Applying for a Schengen visa? EU regulations require travel insurance with a minimum of 30,000 EUR in medical coverage valid across all 27 Schengen countries. Compare compliant plans and get your certificate instantly.
Schengen visa insurance is a mandatory travel medical insurance requirement for travelers applying for a Schengen visa to enter the European Union's Schengen Area. The European Union requires this insurance to ensure visitors are financially protected against medical emergencies during their stay, reducing the burden on European public healthcare systems.
Without a qualifying Schengen travel insurance policy, your visa application can be rejected. The policy must meet specific minimum requirements set by EU regulations — and getting this right is critical for a successful visa application.
EU regulations require a minimum of 30,000 EUR (approximately $32,000 USD) in emergency medical coverage. This covers emergency medical treatment, hospitalization, and emergency repatriation within the Schengen Area. Many plans offer higher limits for added protection.
Your policy must be valid across all 27 Schengen Area member countries — even if you only plan to visit one. This is because travelers may transit through or enter other Schengen countries during their trip. Coverage must be confirmed valid throughout the entire zone.
The policy must cover the entire duration of your planned stay, including the entry and exit dates shown on your visa application. If your trip spans multiple entries, ensure coverage is valid for the full visa validity period, not just individual trips.
Upon purchase, you receive an insurance certificate that can be submitted with your Schengen visa application. The certificate confirms coverage dates, countries covered, and coverage amount — all required fields for the visa application.
| Requirement | Detail | Status |
|---|---|---|
| Minimum Medical Coverage | 30,000 EUR minimum | ✓ Required |
| Geographic Validity | All 27 Schengen countries | ✓ Required |
| Coverage Duration | Entire trip including entry & exit dates | ✓ Required |
| Emergency Medical Treatment | Hospitalization, surgery, ER visits | ✓ Required |
| Emergency Repatriation | Return to home country if medically necessary | ✓ Required |
| Repatriation of Remains | In the event of death during travel | ✓ Required |
| Insurance Certificate | Must be submitted with visa application | ✓ Required |
| Trip Cancellation | Not required but recommended | ⚠ Optional |
Your Schengen visa insurance must be valid across all 27 member countries. The Schengen Area includes most of continental Europe:
Note: The UK, Ireland, Cyprus, Bulgaria, and Romania are EU members but not part of the Schengen Area.
Compare EU-compliant Schengen visa insurance plans through VisitorsCoverage. Instant certificate delivery for your visa application.
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