Insurance Requirements
Minimum coverage requirements for European travel insurance.
Understanding the Requirements
Travel insurance requirements vary depending on how you are traveling to Europe. The strictest requirements apply to Schengen visa applicants, who must meet specific EU regulations. Even when not mandatory, understanding what good coverage looks like helps you choose the right policy.
Schengen Visa Minimum Requirements
- Medical Coverage
- €30,000
- Repatriation
- Included
- Remains
- Included
- Territory
- All Schengen
Minimum required amount
Medical evacuation required
Repatriation of remains
30 countries covered
Requirements by Traveler Type
| Schengen Visa | ETIAS | EU Citizens | |
|---|---|---|---|
| Insurance Required | Mandatory | Recommended | Optional |
| Minimum Coverage | €30,000 | No minimum | No minimum |
| Repatriation | Required | Recommended | Recommended |
| Proof Needed | At application | No | No |
| EHIC/GHIC Enough | No | Partial | Partial |
What Must Be Covered (Schengen Visa)
Emergency medical treatment — hospitalization, surgery, doctor visits
Emergency medical repatriation — transport home if medically necessary
Repatriation of remains — in case of death during the trip
Urgent dental care — emergency dental treatment (recommended)
All Schengen countries — coverage throughout the entire Schengen Area
Recommended Additional Coverage
Trip cancellation — reimbursement if you cannot travel
Trip interruption — if you need to return home early
Lost or delayed baggage — compensation for missing luggage
Travel delay — expenses for extended delays
Personal liability — if you cause damage or injury
Legal assistance — help with legal issues abroad
Policy Conditions to Check
When choosing travel insurance, verify these details:
- Deductible/Excess: The amount you pay before insurance starts. Some consulates do not accept high deductibles.
- Pre-existing conditions: Many policies exclude pre-existing medical conditions. If you have relevant conditions, look for policies that cover them.
- Adventure activities: Standard policies may exclude skiing, hiking, water sports. Get additional coverage if needed.
- Geographic limits: Ensure your policy covers all countries you will visit.
- 24/7 assistance: Important for emergencies — verify contact numbers work from abroad.
Coverage Levels Explained
| Medical Coverage | Best For | |
|---|---|---|
| Basic | €30,000-50,000 | Schengen visa minimum, budget travelers |
| Standard | €100,000-250,000 | Most travelers, good protection |
| Comprehensive | €500,000-1,000,000 | Longer trips, older travelers, peace of mind |
| Premium | Unlimited | High-risk activities, maximum protection |