Visa application requirement

Schengen Visa Travel Insurance &
Europe Incoming Insurance

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Schengen Travel Insurance

One of the most important requirements while traveling abroad is to have a valid travel health insurance policy in place to combat any unforeseen medical emergencies. A person traveling to the Schengen zone or the citizens of any country within the Schengen area are highly recommended to purchase a suitable Schengen Travel Visa Insurance for the expecting visitor from another country as the guarantor of the visitor.

In this article

Insurance Requirements for the Schengen Visa

Health insurance for the Schengen visa from an approved insurance company must meet the following requirements:

  • Full Medical Coverage of at least Euro 30,000 to the policyholder
  • Full coverage for the Medical evacuation/repatriation 

Travelers visiting the designated Schengen area can easily buy the Schengen visa insurance online with medical coverage in specified limits. The health insurance policy document should be presented at the Consulate from which you are applying for a Schengen visa along with other Visa documents and should also be carried along on the trip to the Schengen countries.

Insurance Providers of Schengen & Europe Travel Insurance

Make sure the insurance company you choose for your Travel insurance is licensed and accepted in the Schengen Area. Not every insurance provider is accepted by the embassy or consulate. There might be more companies, but the selected providers listed below are often reported to us that they are accepted by all European Embassies and Consulates worldwide and offer even more than the minimum requirements:

  • AXA
  • Allianz
  • Europ Assistance

The cost of Schengen Travel Insurance - Premium Comparison

The cost of travel insurance to the Schengen zone depends upon several factors as discussed below-

  • The duration of the trip– Higher the number of days of travel, more will be the premium
  • Age and health of the insured- As the presumed risk increases with an increase in age, thus a higher age leads to higher premium
  • Pre-existing medical condition– Conditions such as asthma or diabetes increases the cost of insurance 

Several companies offer the benefit of availing add-on covers that enhance the coverage limits and inclusions thus adding to the final premium amount. 


The importance of Schengen Visa Insurance

The majority of European countries come under the domain of Schengen regulations. The Schengen area includes-Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

All the above 26 countries mandatorily require Schengen travel insurance, without which it is not possible to obtain a Schengen visa. Hence, anyone who is planning to travel to any country in the Schengen zone is needed to buy suitable Schengen travel visa insurance also known as Schengen visa insurance or Schengen visa health insurance.

Is Schengen Visa Insurance compulsory to take?

Among the many requirements taken into consideration when applying for the Schengen visa, one is to have mandatory travel insurance.

Travelers who wish to visit Schengen zone need to factor in any kind of unforeseen expenses that might crop up. There are several reasons why it is inevitable and should be considered with due seriousness. The importance of the Schengen visa insurance can be summed by the significant excerpt from Regulation (EC) No 810/2009 of the European Parliament and of the Council in 2009, which is as follows.

“… Applicants for a uniform visa for one or two entries shall prove that they are in possession of adequate and valid travel medical insurance to cover any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death, during their stay(s) on the territory of the Member States.

The insurance shall be valid throughout the territory of the Member States and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30,000”.

Schengen Travel Insurance FAQ´s

  • One of the most commonly issued categories of the Schengen Visa is the short stay visa (category C) which is for the purposes of tourism, business, family or private visit. It is mandatory to have the travel insurance for this category.
  • The airport transit visa is required for the travelers who are going from one country to another while transiting through the territories of the Schengen states. This category of Visa does not require travel insurance

The Schengen travel visa insurance in normal circumstances covers:

  • Any kind of medical emergencies such as accident or sickness while in the Schengen Area
  • Visa Insurance covers Emergency evacuation or repatriation of the mortal remains
  • It covers Overseas funeral expenses in case of demise of the policyholder while in Schengen zone

Although the Schengen travel insurance insures you for most likely situations, not everything is covered in a Schengen travel insurance policy. Below are some of the exclusions-

  • Any kind of pre-existing medical conditions unless it’s a life-threatening condition
  • Any kind of expenses incurred due to any of the following conditions:
  • Self-inflicted injuries or illnesses
  • Suicide attempt
  • Mental disorder, Anxiety, stress or depression
  • Alcohol/drug abuse
  • If the policyholder is traveling against the advice of physician and is hospitalized due to the negligence
  • If the policyholder is specifically traveling to receive treatment abroad
  • Theft or loss of passport due to negligence or if you don’t report the loss to local police authorities immediately
  • Extreme situations such as War or nuclear threat in the country where you’re traveling
  • Participation in high-risk activities such as extreme sports e.g., scuba diving, skydiving, etc., are generally not covered in the Travel insurance policies

Although the plan can be availed by most, there are some criteria for issuing a Schengen Visa travel insurance policy as mentioned below:

  • The minimum and maximum age of the insured person which varies from company to company
  • The person at the time of applying the travel health should be medically fit with no predetermined illnesses

Yes, with the some of the insurance companies, the Schengen Visa Travel Insurance can be easily extended if your travel dates are changed due to any reason or your holidays are extended. This would not be possible with all insurance companies, so please clarify this option before you purchase an insurance cover.

Yes, various companies design travel insurance plans to meet both the requirements that of leisure and business based on the requirement. Individuals traveling abroad on business purpose can also avail the facility of overseas travel plan from the insurance company.