Schengen Visa RequirementTravelers to Europe
Best Schengen Visa Travel Insurance Plans
Travel Insurance plans that Meets 100% of Schengen Visa Requirements
Navigating the complexities of Schengen area travel requires more than just a passport. If you are applying for a Schengen Visa, securing the right travel medical insurance is not just a recommendationâÂÂit is a legal requirement. At VisitorsCoverage, we simplify this process by offering curated plans that are guaranteed to meet the stringent criteria set by Schengen member consulates
Every Schengen-compliant plan we offer includes:
- Minimum Coverage of â¬30,000: Full protection for medical emergencies, hospitalization, and urgent care.
- Repatriation of Remains: Mandatory coverage for medical evacuation and repatriation to your home country.
- Zero Deductible Options: Most consulates require a $0 deductible to ensure no out-of-pocket barriers to care.
- Universal Validity: Seamless coverage across all 29 Schengen Area countries, including recent additions like Bulgaria and Romania.
By choosing a plan specifically tailored for the Schengen Area, you receive an instant Visa Letter (Proof of Insurance) that you can print and take directly to your embassy appointment, ensuring a smoother application process and total peace of mind.
Showing 8 of 8 plans
Europe Travel Plus
Comprehensive Coverage
Underwriter: SiriusPoint Speciality Insurance Corporation
Best for:
Direct Billing:Depends on provider. No PPO network.
Direct Billing:Depends on provider. No PPO network.
- After the deductible, plan pays 100% of eligible medical expenses up to the policy maximum
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation and Repatriation
- Urgent Care Visits
- Emergency Room Services
- Emergency Dental Coverage
- Prescriptions/Medication
- Fulfills all Schengen Visa Requirements
- Instant Visa Letter for Schengen Visa Application
- Coverage for entry denial into Europe
- Lost Checked Luggage
- Lost or Stolen Passport
- COVID-19 Coverage: Included
- Pre-Existing Conditions: No Coverage
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Personal Property and Liability Rider
The rider includes the following provisions: Legal Assistance up to $500 max per period of coverage, Loss or Theft of Personal Property $50 item/$1,000 max per period of coverage, Personal Liability and Felonious Assault up to $10,000 per lifetime. Please Note: This is only a summary of the rider inclusions; for full details, please refer to the Certificate of Insurance.
Adventure Sports Rider
The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes:any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; amusement/theme park activities; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; wakeboarding; water skiing; wildlife safaris; and windsurfing.
| Age | Lifetime Maximum |
| 0-49 | $50,000 |
| 50-59 | $30,000 |
| 60-64 | $15,000 |
Accidental Death and Dismemberment
This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
Atlas International
Comprehensive Coverage
Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company
Best for:
Worldwide
Direct Billing:Depends on provider. No PPO network.
Direct Billing:Depends on provider. No PPO network.
- After the deductible, plan pays 100% of eligible medical expenses up to the policy maximum
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- Trip Interruption
- Trip Delay
- COVID-19 Coverage: Included
- Pre-Existing Conditions: No Coverage
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Accidental Death and Dismemberment Coverage
This rider, available to Members age 18 to 69, allows purchase of additional Accidental Death and Dismemberment (AD&D) coverage. Coverage may be increased to equal the medical maximum coverage amount. The AD&D benefit is not subject to the overall policy maximum. Accidental Death and Dismemberment coverage provides benefits in the event of your death or loss of limb due to an accident. It does not cover certain activities and conditions, as listed in the policy. As Atlas Travel provides $25,000 in AD&D coverage to Members age 18 to 69 in the base plan, this rider would increase the total AD&D benefit to $50,000 for only $0.35 / person / day.
| Base AD&D Coverage | Additional AD&D Coverage Available | Total AD&D Coverage Amount |
|---|---|---|
| $25,000 | $25,000 | $50,000 |
Crisis Response Benefit Rider
This rider allows you to purchase an additional $90,000 in Crisis Response coverage. As Atlas Travel provides $10,000 in Crisis Response coverage in the base plan, purchasing this rider would increase the total Crisis Response benefit to $100,000 for only $1.40 / person / day.
| Base CR Coverage | Additional CR Coverage Available | Total CR Coverage Amount |
|---|---|---|
| $10,000 | $90,000 | $100,000 |
Personal Liability Benefit Rider
This rider allows you to purchase an additional $90,000 in Personal Liability coverage. As Atlas Travel provides $10,000 in Personal Liability coverage in the base plan, purchasing this rider would increase the total Personal Liability benefit to $100,000 for only $0.35 / person / day.
| Base PL Coverage | Additional PL Coverage Available | Total PL Coverage Amount |
|---|---|---|
| $10,000 | $90,000 | $100,000 |
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
Safe Travels International - Cost Saver
Comprehensive Coverage
Underwriter: Zurich Insurance Europe AG Belgian branch
Best for:
Worldwide
80% of first $5,000, 100% thereafter.
Direct Billing:Depends on provider. No PPO network.
80% of first $5,000, 100% thereafter.
Direct Billing:Depends on provider. No PPO network.
- After the deductible, plan pays 80% of the first $5,000 then 100% thereafter for eligible medical expenses up to the policy maximum
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Dental Coverage
- Prescriptions/Medication
- Emergency Medical Treatment of Pregnancy
- Trip Delay
- No optional add-on benefits available
- Pre-Existing Conditions: No Coverage
- COVID-19 Coverage: Excluded
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
Direct Billing:Depends on provider. No PPO network.
Direct Billing:Depends on provider. No PPO network.
- After the deductible, the plan pays 100% of eligible medical expenses
- Emergency Medical Evacuation
- Emergency Dental Coverage
- Prescriptions/Medication
- Trip Interruption Transportation
- Pre-Existing Conditions: Included
- COVID-19 Coverage: Included
- No optional add-on benefits available
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
Atlas International Premium
Comprehensive Coverage
Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company
Best for:
Worldwide
Direct Billing:Depends on provider. No PPO network.
Direct Billing:Depends on provider. No PPO network.
- After the deductible, plan pays 100% of eligible medical expenses up to the policy maximum
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam
- Emergency Dental Coverage
- Prescriptions/Medication
- Quarantine Indemnity
- Trip Interruption
- Trip Delay
- Lost Checked Luggage
- COVID-19 Coverage: Included
- No optional add-on benefits available
- Pre-Existing Conditions: No Coverage
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
Patriot Platinum International
Comprehensive Coverage
Underwriter: SiriusPoint Speciality Insurance Corporation
Best for:
Worldwide
Direct Billing:Depends on provider. No PPO network.
Direct Billing:Depends on provider. No PPO network.
- After the deductible, the plan pays 100% of eligible medical expenses
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- COVID-19 Coverage: Included
- Pre-Existing Conditions: No Coverage
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Adventure Sports Rider
The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes:any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; amusement/theme park activities; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; wakeboarding; water skiing; wildlife safaris; and windsurfing.
| Age | Lifetime Maximum |
| 0-49 | $50,000 |
| 50-59 | $30,000 |
| 60-64 | $15,000 |
Accidental Death and Dismemberment
This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.
Device Protection Rider
Provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip.
Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
Trip Cancellation and Interruption Coverage
Provides up to 100% reimbursement of your prepaid, non-refundable trip costs if you are prevented from taking your trip due to a covered, unforeseen reason or 125% reimbursement if your trip is interrupted for a covered, unforeseen reason. Also includes travel delay benefits up to $2,000 ($250/day after an initial delay of 12 hours).
With this add-on you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted due to a covered unforeseen reason. Benefits also include accidental death and dismemberment (AD&D), which pays benefits to your beneficiary if you sustain an injury or loss of life caused by an accident during your flight. Note: this add-on benefit is only available for US residents.
With this add-on you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted due to a covered unforeseen reason. Benefits also include accidental death and dismemberment (AD&D), which pays benefits to your beneficiary if you sustain an injury or loss of life caused by an accident during your flight. Note: this add-on benefit is only available for US residents.
| COVERAGES | MAXIMUM BENEFIT |
|---|---|
| Trip Cancellation | 100% of Trip Cost |
| Trip Interruption | 125% of Trip Cost |
| Travel Delay | $2,000/$250 (Per Day) |
| Accidental Death & Dismemberment Air Flight Only | $10,000 |
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
Atlas Essential International
Comprehensive Coverage
Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company
Best for:
Worldwide
100% URC up to policy maximum.
Direct Billing:Depends on provider. No PPO network.
100% URC up to policy maximum.
Direct Billing:Depends on provider. No PPO network.
- After the deductible, plan pays 100% of the URC of eligible medical expenses up to the policy maximum
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Dental Coverage
- Prescriptions/Medication
- COVID-19 Coverage: Included
- No optional add-on benefits available
- Pre-Existing Conditions: No Coverage
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
Patriot International Lite
Comprehensive Coverage
Underwriter: SiriusPoint Speciality Insurance Corporation
Best for:
Worldwide
Direct Billing:Depends on provider. No PPO network.
Direct Billing:Depends on provider. No PPO network.
- After the deductible, the plan pays 100% of eligible medical expenses
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- COVID-19 Coverage: Included
- Pre-Existing Conditions: No Coverage
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Adventure Sports Rider
The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes:any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; amusement/theme park activities; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; wakeboarding; water skiing; wildlife safaris; and windsurfing.
| Age | Lifetime Maximum |
| 0-49 | $50,000 |
| 50-59 | $30,000 |
| 60-64 | $15,000 |
Accidental Death and Dismemberment
This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.
Device Protection Rider
Provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip.
Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
Trip Cancellation and Interruption Coverage
Provides up to 100% reimbursement of your prepaid, non-refundable trip costs if you are prevented from taking your trip due to a covered, unforeseen reason or 125% reimbursement if your trip is interrupted for a covered, unforeseen reason. Also includes travel delay benefits up to $2,000 ($250/day after an initial delay of 12 hours).
With this add-on you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted due to a covered unforeseen reason. Benefits also include accidental death and dismemberment (AD&D), which pays benefits to your beneficiary if you sustain an injury or loss of life caused by an accident during your flight. Note: this add-on benefit is only available for US residents.
With this add-on you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted due to a covered unforeseen reason. Benefits also include accidental death and dismemberment (AD&D), which pays benefits to your beneficiary if you sustain an injury or loss of life caused by an accident during your flight. Note: this add-on benefit is only available for US residents.
| COVERAGES | MAXIMUM BENEFIT |
|---|---|
| Trip Cancellation | 100% of Trip Cost |
| Trip Interruption | 125% of Trip Cost |
| Travel Delay | $2,000/$250 (Per Day) |
| Accidental Death & Dismemberment Air Flight Only | $10,000 |
Telehealth
Telehealth provides access to a national network of board-certified doctors and pediatrician in the U.S who are available 24 hours a day, seven days a week, 365 days a year to help diagnose, treat, and prescribe medication (when necessary and available) for many non-emergent medical issues via phone or online video consultations. Telehealth does not replace existing primary care physician relationship, but supplements them as a convenient, affordable alternative for non-emergency medical care.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
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.
