Insurance for Schengen Visa
Mandatory travel insurance requirements for Schengen visa applicants.
Schengen Visa Insurance Requirements
- Minimum Coverage
- €30,000
- Repatriation
- Required
- Territory
- All Schengen
- Duration
- Entire Trip
For medical expenses
Medical evacuation home
Must cover all 30 countries
Plus extra days recommended
Your Policy Must Cover
Minimum €30,000 medical coverage — covers emergency medical treatment and hospitalization
Medical repatriation — transport back to your home country if medically necessary
Repatriation of remains — in case of death abroad
All Schengen countries — valid throughout the entire Schengen Area
Entire trip duration — from your entry date to your exit date
Policy Must NOT Have
Deductibles or excess higher than €100 (some consulates)
Coverage gaps during your trip dates
Territory limitations (must cover ALL Schengen countries)
Exclusions for pre-existing conditions (if you have relevant conditions)
Waiting periods that extend beyond your travel dates
What Proof Do You Need?
When submitting your Schengen visa application, you will need to provide:
- Insurance certificate or policy document showing coverage details
- Coverage amount clearly stated (minimum €30,000)
- Validity dates matching or exceeding your travel dates
- Territory showing Schengen Area or worldwide coverage
- Policy holder name matching your passport name
Most Schengen-compliant insurance providers issue a visa letter specifically formatted for embassy submission.
Insurance Cost by Trip Duration
| Approximate Cost | Notes | |
|---|---|---|
| 1 week | €15-30 | Basic coverage |
| 2 weeks | €25-50 | Most common |
| 1 month | €40-80 | Extended travel |
| 3 months (90 days) | €80-150 | Maximum Schengen stay |
| Annual multi-trip | €100-200/year | Frequent travelers |
Accepted Insurance Providers
Consulates generally accept insurance from:
- Established insurance companies in your country or internationally
- Specialized Schengen insurance providers like AXA Schengen, Europ Assistance, Allianz
- Some credit card travel insurance if it meets all requirements (verify carefully)
Check with your specific consulate — some have lists of recommended or required providers.