All You Should Know About Schengen Travel Insurance

Schengen travel insurance is a type of insurance that is required for travelers who need to apply for a Schengen visa.

Is Travel Insurance Mandatory for Schengen Visa?

Schengen travel insurance

Yes, if you need to apply for a Schengen visa, travel insurance is a mandatory requirement. If you do not have a valid insurance policy, the Embassy will automatically reject your visa application.


On the other hand, if you do not need a visa to travel to the Schengen Area, then you are not required to get travel insurance, although it is still highly recommended.


Schengen Visa Insurance Requirements

The Schengen visa travel insurance plan must meet these requirements:


  • It should cover at least €30,000 for medical expenses and emergency evacuation.
  • It should be valid in all 27 countries in the Schengen Zone.
  • It should be valid for the entire duration of time you are in Europe.


Companies such as Europ Assistance and MondialCare offer travel insurance certificates that are required by Embassies when applying for a Schengen visa.


How Much Does Schengen Medical Travel Insurance Cost?

Schengen travel insurance

Schengen insurance is not usually too expensive in comparison to the overall price of the trip. For example, for a one-week trip, you would pay between €20 to €50, depending on the policy.

There are three main factors which affect the price of your travel insurance policy:

  • Your age. The cost of the insurance policy increases along with your age. For example, older individuals (especially over the age of 60) have to pay higher premiums for the same insurance plan than someone who is younger.
  • The duration of your trip. Usually, insurance companies calculate the cost of the policy on a daily basis. So, the longer you plan to stay in Schengen, the higher the price of your policy.
  • The maximum coverage limit. There are usually 2-3 insurance plans you can choose from, regardless of the insurance company. As such, the basic plan with health insurance coverage of up to €30,000 will be cheaper than the one with maximum coverage of up to €100,000 or more.

Where Can I Purchase Travel Insurance for Schengen Visa?

Here’s where you can purchase your policy:

  • Through online travel insurance providers.
  • Through your travel agency.
  • Through a local Schengen-accredited travel insurance company.
  • Online travel insurance providers

Here is a list of companies that you can purchase travel insurance for Schengen Visa from:

  • Europ Assistance.
  • MondialCare.
  • AXA Schengen.
  • Allianz.
  • Bupa.

If you are unsure about which company to choose, you can head to an online comparison marketplace such as Insurte, or review the list of the best companies offering travel insurance for Schengen visa and compare the companies.

  1. Through Your Agency

If you have booked your visit to Europe via a travel agency, the agency may offer you a complimentary insurance policy added to the overall price. These offers are usually the most costly ones, because agencies may sometimes inflate the price of the policy. You should always read the policy beforehand – and if you don’t like it, see if you can opt-out.

Local insurance companies

To purchase Schengen travel insurance from local companies in your country, you can just visit the offices of an insurance company in your country, request a Schengen insurance policy, and purchase one.

How To Buy Schengen Visa Insurance Online?

Most insurance companies operate online, so you can simply purchase a travel insurance plan directly from their website. To purchase one, visit the company website, look for the “Get a Quote” or “Start Now” button, and:

  • Complete the online application form. You have to give your name, nationality, age, destination, and the dates of travel.
  • Select which plan you want. There is usually more than one plan available. Therefore you will need to carefully choose the policy that is well-suited to your specific travel plans, by reading the benefits of each plan. You can opt for the most affordable insurance policy, or the most comprehensive option. For example, if you purchase through Europ Assistance one of the leading insurance companies, there are two available policies you can subscribe to.
  • Make the payment. You can usually pay by a credit/debit card or through PayPal. The cost of the insurance plan depends on the information you provided (age, length of trip) as well as the plan you chose.
  • Download and print the Insurance Certificate. You need this to hand in to the Embassy when you apply for a visa. It will be in PDF format

How to Present Proof of Purchased Travel Insurance for Schengen Visa?

Schengen travel insurance

When you apply for a visa, the Embassy will ask to see proof of purchased Schengen travel insurance. This usually goes by the name of “travel insurance certificate”. Your insurance company will give it to you when you subscribe to one of their plans, and you can show that to the Embassy.

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If the Embassy you apply to has certain specific requirements about the insurance certificate, then just contact your insurance company and they will most likely give you a certificate suited to your situation.

What Should the Schengen Travel Insurance Plan Cover?

A basic policy has to cover the following to be valid for a visa application:

Cost of medical treatment. This includes:

  • In-patient and out-patient medical treatment.
  • Doctor visits.
  • Hospitalization 
  • Surgery
  • Prescription medication.
  • Emergency dental care.

Cost of repatriation or evacuation.

If you become gravely ill or get into a serious accident which requires medical attention from your home country, then travel insurance covers the cost of repatriation. It also covers repatriation in the event of death.    

However, companies may also offer additional coverage, such as insurance for your trip or liability.

How Exactly Does Travel Medical Insurance Work?

Travel health insurance protects you from financial losses as a result of medical emergencies while you are visiting Europe. If you have a valid insurance policy during your trip, then when you seek medical attention, the insurance company will take over the costs. There are two ways it usually works:

  • The hospital sends the bill directly to the insurance company. You do not need to pay anything upfront.
  • You pay the bill yourself, then make a claim with the insurance company to reimburse you. Make sure to save the bill you receive from the hospital.

If you are in an emergency situation, make sure to contact the assistance centre as soon as you can so that they can help you or inform you on how to proceed.

Frequently Asked Questions 

Can I Get a Refund If My Schengen Visa Application Is Refused?

Many companies offer you a refund of your insurance policy if you do not receive a Schengen visa, but not all. Usually, you can learn whether or not you can get a refund by looking at the FAQ section on a company website, or by contacting them directly.


That’s all you should know for now and if you need any other thing or have a question, you can leave a comment below.

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