For many individuals who are planning a trip to Europe, a Schengen visa will be required for their trip. As part of the Schengen visa application process, obtaining a travel health insurance policy is required.
The travel health insurance policy must meet certain Schengen visa requirements for coverage amounts and benefits.
A Schengen visa insurance policy will help protect travelers from unexpected medical costs if an injury or illness were to occur while traveling within the Schengen zone.
What Does Schengen Visa Insurance Cover?
A Schengen visa insurance policy, or a Europe travel health insurance policy, is typically used for emergency medical expenses incurred abroad during one’s travels.
However, Schengen visa health insurance can offer many more benefits than just coverage for emergency medical expenses in the event of an injury or illness overseas.
Schengen visa insurance coverage can include:
- Emergency medical expenses such as hospitalization, surgery, and prescription medication
- Emergency medical evacuation
- Repatriation of remains
- Acute onset of pre-existing conditions
- Political evacuation
- Accidental death and dismemberment
- Border entry protection
- Common carrier accidental death
- Lost luggage
- Lost or stolen travel documents such as passport or visa
Schengen Visa Insurance Requirements
When applying for a Schengen visa, you will need to have purchased a Schengen visa travel insurance policy that meets certain requirements.
Schengen visa insurance requirements include:
- Minimum coverage of EUR 30,000 for emergency medical expenses
- Coverage for hospitalization, emergency medical evacuation, and repatriation of remains
- Valid throughout the entire Schengen area
- Valid for the entirety of your stay within the Schengen area
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How Much Does Schengen Visa Insurance Cost?
The cost of Schengen visa insurance will depend upon a number of factors, including the length of your trip, destination, your age, and the plan you choose.
Here are some examples of pricing for Schengen visa insurance for $50,000 minimum medical coverage and a $0 deductible selected.
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For a more accurate Schengen visa insurance quote, use our Quote Tool using your individual information and trip details.
Best Schengen Visa Insurance Plans
When choosing a Schengen visa insurance plan, it is important to ensure that your plan satisfies all of the Schengen visa insurance requirements.
The following plans are excellent choices for Schengen visa insurance that meet all mandatory coverage and benefits.
Purchasing through VisitorsCoverage also gives you an instant Schengen visa insurance proof of coverage letter than you can use during your Schengen visa application process.
Get the Right Schengen Visa Insurance Coverage Today
Ready to get the coverage you need for your Schengen visa? Compare Schengen visa insurance plans or contact our Customer Success Team for assistance.
Frequently Asked Questions
Are US citizens required to have travel health insurance when visiting the Schengen area?
US citizens are not required to have travel health insurance when visiting the Schengen area. Only visitors who need a Schengen visa to travel to a country within the Schengen area are required to obtain travel health insurance for their trip.
Does my US health insurance cover me in Europe?
Most US-based health insurance plans will not cover you internationally.
Which travel insurance is best for Schengen?
Europe Travel Plus is an excellent choice for Schengen visa insurance as it meets all Schengen visa insurance requirements and provides comprehensive coverage for travelers.
What type of insurance is required for Schengen visa?
A travel insurance plan that covers emergency medical expenses, emergency medical evacuation, and repatriation is required for a Schengen visa. It must also be valid in all of the Schengen area and cover the entirety of your trip.
Do I need travel insurance if I have health insurance?
If traveling on a Schengen visa, you will still need travel insurance even if you have health insurance as most home country health insurance plans will not cover you abroad. Even if you don’t need a Schengen visa for your trip, travel insurance is highly encouraged to protect you against hefty medical expenses in the event of an unexpected illness or injury.
Can you travel to Europe without health insurance?
You can travel to Europe without health insurance only if you are traveling from a visa-exempt country, meaning you don’t need a Schengen visa for your trip. Schengen visa travelers must have health insurance coverage.
What are the insurance deductible requirements for Schengen visa?
Insurance deductible requirements may vary from country to country. Some countries may require you to choose a plan with a $0 deductible. Always check the requirements of the country you are visiting before choosing your plan coverage and details.
