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A Travel Medical Insurance is a mandatory requirement for obtaining a Schengen Visa. Travelers visiting any of the 29 Schengen countries must have a policy with at least €30,000 in coverage for emergency medical expenses, hospital treatment, emergency care, and medical repatriation throughout their stay.
If you want the full breakdown of the insurance requirements and who needs it, our Schengen visa travel insurance guide covers everything that you need.
Yes. Every Schengen visa-compliant plan at VisitorsCoverage is designed to meet all the necessary Schengen visa requirements. We take the guesswork out of the process, ensuring you can travel with complete confidence knowing your policy is fully valid and reliable. As soon as you indicate that you're heading to a Schengen country, you'll be matched with policies that are fully compliant with the visa's insurance guidelines.
Our plan comparison tool allows you to evaluate multiple Schengen-compliant plans side-by-side. After getting a Schengen insurance quote, simply check the "Compare" box next to any recommended plan to review and contrast its coverage limits, benefits, and pricing. This feature streamlines your decision-making, helping you select the best coverage for your trip.
Many travelers start with three of the most popular Schengen-compliant plans: Atlas International, Europe Travel Plus, and Atlas Essential International.
Best Overall Schengen Visa Insurance: Europe Travel Plus
Best Schengen Travel Insurance for Travelers Over 50 with Acute Onset of Pre-Existing Condition Coverage: Atlas International
Best Schengen Insurance Plan for Travelers on a Budget: Atlas Essential International
Immediately after purchase, you'll receive a Confirmation of Coverage Visa Letter. This official document confirms that your plan meets the necessary criteria for the Schengen Visa, including mandatory medical coverage limits and eligible benefits. This Insurance certificate letter should be submitted along with your Schengen visa application. Border control officials in any of the Schengen countries may also ask to see this letter at the port of entry upon arrival in a Schengen country.
Read our Schengen travel insurance guide to learn more about what the visa letter exactly includes and how to present it at the consulate or border.
If you need travel insurance for your Schengen visa, it is important to note that not all travel insurance out there will meet the set requirements for a Schengen visa. However, when you purchase a Schengen travel insurance plan through VisitorsCoverage, you get the following benefits:
Ready to get insured? Check out our Schengen Visa insurance plans today!
You can buy Schengen visa insurance entirely online in just a few minutes. Using our quote tool, you can enter your trip details, compare compliant plans side by side, choose the one that fits your needs and budget, and complete your purchase. Your visa letter is then emailed to you right away, so you don't have to wait.
You can purchase a plan any time before your trip begins. Purchasing early gives you time to include your visa letter with your application, ensuring you get your Schengen Visa before you travel.
Yes. If your visa is denied for any reason, most insurance providers will offer a full refund as long as your insurance coverage hasn't started.
You must extend or renew your travel insurance policy online before your original coverage date ends by contacting your insurance provider. Overstaying can leave you exposed to out-of-pocket medical bills and can technically invalidate your legal visa status.
You are legally required to carry a travel medical insurance policy that explicitly satisfies the Schengen requirements. A standard travel insurance policy will not work unless it explicitly guarantees a minimum medical coverage limit of €30,000, offers a $0 deductible option, remains valid across all 29 member states, and includes dedicated benefits for both emergency medical evacuation and the repatriation of remains.
In almost all cases, no. Credit card travel insurance plans will not be accepted for a Schengen visa application. European consulates require a qualified Confirmation of Coverage letter that explicitly displays your name, a $0 deductible, and the mandatory €30,000 limits for evacuation and repatriation. Credit card travel insurance benefits are typically generic and cannot provide the visa letter required for your application.
No, domestic U.S. health insurance plans typically do not satisfy Schengen visa requirements. Standard U.S. health insurance policies, like Medicare, do not provide international coverage for emergency medical evacuation or the repatriation of remains to your home country.
To prove your medical coverage, you must submit an official Confirmation of Coverage Visa Letter, which acts as your proof of insurance. When you purchase a Schengen-compliant plan through VisitorsCoverage, this certified document is instantly emailed to you. You should print a physical copy to hand directly to the visa officer at your consulate interview, and keep a digital copy handy on your phone for border patrol officers when you land in the area.
VisitorsCoverage let me get it done very painlessly and immediately sent all the documents including IDs by email. It was so great!
Website was easy to navigate, and contained a lot of information so I could make an informed decision. Also I thought the rates were very reasonable considering the peace of mind the policy will give me.
Very straightforward process, website navigation was excellent as well and can’t beat the price. Thanks!!
Very easy to compare between options and choose from. Was able to complete the purchase in 10 minutes.
Yes, if you cancel the policy before the start date, the premium should be fully refunded. If cancelled after the start date, the premium may be refunded on a prorated basis with a cancellation fee, but only if no claims have been submitted.
Medical insurance for a Schengen visa must meet the following criteria:
• Minimum Coverage: At least 30,000 EUR in medical costs.
• Coverage Area: Must cover all member states of the Schengen Area.
• Emergency Coverage: Includes expenses related to repatriation for medical reasons, urgent medical care, emergency hospital treatment, or death.
It’s recommended to check with the embassy where you’re applying for your visa to confirm if any additional requirements are needed. If you need any further assistance or want to understand how to find the best plan for you, contact us at support@visitorscoverage.com or call 1-866-384-9104.
You will get a visa letter and ID card emailed to the email address inputted at the time of purchase. You can print these documents to be used as proof of insurance.
Yes, you can include your spouse and dependent children who are U.S. citizens on your Schengen travel insurance policy. In the online application, click on the “Add Traveler” button to include your immediate family members.
If your travel insurance policy is active during your trip, you will be covered for any unforeseen medical emergencies in all Schengen Area countries. To ensure full coverage, it’s important that your insurance dates align with the entire duration of your travels within the Schengen zone.
If you still have any questions about Schengen travels and travel insurance requirements, feel free to contact us at support@visitorscoverage.com or call 1-866-384-9104.
The Schengen travel insurance plans include an emergency medical evacuation benefit that can provide coverage for life-threatening medical emergencies. It provides coverage for medical evacuations for sudden and unexpected medical illnesses and injuries that are life-threatening, and where hospitalization is medically necessary. The emergency medical evacuation benefit will transport the policyholder to the nearest medical facility equipped to care for the policyholder.
A traveler should input the destination as the country in which they will be receiving their visa approval from. Coverage will be provided in all Schengen territories so long as the plan is active during the entire duration of travel.
At VisitorsCoverage, you can easily compare Schengen Visa Insurance plans and buy them online, quickly and without excessive paperwork. Schengen Visa Insurance plans can help protect you from unforeseen circumstances and let you travel with peace of mind.
Disclaimer
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.
