit the Schengen area. If you are exempt from needing a visa, having a European travel insurance policy is not a legal requirement. 

Nonetheless, it is highly recommended to purchase insurance for your trip, since medical costs within Europe can be very expensive for non-citizens. Having European travel insurance in place gives you peace of mind during your travels, and allows you the flexibility of changing your travel plans and visiting different European countries during your trip.

Who is exempt from needing a visa?

If you meet one of the following requirements, then you may be exempt from needing a Schengen visa:

• You are a citizen of a country that has a visa-free arrangement with the Schengen zone, such as the USA, Australia, United Kingdom and Canada. Citizens from these countries can freely enter the Schengen zone without needing a visa and are permitted for short-term stays. You can find the full list of exempt countries on European website .
• You are traveling on a diplomatic passport, official passport or other type of special passport.
• You are a British citizen. Since Brexit, British citizens can stay within the Schengen zone for up to 90 days in a 180 day period, provided that you are visiting as a tourist or for certain other reasons (You can check it on the UK government website) such as journalism or medical treatment. You can travel to any number of countries within the Schengen area during this 180 day period, providing that your total time within the zone does not exceed 90 days.

How to find the best Schengen Travel Insurance?

The easiest way to find the best travel insurance for a Schengen visa is to use a comparison tool. Insurté’s travel insurance comparison tool gathers information on multiple insurance providers to help you identify which policy is best suited to your needs.

You can filter your results according to the type of trip you want – single-trip or multi-trip – as well as the region you want to cover – for example, worldwide cover if you’re globe-trotting.

Some of the most well known insurance providers offering Schengen visa travel insurance include Axa, Allianz, Europ Assistance and Mutuaide.

Where can I find the cheapest travel insurance Europe

It’s always worth shopping around when you are choosing travel insurance, especially if you are looking to find the cheapest insurance options available. There are also ways to reduce the cost of your insurance by modifying your requirements.

Using Insurté’s insurance comparison tool will allow you to compare prices of different policies and select the cheapest travel insurance for Europe. 

The cheapest travel insurance options are going to be those that offer a more basic level of cover. Reducing the length of your stay will also bring down your cover, as will increasing your deductible (or excess). 

Where can I find a comprehensive Schengen travel insurance

To ensure you have a premium policy that will protect you against all unforeseen events during your travels, you’ll want to opt for a comprehensive Schengen travel insurance . 

Comprehensive options will have higher thresholds in the payouts they offer and may include more specific options such as Covid cover. They may also be deductible free, meaning in the moment of a crisis you won’t need to pay out anything yourself.  When searching for comprehensive insurance, be sure to review the policy terms and conditions carefully to understand what is and isn’t covered. Consider factors such as:

• Coverage limits: Opt for higher coverage limits to avoid any nasty surprises.
• Deductibles : Choose options without deductibles.
• Additional Benefits: Look for additional benefits like air ticket cancellation coverage, lost baggage protection and sports.
• Customer reviews: Check that previous customers have had a positive experience with the insurer.

How much does Schengen travel insurance cost?

The cost of your Schengen travel insurance will vary widely depending on which insurance provider you go with and the level of coverage you select. Overall cost will depend on the length of your stay, as well as specific guarantees that you want covered. Including high risk activities such as skiing can result in a more expensive policy. 

On average you might expect to pay from €21 for a Schengen travel insurance policy for a short-term stay. 

The cheapest options will include basic insurance policies that offer minimal coverage. More comprehensive policies come at a higher premium, but offer additional benefits and have higher cover limits. 

Looking for a cost estimation ?

Schengen travel insurance faqs, do you need travel insurance for europe.

Travel insurance is a legal requirement if you are traveling to one of the countries within the Schengen zone and need a visa. Since the majority of European countries are included in the Schengen zone, most travelers to Europe will therefore need travel insurance. 

For those traveling to a European country that is not in the Schengen zone – for example, the UK or Ireland – or for travelers who do not require a visa, travel insurance is not a legal requirement but is highly recommended . Medical costs can be very high in European countries for non residents, and so European travel insurance will give you peace of mind during your trip.

Yes, travel medical insurance is mandatory in order to be granted a Schengen visa. This includes short-term visas of up to 3 months, as well as multiple-entry visa (multi-trip) and long stay visa. Travel insurance must meet specific criteria, including covering costs for medical emergencies and repatriation of up to €30,000.

It’s important to carefully review the terms and conditions of each policy to ensure it complies with the Schengen requirements and provides adequate coverage for your travel needs.

When applying for your visa, you’ll need to take proof of your insurance cover with you to the embassy, along with any other paperwork necessary for your visa application.

Why compare Schengen travel insurance?

Before you take out your insurance policy, you’ll want to be sure you’re getting the best coverage for your trip, as well as the best value for money. It’s therefore important that you take time to review the available options and compare them.  Using a comparison tool is a fast and effective way to compare offers from different providers and find the best cover. As with any purchase, no two products are the same. Prices can vary between different insurance providers, as can the type of coverage they offer. The length of your visit, levels of coverage provided and deductibles will all impact the type of cover you’ll want.

When do I need to buy Schengen travel insurance?

You’ll need proof of your Schengen visa travel insurance when you apply for your Schengen visa, so it’s advisable to purchase your travel insurance well in advance. That said, it is possible to apply for the insurance immediately before your appointment, if you are short on time. 

Remember you will need to print your insurance certificate in time to include it in your visa application paperwork.

If your visa application is unsuccessful, you can apply for a 100% refund from Insurté within 14 days of your visa refusal. 

Do I need deductible or no deductible insurance ?

Insurance policies with deductibles typically have lower premiums and can be more attractive at the outset. However, they can increase the risk of you needing to pay out of pocket when you make a claim. 

  Some embassies require travelers to take out an insurance policy with no deductible, so it is important to check with your visa center before taking out insurance.

Do I have to buy my insurance from my country of departure ?

There are no requirements on where you buy your travel insurance. With online providers offering a wide range of choices when it comes to insurance products, you can browse all options online and purchase your insurance from any country, regardless of your country of origin.

The only requirement made by the EU is that the insurance cover must be recoverable from within the Schengen country in which you are staying in at the time of the claim.

Is my choice of insurance restricted based on my nationality?

No, Insurté’s insurance panel cover travelers of any nationality, and can be purchased from any country.

Can I get a refund in case of visa refusal ?

Some customers are not granted a Schengen visa upon application. This is a frustrating situation that may require you to change or cancel your travel plans.

Insurté guarantees a 100% refund on any insurance policy in case of an unsuccessful visa application. To claim your refund, you will need to provide us with official proof of your visa refusal, within 14 days of receiving it. Reach out to our team via the contact form on our website to arrange a refund.

Do I need Schengen visa insurance if I'm traveling to French overseas territories?

France has a number of overseas territories that, although part of France, are not considered part of the Schengen area. You therefore do not need a Schengen visa if traveling to these regions. Instead, unless exempt, non EU nationals will need to apply for a visa specific to that region. Likewise, your mandatory travel insurance will need to be specific to this region, and you won’t require travel insurance for a Schengen visa.

French overseas territories include:

• Martinique,
• French Guiana
• Saint Pierre and Miquelon
• Saint-Barthelemy
• the Collectivity of Saint Martin
• Wallis and Futuna
• French Polynesia
• New Caledonia
• French Southern and Antarctic Lands

In all cases, travel insurance is highly recommended when visiting the French overseas territories, to be sure you are taken care of in case of an emergency. You can find out more about the specific visa requirements for these regions here .

Do I need Schengen Visa insurance if I’m traveling to Caribbean parts of the Kingdom of the Netherlands ?

In addition to the Netherlands in Europe, the Kingdom of the Netherlands also comprises three Caribbean islands: Aruba, Curacao and St. Maarten. As with French overseas territories, these regions do not form part of the Schengen area and therefore do not require a Schengen visa. 

Travel insurance is always highly recommended when you are traveling to these regions, so that you are fully covered for any incident during your trip. It’s important to check the specific entry requirements of the Caribbean territory you intend to visit.

Is my worldwide travel insurance compliant with Schengen requirements?

If you are a backpacker, remote worker, business traveler or travel regularly for any other reason, you may already have worldwide travel insurance in place. In this case, your worldwide travel insurance plan, whether it’s for a single trip or multi-trip, should be compliant with Schengen requirements, as most worldwide insurance packages cover all countries within the Schengen zone. 

All Insurté worldwide travel insurance policies are 100% compliant with Schengen requirements. So you can continue to globe-trot without any extra hassle.

Are all VTI.travel insurances recoverable in a Schengen Member state?

European Union regulations (Decision 810/2009 of 13 July 2009) state that in order for insurance cover to be considered adequate for a visa application, claims against the insurance company must be recoverable from within the Schengen Member state you are staying in at the time of the claim.

Insurté works with leading European insurers within the global health network, and all VTI.travel insurers comply with this regulation. Any insurance claim made during a stay in the Schengen area would be recoverable from within any Schengen Member state.

Can I insure my Schengen travel if I’m 65 years old, 75 years old or more than 80 years old ?

Some insurance providers have age restrictions and do not provide cover to those over 65, 75 or 80 years old. Fortunately Insurté has no upper age limit. We provide cover to travelers of any age, so you can enjoy exploring Europe, whatever your age.

By selecting the upper age limit in our comparison tool, we’ll make sure we present you with the best insurance cover for your age group.

Where can I compare Schengen travel insurance?

You can compare Schengen travel insurances using the Insurté comparison tool.

Our tool will help you identify which insurance providers are best suited to your needs, depending on pricing and extent of cover. You can filter your search according to single or multi-trip, number of travelers and length of stay, and browse the options to compare policies.

Let’s get in touch!

Do you need help to book your insurance or need assistance?

TRAVEL INSURANCE

Visa Travel Insurance

Annual Travel Insurance

24/7 support

NAVIGATE SAFE

Insurté – Insurance Broker – 5 Ter Rue du Magasin à Poudre 14000 Caen (France) Registered with the Caen (France) Register of Business and Companies under number 523 065 860 and with ORIAS under number 10 056 187. Insurte is subject to the control of the French Prudential and Resolution Supervisory Authority (ACPR), located at 4 Place de Budapest, CS 92459, 75436 Paris Cedex 09 (France).

General Conditions of Use

Legal notice

Privacy Policy

Cookies Policy

Insurte © 2022

• Best Extended Auto Warranty
• Best Used Car Warranty
• Best Car Warranty Companies
• CarShield Reviews
• Best Auto Loan Rates
• Average Auto Loan Interest Rates
• Best Auto Refinance Rates
• Bad Credit Auto Loans
• Best Auto Shipping Companies
• How To Ship a Car
• Car Shipping Cost Calculator
• Montway Auto Transport Reviews
• Best Car Buying Apps
• Best Websites To Sell Your Car Online
• CarMax Review
• Carvana Reviews
• Best LLC Service
• Best Registered Agent Service
• Best Trademark Service
• Best Online Legal Services
• Best CRMs for Small Business
• Best CRM Software
• Best CRM for Real Estate
• Best Marketing CRM
• Best CRM for Sales
• Best Free Time Tracking Apps
• Best HR Software
• Best Payroll Services
• Best HR Outsourcing Services
• Best HRIS Software
• Best Personal Loans
• Best Fast Personal Loans
• Best Debt Consolidation Loans
• Best Personal Loans for Bad Credit
• Best Personal Loans for Fair Credit
• Home Equity
• Best Home Equity Loan Rates
• Best Home Equity Loans
• Best Checking Accounts
• Best Free Checking Accounts
• Best Online Checking Accounts
• Best Online Banks
• Bank Account Bonuses
• Best High-Yield Savings Accounts
• Best Savings Accounts
• Average Savings Account Interest Rate
• Money Market Accounts
• Best CD Rates
• Best 3-Month CD Rates
• Best 6-Month CD Rates
• Best 1-Year CD Rates
• Best 5-Year CD Rates
• Best Jumbo CD Rates of April 2024
• Best Hearing Aids
• Best OTC Hearing Aids
• Most Affordable Hearing Aids
• Eargo Hearing Aids Review
• Best Medical Alert Systems
• Best Medical Alert Watches
• Best Medical Alert Necklaces
• Are Medical Alert Systems Covered by Insurance?
• Best Online Therapy
• Best Online Therapy Platforms That Take Insurance
• Best Online Psychiatrist Platforms
• BetterHelp Review
• Best Mattress
• Best Mattress for Side Sleepers
• Best Mattress for Back Pain
• Best Adjustable Beds
• Best Home Warranty Companies
• American Home Shield Review
• First American Home Warranty Review
• Best Home Appliance Insurance
• Best Moving Companies
• Best Interstate Moving Companies
• Best Long-Distance Moving Companies
• Cheap Moving Companies
• Best Window Replacement Companies
• Best Gutter Guards
• Gutter Installation Costs
• Best Window Brands
• Best Solar Companies
• Best Solar Panels
• How Much Do Solar Panels Cost?
• Solar Calculator
• Best Car Insurance Companies
• Cheapest Car Insurance Companies
• Best Car Insurance for New Drivers
• Same-day Car Insurance
• Best Pet Insurance
• Pet Insurance Cost
• Cheapest Pet Insurance
• Pet Wellness Plans
• Best Life Insurance
• Best Term Life Insurance
• Best Whole Life Insurance
• Term vs. Whole Life Insurance
• Best Travel Insurance Companies
• Best Homeowners Insurance Companies
• Best Renters Insurance Companies
• Best Motorcycle Insurance

Partner content:  This content was created by a business partner of Dow Jones, independent of the MarketWatch newsroom. Links in this article may result in us earning a commission.  Learn More

Schengen Visa Travel Insurance (2024 Guide)

Josh Lew is a travel journalist and writer based in the midwestern U.S. He has been active for the past decade, covering airlines, international destinations and ecotourism for sites like TravelPulse and TreeHugger. He currently contributes to content writing agency World Words.

Sabrina Lopez is an editor with over six years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she is not working on articles to help consumers make informed decisions, 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.

Companies Reviewed

Quotes Collected

Rating Factors

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.

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 .

How to Get Accredited TRAVEL INSURANCE for SCHENGEN VISA Application Online

The Schengen Visa is one of the hardest visas to get, especially for Filipino travelers. The sheer number of requirements alone can make any nervous applicant think twice about pursuing their application. Some of them are quite hard to secure, but there’s one item that is incredibly easy to get online — travel insurance.

Yes, a travel insurance is required when applying for a Schengen visa . And not just any travel insurance, it should meet the coverage criteria set by the embassies. In this article, we’ll walk you through the insurance details you should check and how to conveniently purchase one online.

WHAT'S COVERED IN THIS GUIDE?

What travel insurance is approved for Schengen visa?

The travel insurance policy you should buy and submit to any Schengen embassy must meet the following requirements:

• It must have coverage of at least EUR 30,000 .
• It must be valid for all Schengen member states .
• It must cover the entire duration of the stay . (Note: some embassies like the Italian Embassy requires an additional 15-day coverage beyond the travel dates.)
• It must include medical treatment in case of accident or illness (including COVID-19)
• It must include transportation home for treatment in case of illness or injury, or repatriation in case of death
• It must allow cashless settlements of claims with the toll-free number indicated.
• The insurance company must be accredited and reinsured.

There are a number of insurance companies that are accredited by Schengen embassies, but the one we tried in our most recent visa application is PGA SOMPO , a joint venture of the two of the most trusted insurance companies in the Philippines and Japan, which offers TravelJOY Plus .

TravelJOY Plus’s SUPREME plan is specifically designed for Schengen visa applications, and this is what we availed of. It was one of the cheapest we found and definitely the easiest to book! (We paid for our policy in full, and yes, our application was approved.)

So when PGA SOMPO approached us for a feature, we said yes immediately. Now, The Poor Traveler readers like you can enjoy a special rate when you book on the PGA Sompo website and use the promo code: WORTHIT.

How to Book Travel Insurance Online

1. visit this page ..

The first thing you’ll see is this short form:

Supply the following information:

• Trip type (single or annual multi-trip): If you need a policy for just one trip, select SINGLE .
• Package: Pick INDIVIDUAL .
• Destinations: Enter ALL the countries or territories that you intend to visit. The system will choose the appropriate plan for you, depending on the countries you select. For example, if you enter a country within the Schengen Zone, the system will automatically present the SUPREME PLAN, which meets the Schengen visa requirements.
• Depart Date: the date you’re leaving your usual residence for the trip.
• Return Date: the date you’ll arrive at your usual residence after the trip.
• Number of Travelers: You can select up to five travelers. If you’re a party of more than five, you may book another batch.
• Promo/Product Code: Type WORTHIT to get an affordable rate.

Once the form is filled out, click GET QUOTE .

2. Select the SUPREME plan.

If you entered a Schengen state in the previous page, you won’t have any other choice. It will automatically offer you the SUPREME Plan, the Schengen-accredited policy. It’s what I submitted in my most recent application.

Note: The cost of the plan varies depending on how long your trip is and what countries you will be visiting.

If everything is to your satisfaction, click BUY NOW .

3. Accomplish the personal information form.

Type your personal details correctly in the right field.

Under Applicant Details , type in your information. If you’re a group, only one needs to complete this part. Below it are the fields for the insured persons, which can be up to 5 travelers. If you’re also traveling, you may just tick the “ Copy Applicant details to Insured Persons ” button to automatically duplicate your answers and avoid typing them all over again.

Here are some of the details needed:

• contact number
• email address
• nationality
• ID type and number

In the bottom section, enter the personal details of your beneficiary. If you skip this, the system will consider “Succession of Law” by default.

Agree to the Terms and Conditions as well as the Privacy Policy , and tap CONTINUE .

4. Pay for the insurance.

The next page will lead you to the PesoPay Payment Service , which is the official payment partner of PGA SOMPO. There are a number of payment options available, namely:

• Visa or MasterCard credit card or debit card
• BDO (over the counter)
• RCBC (over the counter)
• Bayad Center

Tap on the logo of your chosen payment method.

If via card, you’ll be required to enter your credit card or debit card details.

If via GCash, you’ll be required to log in to your GCash account.

Once payment is complete, the screen will show you a Transaction Result. Then click CONTINUE . It will take you back to the PGA SOMPO website with a summary of your purchase.

5. Keep a copy of your Confirmation of Cover.

Check the inbox of the email address you entered in the previous page. You should receive a copy of the Confirmation of Cover (COC), similar to this:

Save or print it out as needed.

FREQUENTLY ASKED QUESTIONS

Is travel insurance really required when applying for a schengen visa.

YES. There’s no way around it. You have to have a travel insurance. It is one of the most important documents the embassies need to see.

What are the countries that require a Schengen visa?

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

How many days should the travel insurance cover?

That depends on how long your trip will be. In most cases, the policy should cover the entire duration of your trip, from the day you depart to the day you return. But some embassies require additional days. In our experience, the Italian Embassy requires an additional 15-day coverage beyond your declared travel dates. We were told that the Swiss Embassy does the same.

It’s best to double check with the respective embassy to be sure.

What is PGA SOMPO TravelJOY Plus? What are its benefits?

TravelJOY Plus is the travel insurance offered by PGA SOMPO , a joint venture of Prudential Guarantee and Assurance, the top non-life insurance company in the Philippines, and SOMPO Holdings, a leading non-life insurance company in Japan. Both are known for providing high-quality service.

Together, they put together TravelJoy, which can give travelers like you relief and compensation for untoward incidents like personal accidents, medical emergencies, flight or baggage delays, trip cancellation, evacuation, loss of money, and more! COVID-19 coverage is also included!

How much is TravelJOY Plus?

One great thing about TravelJOY Plus is its competitive pricing. It is one of the most value-for-money travel insurance products out there. The Schengen-accredited Supreme plan costs PHP 717 (1-4 days), and this also applies not just to the countries within the Schengen Zone but also the UK, Ireland, Turkey, and European Russia.

Here’s the full price list. But just in case there are cost movements in the future, best to visit this page to get a more updated quote.

Is there a GROUP or FAMILY option?

There used to be a FAMILY option, but it’s currently unavailable. In the meantime, you may choose INDIVIDUAL and select the number of pax that applies to you.

Why choose TravelJOY Plus?

Aside from its competitive prices, PGA SOMPO is part of the SOMPO Group which is present in over 30 countries around the world. These SOMPO offices worldwide can provide necessary assistance and support should the time come that you need it.

How to contact PGA SOMPO in case something happens?

The TravelJOY Plus Hotline is +632 8866 7388. It’s open 24/7.

Disclosure: This article is made possible through collaboration with PGA SOMPO.

More Tips on YouTube ⬇️⬇️⬇️

Is this post helpful to you?

Related Posts:

• Chinese Visa: How to Apply and Get One Successfully
• Taiwan Visa and e-Visa for Filipinos: How to Get It Successfully
• TAIWAN VISA-FREE Entry Requirements (Until July 2020)
• MULTIPLE ENTRY JAPAN VISA: Requirements & How to Apply
• HOW TO APPLY for a SOUTH KOREA VISA in CEBU
• JAPAN VISA FOR VISITING FRIENDS OR RELATIVES: Requirements & Steps
• How to Get a POLIO VACCINATION CERTIFICATE from the Bureau of Quarantine
• NEW PASSPORT APPLICATION REQUIREMENTS & DFA Schedule Appointment Tips

• Recent Posts

• 2024 Resorts World One HONG KONG CRUISE Guide for First Timers - 13 April 2024
• FLIGHT RESERVATION for VISA • How to Get Dummy Ticket for Schengen, Canada, China and Other Visa Applications - 22 March 2024
• 2024 Cebu Pacific Promos & PISO SALE with List of Covered Destinations - 4 March 2024

Featured On

We heard you!

Your comment is now queued for moderation! We’ll try to get back to you soonest. While waiting, follow us on these channels.

Subscribe on Youtube! Follow us on Instagram!

You are using an outdated browser. Please upgrade your browser to improve your experience.

• For Individuals
• For Governments
• #TravelAgain
• #DoNotFallForFraud

Secure your overseas trip with Travel Medical Insurance

Get your Travel Medical Insurance with COVID-19 coverage from reputed global insurers for travel in the new normal.

Travelling from*

• South Korea
• Afghanistan
• Aland Islands
• Antigua Barbuda
• Ascension and Tristan da Cunha
• Bosnia & Herzegovina
• Burkina Faso
• Cape Verde Islands
• Cayman Islands
• Central African Republic
• Christmas Islands
• Cocos Islands
• The Democratic Republic of the Congo
• Czech Republic
• Dominican Republic
• El Salvador
• Equatorial Guinea
• French Polynesia
• Guinea Bissau
• British Indian Ocean Territory
• British Virgin Islands
• Caribbran Netherlands
• Ivory Coast
• Faroe Islands
• French Guiana
• Liechtenstein
• Marshall Islands
• Saint Barthelemy
• Saint Kitts Nevis
• Saint Martin
• Saint Pierre and Miquelon
• Hong Kong SAR
• Isle of Man
• Korea, Republic of
• Myanmar (Burma)
• The Netherlands
• New Caledonia
• New Zealand
• Norfolk Islands
• Northern Mariana Islands
• North Macedonia
• Palestinian Territories
• Papua New Guinea
• Philippines
• Puerto Rico
• Saint Helena
• Saint Lucia
• Saint Vincent Grenadines
• Sao Tome & Principe
• Saudi Arabia
• Sierra Leone
• Sint Marteen
• Solomon Island
• South Africa
• South Sudan
• Sudan, Republic of
• Svalbard and Jan Mayen
• Switzerland
• Taiwan, China
• The Holy See
• Timor Leste
• Trinidad & Tobago
• Turkmenistan
• Turks Caicos Islands
• United Arab Emirates
• United Kingdom
• United States of America
• Vatican City
• Virgin Islands of the United States
• Western Sahara
• Vietnam (Online eVisa)
• Lesotho Permits
• Korea, Democratic People's Republic of
• Ghana Permits
• Lithuania Temporary Residence Permit
• Lithuania (E-Resident card)
• Lithuania TRP and National Visa
• Falkland Islands
• Finland Residence Permit
• Faroe Iceland
• Thailand (Online eVisa)
• American Samoa
• Pitcairn Island
• Wallis and Futuna Islands
• Bouvet Island
• Akrotiri and Dhekelia
• Baker Island
• Clipperton Island
• South Georgia and the South Sandwich Islands

Travelling to*

• Schengen countries

By clicking 'Get Now,' I agree to the terms and conditions & understand that my personal data may be shared with VFS Global insurance partners.

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.

Global medical insurance coverage for evacuation and accidents.

Cancellation and trip delay coverage.

Protection for loss of passport and travel documents.

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.

Our Valued Partners

Modal title

Terms and Conditions:

The VFS Global website may contain links to third-party sites promoting various products and/or services that VFS Global does not own or operate. These links to websites are in the nature of paid advertising and are not verified by VFS Global.

These links are provided for convenient access. Access to these links is voluntary and does not indicate that VFS Global endorses or is associated with any of these third-party websites. Users are requested to use these links at their own discretion, risk, and cost when dealing with these websites, and neither VFS Global nor its officers, employees, or agents shall have any responsibility or liability of any nature whatsoever for these other third-party websites/links or any other information contained in them.

Use of Your Personal Information:

In the event that you wish to avail of any of our collaboration partners' products or services, you agree and understand that by proceeding to avail of these products and services, you consent to share your personal information with them. By clicking on the box below, you confirm that you have provided your consent to us sharing your personal information with our collaboration partners for the purpose of providing products and services and receiving quotes from them.

For more information about how we use your personal information, please review our Privacy Policy. You can also review our partners' Privacy Policies - you'll be able to find these on their websites when you click through to the next page.

Which Country Will Join Schengen in 2024

• Published: April 21, 2024
• EU Policies , Schengen Boarders , Schengen Tourism , Schengen Travel , Schengen Visa

The Schengen Area represents one of the most significant achievements in European integration, facilitating the free movement of people across national borders without the need for passport checks.

Recently, this zone of free movement expanded slightly with the partial inclusion of Romania and Bulgaria, an integration process marked by over a decade of evaluations and preparations. 

This article explores potential candidates for Schengen membership in 2024, assessing their readiness and the broader implications of their inclusion.

As nations strive for seamless border transitions, the implications of expanding this area are significant not only for member states but also for the European Union’s external relations and internal security protocols. 

Background Information

Membership in the Schengen Area requires adherence to a stringent set of criteria that ensure the candidate country is prepared for the elimination of border controls.

These criteria include robust border management, a well-functioning visa system, and adherence to the Schengen acquis, which encompasses data protection, police cooperation, and respect for fundamental rights. 

The Schengen Area, established in 1985 and implemented in 1995, has gradually expanded to include 26 European countries, fostering easier travel and economic exchange but also facing challenges such as migration management and security coordination. 

As countries seek entry into this zone, they must demonstrate not only the capability to manage their borders but also the ability to integrate into a complex system of security and information sharing that binds the area.

This continuous expansion has prompted ongoing debates about the balance between freedom of movement and the security of external borders, reflecting the evolving political and security landscape of Europe.

Recent Developments

Partial integration of romania and bulgaria.

The decision to allow partial Schengen integration highlights the European Union’s strategic flexibility in expanding its border-free zone.

By adapting membership requirements to accommodate unique national circumstances, the EU can maintain stringent security standards while fostering greater integration. 

For Romania and Bulgaria, this achievement not only signifies a step closer to full Schengen inclusion but also enhances their geopolitical stance within Europe.

As they continue to work towards meeting the complete criteria, their progress serves as a beacon for other candidate countries, illustrating the tangible benefits of sustained compliance and reform.

Challenges Overcome

The path to this achievement has not been straightforward. Romania and Bulgaria have undergone thirteen years of rigorous scrutiny regarding their border security and visa management systems.

These evaluations aimed to ensure that both nations fully complied with Schengen standards, focusing on areas such as law enforcement cooperation, data sharing, and the protection of fundamental rights within their jurisdictions. 

The process involved multiple assessments by Schengen evaluators, who periodically reviewed progress and identified areas requiring further improvement.

These continuous efforts underscored the commitment of both countries to uphold the high standards required for Schengen membership, despite facing significant political and logistical hurdles along the way.

Setting a Precedent

This partial admission highlights a critical pathway for prospective Schengen members, illustrating that although the journey may be protracted, adherence to stringent EU norms and continuous improvements in security and policy frameworks are quintessential. 

The example of Romania and Bulgaria serves as a beacon for countries like Croatia and others in the Balkans, which are navigating similar hurdles.

Their success can potentially inspire and expedite the integration processes for these nations, thereby enriching the cohesion and operational synergy within the Schengen Area.

This development reaffirms the EU’s commitment to expansion based on merit and preparedness, ensuring a stronger, unified Europe.

Candidates for 2024

Exploring the likely candidates for Schengen Area membership in 2024, we assess their readiness and the challenges they face.

Potential Entrants

As the European Union looks toward the future of the Schengen Area, several candidates stand out for potential inclusion in 2024. Croatia, in particular, has made significant strides in aligning with EU regulations and standards.

Recent political stability and economic advancements position it as a prime candidate for Schengen membership. Similarly, other Balkan countries, motivated by the recent inclusion of Romania and Bulgaria, are intensifying their efforts to meet the required criteria.

Challenges and Advancements

Each candidate faces unique challenges. For instance, while Croatia benefits from a relatively stable political landscape, it must still enhance its border controls and data security measures to fully comply with Schengen requirements.

Other countries might struggle with bureaucratic inefficiencies or lack the necessary infrastructure to manage cross-border flows effectively. However, advancements in technology and increased EU support have enabled these nations to make significant progress toward integration.

Implications of Expansion

Economic and security impacts.

The economic benefits of expanding the Schengen Area include not only streamlined logistics and decreased operational costs for businesses but also the potential for increased tourism and service exchange.

This expansion can lead to a more integrated and competitive market, providing a boost to economic growth across the region. 

On the security front, while open borders facilitate ease of movement for citizens, they also require advanced monitoring technologies and intelligence sharing to safeguard against threats.

The implementation of comprehensive security protocols and the efficient use of Schengen Information System (SIS) are essential to manage risks associated with easier cross-border travel, ensuring that the benefits of increased economic activity do not come at the expense of security.

Political Ramifications

The expansion of the Schengen Area introduces complexities in balancing national sovereignty with collective European goals. As borders open wider, the seamless integration demands more cohesive policies on immigration and law enforcement.

This could lead to significant shifts in political power dynamics within the EU, as smaller or newer member states gain equal footing in the borderless area. 

Moreover, the ability to manage and secure borders effectively without individual national oversight could become a contentious issue, potentially redefining the role of national governments in an increasingly integrated Europe.

These discussions will be pivotal in shaping the future political landscape of the EU.

Opposition and Challenges

While the expansion of the Schengen Area holds promise, it also faces significant opposition and challenges, rooted in political, economic, and social concerns.

Sources of Opposition

Opposition to Schengen expansion often stems from concerns over increased immigration and the perceived dilution of border security.

Economic disparities between countries can also fuel resistance, as wealthier nations may fear the burden of supporting weaker economies through shared borders. 

Additionally, cultural and identity concerns play a role, with some populations feeling that an influx of foreign nationals may undermine local traditions and societal norms.

Integration Hurdles

Specific challenges to the 2024 expansion include aligning disparate legal systems and ensuring all candidate countries can effectively implement Schengen’s stringent data protection and security protocols.

Political resistance from within certain EU countries, combined with logistical challenges in harmonizing systems across diverse political landscapes, could slow down or even stall the process. 

Moreover, the technological infrastructure required to manage and monitor cross-border movements must be robust and uniformly applied across all new member states, posing significant financial and administrative burdens.

Frequently Asked Questions

How does a country join the schengen area.

To join the Schengen Area, a country must fulfill rigorous conditions ensuring reliable border management, a consistent visa regime, and strict adherence to the comprehensive body of regulations known as the Schengen acquis, which covers areas such as judicial cooperation, police collaboration, and the Schengen Information System (SIS).

These requirements ensure the integrity and security of the area are maintained.

What are the benefits of joining the Schengen Area?

Joining the Schengen Area facilitates a substantial increase in tourism and trade efficiencies by removing internal borders, promoting economic growth, and strengthening social and cultural exchanges.

It offers citizens the privilege of traveling freely for work, study, or leisure, significantly reducing bureaucratic hurdles and fostering a sense of European unity.

Are there any drawbacks to joining the Schengen Area?

Joining the Schengen Area may lead to challenges such as managing heightened immigration flows, ensuring robust security across open borders, and addressing potential cultural and social concerns that arise from increased population mobility.

Additionally, member states may face financial and administrative burdens associated with upgrading border infrastructure and harmonizing cross-border law enforcement efforts.

The potential expansion of the Schengen Area in 2024 presents both significant opportunities and formidable challenges. Successfully integrating new members hinges on meeting stringent criteria and overcoming diverse opposition rooted in political, economic, and social concerns. 

As countries like Croatia and others in the Balkans strive towards membership, the EU must carefully manage the balance between enhancing free movement and maintaining security and sovereignty.

The expansion process will not only test the resilience and adaptability of the EU’s policies but also shape the future of European integration, demonstrating the union’s commitment to unity and cooperation amidst complex global challenges.

• EuroNews – Detailed coverage on Romania and Bulgaria’s partial Schengen Area inclusion: Romania and Bulgaria Join Schengen Area
• European Commission – Official information on Schengen criteria and regulations: Schengen Borders Code
• EU Observer – Analysis of potential candidates for Schengen expansion and political impacts: Schengen Expansion Analysis  
• Schengen Visa Information: For comprehensive details on the Schengen Visa, its requirements, and application process, visit Schengen Visa . This resource provides up-to-date information beneficial for potential applicants and those interested in the intricacies of Schengen Area policies.

Latest News

EU Commission Outlines Path to a More Robust Schengen Area

What is the EU Pact on Migration and Asylum?

Can I Apply for a Schengen Visa With a Criminal Record?

How Do I Become A Citizen Of The EU?

2024 travel route itinerary ideas for Europe

How to travel from Asia to Europe by land

The Best of Europe: The Top 10 Countries to Visit

Related information.

Exploring the EU Commission’s strategic enhancements for the Schengen Area, aimed at securing borders while facilitating free movement.

Analyzing the EU Pact on Migration and Asylum, this piece examines its strategies, critiques, and future influence on EU migration.

If you’re planning a trip to Europe but have a criminal record, you may be wondering if you can apply for a Schengen visa. After

We do not recommend that you try an fit all the sights and sounds of Europe into a single trip – there’s too much to

An overland trip from Asia to Europe can either be the adventure of a lifetime or it can (quite literally) be as easy as walking

With travel restrictions slowly lifting around the world, many people are itching to explore again. And what better place to start than the continent of

Exploring 2024’s prospective Schengen entrants amidst complex political landscapes and rigorous EU criteria.

Privacy Overview