Schengen Visa Travel Insurance
If you’re considering a trip to one of the stunning European countries in the Schengen area, you might need to secure a Schengen visa based on your nationality.
For those who need to obtain a Schengen visa, one of the essential requirements is proof of medical insurance coverage. Your application could be rejected without this insurance. Even for travelers who aren’t required to have a Schengen visa, having travel medical insurance is strongly advised.
What Is Schengen Visa Insurance?
Schengen visa insurance is a type of international travel medical insurance that provides coverage for emergency medical care while you’re abroad. It can help if you need medical attention for an unexpected illness or injury that arises during your time in the Schengen area. Coverage can include:
• Hospitalization
• Emergency medical evacuation
• Urgent care
• Surgery
• Prescription medication
• Repatriation of remains
• Lost luggage
Is Travel Insurance Required for a Schengen Visa?
Yes, travel insurance is mandatory to obtain a Schengen visa. The Schengen visa travel insurance policy must:
• Cover emergency medical expenses, hospitalization, and repatriation of remains
• Be valid for the entire duration of your stay in the Schengen area
• Be accepted in all Schengen countries
• Have a minimum medical coverage amount of EUR 30,000
Proof of travel medical insurance must be presented at the time of your Schengen visa application.
What is the Cost of Schengen Visa Travel Insurance?
Schengen visa-compliant travel medical insurance can be relatively inexpensive, with costs varying depending on the plan and the duration of your trip.
The price of your insurance premium will also be influenced by policy limits and deductibles, allowing you to choose coverage that fits your needs and budget, as long as it satisfies Schengen visa requirements.
Some plans start as low as $1 per day.
Advantages of Schengen Visa Travel Insurance
Beyond being a mandatory requirement for obtaining a Schengen visa, travel insurance offers numerous advantages. Even if you're not required to have a Schengen visa to enter the area, securing travel medical insurance is strongly recommended.
International travel insurance can be a critical safety net in the event of an unforeseen emergency. Since most domestic health insurance plans won’t provide coverage abroad, you would be responsible for paying any medical expenses out-of-pocket.
With travel medical insurance, you can travel with peace of mind, knowing that for a relatively small cost, you are protected against emergency medical situations during your trip.